Bank Millennium S.A.

Report Publication Announcement • Oct 2, 2024

Report Content Bank Millennium S.A.

October 2, 2024

Current report no. 29/2024

SUBJECT: Significant items impacting financial results in the 3rdquarter 2024

The Management Board of Bank Millennium S.A. [the Bank] informs that theestimated level of 3rd quarter 2024 provisions for legal risk connectedwith FX mortgage loans originated by the Bank amounts to PLN470 million.Additionally, PLN62 million worth of provisions [without P_amp;L impact] areestimated to be created against legal risk related to the loan bookoriginated by former Euro Bank S.A.

Additionally, with reference to the current report No 17/2024 publishedon May 7, 2024, the Bank informs that following a verification of theestimated participation of eligible mortgage borrowers in creditholidays it lowered the estimated impact of the Act amending the Act onsupport for borrowers who have taken out a mortgage loan and are in adifficult financial situation and the Act on crowdfunding for businessventures and assistance to borrowers [the Act] on the financial resultsof the Bank and its Group. As a result, in the 3rd quarter 2024, theestimated cost of credit holidays was lowered by PLN44 million to thelevel of PLN157 million, positively impacting interest income in theperiod.

Final value of legal risk provisions in the 3rd quarter 2024 andfinancial results will be disclosed in the financial statements for the3rd quarter 2024 due to be announced on October 29, 2024.Legalbasis: art. 17 section 1 MAR