Corporate clients

The Bank’s offering for Corporate clients includes products to finance infrastructure development in rural areas, environmentally friendly investments and solutions supporting development of small and medium enterprises. [GRI 103-2]

Environmentally and socially responsible lending

Bank Millennium has inserted clauses in its rules and regulations for lending to Corporate Banking clients on all clients having to meet the requirements of environmental protection and respecting employment rules. This means that all the projects debt-financed by the Bank and all credit products are also subject to these requirements.


The rules and regulations contain certain restrictions regarding the financing of socially harmful activity featured on the EBRD Environmental and Social Exclusion List. The limitations commit all the Borrowers not to use the funding received from the loans for projects associated with forced labor and all forms of discrimination in employment and production and trade in various substances recognized as dangerous and harmful for the environment.

Moreover, the Borrowers are obliged to run their businesses in compliance with environmental protection regulations and other health and safety regulations and the principles of social cohabitation. In the case of the Leasing Eko Energia program, the Client signs a declaration of the estimated energy efficiency of the planned investment project.

Financing of environmental and social projects

Bank Millennium’s corporate clients may use the offering of products to finance environmental and social undertakings.

Value of socially responsible products in 2016
 Value of socially responsible products in 2016 Product portfolio value (PLN) Number of products in the portfolio
Polseff 27 197 124 280
Technological Loan 28 388 132 6
Loan for Technological Innovations 42 644 795 8
EFRWP Loans 1 365 800 3
Leasing Eko Energia 61 754 920 574

[GRI G4 FS7]  [GRI G4 FS8]

PolSEFF Polish Sustainable Energy Financing Programme +

The purpose of the project, which is managed by the European Bank for Reconstruction and Development (EBRD) is to raise energy efficiency and allow small and medium enterprises to reduce the cost of energy by having them use machinery, equipment and installations with advanced energy efficiency. The programme is addressed at the Bank’s Clients using the leasing financing through Millennium Leasing.

Leasing Eko Energia Program +

After the end of the 1st Edition of the PolSEFF Polish Sustainable Energy Financing Programme, Millennium Leasing continues to offer the Leasing Eko Energia products to its Clients with up to 5% of investment premium upon the end of the lease contract. The premium is not co-funded by any support program; the Clients receive it from Millennium Leasing. In the new edition, all the types of new machinery and equipments acceptable by Millennium Leasing may be eligible for the program. As a result of such broad availability conditions, all the types of new machinery and equipment will be eligible for LEE, except for vehicles and real property.

Loan for Technological Innovations +

The loan for technological innovations, which is provided in cooperation with Bank Gospodarstwa Krajowego (BGK) within the framework of the EU funds, offers the possibility of obtaining a non-refundable subsidy in the form of technology bonus. The bonus is used by BGK for partial repayment of the loan granted by the bank. The bonus amount may reach as much as PLN 6 million and up to 70% of eligible expenditures for micro and small businesses and up to 60% for medium-sized enterprises, based on the regional aid map.

The loan for technological innovations is dedicated to micro, small and medium-sized businesses and is designated for the implementation of a new technology of manufacturing goods, processes or services that are new or much better than previously produced in Poland. The project’s positive effect on the implementation of sustainable development principles is an important element considered in the loan application evaluation process.

De Minimis guarantees +

For almost 4 years now, under an agreement with Bank Gospodarstwa Krajowego, Bank Millennium has been actively involved in the national program of de minimis guarantees. A business from the SME sector may use de minimis guarantees to secure a PLN loan. Advantages of the program include: high amount of the guarantee (up to 60% of the loan amount and up to PLN 3.5 million) and the financing term of up to 24 months in the case of working capital loans or up to 96 months for investment loans. As a result, the program has enjoyed great interest among the Clients.

In 2016, through the use of funds under the Innovative Economy Operational Programme (a program from the 2007-2013 EU perspective), the previous de minimis guarantee program was extended by POIG guarantees also referred to as innovation guarantees. This has allowed the innovative companies from the SME sector to apply for support on the terms of the de minims guarantee, which have already tested and tried by the Bank (working capital loans and investment loans).

Cooperation with the European Fund for the Development of Polish Villages Foundation +

For 20 years now, Bank Millennium has been cooperating with the European Fund for the Development of Polish Villages (EFRWP) in the provision of two preferred credit facilities: investments to build, modernize and renovate public, township and county roads in rural areas. These loans are addressed mainly to local governments at the township and county level and commercial companies.

The European Fund for the Development of Polish Villages (EFRWP) is a non-governmental organization. Its goals include support for investments in the development of technical and social infrastructure of rural areas and development of broadly defined non-agricultural small and medium entrepreneurship in rural areas. [GRI 203-1]


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