2025 Preliminary results

«#e PATRIA BANK

Preliminary financiai resuits

For the period ended: December 31, 2025

PATRIA BANK S.A.

Registered office: Globalworth Plaza, 42 Pipera Road, 8thand 10thfloors, Bucharest 020309, Romania

Fiscal code: RO 11447021 | J2016009252405

Share capital: 327,881,437.60 RON

+40 800 410 310 capital@patriabank.ro https://www.patriabank.ro

Table of contents

Q4'25 Key performance indicators 4

Q4'25 Key financial indicators 5

Q4'25 Macroeconomic context 6

2025 Summary 8

Q4'25 Financial results 10

Commercial activity 15

About Patria Bank 22

Activity of subsidiaries 25

Activity on the Bucharest Stock Exchange 28

Annexes 31

This Report meets the publication requirements set forth by Law no. 24/2017 on issuers of financial instruments and market operations, the Regulation of the Financial Supervisory Authority (ASF) no. 5/2018 on issuers of financial instruments and market operations, and the Bucharest Stock Exchange Code.

The financial position statement and the preliminary results are prepared in accordance with recognition and measurement principles in line with IFRS EU. The consolidated and standalone preliminary financial statements as of December 31, 2025 are unaudited.

The financial figures presented in the descriptive section of the report, expressed in RON thousand, have been rounded to the nearest whole number. This may result in minor rounding differences.

Preliminary financial results 31.12.2025 3

PATRIA BANK

‌NEW LOAN SALES

in RON mn

PERFORMING LOANS

rAvniA

"W' CREDIT

Key performance

indicators

O4'25

Increase in the number of Patria Bank online users in 2025 vs. 2024

DIGITALIZATION INDICATOR

COMMERCIAL FINANCING

Date individuale

Key financial indicators

‌'OF O4'25

NET BANKING INCOME

in RON mn

•Qf PATRIA BANK

CONST/INCOME RATIO

*Excluding the turnover tax introduced in 2024

72%

73%*

INCOME BREAKDOWN

in RON mn, for 2025

NET PROFIT

in RON mn

50.2

O Net interest income 168.3

1. Net fees and commissions income 39.1

   O Financial and other income .1

   23.1

   
   
   

   2023

   32.7

   
   
   

   2024

   2025

   RETURN ON ASSETS (ROA)

   1.0%

   RETURN ON EQUITY (ROE)

   10.9%

   0.8%

   0.6%

   7.9%

   
   
   

   31.12.2023

   31.12.2024

   31.12.2025

   31.12.2023

   31.12.2024

   31.12.2025

   
   
   
   
   ‌Q4'25 Macroeconomic context

   Romania's economy grew by 0.6% in 2025, but ended the year in technical recession, after GDP was 1.9% lower in Q4 compared to

   Q3 2025, the second consecutive quarter of

   GDP Growth 2020-2025

   2020 2021 2022 2023 2024 2025

   5.7 5.3

   decline. Compared to Q4 2024, GDP recorded a decrease of 1.6%.

   4.1

   2.6

   2.1 0.4 0.8 0.4 0.6 1

   The annual inflation rate stood at 9.7% at the end of 2025. This very high level was driven by major adverse shocks (rising energy prices, increased VAT and excise rates), as

   -3.7

   -5.7

   GDP RO GDP UE
   
   

   well as by the amplification of underlying inflationary pressures. The NBR's inflation forecast for the end of 2026 is 3.9%.

   9.0

   8.0

   7.0

   6.0

   5.0

   4.0

   3.0

   2.0

   1.0

   -

   % Real GDP growth, average 2015-2024

   IE MT CY PL HR RO HU GR LT PT CZ ES DK NL LV EE LU FR IT DE FI

   Public budget deficit

   7.7

   6.5

   4.9

   3.5 3.4 3.4

   2.8 2.7 2.3 2.2 2.2 2.2 2.2 2.0 2.0

   1.9 1.9

   1.3 1.1 0.9 0.9

   The public deficit totaled 7.65% of GDP in 2025, below the Government's target of 8.4% of GDP. The lower level compared to the target was due to the revenue consolidation and a reduction in expenditures.

   The fiscal-budgetary measures already approved for 2025 are intended to support this year's deficit target, which is expected to be around 6% of GDP, according to the latest statements from the Ministry of Finance. For the moment, the European Commission's forecasts for 2026 place the budget deficit at 6.2% of GDP. The consistent implementation of these measures could strengthen the fiscal adjustment process and contribute to stabilizing expectations regarding the dynamics of public debt. In this context, a more predictable fiscal trajectory could improve the country's credit risk and support the stabilization of financing costs, with a favorable effect on the financial environment as a whole. For the banking sector, a more stable macroeconomic framework could create the conditions for balanced credit growth, especially in sectors with strong fundamentals, while maintaining a prudent approach to risk management and portfolio quality.

   Preliminary financial results 31.12.2025

   6

   180

   160

   140

   154

   135

   Public debt % GDP 2024

   Inflation 2020-2025

   16 14.20 14.70

   14

   12 10.30

   10 8.40

   9.69

   120

   100

   113

   102 95

   82

   8

   6

   4 1.80

   3.50

   5.30

   9.60 10.30

   6.40

   6.60 5.70 5.50 5.45 5.66

   80 74

   65 63 63

   60

   40

   20

   -

   55 55 47 47

   44 43 41 38

   31 26 24 24

   2

   00.3

   2.20

   3.90

   2.90 2.7

   1.9 2 2

   GR IT FR ES PT FI HU CY HR DE PL RO MT LV CZ NL IE LT DK LU BG EE

   EU CPI RO CPI

   Banking sector ratios Q3 2025 (NBR source)

   The non-performing loan (NPL) ratio was 2.87% at the end of Q3 2025, up from 2.81% at the end of Q2 2025 and above the 2.54% level in Q3 2024. The total assets of the banking system rose to 907 billion lei in September 2025, compared to 894 billion lei in June 2025, marking a quarterly increase of approximately 13 billion lei and an annual growth of about 64 billion lei compared to September 2024 (843 billion lei). The banking system recorded a net profit of approximately 11 billion lei in the first nine months of 2025, and in Q3, return on assets (ROA) rose to 1.73%, while return on equity (ROE) was 18.41%, slightly above the 18.17% level in Q2 2025. The loan-to-deposit ratio was relatively stable, standing at 68.79% in Q3 2025, compared to 67.82% in Q2. This indicates a slight acceleration in the pace of lending compared to the growth of deposits. The solvency ratio was 23.91% in September 2025, down from the levels registered in Q2 2025 and Q4 2024, of 24.23% and respectively of 24.95%.

