Q3 2025 Report

Ǥe PATRIA BANK

For the period ended: September 30, 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

Q3'25 Key performance indicators Error! Bookmark not defined.

Q3'25 Key financial indicators Error! Bookmark not defined.

Q3'25 Macroeconomic context Error! Bookmark not defined.

Q3'25 Summary Error! Bookmark not defined.

Q3'25 Financial results Error! Bookmark not defined.

Q3'25 Commercial activity Error! Bookmark not defined.

About Patria Bank Error! Bookmark not defined.

Activity of subsidiaries Error! Bookmark not defined.

Activity on Bucharest Stock Exchange Error! Bookmark not defined.

Annexes 29

Statement Error! Bookmark not defined.

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 standalone interim financial statements presented on the following pages have been prepared in accordance with the International Financial Reporting Standards applicable to interim reporting, as adopted by the European Union ("IFRS"). The consolidated and standalone interim financial statements as of September 30, 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.

Q3 2025 Report 3

PATRIA BANK

Key performance

indicators

O3'25

INDICATOR

**2 O/'o

Increase in the number of Patria Bank online users

in 9M 2025 vs. 9M 2024

Q1 2025 Q2 2025

NEW LOAN SALES DIGITALIZATION

PERFORMING LOANS

in RON mn

PATRIA

CREDIT

COMMERCIAL FINANCING

in RON mn

Individual data

PATRIA ASSET

MANAGEMENT

Key financial indicators

'Of O3'25

NET BANKING INCOME

2024

72%*

in RON mn

INCOME BREAKDOWN

in RON mn, for 9M 2025

•@ PATNIA BANI£

CONST/INCOME RATIO

*Excluding the turnover tax introduced in

PROFITABILITY

in RON mn

' ' ' '

O Net interest income 125.3

0 Net fees and commissions income 28.2

1. Financial and other income 30,1

   15.0

   
   
   

   9M 2023

   27.4

   
   
   
   
   
   
   
   
   

   9M 2024

   
   
   

   RETURN ON ASSETS (ROA)

   RETURN ON EQUITY (ROE)

   0,9%

   1,0%

   10,8%

   8,8%

   0,5%

   5,5%

   
   
   
   
   
   

   3D.D9 2O23

   30 09.2024

   30D9.2025

   3D D92023

   30.09.2024

   
   
   

   Q3'25 Macroeconomic context

   Economic growth in Q2 2025, according to data published by the INS, indicates a real

   GDP growth of 0.3% compared to Q2 2024.

   GDP 2020-2025

   2020 2021 2022 2023 2024 2025F

   Economic performance should remain weak in the following quarters, being limited by the fiscal consolidation process.

   The inflation rate rose to 9.9% in September, and the annual CORE 3 core inflation rate was 8.1%

   -3.7

   -5.7

   5.7 5.3

   4.1

   2.6

   2.1

   0.4

   0.8

   0.4

   1.2 1

   GDP RO
   GDP EU
   
   
   
   
   

   Public budget deficit

   The general consolidated budget deficit rose to 5.39% in the first nine months of the year and reached RON 102.4 billion, compared to RON 96.2 billion (5.47% of GDP) in the first nine months of last year

   Before the European Commission, Romania assumed a deficit target of 8.4% for this year, much higher than initially expected, i.e. 7%, but below last year's record level of 9.4%.

