Bank Millennium, the first Polish lender to present its results for the September-December period, showed a bottom line of 158 million zlotys ($42.7 million), compared to 149 million seen in a Reuters poll.
The result was slightly better than analysts' expectations, because the bank increased its net interest income to 354 million zlotys from 346 million a year earlier.
In the whole 2014 Bank Millennium booked a net profit of 651 million zlotys, while analysts had expected 642 million zlotys.
The main focus now is Millennium's exposure to the Swiss franc surge and its future impact on the bank's loan portfolio, 39 percent of which are Swiss-franc denominated credits.