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Bank Millennium (MIL) investor relations material
Bank Millennium Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Net profit for the first nine months reached PLN 855 million, up 56% year-over-year; Q3 net profit was PLN 345 million, up 82% year-over-year.
Adjusted net profit (excluding FX-mortgage costs) for nine months was PLN 2,347 million, up 2% year-over-year.
ROE annualized at 15% for Q3 and 14.2% for the nine months.
Strong growth in active retail customers, now over 3.23 million, with 93% digitally active.
Core operating performance remained solid, with strong growth in corporate loans (+12% y/y), while retail loans contracted due to FX-mortgage run-off and low PLN mortgage origination.
Financial highlights
Net interest income for nine months was PLN 4,318 million, up 7% year-over-year; net commission income at PLN 575 million, down 2% year-over-year.
Total operating income grew 8% year-over-year to PLN 5,165 million.
Operating costs increased 15% year-over-year, mainly due to higher regulatory and wage costs.
Cost of risk at 32 bps for nine months, down from 53 bps a year earlier.
NPL ratio stable at 4.2%, with coverage ratio at 78%.
Outlook and guidance
NII expected to remain resilient in Q4 despite further interest rate cuts; rates forecasted to stabilize at 3.5% by mid-next year.
NIM expected to trend down by 20-30 bps but offset by loan growth; focus remains on sustaining NII.
Cost of risk likely to finish the year below 40 bps; guidance for future years is 40-50 bps.
FX mortgage-related costs expected to decrease further in 2025, with 2025 likely the last year of significant impact.
Economic growth in Poland is forecast at 3.5% for 2025, with inflation expected to average 3.8%.
FX-mortgage risk mitigation progress?
What drives non-FX loan portfolio growth?
Future capital adequacy challenges?
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Next Bank Millennium earnings date
Q4 202530 Jan, 2026
Next Bank Millennium earnings date
Q4 202530 Jan, 2026
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Frequently asked questions
Bank Millennium S.A. is a Polish commercial bank that offers a broad range of financial services to individuals, businesses, and institutions. The bank provides various products including personal and business accounts, payment cards, loans, mortgages, savings accounts, and investment products. Additionally, Bank Millennium offers services such as internet banking, mobile banking, and brokerage services. It also engages in wealth management, real estate management, and capital market advisory services. The company is headquartered in Warsaw, Poland, and its shares are listed on the Warsaw Stock Exchange.
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