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2019 Financial
and Social Report

Business performance

[GRI 103-1, GRI 103-2, GRI 103-3] The Bank Millennium Group achieves its economic goals striving to balance the needs of the key Stakeholders, in accordance with its growth strategy while taking into account the principles declared in the Code of Ethics.

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XLS
[GRI 201-1] Selected business performance (m PLN) Group Bank
2019 2018 2019 2018
Total income 3,471.5 2,727.6 3,084.1 2,568.3
Total costs (1,726.1) (1,268.0) (1,520.9) (1,205.3)
including staff-related (836.1) (638.1) (715.3) (592.2)
Cost/income ratio 49.7% 46.5% 49.3% 46.9%
Provisions for risk (439.0) (236.6) (235.1) (205.6)
Bank levy (248.0) (198.5) (236.9) (198.5)
Corporate income tax (CIT) (274.6) (264.0) (267.3) (236.6)
Loans and borrowings to clients (net) 69,754.9 52,711.7 68,828.8 51,786.8
Client deposits 81,454.8 66,243.8 81,637.5 66,399.8
Share in the loan market 5.7% 4.6% The stated data pertain only to the Group The stated data pertain only to the Group
Share in the deposits market 6.0% 5.3% The stated data pertain only to the Group The stated data pertain only to the Group
Ratio: credits/deposits 86% 79.6% The stated data pertain only to the Group The stated data pertain only to the Group
Non-performing loan ratio 4.56% 4.52% The stated data pertain only to the Group The stated data pertain only to the Group
Loan loss coverage ratio 62.4% 74.4% The stated data pertain only to the Group The stated data pertain only to the Group
CET1 ratio 16.9% 19.8% 16.8% 19.5%
Total capital ratio (TCR) 20.1% 21.7% 20.0% 21.5%
Equity 8,941.5 8,384.4 8,690.1 8,136.0
Net profit 560.7 760.7 600.7 722.3
ROE 6.4% 9.6% The stated data pertain only to the Group The stated data pertain only to the Group
Distribution of profit
Dividend 0* 0* 0 0
Capital 100% 100% 100% 100%
* Bank’s Management Board’s proposal prior to the General Meeting
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