Bank Millennium is Poland's nationwide universal bank, offering its services to all market segments via a network of branches, individual advisors and electronic banking. Its product and service offer includes personal accounts, debit and credit cards, overdraft limits, cash and mortgage loans, saving accounts, term deposits, investment funds, brokerage services, structured products and insurance products. Bank Millennium has made its name
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summary | Unit |
2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
Net Interest Income | PLN mil |
Total Revenues | PLN mil |
Operating Profit | PLN mil |
Net Profit | PLN mil |
1,142 | 1,161 | 1,271 | 1,465 | 1,419 | ||||||||||
1,889 | 1,953 | 2,006 | 2,216 | 2,180 | ||||||||||
765 | 832 | 917 | 1,104 | 930 | ||||||||||
466 | 472 | 536 | 651 | 547 |
Interbank Loans | PLN mil |
Customer Loans | PLN mil |
Debt Securities | PLN mil |
Total Assets | PLN mil |
Shareholders' Equity | PLN mil |
Interbank Borrowing | PLN mil |
Customer Deposits | PLN mil |
Issued Debt Securities | PLN mil |
2,660 | 1,392 | 1,520 | 2,385 | 2,349 | ||||||||||
41,332 | 40,232 | 41,766 | 44,143 | 46,369 | ||||||||||
3,994 | 7,691 | 9,307 | 10,689 | 14,714 | ||||||||||
50,838 | 52,743 | 57,017 | 60,741 | 66,235 | ||||||||||
4,586 | 4,824 | 5,363 | 5,765 | 6,443 | ||||||||||
1,832 | 2,492 | 2,349 | 2,037 | 1,444 | ||||||||||
37,428 | 41,434 | 45,305 | 47,591 | 52,810 | ||||||||||
6,213 | 3,271 | 2,944 | 4,459 | 4,251 |
10.8% | 10.0% | 10.5% | 11.7% | 8.95% | ||||||||||
0.954% | 0.912% | 0.976% | 1.11% | 0.861% | ||||||||||
2.30% | 2.16% | 1.99% | 1.89% | 1.97% | ||||||||||
59.5% | 57.4% | 54.3% | 50.2% | 57.3% | ||||||||||
... | 13.2% | 14.5% | 14.5% | 15.2% | 16.7% | |||||||||
2.33% | 2.24% | 2.32% | 2.49% | 2.23% | ||||||||||
60.4% | 59.5% | 63.3% | 66.1% | 65.1% | ||||||||||
29.7% | 28.0% | 29.3% | 27.6% | 27.4% | ||||||||||
48.1% | 49.8% | 50.2% | 49.2% | 43.8% | ||||||||||
9.02% | 9.15% | 9.41% | 9.49% | 9.73% | ||||||||||
110% | 97.1% | 92.2% | 92.8% | 87.8% | ||||||||||
81.3% | 76.3% | 73.3% | 72.7% | 70.0% | ||||||||||
4.94% | 5.09% | 4.42% | 4.23% | 4.61% | ||||||||||
57.8% | 58.6% | 69.0% | 70.6% | 66.3% |
... | 1,339 | 1,733 | 2,898 | 2,844 | 1,729 | |||||||||
1,213 | 1,213 | 1,213 | 1,213 | 1,213 | ||||||||||
... | 3.80 | 4.42 | 7.20 | 8.30 | 5.56 | |||||||||
0.385 | 0.389 | 0.442 | 0.537 | 0.451 | ||||||||||
3.78 | 3.98 | 4.42 | 4.75 | 5.31 | ||||||||||
0.000 | 0.000 | 0.220 | 0.000 | 0.000 | ||||||||||
... | 9.88 | 11.4 | 16.3 | 15.5 | 12.3 | |||||||||
... | 1.01 | 1.11 | 1.63 | 1.75 | 1.05 | |||||||||
... | 0.000% | 0.000% | 3.06% | 0.000% | 0.000% | |||||||||
... | 43.1% | 1.23% | 13.5% | 21.5% | -16.0% | |||||||||
... | 12.1% | 5.19% | 11.2% | 7.50% | 11.8% |
income statement | Unit |
2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
Interest Income | PLN mil |
Interest Cost | PLN mil |
Net Interest Income | PLN mil |
Net Fee Income | PLN mil |
Other Income | PLN mil |
Total Revenues | PLN mil |
Staff Cost | PLN mil |
Depreciation | PLN mil |
Other Cost | PLN mil |
Operating Cost | PLN mil |
Operating Profit | PLN mil |
Provisions | PLN mil |
Extra and Other Cost | PLN mil |
Pre-Tax Profit | PLN mil |
Tax | PLN mil |
Minorities | PLN mil |
Net Profit | PLN mil |
Dividends | PLN mil |
2,720 | 3,120 | 2,723 | 2,594 | 2,367 | ||||||||||
1,578 | 1,959 | 1,452 | 1,129 | 948 | ||||||||||
