Bank Millennium S.A.

October 8, 2025

Current report no. 29/2025

SUBJECT: Estimated level of provisions against legal risk related to FXmortgage loans portfolio in the 3rd quarter of 2025.

The Management Board of Bank Millennium S.A. [the Bank] informs that theestimated level of 3rd quarter 2025 provisions for legal risk connectedwith FX mortgage loans originated by the Bank amounts to PLN 394million. Additionally, PLN 91 million worth of provisions [without P andL impact] are estimated to be created against legal risk related to theloan book originated by former Euro Bank S.A.

Final value of legal risk provisions in the 3rd quarter 2025 andfinancial results will be disclosed in the financial statements for 3rdquarter 2025 due to be announced on October 24, 2025.

Legal basis: art. 17 section 1 MAR