GICS Sector : Financial Services
Bank Millennium S.A. provides various banking products and services in Poland.It operates through Retail Customer; Corporate Customer; FX Mortgage Loans; and Treasury, Assets and Liabilities Management and Other segments.The company offers current accounts; saving products; renewable, cash loans, loans secured with assets accumulated in the Bank, and loans for purchase of securities, as well as mortgage loans; brokerage services; investment funds and solutions; payment cards; letter of credit; bank guarantee and document collection services; factoring; trade finance; foreign currency exchange services; custody services; pension schemes; overdraft; life and non-life insurance; and custodial services.
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Strong brand recognition, extensive branch network, and digitalization efforts drove Retail Banking growth at Bank Millennium S.A. The 7.43% growth rate can be attributed to increased mortgage lending, higher transactional activity, and a growing customer base. Additionally, the bank's focus on innovative digital solutions, such as mobile banking and online lending platforms, has enhanced customer experience and contributed to the segment's expansion.
The 6.5% growth in Corporate Banking at Bank Millennium S.A. is driven by increasing demand for cash management and trade finance services, expansion into new industries, and strategic partnerships. Additionally, investments in digitalization and process automation have improved operational efficiency, enabling the bank to better serve its corporate clients and capitalize on emerging opportunities.
Treasury: Effective ALM strategies, optimized liquidity, and risk management. Assets: Diversified loan portfolio, increased mortgage lending, and robust credit quality. Liabilities: Strong deposit growth, improved CASA ratio, and stable funding costs. Other: Digital transformation, cost discipline, and strategic partnerships driving operational efficiency and revenue growth, contributing to 7.38% growth.
The 5.83% growth of FX Mortgage from Bank Millennium S.A. is driven by increasing demand for foreign currency-denominated mortgages, particularly among Polish expats and foreign investors. Additionally, competitive interest rates, government support for homeownership, and a growing economy contribute to the segment's expansion.
Bank Millennium S.A. offers a range of personal accounts for individuals, including current accounts, savings accounts, and student accounts.
The bank offers a variety of credit cards with different benefits, such as cashback, travel insurance, and purchase protection.
Bank Millennium S.A. provides mortgage loans for individuals and families to purchase or renovate a home.
The bank offers business accounts for small and medium-sized enterprises, including current accounts, savings accounts, and business loans.
Bank Millennium S.A. offers a range of investment products, including mutual funds, bonds, and structured products.
The bank provides a range of insurance products, including life insurance, health insurance, and property insurance.
Bank Millennium S.A. offers online banking services, allowing customers to manage their accounts, make transactions, and access financial information online.
The bank provides mobile banking services, enabling customers to manage their accounts, make transactions, and access financial information on-the-go.
The threat of substitutes for Bank Millennium S.A. is medium due to the presence of alternative banking services and financial institutions in Poland.
The bargaining power of customers is low due to the lack of concentration of buyers in the Polish banking industry.
The bargaining power of suppliers is low due to the presence of multiple suppliers of technology and services in the banking industry.
The threat of new entrants is high due to the growing trend of digital banking and fintech companies entering the Polish market.
The intensity of rivalry is high due to the presence of multiple banks and financial institutions in Poland, leading to intense competition for market share.
| Value | |
|---|---|
| Debt Weight | 45.70% |
| Debt Cost | 10.46% |
| Equity Weight | 54.30% |
| Equity Cost | 10.46% |
| WACC | 10.46% |
| Leverage | 84.18% |
Value: 4.7
Growth: 7.1
Quality: 7.3
Yield: 7.5
Momentum: 8.5
Volatility: 8.0
1-Year Total Return ->
Value: 5.2
Growth: 5.2
Quality: 5.0
Yield: 6.9
Momentum: 9.0
Volatility: 10.0
1-Year Total Return ->
Value: 4.4
Growth: 1.7
Quality: 6.9
Yield: 6.2
Momentum: 9.0
Volatility: 7.3
1-Year Total Return ->
Value: 7.3
Growth: 5.2
Quality: 5.7
Yield: 3.1
Momentum: 9.0
Volatility: 5.0
1-Year Total Return ->
Value: 5.2
Growth: 8.4
Quality: 5.6
Yield: 0.0
Momentum: 9.5
Volatility: 2.7
1-Year Total Return ->
Value: 2.9
Growth: 5.8
Quality: 5.0
Yield: 5.0
Momentum: 2.5
Volatility: 10.0
1-Year Total Return ->