1,142 | 1,161 | 1,271 | 1,465 | 1,419 | ||||||||||
562 | 546 | 589 | 612 | 596 | ||||||||||
186 | 245 | 147 | 139 | 165 | ||||||||||
1,889 | 1,953 | 2,006 | 2,216 | 2,180 | ||||||||||
540 | 558 | 547 | 547 | 547 | ||||||||||
64.8 | 55.4 | 54.3 | 55.3 | 50.4 | ||||||||||
519 | 507 | 488 | 509 | 652 | ||||||||||
1,124 | 1,121 | 1,090 | 1,111 | 1,250 | ||||||||||
765 | 832 | 917 | 1,104 | 930 | ||||||||||
174 | 238 | 234 | 265 | 241 | ||||||||||
0.232 | -2.20 | 2.14 | 0.246 | 1.35 | ||||||||||
591 | 596 | 681 | 838 | 688 | ||||||||||
125 | 124 | 145 | 188 | 141 | ||||||||||
0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||||||||
466 | 472 | 536 | 651 | 547 | ||||||||||
0.000 | 0.000 | 267 | 0.000 | 0.000 |
Net Interest Income Growth | % |
Net Fee Income Growth | % |
Total Revenue Growth | % |
Operating Cost Growth | % |
Operating Profit Growth | % |
Pre-Tax Profit Growth | % |
Net Profit Growth | % |
... | 23.1% | 1.69% | 9.44% | 15.3% | -3.16% | |||||||||
... | -0.561% | -2.80% | 7.82% | 3.90% | -2.53% | |||||||||
... | 10.1% | 3.36% | 2.75% | 10.4% | -1.62% | |||||||||
... | 3.93% | -0.305% | -2.77% | 2.00% | 12.4% | |||||||||
... | 20.5% | 8.75% | 10.2% | 20.4% | -15.8% | |||||||||
... | 44.9% | 0.829% | 14.2% | 23.2% | -18.0% | |||||||||
... | 43.1% | 1.23% | 13.5% | 21.5% | -16.0% |
3.30% | 3.32% | 3.62% | 3.84% | 3.90% | ||||||||||
3.00% | 3.05% | 3.53% | 4.10% | 4.88% | ||||||||||
... | 3.38% | 3.30% | 3.28% | 3.47% | 3.37% | |||||||||
... | ... | 4.70% | 4.78% | 4.80% | 4.84% | 5.11% | ||||||||
... | ... | 4.05% | 4.31% | 4.25% | 4.48% | 4.80% | ||||||||
... | ... | 6.96% | 6.92% | 7.34% | 6.62% | 6.03% | ||||||||
... | 3.22% | 2.91% | 2.88% | 2.82% | 2.84% |
balance sheet | Unit |
2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
Cash | PLN mil |
Interbank Loans | PLN mil |
Customer Loans | PLN mil |
Retail Loans | PLN mil |
Mortgage Loans | PLN mil |
Consumer Loans | PLN mil |
Corporate Loans | PLN mil |
Debt Securities | PLN mil |
Fixed Assets | PLN mil |
Total Assets | PLN mil |
Shareholders' Equity | PLN mil |
Of Which Minority Interest | PLN mil |
Liabilities | PLN mil |
Interbank Borrowing | PLN mil |
Customer Deposits | PLN mil |
Retail Deposits | PLN mil |
Corporate Deposits | PLN mil |
Issued Debt Securities | PLN mil |
Other Liabilities | PLN mil |
2,018 | 2,466 | 3,412 | 2,612 | 1,946 | ||||||||||
2,660 | 1,392 | 1,520 | 2,385 | 2,349 | ||||||||||
41,332 | 40,232 | 41,766 | 44,143 | 46,369 | ||||||||||
31,068 | 30,226 | 30,512 | 31,435 | 32,906 | ||||||||||
28,283 | 27,235 | 26,803 | 26,907 | 27,683 | ||||||||||
2,785 | 2,991 | 3,709 | 4,529 | 5,223 | ||||||||||
10,265 | 10,006 | 11,254 | 12,707 | 13,463 | ||||||||||
3,994 | 7,691 | 9,307 | 10,689 | 14,714 | ||||||||||
245 | 228 | 204 | 213 | 218 | ||||||||||
50,838 | 52,743 | 57,017 | 60,741 | 66,235 | ||||||||||
4,586 | 4,824 | 5,363 | 5,765 | 6,443 | ||||||||||
0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||||||||
46,252 | 47,918 | 51,654 | 54,975 | 59,792 | ||||||||||
1,832 | 2,492 | 2,349 | 2,037 | 1,444 | ||||||||||
37,428 | 41,434 | 45,305 | 47,591 | 52,810 | ||||||||||
23,013 | 26,018 | 26,434 | 29,780 | 35,616 | ||||||||||
14,415 | 15,416 | 18,872 | 17,811 | 17,194 | ||||||||||
6,213 | 3,271 | 2,944 | 4,459 | 4,251 | ||||||||||
779 | 721 | 1,056 | 888 | 1,287 |
Non-Performing Loans | PLN mil |
Gross Loans | PLN mil |
Total Provisions | PLN mil |
