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Bank Millennium (MIL) investor relations material
Bank Millennium Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Jul, 2025
Executive summary
Net profit for 1H25 reached PLN 511m, up 43% year-over-year, with record 2Q profit of PLN 331m and ROE at 13.8%.
Strong capital, liquidity, and asset quality maintained, with LCR at 414% and TCR at 15.6%.
Digital transformation advanced, with 93% of retail clients digitally active and new features launched.
Strategy execution on track, focusing on SME/corporate lending, customer acquisition, and digitalization.
Legal risk from FX mortgage loans remains significant, but provisions and new claims are declining.
Financial highlights
Net interest income for 1H25 was PLN 2.87bn, up 13% year-over-year; NIM at 4.18%, down 13bps year-over-year.
Net fee and commission income declined 5% year-over-year to PLN 371m.
Cost-to-income ratio (adjusted) at 34%; cost of credit risk at 21bps, supported by NPL sales.
NPL ratio improved to 4.2%, with coverage at 76%.
Loan-to-deposit ratio at 61%, indicating strong liquidity.
Outlook and guidance
NII expected to remain flattish or slightly up year-over-year, with low sensitivity to interest rate cuts.
Gradual recovery in fee and commission income anticipated, mainly single-digit growth.
Legal risk provisions for FX mortgages expected to trend downward; 2025 likely last year of significant impact barring extraordinary events.
Capital and MREL ratios to remain above minimums, with Tier 1 ratio targeted around 15%.
Bank targets >3.7m retail active clients, ROE >18%, and cost/income <37% by 2028.
What is the MRELtrea surplus?
What drove operational risk increase?
Describe the FX open position policy.
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Next Bank Millennium earnings date
Q3 202524 Oct, 2025
Next Bank Millennium earnings date
Q3 202524 Oct, 2025
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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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