Bank Millennium Balance Sheet Health
Financial Health criteria checks 4/6
Bank Millennium has total assets of PLN135.6B and total equity of PLN7.6B. Total deposits are PLN114.0B, and total loans are PLN74.8B earning a Net Interest Margin of 4.6%. It has insufficient allowance for bad loans, which are currently at 4.7% of total loans. Cash and short-term investments are PLN8.1B.
Key information
17.7x
Asset to equity ratio
4.6%
Net interest margin
| Total deposits | zł113.97b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 4.7% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | zł8.13b |
Recent financial health updates
No updates
Recent updates
Earnings Update: Bank Millennium S.A. (WSE:MIL) Just Reported Its Interim Results And Analysts Are Updating Their Forecasts
Jul 29
Need To Know: Analysts Are Much More Bullish On Bank Millennium S.A. (WSE:MIL) Revenues
Jun 06We Discuss Why Bank Millennium S.A.'s (WSE:MIL) CEO Compensation May Be Closely Reviewed
Mar 17If You Had Bought Bank Millennium's (WSE:MIL) Shares Three Years Ago You Would Be Down 59%
Jan 22Do Institutions Own Bank Millennium S.A. (WSE:MIL) Shares?
Nov 30Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: MIL's Assets to Equity ratio (17.7x) is moderate.
Allowance for Bad Loans: MIL has a low allowance for bad loans (72%).
Low Risk Liabilities: 89% of MIL's liabilities are made up of primarily low risk sources of funding.
Loan Level: MIL has an appropriate level of Loans to Assets ratio (55%).
Low Risk Deposits: MIL's Loans to Deposits ratio (66%) is appropriate.
Level of Bad Loans: MIL has a high level of bad loans (4.7%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/23 06:37 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Bank Millennium S.A. is covered by 19 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Kamil Kliszcz | Biuro maklerskie mBanku |
| Maciej Szczesny | BofA Global Research |
| Andrzej Powierza | Citigroup Inc |