PBK Presentation Sep 2025

patriabank.ro

WELCOME TO PATRIA BANK TELECONFERENCE - H1 2025 FINANCIAL RESULTS

Valentin Vancea

General Manager

Georgiana Stanciulescu Deputy General Manager, Financial

Răzvan Prodea Deputy General Manager, Risk

Răzvan Paçol Manager, Capital

Markets and IR Division

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AGENDA

› Patria Bank in H1 2025

› Macroeconomics context

› Main results in H1 2025

› Commercial and operational developments

› Digitalization

› Patria Bank shares and bonds

› Shareholders and management

› Q&A

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DISCLAIMER

This presentation is not and nothing in it should be construed as an offer, invitation or recommendation with respect to Patria Bank S.A.

("PBK"), or an offer, invitation or recommendation to sell or a solicitation of an offer to buy PBK shares or other financial instruments.

Nothing in this presentation and nothing in it shall form the basis of any contract or commitment. This presentation is not intended to constitute investment advice or recommendations to investors or potential investors and does not take into account the investment objectives, financial situation or needs of any investor.

All investors should consider this presentation in consultation with a professional advisor of their choice when deciding whether an investment is appropriate.

Patria Bank S.A. has prepared this presentation based on information available to it, including information derived from public sources that has not been independently verified. No representation or warranty, express or implied, is made as to the objectivity, accuracy, correctness, completeness or reliability of the information, opinions or conclusions expressed herein.

This presentation should not be considered a comprehensive representation of Patria Bank's business, financial performance or results.

This presentation may contain forward-looking statements. These statements reflect Patria Bank's current knowledge and its expectations and projections regarding future events and can be identified by the context of such statements or words such as "anticipates", "believes", "estimates", "expects", "intends", "plan", "project", "target", "may", "will", "would", "could" or "should" or similar terminology.

Patria Bank undertakes no obligation to update or revise these forward-looking statements to reflect events or circumstances that occur after the date made or to reflect the occurrence of unanticipated events. Inevitably, some assumptions may not materialize, and unforeseen events and circumstances may affect the final financial results. The projections are inherently subject to substantial and numerous uncertainties and a wide range of significant commercial, economic and competitive risks.

Consequently, actual results may differ materially from the forecasts, and such variations could be significant.

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