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2016 Bank Millennium
Financial and Social Report
  • + A -
  • PL / ENG
  • + A -
  • PL / ENG
  • Management Board Report
    • Letter from the Chairman of the Management Board
    • Brief description of Bank Millennium Group
    • Highlights of results and achievements in 2016
      • Summary of consolidated Group results in 2016
      • Main awards and achievements in 2016
      • Share price performance and ratings
    • Market conditions and business prospects
      • Macroeconomic environment
      • Banking sector in Poland and position of Bank Millennium Group
      • Strategy fulfilment and business development perspectives
    • Financial situation of Bank Millennium Group
      • Information on important events which impacted Group’s activity
      • Group profit and loss account
      • Balance sheet and off – balance sheet items
      • Results of business segments
    • Presentation of business activity
      • Digital transformation
      • Quality and Customer experience
      • Retail banking
      • Corporate banking
      • Services provided by subsidiaries
    • Risk management
      • Risk management framework
      • Capital management
      • Credit risk
      • Other risks
    • Human resources management
      • Personnel policy
      • Employment and costs of personnel
      • Remuneration policy
    • Responsible business and corporate social responsibility
    • Additional information
    • Statement of Management Board
  • Consolidated Financial Statements
    • Interactive KPI
    • Financial highlights
    • Consolidated Income Statement
    • Consolidated Statement of Total Comprehensive Income
    • Consolidated Balance Sheet
    • Consolidated Statement of Changes in Equity
    • Consolidated Cash Flow Statement
    • Generalinformation about Issuer and the Issuer’s Capital Group
    • Accounting policy
      • Statement of compliance with the International Financial Reporting Standards
      • Standards and interpretations applied in 2016 and not binding as of the balance sheet day
      • Adopted accounting principles
    • Financial risk management
      • Introduction
      • Group’s risk management rules
      • Capital management
      • Credit risk
      • Market risk
      • Liquidity risk
      • Operational risk
    • Operational segments
    • Transactions with related entities
      • Introduction
      • Description of the transactions with the parent group
      • Transactions with the Managing and Supervising Persons
      • Information on compensations and benefits of the persons supervising and managing the Bank
    • Fair value
    • Contingent liabilities and assets
    • Notes to the Consolidated Financial Statements
    • Supplementary information
  • Corporate Governance
    • Statement on the principles of corporate governance applied in 2016
    • Shareholders and General Meeting of Shareholders
    • Supervisory Board
    • Management Board
    • Internal control, external audit and compliance policy
  • Capital Adequacy
    • Introduction
    • Capital adequacy
    • Risk management objectives and strategy
    • Regulatory capital buffers
    • CRR scope of application and own funds
    • Capital requirements and internal capital
      • Capital requirements by exposure classes and risk types
      • Internal capital
    • Credit risk
      • Capital requirements to credit risk
      • Counterparty credit risk
      • Credit risk adjustments (impairment and impairment charges)
      • Use of external ratings
      • Encumbered assets
    • Operational risk
    • Market risk and other risk types
    • Financial leverage
    • IRB method
      • Introduction
      • Approval to use the IRB approach
      • Internal rating systems and processes
      • Use of internal estimates
      • Credit risk mitigation
      • Rating systems control and review
    • Remuneration policy
    • Statement of the Management Board
  • Corporate Social Responsibility
    • Bank Millennium
      • Profile of the organization
        • Key facts
        • Bank Millennium Group
        • Scale of the reporting organization
        • Membership in organizations
        • Bank’s products and services
        • Business performance
      • Management system
        • Bank’s governing bodies
        • Standards applied by the Bank
        • Management approach to sustainable development
    • Bank’s stakeholders
      • Identification of stakeholders
      • Dialogue with stakeholders
    • Safety of deposited funds
      • Internal regulations
        • Internal regulations – introduction
        • Compliance policy
        • Fraud prevention
      • Risk management
    • Clients
      • Responsible sales of products and services
        • Product assessment before launch
        • Reliable marketing communication
        • Transparent information about products and services
        • Ethical standards in customer service
        • Customer education
      • Easy banking
        • Innovative solutions for customers
        • Multiple channels of contact with the bank
        • Smart financial management
      • Quality of customer service
        • Research of client needs
        • Complaints management
      • Client privacy protection
      • Accessibility of financial services for the disabled
      • Socially responsible products and services
        • Individual clients
        • Prestige and private banking clients
        • Corporate clients
    • Investors
      • Communication with investors
      • Best ESG practices
    • Business partners
    • Employees
      • Employment and working conditions
        • HR policy
        • Employment
        • Employee surveys
        • Recruitment policy
        • Counteracting discrimination
      • Working conditions
        • Compensation policy
        • Social benefits
        • Occupational health and safety
      • Employee evaluation and development
        • Employee evaluation system
        • Employee training
      • Dialogue with employees
        • Internal communication
        • Freedom of association
      • Creative workplace
    • Society
      • Social activities
        • Areas of social activity
        • Bank Millennium Foundation programs
        • Charitable activity
      • Promotion of culture
      • Support for innovation
      • Sharing economic knowledge
      • Supporting education
        • Student and graduate educational programs
        • IT competence development
        • Supporting academic education
    • Natural Environment
      • Environmental footprint
      • Resource management
      • Introduction of environmentally friendly solutions
      • Bank’s environmentally friendly products and services
      • Environmental education campaigns
    • About this report
    • GRI G4 content index


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Download center

Consolidated Annual Report of Bank Millennium Group for 2016

Information on risk, capital and remuneration policy of Bank Millennium in 2016

Selected financial data for 2016 (format xls)

2016 Bank Millennium CSR Report

Brochure with information regarding Bank Millennium activities



Koszyk z wydrukami

Interactive tools
Interactive KPI
Share price performance
Stakeholder mapping
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  • Previous Reports
    • Annual Report 2015
    • Annual Report 2014
    • Annual Report 2013
    • Annual Report 2012
    • CSR Report 2015
    • CSR Report 2014
    • CSR Report 2013
  • Millennium Bank
  • Contact
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