   Q3 2025 Report

   6

   16

   14

   12

   10

   8

   6

   4 1.8

   2

   3.5

   8.4

   5.30

   Inflation 2020-2025

   14.2 14.7

   10.3

   6.6 5.7 5.5 5.45 5.66 7.2

   9.60 10.30

   6.40

   0 0.3 2.20

   3.90 2.90 2.7

   1.9 2 1.75

   EU CPI RO CPI

   Banking sector ratios

   The non-performing loans (NPL) rate was 2.8% at the end of Q2 2025, up from 2.53% at the end of Q1 2025 and above the level of 2.49% in Q2 2024. Total assets of the banking system rose to RON 893.98 billion in June 2025, compared to RON 887.02 billion in March 2025, marking a quarterly advance of approximately RON 6.96 billion and an annual increase of approximately RON 60 billion compared to June 2024 (RON 834.56 billion). According to data published by the National Bank of Romania, the banking system recorded a net profit of RON 7.45 billion in Q2 2025, and in Q2 the return on assets (ROA) remained at 1.6%, while the return on equity (ROE) was 16.6%, slightly below the level of 16.7% (ROE) recorded in Q1 2025. The loan/deposit ratio was relatively stable, standing at 65.1% in Q2 2025, compared to 62.9% in Q1. This indicates a slight acceleration in the pace of lending compared to the growth of deposits. The solvency indicator was 24.23% in June 2025, slightly above the level of 24.17% in Q1 2025, but down from 24.90% in Q4 2024.

   Q3 2025 Report 7

   
   
   

   Q3'25 Summary

   Bank	30.09.2025	30.09.2024	Variation
   Net banking income (RON thousand)	183,502	159,326	15%
   Operational expenses (RON thousand)	(126,770)	(120,588)	5%
   Turnover tax (2%)	(8,528)	(5,867)	45.3%
   Net cost of risk (RON thousand)	(13,880)	(5,985)	132%
   Net result (RON thousand)	36,331	27,354	33%
   Cost/income ratio	69.1%	75.7%	-6.6%
   Cost/income ratio (w/o turnover tax of 2%)	64.4%	72.0%	-7.6%
   ROE	10.8%	8.8%	2.0%
   	30.09.2025	31.12.2024	Variation
   Total net loans (thousand RON)	2,764,431	2,365,429	17%
   Total deposits (thousand RON)	3,834,158	3,702,193	4%
   Loans (gross value) / deposits	75.0%	67.0%	8.0%.

   Key figures

   Financial results

   Loans and deposits

   The financial results recorded by Patria Bank at September 30, 2025 show a net profit of RON 36.3 million for the first nine months of the current year, representing an increase of 33% compared to the same period of the previous year. This result is a culmination of multiple initiatives aimed at improving commercial performance, financial position and performance, supported by effective risk management.

   The Bank has proved a solid capacity for adaptation and sustainable growth by implementing an integrated strategy that led to increased profitability and streamlined operational processes. The decrease in the level of non-performing loans (NPL) and the decrease in the cost/income ratio by -6.7

   p.p. compared to September 2024 confirm prudent and efficient financial management, as well as the solidity of the sustainable business model.

   The Bank also had the capacity to absorb additional costs as well as the increase in existing costs (especially the increase in the Turnover Tax starting with July from 2% to 4%), generating additional income and obtaining an increase in profitability ratios (RoA and RoE), together with reporting an increasing Operational result (+46% compared to the same period of 2024).

   The main financial milestones achieved as of September 30, 2025 are presented below:

   • Total assets grew by 10%, supported by the performing loans portfolio expansion (+17% compared with 31.12.2024) and a prudent but profitable investment policy. Diversification and increased funding sources were key factors in expanding the asset base, maximizing profitability compared to June 2024 (RoA 1.0% from 0.9% and RoE 10.8% from 8.8%)

   • Increase in net banking income by 15% in the 9 months of 2025 compared to the same period in 2024, due to the expansion of the loan portfolio and the refocusing towards shorter-term sources, by diversifying products and services and the increase in customer transactional behavior

   • The taxation level reported by the Bank as of September 30, 2025, calculated by considering the combined impact of the corporate income tax and the turnover tax, results in an effective tax rate

     of 29%. This level of taxation is comparable to that of developed Western European countries such as Italy, France, the Netherlands, and Spain.