   Preliminary financial results 31.12.2025 7

   
   
   ‌2025 Summary

   Key figures

   Bank	12m up to 31.12.2025	12m up to 31.12.2024	Variation
   Net banking income (RON thousand)	251,481	213,439	18%
   Operational expenses (RON thousand)	(175,088)	(161,553)	8%
   Turnover tax	(13,441)	(7,544)	78.2%
   Net cost of risk (RON thousand)	(11,955)	(12,084)	-1%
   Net result (RON thousand)	50,212	32,712	53%
   Cost/income ratio	69.6%	76.4%	-6.8 p.p.
   Cost/income ratio (w/o turnover tax)	64.3%	72.8%	-8.5 p.p.
   ROE	10.9%	7.9%	3.1 p.p.
   	31.12.2025	31.12.2024	Variation
   Total net loans (thousand RON)	2,788,615	2,365,429	18%
   Total deposits (thousand RON)	4,098,978	3,702,193	11%
   Loans (gross value) / deposits	71.1%	67.0%	4.1 p.p.

   Financial results

   Loans and deposits

   On December 31, 2025, Patria Bank ended the financial year with a net profit of RON 50.2 million, up 53% compared to the previous year, confirming the efficiency of the development and consolidation strategy implemented in recent years. The result achieved reflects the improvement of commercial and financial performance, as well as prudent risk management, in a context marked by the intensification of fiscal pressures, generated by the increase in turnover tax from 2% to 4% starting with July 1, 2025, with an additional impact of RON 4.6 million in the second semester.

   If the Turnover tax from the years 2025 and 2024 were not taken into account, the profit recorded by the Bank would have been RON 63.7 million and respectively of RON 40.3 million, an increase of 58% compared to 2024.

   During 2025, the Bank demonstrated a solid capacity for adaptation and sustainable growth, through an integrated approach oriented towards revenue growth, balance sheet expansion and rigorous cost control. The favorable revenue dynamics, correlated with the expansion of interest yield-generating assets, allowed the absorption of additional costs and supported the improvement of profitability, reflected in the increase in profitability indicators and operating result, the latter registering an advance of approximately 47% compared to 2024.

   The operational efficiency was reflected in the significant reduction of the cost/income ratio, as well as in maintaining the net cost of risk at a stable level, amid the improvement of the quality of the loan portfolio. The decrease of the weight of the non-performing exposures confirms the solidity of the risk management framework and the sustainability of the business model.

   The main financial milestones achieved as of December 31, 2025 are presented below:

   • Balance sheet expansion: Total assets increased by 18% compared to the previous year, exceeding the threshold of RON 5 billion, an evolution supported by the growth of the performing

     loan portfolio (+18%) and additional investments in the Government Bonds portfolio, oriented towards optimizing returns.

   • Improved profitability: Return on equity (RoE) reached 10.9%, compared to 7.9% in the previous year, reflecting a more efficient use of capital and Return on assets (RoA) increased to 1.0%, compared to 0.8% in 2024.

   • Income increase: Net banking income recorded an 18% increase compared to 2024, supported by the expansion of the loan portfolio, the diversification of products and services, as well as the intensification of customer transactional activity.

   • Cost discipline: Operating expenses grew at a lower rate than inflation, despite the doubling in the second semester of the turnover tax, contributing to improved operational efficiency.

   • Optimal balance sheet structure: The gross loans/deposits ratio reached 71%, compared to 67% at the end of 2024, indicating a more efficient use of attracted resources and maintaining a comfortable liquidity position.

   • Lending growth: Loans and advances granted to customers increased by 18% compared to 2024, as a result of organic expansion, which remains a priority strategic direction for the bank. ⎫

   • Liquidity management: Investments in debt securities increased by 11% compared to the previous year, by temporarily placing excess liquidity at competitive yields, depending on capital market conditions.

   • Asset quality: The strategy to reduce non-performing exposures continued in 2025, with the non-performing exposures (NPE) ratio decreasing from 4.07% to 3.56%. The coverage ratio of non-performing loans with impairment adjustments remained at a solid level of 56%, supported by preventive measures, intensified collection processes and write-off operations.

   • Capital adequacy: The Bank maintained a robust capital base, with the Total Own Funds Ratio standing at 21.11%, a level that includes only the interim profit as of June 30, 2025 and the impact of the share buyback operations totaling RON 15 million, carried out during the year. The profit related to the second half of 2025 is to be included in the own funds after the audit process is completed.

   ‌Q4'25 Financial results

   Bank's Financial position as at 31.12.2025 compared with 31.12.2024

   Thousand RON

   ASSETS

   31-Dec-25

   31-Dec-24

   Dec.25/ Dec.24 (%)

   Cash and cash equivalents 789,312 524,457 51%

   Loans and advances to banks 19,201 19,422 (1%)

   Securities 1,410,264 1,266,353 11%

   Investment in subsidiaries 40,522 40,296 1%

   Loans and advances to customers, net 2,787,087 2,367,410 18%

   Other assets 253,398 268,220 (6%)

   Total ASSETS 5,299,784 4,486,158 18%

   LIABILITIES

   31-Dec-25

   31-Dec-24

   Dec.25/ Dec.24 (%)

   Due to banks & REPO 452,960 141,453 220%

   Due to customers 4,098,978 3,702,193 11%

   Other liabilities 88,007 91,015 (3%)

   Subordinated debt 102,719 59,391 73%

   Debt securities in issue 67,563 65,557 3%

   Total Liabilities 4,810,227 4,059,609 18%

   Total Equity 489,557 426,549 15%

   Total LIABILITIES AND EQUITY 5,299,784 4,486,158 18%

   Thousand RON

   31-Dec-25

   31-Dec-24 Dec.25/ Dec.24 (%)

   Gross loans 2,914,188 2,480,892 17%

   Performing loans 2,788,615 2,365,429 18%

   Non-performing loans 125,573 115,463 9%

   Impairments	(127,101)	(113,482)
   Performing loans provisions	(58,604)	(49,594)
   Non-performing loans provisions	(68,497)	(63,888)

   12%

   18%

   7%

   Net loans 2,787,087 2,367,410 18%

   Net performing loans 2,730,011 2,315,835 18%

   Net non-performing loans 57,076 51,575 11%

   As of December 31, 2025, Patria Bank reported total assets of RON 5,299.8 million, up 18% compared to December 31, 2024 (RON 4,486.2 million), an evolution supported by the solid dynamics of lending and the increase in investments in low-risk instruments. The increase in the balance sheet confirms the continuation of the strategy of expanding income-generating assets, while maintaining a comfortable liquidity position.

   Asset structure and main growth factors - The main contribution to the increase in assets came from loans and advances granted to customers, net, which rose to RON 2,787.1 million (+18% compared to RON 2,367.4 million). In gross terms, the loan portfolio reached RON 2,914.2 million, up 17% (RON

   +433.3 million), with a pronounced dynamic in the SME, Corporate and Agro segments. In the portfolio structure, performing loans increased to RON 2,788.6 million (+18%), while non-performing loans registered a moderate increase to RON 125.6 million (+9%). Against the background of this evolution, the non-performing exposures (NPE) rate improved, decreasing from 4.07% to 3.56% at the end of 2025.

   At the same time, the Bank consolidated its investment component, debt securities and equity instruments reaching RON 1,410.3 million, up 11% compared to 2024, as a result of the placement of excess liquidity at competitive yields, in line with market conditions. The liquidity position remained robust, reflected by the increase in cash and cash equivalents at the National Bank to RON 789.3 million (+51%). Other assets decreased to RON 251.6 million (-6%), while placements with banks remained stable (RON 19.2 million).

   From the perspective of credit risk adjustments, provisions rose to RON 127.1 million (+12%), with increases on both performing loans (+18%) and non-performing loans (+7%), maintaining an adequate level of prudence. The coverage ratio of non-performing loans through impairment adjustments stood at 56%, supporting the stability of the risk profile.

   Financing, liquidity and diversification of sources - On the liabilities side, total liabilities increased to RON 4,810.2 million (+18%), mainly as a result of the increase in resources attracted from customers and the diversification of financing. Customer liabilities (deposits) reached RON 4,099.0 million, up 11%, respectively RON +396.8 million compared to December 31, 2024. The financing strategy aimed to calibrate the cost of resources and manage liquidity at optimal levels, through a more selective approach for high-value and high-cost deposits, orienting the deposit base towards shorter maturities and contributing to reducing the cost of financing both in lei and in foreign currency. In parallel, the bank continued to develop collateral deposits, with lower volatility and competitive cost, in correlation with lending and trade finance activity.

   Interbank funding (bank deposits & REPO) increased to RON 453.0 million (+220%), reflecting both the expansion of assets and the funding mix adapted to market conditions in terms of duration, currency and cost. In addition, subordinated debt rose to RON 102.7 million (+73%), consolidating the longer-term funding structure and debt securities issued remained relatively stable (RON 67.6 million, +3%).

   Capitalization and capital adequacy - Equity increased to RON 489.6 million (+15%), mainly supported by the profitability of 2025 and the positive evolution of the revaluation reserves related to the government securities portfolio. At the same time, the evolution of equity incorporated the impact of partial share buyback operations, totaling RON 15 million (RON 6 million and RON 9 million), carried out within the exercise of the right of withdrawal by shareholders related to the merger between Banca Comerciala Carpatica and the former Patria Bank.

   At individual level, the Total Equity Ratio stood at 21.11%, above the regulatory limit and above the level recorded in 2024 (20.32%), as a result of the increase in equity at a higher rate than the increase in risk-weighted assets, in the context of the development of lending. At the consolidated level, the rate stands at 20.86%, also remaining above regulatory requirements. Both at the individual and consolidated levels, the rate includes profits reported as of 30.06.2025, and the bank applies the inclusion of the temporary treatment provided for in Article 468 of Regulation (EU) No. 575/2013. Given the inclusion in own funds

   of the profit recorded at individual and consolidated levels, which are currently under audit, the Own Funds Ratio at individual level is 22.27% and respectively 22.00% at consolidated level.

   Financial results (standalone level)

   FINANCIAL PERFORMANCE STATEMENT

   12m up to 12m up to 31.12.2025 31.12.2024

   Δ 2025/ 2024

   The main elements recorded, compared to the same period last year:

   Thousand RON			(%)
   Net interest income	168,277	144,724	16%
   Net fees and commission income	39,096	36,826	6%
   Net gains from financial activity & other income	44,108	31,889	38%
   Net banking income	251,481	213,439	18%
   Staff costs	(83,785)	(75,486)	11%
   Depreciation and amortization	(23,092)	(21,988)	5%
   Other operating and administrative expenses, out of which:	(68,211)	(64,079)	6%
   Turnover tax	(13,441)	(7,544)	78%
   Total operating expense	(175,088)	(161,553)	8%
   Operating result	76,393	51,886	47%
   Net impairment of financial assets	(11,955)	(12,084)	(1%)
   Profit before tax	64,438	39,802	62%
   Income tax expense for the year	(14,226)	(7,090)	101%

   Net profit for the period 50,212 32,712 53%

   Net banking income recorded an increase of 18% compared to the same period of 2024, an evolution mainly supported by the advance of net interest income (+16%), which represented the main growth driver. Income from financial activity (+38%) and, to a lesser extent, net commission income (+6%) contributed to this dynamic, reflecting a balanced mix of income sources and the consolidation of the Bank's capacity to generate recurring results based on the diversification of the product and service portfolio.

   Net interest income increased by 16% in 2025 compared to 2024, driven by higher revenues from loans and debt instruments.

   Interest expenses also increased, albeit at a slower pace than revenues, which supported the improvement in net interest income.