2,104 | 2,111 | 1,903 | 1,923 | 2,204 | ||||||||||
42,550 | 41,470 | 43,078 | 45,501 | 47,830 | ||||||||||
1,217 | 1,238 | 1,312 | 1,358 | 1,461 |
... | 12.5% | -2.66% | 3.81% | 5.69% | 5.04% | |||||||||
... | 9.29% | -2.71% | 0.944% | 3.03% | 4.68% | |||||||||
... | 13.7% | -3.70% | -1.59% | 0.387% | 2.89% | |||||||||
... | -21.5% | 7.40% | 24.0% | 22.1% | 15.3% | |||||||||
... | 8.07% | -2.52% | 12.5% | 12.9% | 5.95% | |||||||||
... | 8.20% | 3.75% | 8.10% | 6.53% | 9.05% | |||||||||
... | 12.1% | 5.19% | 11.2% | 7.50% | 11.8% | |||||||||
... | 5.74% | 10.7% | 9.34% | 5.05% | 11.0% | |||||||||
... | 9.96% | 13.1% | 1.60% | 12.7% | 19.6% | |||||||||
... | 16.0% | 6.95% | 22.4% | -5.62% | -3.47% |
4.50% | 4.30% | 4.30% | 4.25% | 4.20% | ||||||||||
3.88% | 3.68% | 4.05% | 4.22% | 4.11% | ||||||||||
1.30% | 1.41% | 1.69% | 1.94% | 2.11% | ||||||||||
5.84% | 5.67% | 5.50% | 5.34% | 5.24% | ||||||||||
8.87% | 8.46% | 7.98% | 7.56% | 7.26% | ||||||||||
3.93% | 3.91% | 4.06% | 3.96% | 4.14% | ||||||||||
4.14% | 4.46% | 4.63% | 4.55% | 4.74% | ||||||||||
4.82% | 5.04% | 4.82% | 4.91% | 5.35% | ||||||||||
7.00% | 8.06% | 9.00% | 7.76% | 6.79% |
ratios | Unit |
2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
10.8% | 10.0% | 10.5% | 11.7% | 8.95% | ||||||||||
0.954% | 0.912% | 0.976% | 1.11% | 0.861% | ||||||||||
2.30% | 2.16% | 1.99% | 1.89% | 1.97% | ||||||||||
59.5% | 57.4% | 54.3% | 50.2% | 57.3% | ||||||||||
... | 13.2% | 14.5% | 14.5% | 15.2% | 16.7% | |||||||||
... | 11.4% | 11.6% | 13.4% | 14.5% | 16.4% | |||||||||
2.33% | 2.24% | 2.32% | 2.49% | 2.23% | ||||||||||
... | 2.02% | 1.86% | 2.04% | 2.29% | 2.08% | |||||||||
5.56% | 6.03% | 4.96% | 4.41% | 3.73% | ||||||||||
... | 3.54% | 4.16% | 2.92% | 2.12% | 1.65% | |||||||||
0.000% | 0.000% | 49.8% | 0.000% | 0.000% | ||||||||||
60.4% | 59.5% | 63.3% | 66.1% | 65.1% | ||||||||||
29.7% | 28.0% | 29.3% | 27.6% | 27.4% | ||||||||||
9.82% | 12.6% | 7.32% | 6.27% | 7.56% | ||||||||||
... | 2,414 | 2,382 | 2,453 | 2,277 | 2,072 | |||||||||
... | 7,158 | 7,753 | 7,751 | 7,463 | 7,711 | |||||||||
48.1% | 49.8% | 50.2% | 49.2% | 43.8% | ||||||||||
9.02% | 9.15% | 9.41% | 9.49% | 9.73% | ||||||||||
110% | 97.1% | 92.2% | 92.8% | 87.8% | ||||||||||
81.3% | 76.3% | 73.3% | 72.7% | 70.0% | ||||||||||
4.94% | 5.09% | 4.42% | 4.23% | 4.61% | ||||||||||
57.8% | 58.6% | 69.0% | 70.6% | 66.3% | ||||||||||
2.94% | 3.08% | 3.14% | 3.08% | 3.15% | ||||||||||
0.445% | 0.584% | 0.571% | 0.618% | 0.533% |
other data | Unit |
2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
Branches | |
Employees | |
ATMs | |
Clients | mil |
Payment Cards | '000 |
Debit Cards | '000 |
Credit Cards | '000 |
... | 447 | 447 | 439 | 423 | 411 | |||||||||
... | 6,289 | 6,001 | 5,881 | 6,108 | 5,911 | |||||||||
... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |
... | ... | ... | ... | ... | ... | ... | ... | 1.00 | 1.10 | 1.20 | 1.30 | 1.41 | ||
... | ... | 1,487 | 1,590 | 1,650 | 1,732 | 1,750 | ||||||||
... | ... | 1,003 | 1,144 | 1,200 | 1,332 | 1,400 | ||||||||
... | ... | 484 | 446 | 450 | 400 | 350 |
This Annual Statistical Dossier offers a comparison of 18 Polish banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.
You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking
Read more »This Annual Statistical Dossier offers a comparison of 18 Polish banks from 1997 to 2017 on an annual basis. The report can be downloaded as an Excel file.
You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.
The file contains data of following banks:
If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.
Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.
If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.
This Annual statistical dossier offers a summary of Bank Millennium's performance between 2003 and 2017 on an annual basis. The report can be downloaded as an excel file.
You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital
Read more »This Annual statistical dossier offers a summary of Bank Millennium's performance between 2003 and 2017 on an annual basis. The report can be downloaded as an excel file.
You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.
In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Millennium's market position in mortgage or consumer lending.
If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.
If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.
Bank Millennium is Poland's nationwide universal bank, offering its services to all market segments via a network of branches, individual advisors and electronic banking. Its product and service offer includes personal accounts, debit and credit cards, overdraft limits, cash and mortgage loans, saving accounts, term deposits, investment funds, brokerage services,
Read more »Bank Millennium is Poland's nationwide universal bank, offering its services to all market segments via a network of branches, individual advisors and electronic banking. Its product and service offer includes personal accounts, debit and credit cards, overdraft limits, cash and mortgage loans, saving accounts, term deposits, investment funds, brokerage services, structured products and insurance products. Bank Millennium has made its name through providing of FX-denominated mortgage loans. In 2008, the bank became the second largest mortgage lender in the country with over 11% market share. Banco Comercial Portugues is the strategic shareholder with a 65.5% stake.
This report offers a summary of the company's performance in 2003-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business. In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector
Bank Millennium is Poland's nationwide universal bank, offering its services to all market segments via a network of branches, individual advisors and electronic banking. Its product and service offer includes personal accounts, debit and credit cards, overdraft limits, cash and mortgage loans, saving accounts, term deposits, investment funds, brokerage services,
Read more »Bank Millennium is Poland's nationwide universal bank, offering its services to all market segments via a network of branches, individual advisors and electronic banking. Its product and service offer includes personal accounts, debit and credit cards, overdraft limits, cash and mortgage loans, saving accounts, term deposits, investment funds, brokerage services, structured products and insurance products. Bank Millennium has made its name through providing of FX-denominated mortgage loans. In 2008, the bank became the second largest mortgage lender in the country with over 11% market share. Banco Comercial Portugues is the strategic shareholder with a 65.5% stake.
This excel file offers a summary of the company's performance on the annual basis in between 2003-2012. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.