   • Maintaining an optimal balance sheet structure of the bank, the loan-to-deposit ratio registering a level of 75% compared to 67% at the end of 2024

   • Increase in Loans and advances granted to customers by 16% compared to 2024. Portfolio growth is due to organic expansion which remains a predominant strategic direction

   • Increase in debt investments by 7% compared to 2024 by temporarily placing excess liquidity at competitive yields according to capital market conditions

   • The strategy to reduce non-performing exposures continued in 2025, the non-performing loan (NPL) rate was reduced through rigorous preventive strategies, including the intensification of monitoring activity and the initiation of proactive measures to support customers. The intensification of collection and recovery processes, correlated with write-off operations, contributed to the reduction of the non-performing loan exposure, allowing for a better allocation of capital. Thus, the Non-Performing Exposures (NPE) ratio decreased from 4.71 in September 2024 to 3.5% in September 2025, while the coverage ratio of non-performing loans with impairment reached 57%

   • Maintaining a solid capital base, reflected in the Total Own Funds Ratio of 21.76%, which incorporates the profit recorded by the Bank as of June 30, 2025, as well as the negative impact of the partial buyback operation finalized on 18thFebruary 2025, amounting to RON 6 million, representing the shares held by shareholders who exercised their withdrawal right at the time of the merger between Banca Comercială Carpatica and the former Patria Bank, which led to a 0.24% decrease in the Own Funds Ratio.

   Q3'25 Financial results

   Bank's Financial position as at 30.09.2025 compared with 31.12.2024

   Thousand RON Sep.25/
   ASSETS	30-Sep-25	31-Dec-24	Dec.24 (%)
   Cash and cash equivalents	476,134	524,457	-9%
   Loans and advances to banks	19,094	19,422	-2%
   Securities	1,352,718	1,266,353	7%
   Investment in subsidiaries	42,296	40,296	5%
   Loans and advances to customers, net	2,751,025	2,367,410	16%
   Other assets	273,259	268,220	2%
   Total ASSETS	4,914,526	4,486,158	10%
   LIABILITIES	30-Sep-25	31-Dec-24	Sep.25/ Dec.24
   			(%)
   Due to banks & REPO	348,850	141,453	147%
   Due to customers	3,834,158	3,702,193	4%
   Other liabilities	94,764	88,559	7%
   Subordinated debt	101,239	59,391	70%
   Debt securities in issue	66,143	65,557	1%
   Total Liabilities	4,445,154	4,057,153	10%
   Total Equity	469,372	429,005	9%
   Total LIABILITIES AND EQUITY	4,914,526	4,486,158	10%
   Thousand RON	30-Sep-25	30-Sep-24	Sep.25/ Sep.24
   			(%)
   Gross loans	2,876,094	2,455,328	17%
   Performing loans	2,764,431	2,329,292	19%
   Non-performing loans	111,663	126,036	-11%
   Impairments	(125,069)	(115,640)	8%
   Performing loans provisions	(62,725)	(43,943)	43%
   Non-performing loans provisions	(62,344)	(71,697)	-13%
   Net loans	2,751,025	2,339,688	18%
   Net performing loans	2,701,706	2,285,349	18%
   Net non-performing loans	49,319	54,339	-9%

   Total assets, of RON 4.9 billion, show a balanced increase of 10% compared to the end of 2024, through the development of the portfolio of loans granted to customers and the increase in investments in Government bonds.

   The loan portfolio (gross value) records a solid increase of 16%, RON +395 million, compared to the end of 2024, generated mainly by the expansion of loans granted to companies in the SME, Corporate and Agricultural financing sectors. In structure, an increase of the performing loan gross portfolio by 19%, RON +435 million, is noticed, evolution which led to a decrease in the Non-Performing Exposures (NPE) Rate, which decreased from 4.1% on December 31, 2024 to 3.5% on September 30, 2025.

   Investments in government securities registered an increase by 7% compared to 31.12.2024, contributing to the improvement of the balance sheet structure and the consolidation of interest income.

   Customer liabilities registered an increase by 4%, of RON 132 million compared to December 31, 2024. The Bank aimed to calibrate the cost of funding and manage liquidity at optimal costs, choosing a more selective policy for some high-value deposits with a high cost of funding. This resulted in shifting deposits towards shorter maturity buckets, as well as in lowering the financing cost both in lei and in foreign currencies. The Bank also aims to develop collateral deposits that ensure an optimal cost of funding and lower volatility, an action correlated with lending and trade finance activity.

   Interbank funding shows an increase of RON 207 million, in close correlation with the expansion of assets and the financing diversification strategy in a mix adapted to market conditions from the perspective of duration, currency and funding cost.