   Operational expenses recorded an increase of 8% (RON +13.5 million), compared to the same period of the previous year, of which RON 4.6 million represents the increase in turnover tax from 2% to 4% for the second semester. Staff expenses show also an increase, being especially influenced by the development of the Bank's activity and the performance based rewarding system. Another increase is driven by operational and administrative costs as a result of investments in IT and cybersecurity systems as well as in marketing campaigns.

   The net cost of risk follows a prudent evolution. The Bank records net impairment adjustments worth RON 11.9 million in 2025, similar with the level recorded in the previous year, the main cause being the

   quality of the loan portfolio and the very good results of the collection and recovery actions carried out during 2025. Thus, compared to December 31, 2024, the non-performing loans ratio (NPL ratio) decreased from 4.07% to the level of 3.56% recorded in December 31, 2025. The Bank constantly monitors the loan portfolio for adequate credit risk management, taking into account the uncertainties that arise in the market. In 2025, the Bank carried out write-off operations worth RON 13 million in line with the strategy of reducing the stock of non-performing loans.

   The taxation level reported by the Bank as of December 31 2025, calculated by considering the combined impact of the corporate income tax and the turnover tax, results in an effective tax rate of 35%, significantly greater than the level of taxation of developed Western European countries such as Italy, France, the Netherlands, and Spain.

   The Bank recorded a positive operational result for 2025 of RON 76.4 million and a net profit of RON

   50.2 million, up by 53% compared to the level recorded in December 2024. If the Turnover tax in 2025 and 2024 were not taken into account, the profit recorded by the Bank would have been RON 63.7 million, an increase of 58% compared to 2024.

   The Bank's net result continued the sustained growth recorded in the previous quarters of 2025. After a level of RON 10 million in Q1 2025, RON 15.7 million in Q2 2025 and RON 10.5 million in Q3 2025, the Bank recorded a profit of RON 13.9 million in Q4, surpassing the profit recorded in Q4 2024. This dynamic puts the Bank on a clear upward trajectory resulting in a net profit in 2025 with 53% above the profit recorded in 2024.

   Net result

   RON mn

   Operating result

   RON mn

   50

2023 2024 2025 2023 2024 2025

Net banking income

RON mn

Operating expenses

RON mn

2023 2024 2025

Economic financial indicators

2023 2024 2025

1. Total Own Funds Ratio

2. Potential change in economic value according to EBA Guidelines on IRRBB (EVE/ FP1)

3. Loans (gross value) / Customer deposits

4. Loans (gross value) / Total assets

5. Liquidity Coverage Ratio (LCR)

6. Liquid assets / Total assets

7. Debt securities and equity instruments / Total assets

8. Return on assets ratio (RoA)

9. Return on equity ratio (RoE)

10. Cost/income ratio

11. Cost/income ratio (less the turnover tax)

12. Non-Performing Loans (NPL)*

13. Non-Performing Exposures (NPE)*

14. Coverage NPL

(*) As per standalone FINREP

The consolidation of the bank's profitability is also reflected in the increase in profitability ratios, ROE and ROA reaching values of 10.9% and 1.0% respectively, above the levels recorded on 31.12.2024.

Operational efficiency - the cost/income ratio at 31.12.2025 incorporates the 2% turnover tax expense, for the period January - June 2025 and the 4% turnover tax expense for the period July - December 2025 applicable to credit institutions starting with 2024, in amount of RON 13.4 million, in the absence of which the cost/income ratio would have been 64%, down from 73% recorded in 2024.

Commercial activity

‌Banking activity for legal entities

In 2025, Patria Bank strengthened its commercial activity, with a strategic focus on the SME, Micro, Corporate, and Agro&Food segments, through dedicated solutions and initiatives in sustainability and green financing.

The MICRO segment benefited from fast and accessible products for entrepreneurs, with financing for working capital, factoring, and investments, including projects funded by European funds. The bank focused on flexibility and personalized consultancy, adapting processes and products to the specifics of various types of legal entities, ensuring a quality and impactful process at the individual, business, and community levels. Traditional segments were serviced (very small non-agricultural businesses and small agricultural businesses, with a strong presence in rural and small urban areas) as well as the small business segment, with a slightly more complex business structure.

In the SME sector, Patria Bank continued to play an active role in financing the real economy, supporting entrepreneurs through flexible credit products and strategic partnerships. The SME loan portfolio experienced accelerated growth as a result of both positive credit demand dynamics and an enhanced commercial execution capacity.

Performance is supported by the expansion of the Competitiveness Loan program in partnership with the European Investment Fund, as well as the development of dedicated operational flows for the SME segment, with improved response times and optimized processes. There was solid growth in investment and working capital financing, with a focus on sectors with a high contribution to the economy: production, trade and real estate.

In the CORPORATE segment, Patria Bank continued to support large companies through structured and tailored to the specific needs of strategic projects solutions. The increase of the Corporate portfolio reflects a consistent acceleration of commercial activity and a strong investment appetite.

Patria Bank strengthened its relationships with corporate companies through advisory approaches and financial structures tailored to the needs of its clients. Financing focused on sectors such as green energy, manufacturing, real estate, infrastructure, tourism, transportation and services. The bank offered both long-term investment loans and short-term financing, such as factoring and credit lines, to ensure financial flexibility and expansion capacity.

In the AGRO&FOOD segment, Patria Bank expanded its financing solutions for the food industry sector in parallel with the classic investment loans for land acquisition, equipment and farm modernization, facilitating farmers' access to high-performance technology. Financing with European funds continued to be a priority. Despite the impact of the soil drought in previous years, as well as the lack of liquidity in the agricultural sector, the quality of the Agro portfolio remained solid, thanks to the experience and expertise gained by the bank in servicing clients in this sector starting from the analysis, approval, counseling and support measures.

Thus, Patria Bank confirmed during 2025 its role as a relevant financial partner for Romanian companies, strengthening its market position through flexible, sustainable solutions adapted to the specific needs of each sector.