In addition, the file provides a detailed overview of the bank's market position in the comparison with the overall banking sector
Bank Millennium's mortgage loans reached PLN 25,753 mil in 2017, down 6.33% compared to the previous year.
Polish banking sector provided mortgage loans of PLN 391 bil in 2017, down 1.49% when compared to the last year.
Read more »Bank Millennium's mortgage loans reached PLN 25,753 mil in 2017, down 6.33% compared to the previous year.
Polish banking sector provided mortgage loans of PLN 391 bil in 2017, down 1.49% when compared to the last year.
Bank Millennium accounted for 6.53% of all mortgage loans issued in Poland at the end of 2017. Historically, the bank’s market share in mortgage loans reached an all time high of 11.5% in 2008 and an all time low of 4.22% in 2003.
You can see all the company’s data at Bank Millennium Profile, or you can download a report on the firm in the report section.
Based on a comparison of 15 banks in Poland, PKO BP produced the highest net profit in 2016, followed by Pekao SA and Bank Zachodni WBK.
PKO BP made a net profit of 2,874, up 10.1% compared to the previous year. Historically,
Read more »Based on a comparison of 15 banks in Poland, PKO BP produced the highest net profit in 2016, followed by Pekao SA and Bank Zachodni WBK.
PKO BP made a net profit of 2,874, up 10.1% compared to the previous year. Historically, the bank’s net profit reached an all time high of 3,807 in 2011 and an all time low of 887 in 2001. The average profit in the last five years amounted to 3,139.
The bank generated an average return on equity of 11.9% for its shareholders in the last five years with a maximum of 15.8% and a minimum of 9.02%.
Comparing PKO BP with its closest peers, Pekao SA generated a net profit of 2,279 with a ROE of 9.84% in 2016, Bank Zachodni WBK netted 2,167 (ROE of 10.4%) and ING Bank Slaski announced a net profit of 1,253 giving a ROE of 11.8%.
The net profit of the Poland’s banking sector amounted to 73,525 in 2016, up 10.8% compared to the previous year. Heading up the rankings, PKO BP accounted for 3.91% of the sector’s net profit in 2016. The top 3 companies held a 9.96% share while the five largest firms some 13.3% in 2016.
You can see all the banks net profit data on the Net Profit indicator page or you can download a report on the Polish banks in the report section.
Based on a comparison of 14 banks in Poland in 2017, PKO BP had the most branches, followed by Alior Bank and Pekao SA.
PKO BP operated a network of 1,192 branches at the end of 2017. That's compared to 1,233
Read more »Based on a comparison of 14 banks in Poland in 2017, PKO BP had the most branches, followed by Alior Bank and Pekao SA.
PKO BP operated a network of 1,192 branches at the end of 2017. That's compared to 1,233 branches some 10 years ago.
Comparing PKO BP with its closest peers, Alior Bank operated a network of 905 branches in 2017, Pekao SA had 851 branches and Bank Zachodni WBK had a network of 735 branches in 2017.
Polish banks operated a network of 1,945 branches in 2017. Total of 41,880 people worked for the banks in 2017.
You can see all the banks branches data on the Branches indicator page or you can download a report on the Polish banks in the report section.
Based on a comparison of 14 banks in Poland in 2017, PKO BP had the most employees, followed by Pekao SA and Bank Zachodni WBK.
PKO BP employed 28,443 persons in 2017, down 3.39% when compared to the previous year. Historically,
Read more »Based on a comparison of 14 banks in Poland in 2017, PKO BP had the most employees, followed by Pekao SA and Bank Zachodni WBK.
PKO BP employed 28,443 persons in 2017, down 3.39% when compared to the previous year. Historically, the bank's workforce hit an all time high of 38,341 persons in 2001 and an all time low of 27,387 in 2013.
Average cost reached CZK 8,713 per month per month per employee, 8.55% more than a year ago. This figure was CZK 6,221 per month some 10 years ago.
Comparing PKO BP with its closest peers, Pekao SA had 17,339 employees with average cost of CZK 9,373 per month per person, Bank Zachodni WBK operated with 14,383 people (and CZK 9,054 per month per employee) and Alior Bank had 8,110 employees in 2017 with cost CZK 8,110 per month per head.
Polish banking sector employed 41,880 people in 2017.
You can see all the banks employees data on the Employees indicator page or you can download a report on the Polish banks in the report section.