   Equity shows an increase of 9% compared to December 31, 2024, mainly arising from the net profit obtained in the first 9 months of 2025. A negative impact in the evolution of equity is coming from the implementation of the partial buyback operation of shares amounting to RON 6,000,000 from shareholders who exercised their withdrawal right at the time of the merger between Banca Comerciala Carpatica and the former Patria Bank.

   At standalone level, the capital adequacy ratio (Total Own Funds Ratio) is 21.47%, above the regulatory limit and also above the level recorded at the end of 2024 (20.32%), mainly due to the increase in Total Own Funds to a greater extent than the risk-weighted assets (development of lending activity). At consolidated level, the capital adequacy ratio (Total Own Funds Ratio) is 21.25%, above the regulatory limit.

   The Total Own Funds Ratio, both at standalone and consolidated level, does not incorporate the profit reported as of 30.06.2025. The Bank also applies the inclusion in the calculation of Own Funds of the temporary treatment provided for in paragraphs (1) and (2) of Article 468 of Regulation (EU) No. 575/2013.

   Financial results (standalone level)

   FINANCIAL PERFORMANCE STATEMENT

   30.09.2025 30.09.2024

   Δ 2025/

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

   Thousand RON			2024 (%)
   Net interest income	125,254	103,426	21%
   Net fees and commission income	28,193	27,760	2%
   Net gains from financial activity & other income	30,055	28,140	7%
   Net banking income	183,502	159,326	15%
   Staff costs	(60,699)	(55,875)	9%
   Depreciation and amortization	(17,075)	(16,093)	6%
   Other operating and administrative expenses, out of which:	(48,996)	(48,620)	1%
   Turnover tax	(8,528)	(5,867)	45%
   Total operating expense	(126,770)	(120,588)	5%
   Operating result	56,732	38,738	46%
   Net impairment of financial assets	(13,880)	(5,985)	132%
   Profit before tax	42,852	32,753	31%
   Income tax expense for the year	(6,521)	(5,399)	21%
   Net profit for the period	36,331	27,354	33%

   Net banking income recorded an increase of 15% compared to the same period of 2024, an evolution mainly supported by the advance of net interest income (+21%), which represented the main growth driver. To a lesser extent, income from financial activity (+7%) and net commission income (+2%) 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.

   Regarding interest income, the Bank presents a significant increase of 16% compared to the same period of the previous year, the evolution being supported preponderantly by income related to the portfolio of loans granted to customers as well as by income obtained from debt securities in which the bank temporarily invested excess liquidity which increase by 19%. Interest income related to the loan portfolio increased significantly, by RON +26.6 million, compared to the same period of last year, as a direct result of the increase in the balance of loans granted to customers.

   Interest expenses increased by 11% compared to the same period in 2024, mainly due to the increase in the commercial funding balance, as well as by the growth of other commercial funding (subordinated debt and deposits from banks).

   Operational expenses recorded an increase of 5% (RON +6.2 million), compared to the same period of the previous year, of which RON 2.7 million represents the increase in turnover tax from 2% to 4%.

   Operational and administrative costs show also an increase, being especially influenced by the development of the Bank's activity. 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 13.9 million in the first 9 months of 2025 compared to RON 6 million in the same period of the previous year, mainly due to the increase of the loan portfolio, as well as as a result of the continued process of decreasing the balance of non-performing loans and implicitly the level of the non-performing loans ratio. Thus, compared to September 2024, the non-performing loans ratio (NPL ratio) decreased from 4.7% to the level of 3.5% recorded in September 2025. The Bank constantly monitors the loan portfolio for adequate credit risk management, taking into account the uncertainties that arise in the market. In the first 9 months of 2025, the Bank carried out write-off operations worth RON 9 million in line with the strategy of reducing the stock of non-performing loans.

   The taxation level reported by the Bank as of September 30, 2025, calculated by considering the combined impact of the corporate income tax and the turnover tax, results in an effective tax rate of 29%. This level of taxation is comparable to that of developed Western European countries such as Italy, France, the Netherlands, and Spain.

   The Bank recorded a positive operational result for the first 9 months of 2025 of RON 56.7 million and a net profit of RON 36.3 million, up by 33% compared to the level recorded in September 2024.

   Q3 2025 Report 13

   The Bank's net result continued the sustained growth recorded in the other two quarters of 2025. After a level of RON 10 million lei in Q1 2025 and RON 15.7 million lei in Q2 2025, the Bank recorded a profit of RON 10.5 million in Q3, surpassing the profit recorded in Q3 2024. This dynamic puts the Bank on a clear upward trajectory and strengthens the prospects for superior results throughout 2025.

   Quarterly net banking income

   RON mn

   Quarterly total operating

   expenses

   RON mn

   41

   40

   40

   41

   42

   43

   43

   Q1'2024 Q2'2024 Q3'2024 Q4'2024 Q1'2025 Q2'2025 Q3'2025

   Q1'2024 Q2'2024 Q3'2024 Q4'2024 Q1'2025 Q2'2025 Q3'2025

   Operating result

   RON mn

   Net result

   RON mn

   8

   Q1'2024 Q2'2024 Q3'2024 Q4'2024 Q1'2025 Q2'2025 Q3'2025

   Q1'2024 Q2'2024 Q3'2024 Q4'2024 Q1'2025 Q2'2025 Q3'2025

   8

Economic financial indicators

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

15. Coverage NPL **

(*) As per standalone FINREP

(**) As per the presentation for the calculation of the systemic risk buffer

The consolidation of the bank's profitability is also reflected in the increase in profitability ratios, ROE and ROA reaching values of 10.8% and 1.0% respectively, above the levels recorded on 31.12.2024 and 30.09.2024.

Operational efficiency - the cost/income ratio at 30.09.2025 incorporates the 2% turnover tax expense, for the period January - June 2025 and the 4% turnover tax expense for the period July - September 2025 applicable to credit institutions starting with 2024, in amount of RON 8.5 million, in the absence of which the cost/income ratio would have been 64%.

Q3'25 Commercial activity

Banking activity for legal entities

In the first 9 months of 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, representing financing for working capital, factoring, and investments, including projects supported by European funds. The Bank emphasized flexibility and personalized advisory services, tailoring processes and products to the specific needs of various types of legal entities, ensuring a high-quality process with an impact at the individual, business and community levels.

In the SME sector, Patria Bank continued to play an active role in financing the real economy, supporting entrepreneurs through flexible lending products and strategic partnerships. The SME loan portfolio reached RON 782 million at the end of September 2025, marking a 16% increase compared to December 2024 and a 29% increase compared to September 2024. The accelerated growth reflects both a positive credit demand trend and a strengthened commercial execution capacity.

The performance is supported by the expansion of the Competitiveness Credit program in partnership with the European Investment Fund, as well as by the development of operational flows dedicated to the SME segment, with improved response times and simplified processes. There has been a solid increase in financing for investments and working capital, focusing on sectors with a high contribution to the economy: commercial real estate, trade, manufacturing, construction and residential.

In the CORPORATE segment, Patria Bank continued to support large companies through complex and structured solutions, tailored to the specific needs of strategic projects. The Corporate portfolio reached RON 546 million at the end of September 2025, up 14% compared to December 2024 and up 14% compared to September 2024, reflecting a consistent acceleration of commercial activity and a strong investment appetite.

The financing focused on sectors such as green energy, real estate, infrastructure, healthcare, tourism, transportation, productive industry, HORECA, technology, and services. The bank offered both long-term investment loans and short-term liquidity products, such as factoring and credit lines, to ensure financial flexibility and expansion capacity.

At the same time, Patria Bank strengthened relationships with corporate companies through consultative approaches and customized financial structures, which allowed the attraction of projects with significant economic impact. The development directions aimed at strengthening presence in the energy and real estate sectors and expanding into emerging industries with high growth potential, positioning the bank as a strategic financial partner for investors and major operators in the economy.

In the AGRO&FOOD sector, Patria Bank financed seasonal working capital, the purchase of equipment, and the modernization of farms, facilitating farmers' access to advanced technology. Financing with European funds continued to be a priority. Additionally, within the agribusiness financing chain, financing for the food industry gained momentum. Despite the impact of soil droughts in previous years and the lack of liquidity in the agricultural sector, the quality of the Agro portfolio remained solid, thanks to the monitoring of the client portfolio and the support measures implemented.

Thus, in the first nine months of 2025, Patria Bank confirmed 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 15.9%. All business lines recorded positive evolutions compared to December 2024, with a positive dynamic of the total loan balance. In the first 9 months of 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.

Oustanding loans balance Legal entities

RON million

30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025

The agricultural segment continued to be one of the priority segments for lending activity. The significantly improved performances in the first nine months of 2025 are, first of all, the result of the consolidation of Patria Bank's commercial team, the focus on increasing profitability of existing clients but also on

attracting new clients, as well as the improvement of internal processes and the renewal of the product portfolio.

Thus, the Agro&Food Department recorded a 42% increase in the loan portfolio in the first nine months of 2025 compared to the end of last year. The demand for financing from Romanian farmers in the period analyzed by the Bank reflects a positive dynamic fueled by the working capital needs of farmers, as well as the growing interest in projects with European funds.

New loan sales

In the first 9 months of 2025, new loan sales in the corporate segment recorded an increase of 20% 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 16% compared to the balance reported at the end of last year and new loan sales had an advance of

+26% in the first 9 months of the year, compared to the same period last year. The implementation of a fast analysis flow contributed to this growth, meeting the clients' requests for

New loans sales legal entities

RON mn

Q1'2024 Q2'2024 Q3'2024 Q4'2024 Q1'2025 Q2'2025 Q3'2025

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 the microfinance area.

In the SME segment, cumulative sales for 9 months 2025 were 15% higher than in the same period of the previous year, reaching RON 374 million, even in the context of a temporary decrease of 30% in Q3 2025 compared to Q3 2024.

In the Corporate area, sales for Q3 2025 were 43% higher than in Q3 2024, and the advance for the first 9 months of the year was 13%. The growth comes mainly from investment projects with longer maturities and from an acceleration in demand for structured products and mixed-purpose credit lines, which confirms the bank's attractiveness for medium and large companies.

In the AGRO&FOOD segment, the Bank continued its strategy to acquire new customers through financing and refinancing of investments, in the medium and long term. This strategy is still being

implemented, with a focus on financing land acquisitions, equipment, irrigation systems and storage spaces. Since, in the Agro segment portfolio, the largest share is represented by the financing of vegetable crops, the Bank's strategy is also to diversify this segment. Regarding the structure of financing demand in the first nine months of 2025, it shows a clear focus on working capital loans, of 70%, used both for the establishment of crops and for the payment of input suppliers. Investment and equipment loans represented 20% of the total and financing for the implementation of projects with European funds represented 10%. Compared to the same period in 2024, the demand for working capital recorded a significant advance. Financing for investments decreased slightly, but there is an increase in the appetite of medium and large farmers for projects implemented with European funds, especially in animal husbandry, in the pig and poultry sectors.

In the SME & CORPORATE segment, the first 9 months of 2025 were marked by the consolidation of the Bank's 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 the investment appetite of companies 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 energy production and efficiency projects were financed. These initiatives contribute to the national energy transition and emission reduction objectives, while strengthening the Bank's positioning 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 the competitiveness of companies and boosting public and private investments. The medium-term strategy remains oriented towards sectors with high growth potential and structural impact on the economy.

Commercial funding (current accounts & term deposits)

Commercial funding recorded an increase of 6.1% compared to December of last year. The increase in collected sources was due to the positive evolution in the SME 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 9 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.

Commercial funding balance -Legal entities

RON mn

1,591 1,599

30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025

Retail Banking activity

In the first 9 months of 2025 the demand for lending products (secured and unsecured) continued the growth trend recorded in 2025 throughout the banking 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 volume of secured and unsecured loans granted by the Bank in the first 9 months of 2025 amounted to RON 165.9 million, reaching the level of RON 80.1 million Q3, up by 66% compared to 31.12.2024 and by 82% compared to the similar period in 2024. