Patria Bank SA informs the market that the integral version of the Report on the H1 2025 financial results of Patria Bank S.A together with the consolidated and separate interim financial statements for the period ended 30.06.2025, prepared in accordance with IFRS as adopted by EU, shall be accessible on the bank's website at https://en.patriabank.ro/investors/reports-and-results/financial-reports starting with 29.08.2025. Financial statements as at 30.06.2025 are not audited or reviewed.
Patria Bank Patria Bank - H1 2025 Financial Results Accelerated growth across all business lines | Expansion of assets and lending | Higher revenues, strengthened efficiencyBucharest, August 29, 2025 - Patria Bank (BVB: PBK) closed the first half of 2025 with a net profit of RON 25.8 million, up 42% compared to the same period in 2024, marking a stage of solid and balanced development across all areas of activity. The results achieved in H1 are part of a much more accelerated trend compared to recent years, highlighting the Bank's positive and sustainable dynamics.
"The results from the first six months of 2025 reflect sustained growth across all business segments, from micro-enterprises to complex corporate projects. The expansion of financing in strategic sectors such as agriculture, green energy, real estate, services, manufacturing, infrastructure, HoReCa, technology, healthcare, tourism and transportation, combined with the constant acquisition of new clients and the launch of specialized financial products, consolidates Patria Bank's position as a reliable and active partner for Romanian entrepreneurs, contributing to the sustainable development of the local economy," stated Valentin Vancea, CEO of Patria Bank.
Net banking income increased by 18%, reaching RON 123.4 million, mainly due to net interest income, the core pillar of the Bank's activity. This performance confirms Patria Bank's ability to grow its operating revenues and transform its core business into profitable growth. In parallel, operating expenses advancedmoderately (+4%), well below the pace of revenue growth, despite an inflationary environment and continued investments in digitalization, cybersecurity and marketing, leading to a reduction in the cost-to-income ratio to 68% (65% excluding the turnover tax).
Profitability strengthened significantly, with RoE at 11.7% (vs. 8.9% in H1 2024) and RoA at 1.1% (vs. 0.8%). Operating profit reached RON 39.2 million, up 65% vs. H1 2024, reflecting the scalability of the business model and operational efficiency.
Total assets grew to RON 4.8 billion (+7% vs. December 2024), consolidating the foundation for longterm development. The performing loan portfolio reached RON 2.7 billion (+13% vs. December 2024), with consistent growth across all segments: Agro (+33%), Micro (+15%) and SME & Corporate (+12%). On the retail side, new loan sales advanced by 57% compared to H1 2024, totaling RON 127.5 million. Total loan sales across all business lines in H1 2025 amounted to RON 860 million, up 42% vs. H1 2024. In parallel, the Bank consolidated its debt securities portfolio (+8% vs. December 2024), through prudent and profitable liquidity management.Patria Bank maintained a prudent risk management policy, which led to a significant improvement in the quality of the loan portfolio. The ratio of non-performing exposures decreased to 3.4% from 4.1% at the end of 2024, while the coverage of non-performing loans remained at a comfortable 57%. This evolution was supported by intensified monitoring and collection activities, as well as write-off operations, allowing for better capital allocation and the strengthening of the performing loan base. In parallel, the loans-to-deposits ratio increased to 73%, highlighting stronger lending activity and the Bank's financial discipline.
"The financial results for the first half of 2025 confirm the strength of the strategic direction adopted and the Bank's ability to turn revenue growth into a sustainable level of profitability. The expansion of the loan portfolio, optimization of the cost-to-income ratio and the maintenance of a solid capital base contributed significantly to the increase in net profit and the improvement of profitability indicators. The performance achieved during this period reflects both operational efficiency and our team's commitment to supporting a sustainable business model, adaptable to market dynamics," stated Georgiana Stanciulescu, Deputy CEO of Patria Bank.
The Bank continued the digitalization process and the expansion of its commercial offering, recording a 22% increase in users of the Patria Online platform vs. H1 2024 and a 13% increase in Internet & Mobile Banking transactions compared to H1 2024. At the same time, new and innovative products and solutions were launched, such as the EUR mortgage loan with a fixed interest rate for five years, the fully online-accessible credit card, and customized SME & Corporate solutions, all designed to support commercial development, enhance customer interaction and drive operational revenue expansion.
The total capital adequacy ratio stood at 21.8%, above regulatory requirements and higher than at year-end 2024, including the H1 profit. This consolidates the Bank's position to support long-term development plans and strategic investments.For further details: pr@patriabank.ro , +40 732 800 326.
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About Patria BankPatria Bank is a Romanian bank listed on the Main Market of the Bucharest Stock Exchange (trading symbol: PBK), offering a complete range of financial products and services - from current accounts, savings and loans to modern digital solutions - addressed to individuals, micro-enterprises, SMEs and the agricultural sector. Through its proprietary digital platform, "Patria de Oriunde," clients can access banking services 100% online, without the need for physical presence in branches. Patria Bank is part of a financial group that also includes Patria Credit IFN, specialized in rural microfinance, and SAI Patria Asset Management, an investment fund manager. The majority shareholder of the Bank is the private equity fund Emerging Europe Accession Fund (EEAF), whose main investors are EBRD (European Bank for Reconstruction and Development), EIF (European Investment Fund, part of the European Investment Bank Group), DEG (Development Bank, part of the KfW banking group) and BSTDB (Black Sea Trade and Development Bank). https://www.patriabank.ro
Deputy General Manager Deputy General Manager
Georgiana Stanciulescu Razvan Prodea