Bank Millennium Sa · GPW:MIL
Bank Millennium Sa — ESG Presentation (February 2026)
36 slides from Bank Millennium Sa's sustainability presentation, February 2026
Slide 1: Bank Millennium Group's Transition Plan
Bank Millennium Group’s Transition Plan February 2026
Slide 2: Table of contents
Table of contents 01 Introduction 02 Transition as a process 03 Our commitments under the Transition Plan Financed emissions Residential real estate Electricity generation Commercial real estate Transport Own emissions Engagement strategy 04 ESG risk management 05 Transition Plan management 2
Slide 3: Building business potential and boosting our resilience
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Transition Plan management Building business potential and boosting our resilience Dear Ladies and Gentlemen, Through our actions, we are building the Group’s transition-related business p
Slide 4: Priority segments
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Transition Plan management Summary Quantitative commitment Qualitative actions Financed emissions • The strategic goal of the Bank Millennium Group is to achieve net zero Residential real
Slide 5: Transition as a process
Home outline Transition as a process
Slide 6: The strategy sets the direction of actions
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Transition Plan management The strategy sets the direction of actions Our approach • We are dynamically developing our financing of sustainable projects and activities. Financing the trans
Slide 7: We have solid foundations, that is, a mature management model
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Transition Plan management We have solid foundations, that is, a mature management model... The management model enables us to efficiently implement activities in the ESG area The key elem
Slide 8: Organizational culture that supports the achievement of the goals
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Transition Plan management … and organizational culture that supports the achievement of the goals The needs and opinions of our stakeholders are key to us Our actions are guided by clearl
Slide 9: Our commitments under the Transition Plan
Home outline Our commitments under the Transition Plan Financed emissions → p. 10 Own emissions → p. 20 Engagement strategy → p. 24
Slide 10: Financed emissions
Home outline Financed emissions 10
Slide 11: The Transition Plan covers the activities most relevant to the transition
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Managing the Transition Plan Financed emissions Own emissions Engagement strategy The Transition Plan covers the activities most relevant from the point of view of the transition We have i
Slide 12: Residential real estate: regulatory and market context and challenges
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Managing the Transition Plan Financed emissions Own emissions Engagement strategy Regulatory and market context and challenges in the residential real estate Residential real segment estat
Slide 13: Our commitments and actions in the residential real estate segment
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Managing the Transition Plan Financed emissions Own emissions Engagement strategy Our commitments and actions in the residential real estate segment Residential real Projected emission int
Slide 14: Electricity generation sector: regulatory context and challenges
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Managing the Transition Plan Financed emissions Own emissions Engagement strategy z Regulatory and market context and challenges for the electricity generation sector Challenges Regulatory
Slide 15: Our commitments and actions in the electricity generation sector
Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Managing the Transition Plan Financed emissions Own emissions Engagement strategy z Our commitments and actions in the electricity generation sector Portfolio emission intensity and emission intensity
Slide 16: Commercial real estate: regulatory context and challenges
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Managing the Transition Plan Financed emissions Own emissions Engagement strategy z Regulatory and market context and challenges in the commercial real estate segment Challenges Regulatory
Slide 17: Our activities in the commercial real estate segment
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Managing the Transition Plan Financed emissions Own emissions Engagement strategy z Our activities in the commercial real estate segment In the Transition Plan, we include the commercial r
Slide 18: Transport: regulatory context and challenges
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Managing the Transition Plan Financed emissions Own emissions Engagement strategy z Regulatory and market context and challenges in the transport sector Challenges Regulatory and market co
Slide 19: Our actions in the transport segment
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Managing the Transition Plan Financed emissions Own emissions Engagement strategy z Our actions in the transport segment Transport* is a segment that is highly exposed to climate risk and
Slide 20: Own Emissions
Home outline Own Emissions 20
Slide 21: Our achievements and ambitions in reducing our own emissions
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Managing the Transition Plan Financed emissions Own emissions Engagement strategy Our achievements and ambitions in reducing our own emissions As part of the 2028 Strategy – Value and Grow
Slide 22: We will continue our efforts to further reduce emissions from own operations
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Managing the Transition Plan Financed emissions Own emissions Engagement strategy We will continue our efforts to further reduce emissions from our own operations Energy efficiency Electri
Slide 23: Challenges related to emissions from own operations
Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Managing the Transition Plan Financed emissions Own emissions Engagement strategy Challenges related to emissions from own operations Own emissions The reduction of own emissions depends on a range of
Slide 24: Engagement strategy
Home outline Engagement strategy 24
Slide 25: We build upon a regular dialogue with our clients
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Managing the Transition Plan Financed emissions Own emissions Engagement strategy We build upon a regular dialogue We will continue and deepen the open dialogue as part of the engagement s
Slide 26: Engagement strategy implementation
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Managing the Transition Plan Financed emissions Own emissions Engagement strategy Engagement strategy implementation High-quality data is essential The starting point for the engagement st
Slide 27: ESG risk management
Home outline ESG risk management
Slide 28: We are consistently developing ESG risk management
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Transition Plan management We are consistently developing ESG risk management Our strategic initiatives and activities are aimed at developing methods for assessing and quantifying ESG ris
Slide 29: We have created an effective ESG risk management structure
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Transition Plan management We have created an effective ESG risk management structure Well-established ESG management Within this structure, the roles and responsibilities have been clearl
Slide 30: We systematically improve greenhouse gas emission calculation
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Transition Plan management We systematically improve greenhouse gas emission calculation Calculating greenhouse gas emissions is an important part of the transition planning process – it i
Slide 31: Climate stress tests and resilience in credit risk
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Transition Plan management We have conducted climate stress tests and positively assessed our resilience in the area of credit risk Climate and environmental risks are considered as factor
Slide 32: Transition Plan management
Home outline Transition Plan management
Slide 33: We have considered multiple perspectives in the Transition Plan
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Transition Plan management We have considered multiple perspectives in the Transition Plan Our stakeholders' perspective Internal perspective Mitigating climate change, including preparati
Slide 34: We defined the roles and responsibilities for Plan implementation
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Transition Plan management We defined the roles and responsibilities for Plan implementation We are building a coherent and transparent model for managing the Transition Plan, based on cle
Slide 35: We have scheduled regular reviews and updates
Home outline Introduction Transition as a process Our commitments under the Transition Plan ESG risk management Transition Plan management We have scheduled regular reviews and updates Readiness for change and continuous improvement in response to a changing environment Our response to the risks and
Slide 36: Thank you!
Thank you! This Transformation Plan (hereinafter: the "Document") has been prepared by Bank Millennium S.A. (hereinafter: the "Bank") for information purposes, presents the strategic directions, objectives and assumptions regarding the planned transformation activities of the Bank Group. The informa