Outstanding loans

The level of outstanding performing loans granted to companies recorded a positive evolution compared to December 2024, respectively an increase of 20%. All business lines recorded positive evolutions compared to December 2024, with a positive dynamic of the total loan balance. In 2025, the Bank continued to focus on increasing the loan portfolio and supporting Micro companies and small companies, further exploiting, for the benefit of clients, the loans with guarantees issued by the European Investment Fund (InvestEU Program) but also on lending to SME companies, supporting both investments and current activity.

Outstanding loans balance legal entities

RON mn

1,838

2,209

31.12.2023 31.12.2024 31.12.2025

The performing loan portfolio on the AGRO segment registered an accelerated growth throughout the analyzed period, from RON 195.7 million in 2023 to RON 404.5 million in 2025. The advance in 2025 compared to 2024, of 34%, confirms the consolidation of this segment as an important growth engine, supported by the high demand for financing and the strategic focus on agriculture.

The Micro segment had a more moderate evolution, showing an increase of 10% compared to the previous year. The balance at the end of the year is usually influenced by the seasonality of the activity on certain categories of clients, as well as by the collection of APIA subsidies, which predominated in the last quarter.

SME loans recorded a constant and sustained growth, from RON 532.4 million in 2023 to RON 801.4 million in 2025. The pace of +19% in 2025 confirms the role of this segment as a central pillar of the

portfolio, characterized by volume, diversification and stability. The positive evolution reflects both the attraction of new customers and the development of existing commercial relationships.

The Corporate segment had a robust evolution, the balance of performing loans increasing from RON

408.2 million in 2023 to RON 582.9 million in 2025. The 22% increase in 2025 compared to 2024 highlights the intensification of financing granted to large companies and complex projects, as well as the consolidation of the portfolio of strategic customers.

New loan sales

In 2025, new loan sales in the corporate segment recorded an increase of 4.5% compared to the similar period of last year.

In the MICRO segment, financing was focused on covering working capital needs, but also on financing investments, including long-term ones, both subsegments having a positive dynamic compared to the same period last year. The loan balance increased by 10% compared to the balance reported at the end of last year and new loan sales had an advance of +17% compared to the same period last year, under the condition of

New loans sales legal entitites

RON mn

1,190

1,253

31.12.2023 31.12.2024 31.12.2025

an improvement in the quality of the portfolio. The implementation of a fast analysis flow contributed to this growth, meeting the clients' requests for quick solutions and coverage of financing needs. The Bank also maintains its specific and differentiated approach in the area of very small non-agricultural businesses and small agricultural businesses, a strategic segment for microfinance, but it has also paid more attention to the small non-agricultural business segment, leveraging the growth of existing clients' businesses and the increased interest of new clients, thus capitalizing on the personalized and pragmatic approach specific to each business subsegment (very small/small, agro/non-agro).

In the AGRO&FOOD segment, sales in 2025 were 28% higher than in 2024, reaching RON 303 million. The bank continued its strategy of acquiring new clients through financing and refinancing of investments, both medium and long term. This strategy continues to be implemented, with a focus on financing land acquisitions, machinery, irrigation systems, storage spaces, as well as financing projects with European Funds. Since, in the Agro segment portfolio, the largest share is represented by financing crop cultivation, the Bank also has a strategy to diversify this segment. Regarding the structure of financing demand in 2025, there is a clear preference for working capital loans, at 70%, used both for establishing crops and for paying input suppliers. Investment and equipment loans accounted for 20% of the total, while financing for the implementation of projects with European funds represented 10%. Compared to the same period in 2024, the loan balance recorded a significant increase of 34%. Investment financing

slightly decreased, but there is a noticeable rise in the interest of medium and large farmers for projects carried out with European funds, especially in livestock farming, particularly in the pig and poultry sectors. Financing for the food industry segment accounted for 25% of total financing in 2025.

The Agro segment continued to be one of the strategic priority segments for lending activity. The significantly improved performances recorded in 2025 are, first of all, the result of the consolidation of Patria Bank's commercial team, the focus on increasing the profitability of existing clients but also on attracting new clients, as well as the improvement of internal processes.

Thus, the Agro&Food Department recorded a 34% increase in the loan portfolio in 2025 compared to the end of the previous year. The demand for financing from Romanian farmers in the analyzed period reflects a positive dynamic fueled by the working capital needs of farmers, as well as the growing interest in investments and projects with European funds.

In the SME & Corporate segment, 2025 was marked by the Bank's strengthened position as a strategic financial partner for projects with major economic impact. During this period, significant financings were successfully completed in key sectors such as HORECA, infrastructure, green energy, and commercial real estate, reflecting both companies' investment appetite and the bank's ability to structure flexible and competitive solutions.

Green energy remains a strategic priority for the economy and for the Bank, with a clear focus on the solar energy segment, where projects for production and energy efficiency were financed. These initiatives contribute to national goals for energy transition and emission reduction, while simultaneously strengthening the Bank's position in the sustainable financing segment.

In the infrastructure area, the Bank continued to provide non-cash facilities, supporting complex projects with a strategic role in regional economic development. These financings contribute to increasing companies' competitiveness and boosting public and private investments. The medium-term strategy remains focused on sectors with high growth potential and structural impact on the economy.

Commercial funding (current accounts & term deposits)

Commercial funding recorded an increase of 19% compared to 2024. The increase in collected sources was due to the positive evolution in the SME&Corporate area. The Bank's strategy was to increase competitiveness in terms of prices offered in the short-term maturity segment (1 - 3 months) considering the decreasing trend of interest rates. The Bank also obtained in the first 6 months of 2025 a significant reduction in the funding cost related to commercial sources, by reducing concentrations in the liquidity area and increasing current account turnover.

Retail Banking activity banking

Commercial funding balance

- Legal entities

RON mn

1,591

1,885

31.12.2023 31.12.2024 31.12.2025

In 2025 the demand for lending products (secured and unsecured) continued to grow. This development was in line with the upward trend recorded throughout the system. Patria Bank continued to actively promote products in the existing portfolio, while launching a mortgage loan product in Euro with a fixed interest rate for the first 5 years.

The Bank also continued to promote the shopping card and unsecured loans, both through territorial units and through the digital lending application on the Patria de Oriunde platform.

The volume of secured and unsecured loans granted by the Bank in 2025 amounted to RON 285 million, a significant increase compared to 2024.

Although secured loans still have a reduced value in total lending activity, with sales of RON 61 million lei in 2025 (of which RON 19 million in the Q4), there is a trend of increasing their sales compared to 2024, when sales of RON 29 million were recorded (representing an increase of 110%).

New volumes of unsecured loans remained predominant in 2025, with a contribution of RON 224 million, respectively 79% of the total volumes of new loans granted to the retail segment (of which, in Q4, unsecured loans worth RON 58 million were sold).

The Bank estimates an increase in the contribution of secured lending in the coming period, by actively promoting existing products, in lei and euros, both through its own sales force and through intermediary partners (brokers and lead providers). The penetration rate of loans sold with insurance in total loans reached 85%. In this context, it is also relevant that Patria Bank relaunched the personal needs loan product without guarantees in the amount of up to RON 250,000.

The Bank also continued to promote personal needs loans and credit cards purchased digitally on the Patria De Oriunde platform.

Retail performing loans

RON mn

Secured Unsecured

Retail new loan sales

RON mn

Secured Unsecured

351

311

306

267

221

148

.

31.12.2023 31.12.2024 31.12.2025

31.12.2023 31.12.2024 31.12.2025

Regarding commercial funding, the balance of term deposits registered an increase of RON 123 million as of December 31, 2025 compared to December 31, 2024, while the balance of current accounts registered a decrease in value compared to December 31, 2024, but with an increasing quarterly trend during 2025.

Starting with Q2 2025, the actions to promote savings products were intensified, supported by campaigns launched for periods of 3, 6, 12 and 13 months, actions that were maintained until the end of the year. Increased attention was also paid to retention for deposits that have reached maturity.

Commercial funding - Retail clients

RON mn

Term deposits Current accounts

288

1.766

1.783

31.12.2023 31.12.2024 31.12.2025

Patria de Oriunde

Starting from 21.07.2025, on the online platform "Patria de Oriunde," any individual wishing to apply for a credit card from Patria Bank (including for refinancing purposes) can do so easily and quickly, directly online, without having to visit the Bank.

During 2025, Patria Bank carried out integrated communication campaigns to promote the online platform "Patria de Oriunde," aiming to increase awareness and the use of online savings and credit products, such as deposits, unsecured consumer loans, and credit cards.

Patria Online

Throughout 2025, Patria Bank's Internet & Mobile Banking platform was continuously expanded with the addition of new functionalities and digital service options for customers, as well as security updates and methods to mitigate fraud risks.

+13% increase in number of Patria Online users in 2025 vs.2024

+16% increase in number of transactions executed via Internet & Mobile Banking platforms in 2025 vs. 2024

Digitalization

Patria Bank continued the process of innovation and digitalization, both in the commercial and operational areas. The main directions include:

• Starting the implementation of the E-Wallet project aimed at integrating Patria Bank cards into Visa and MasterCard electronic wallets for making payments at POS terminals and for ecommerce.

• Developing and testing a new Mobile Banking service for Legal Entities in order to facilitate access of this type of customers to the Bank's products and services

• Improving digital solutions for corporate clients by expanding the Patria Smart API service, a service through which clients can use an alternative channel to access information regarding transactions related to current accounts via an API service, in various standardized formats

• Optimizing the way payroll and similar payment files are processed through the Corporate Internet Banking platform

• Updating the access flow for users of Internet & Mobile Banking services to provide additional protection, with the main goal of reducing fraud risks and increasing the security level of remote payment services

Communication

Online communication was carried out through the Patria Bank website, via social media channels used to increase visibility and interaction with the target audience, through digital advertising campaigns run on Meta and Google platforms, with traffic and conversion objectives, as well as by displaying banners on partner websites. Additionally, the campaigns included direct communication to the client base through newsletters and SMS messages.

Offline communication included broadcasting radio and TV spots, promotion within the network of territorial units through dedicated materials (posters, flyers, and banners displayed on ATM screens and LCD monitors), as well as presence at trade fairs and industry events, through presentation stands and direct interaction with the public. This mix was complemented by outdoor exposure, achieved through the airing of video spots on digital screens placed in public spaces, including metro stations, contributing to ensuring a constant and coherent presence of communication messages.

‌About Patria Bank

Patria Bank SA is a joint stock company using a one-tier corporate model, licensed as a credit institution for carrying out banking activities in Romania according to Emergency Ordinance of Government (EOG) no. 99/2006 on credit institutions and capital adequacy.

As at 31.12.2025 Patria Bank Group includes:

Patria Bank SA, credit institution authorized to carry out banking activities on the territory of Romania. The Bank offers banking services and other financial services to individuals and companies, having a market share in terms of assets of less than 1%. These services include: opening of accounts and term deposits, domestic and foreign payments, foreign exchange operations, financing for current activity, medium-term financing, issue of letters of guarantee and letters of credit.

Patria Credit IFN SA, a non-banking financial institution licensed by the National Bank of Romania (NBR) to perform lending activities in Romania, registered in the Special Register of Non-Banking Financial Institutions held by the NBR specialized in rural lending and microfinance. Patria Bank SA holds 99.99% of the share capital of Patria Credit IFN.

SAI Patria Asset Management SA and the five investment funds managed by the company - Patria Obligatiuni, Patria Global, Patria Stock, ETF BET Patria - Tradeville and ETF Energie Patria -Tradeville. The company is licensed by the Financial Supervisory Authority of Romania (FSA) for the management of investment funds and is 99.99% under the control of Patria Bank SA.

As at 31.12.2025 the Bank also holds a participation of 95.68% of the share capital of Carpatica Invest SA (formerly SSIF Carpatica Invest SA), a company currently undergoing judicial liquidation.

Shareholder structure

The structure of the Bank's shareholders holding at least 10% of share capital at 31.12.2025 is as follows:

By the EGSM Resolution no. 1/28.04.2025, the reduction of the Bank's share capital was approved through the cancellation of shares acquired by the Bank as a result of the partial repurchase of its own shares from shareholders. The repurchase was carried out following the exercise by entitled shareholders of the right of withdrawal, in accordance with art. 134 para. (1) letter d) of Law no. 31/1990 on companies, in the context of the merger between Banca Comercială Carpatica, as the absorbing company, according to the EGSM Resolution of Banca Comercială Carpatica no. 1/05.10.2016, and Patria Bank, as the absorbed company, according to the EGSM Resolution of Patria Bank no. 22/08.11.2016. The share capital was reduced with the amount of RON 4,042,381.80 lei, from RON 327,881,437.60 to RON 323,839,055.80, by canceling 40,423,818 shares with a nominal value of 0.10 lei/share.

Directors and Executives

As of 31.12.2025 the management of the Bank is as follows:

Board of Directors Executive Committee

Horia Dragos MANDA

Chairman

Grigore Valentin VANCEA

General Manager

Daniela ILIESCU

Member

Georgiana Mihaela STANCIULESCU

Deputy General Manager, Financial Division

Bogdan MERFEA

Member

Razvan Vasile PRODEA

Deputy General Manager, Risc Division

Nicolae SURDU

Independent member

Vasile IUGA

Independent member

Cristian NAE

Deputy General Manager, Commercial Division

Preliminary financial results 31.12.2025 24

‌Activity of subsidiaries

Patria Credit IFN

Patria Credit IFN SA is a non-banking financial institution (IFN) specialized in microfinancing that supports the efforts of rural and small urban entrepreneurs, as well as their positive impact on their communities. Patria Credit is a member of the European Microfinance Network (EMN) and Microfinance Center (MFC) and is the first non-banking financial institution dedicated to microfinance in Romania, with 30 years of experience and over 20,000 historically financed clients.

Financial and operational performance in 2025

2025 marked the end of a nine-year growth cycle for Patria Credit, characterized by sustained expansion, record scaling, and proven financial resilience. As of December 31, 2025, Patria Credit's total assets exceeded RON 280 million, representing a significant increase of 70% compared with the level of RON 162 million recorded in 2023. During the same period, equity grew to around RON 33 million, representing an increase of 55% compared with the level recorded in 2023, confirming solid and sustainable capitalization.

In 2025, the company recorded its highest sales and lending volumes in its history, with new loan sales increasing by over 142% compared to 2024. The loan portfolio reached RON 217 million, up 17% compared to December 2024. The net profit recorded as of December 31, 2025, was RON 6.6 million and the cumulative net profit generated during the 2017-2025 period exceeded the equivalent of RON 45 million, despite the normal annual volatility of the business.

Portfolio Structure and Strategic Focus

In 2025, Patria Credit continued to provide loans tailored to the needs of its main segment - microfarms and small businesses - strengthening its role as an institution dedicated to microfinance. By the end of the year, 82% of the portfolio was concentrated in this segment and 79% of the portfolio consisted of investment loans. From the perspective of collateral structure, 85% of the portfolio is guaranteed through programs implemented in partnership with the European Investment Fund, including InvestEU and EaSI, which helps reduce risk and expand access to financing for eligible clients. The number of clients and active loans continued to grow, reinforcing the institution's coverage area and social impact, especially in rural areas and underserved communities.

Strategic Projects and International Funding

In Q4 2025, Patria Credit signed a grant agreement with the Council of Europe Development Bank (CEB) worth EUR 1.83 million for the implementation of the project "Seeds of Change - Building Viable Businesses for Roma Communities and Small Farmers". This is the first grant signed by CEB under the InvestEU

Preliminary financial results 31.12.2025 25

3,166 active customers as at 31.12.2025 RON 217 mn

Loan portfolio

+142%

New loan sales

RON 6.6 mn

Net profit as at 31.12.2025

lending Facility for Microfinance, funded by the EU through the European Social Fund Plus (ESF+). The project implementation will be carried out by Patria Credit, with the support of the REDI Association - Roma Entrepreneurship Development Initiative, an experienced partner in supporting entrepreneurship in Roma communities in Romania and Eastern Europe.

Outlook: Patria Credit aims to continue the digitalization process, both internally and in its relationships with clients, and to actively engage, alongside NGOs and institutional partners, in the development of new lending models and in promoting good practices in sustainable agriculture. At the same time, the company supports initiatives aimed at reducing the distance between producers and consumers, including through the launch of dedicated sales platforms and by facilitating access for small producers to large retail chains, thus contributing to the sustainable economic development of rural areas.

Preliminary financial results 31.12.2025

26

SAI Patria Asset Management

SAI Patria Asset Management SA, an investment management company authorized by the ASF, continued to increase its assets under management to RON 860.4 million at the end of December 2025. The value reached at the end of 2025 represents an increase of 71.4% compared to the level of RON 502.1 million recorded at the end of 2024. The total assets managed by the company recorded an increase of 648.8% in the last three years ended on December 31, 2025. This dynamic supported also the improvement of financial performance, with the company reporting on December 31, 2025 a net profit of RON 2.06 million, increasing more than two times compared to the net result of RON 0.84 million reported on December 31, 2024.

Patria Asset Management manages the first two ETFs (Exchange Traded Funds) established in Romania, Fund ETF BET Patria - Tradeville and Fund ETF Energie Patria - Tradeville..

Fondul ETF BET Patria - Tradeville replicates the structure and performance of the main index of the Bucharest Stock Exchange (BSE), BET, and is traded with the TVBETETF ticker symbol on the BSE. ETF BET Patria - Tradeville had assets of RON 779.0 million as of 31.12.2025, up 74.0% from the asset level of RON 447.7 million recorded on 31.12.2024. The fund unit yield was +52.85% in 2025. The fund registered 33,317 investors as of 31.12.2025, representing an increase from 28,642 investors on 31.12.2024 (+16.3%).

Fondul ETF Energie Patria - Tradeville is a sector ETF dedicated to the energy and related utilities sector, replicating the structure and performance of the BET-NG sector index of the BSE, and is traded on the BSE with the PTENGETF ticker symbol. The Fund had assets of RON 48.7 million as of 31.12.2025, up from 23.3 million lei as of 31.12.2024 (+109.1%). The fund unit yield was +55.13% in 2025. The fund registered 6,307 investors as of 31.12.2025, up from 4,328 investors as of 31.12.2024 (+45.7%).

Besides the two ETFs, Patria Asset Management also manages Patria Global and Patria Stock - RON diversified funds and Patria Obligatiuni - a RON fixed-income fund. The three funds are distributed through Patria Bank and through Patria Asset Management's own online platform for investment funds. Available at online.patriafonduri.ro, the platform offers easy access to the value of holdings and to online transactions for investing in or withdrawing money from the four funds.

Preliminary financial results 31.12.2025 27

RON 860 mn

managed assets as at 31.12.25

+ 71% vs 31.12.24

39,624

investors in 2

ETFs as at 30.12.2025

RON 2.06 mn

Preliminary net profit in 2025

‌Activity on the Bucharest Stock Exchange

Patria Bank has three issues of financial instruments listed on the regulated market of the Bucharest Stock Exchange: the Bank's shares and two issues of subordinated bonds. The Bank's shares trade on the regulated market managed by the Bucharest Stock Exchange (the Premium category) with the PBK ticker symbol. The issue's ISIN code is ROBACRACNOR6.

After a relatively stable performance recorded in recent years, the Bank's stock price increased in 2025, following the publication of a notification by the major shareholder stating that they are exploring strategic options regarding their stake in Patria Bank. The closing price of PBK shares at 31.12.2025 was RON 0,1120/share, an increase of 36.6% compared to the price as at end of 2024 of RON 0.0820/share.

Patria Bank's subordinated bond issue issued in Euro on 20.09.2019, with a total value of EUR 5.0 million, a fixed interest rate of 6.50%/year and maturity on 20.09.2027 trades on the regulated market managed by the Bucharest Stock Exchange with the PBK27E ticker symbol. The ISIN code of the issue is ROZN0PQQARR5. The closing price of PBK27E bonds at the end of 2025 as a percentage of the 500 Euro par value was 98.90% compared to 98.26% at the end of 2024.

Patria Bank's subordinated bond issue issued in Euro on 05.10.2020, with a total value of EUR 8.2 million, a fixed interest rate of 6.50%/year and maturity on 05.10.2028 trades on the regulated market managed by the Bucharest Stock Exchange with the PBK28E ticker symbol. The ISIN code of the issue is ROWRHZRZD4L3. The closing price of PBK28E bonds at the end of 2025 as a percentage of the 500 Euro par value was 98.45% compared to 98.59% at the end of 2024.

Subsequent events to 31.12.2025

By Decision of the Board of Directors no. 19/27.01.2026, the Ordinary General Meeting of Shareholders (OGMS) was convened on March 2, 2026 (first call) / March 3, 2026 (second call) at 10:30 AM at the Bank's headquarters located at 42 Pipera Road, Globalworth Plaza Building, 10th floor, District 2, Bucharest, with the following main item on the agenda:

• Approval of the appointment of KPMG Audit S.R.L., with its registered office in Bucharest, Sector 1, 89A Bucharest-Ploiesti Road, as statutory auditor of Patria Bank S.A. for the issuance of the limited assurance report on the CSRD sustainability statement for the 2025 financial year, as well as the ratification and confirmation of the Limited Assurance Engagement Contract on sustainability concluded between Patria Bank S.A. and KPMG Audit S.R.L. on 19 January 2026 for the financial year ended 31 December 2025, and of the Limited Assurance Engagement Contract on sustainability concluded between Patria Bank S.A. and KPMG Audit S.R.L. on 12 December 2024 for the financial year ended 31 December 2024.

  Redemption of own shares

  On 17.10.2025, Patria Bank announces a new transaction of partial redemption of own shares from shareholders who exercised their right to withdrawal in the context of the merger between Banca Comerciala Carpatica S.A. and Patria Bank S.A.

  Taking into account the limitations imposed by the legislation applicable to credit institutions, Patria Bank requested the National Bank of Romania to approve the partial repurchase of its own shares in the amount of RON 9,000,000 proportionally from the shareholders who exercised their right of withdrawal during the merger process. By letter dated 09.10.2025, the National Bank of Romania communicated the prior approval of Patria Bank's partial redemption of Patria Bank own shares in the amount of RON 9,000,000.

  The partial redemption of the shares and the payment of the price for them The partial redemption of shares and payment of the price for are conditional, for the entitled shareholders, on the completion of the appropriate formalities, in accordance with the Withdrawal Procedures of the two banks participating in the merger process and with the current report published by Patria Bank on the partial redemption procedure.

  The Lock-up Date for this partial redemption in accordance with the Withdrawal Procedures is November 7, 2025 and the payment of the price of the partial redeemable for the entitled shareholders for which all the corresponding formalities have been completed is November 28, 2025.

  On December 4, 2025, In accordance with the FSA Regulation no. 5/2018 on issuers of financial instruments and market operations and taking into account the communication from the Central Depository no. 48119/04.12.2025, Patria Bank SA, as issuer, notifies the regulated market in regard to the following information on the partial redemption of own shares carried out according to provisions of current report no. 1183431/17.10.2025, mentioned above.

• Partial redemption of shares as a result of the withdrawal of the shareholders who did not vote in favor of approving the merger project of Banca Comerciala Carpatica SA and Patria Bank SA, in accordance with EGMS of Banca Comerciala Carpatica SA and EGMS of Patria Bank SA from 05.10.2016 for the approval of the merger project of the two banks (merger implemented with effective date May 1, 2017).

Significant transactions

During Q4 2025, there were no significant contracts concluded by Patria Bank on acquisitions, mergers, divisions etc. or significant major transactions with persons with whom it would act in concert or in which such persons were involved.

Description of any changes to the rights of holders of securities issued by the company

There were no changes to the rights of shareholders during the reporting period.

As of December 31, 2025, the shareholders whose voting rights are suspended under NBR orders held a total of 144,652,382 shares, representing 4.47% of the total number of shares and the total number of voting rights, following the operation to reduce the Bank's share capital completed on September 17, 2025 (according to the details presented in the Shareholder structure section).

At the same time, following the partial share buyback operation as a result of the withdrawal of shareholders who did not vote in favor of approving the merger project, a total of 60,635,352 own shares held by Patria Bank SA are suspended as of December 31, 2025, based on Law 31/1990.

Preliminary financial results 31.12.2025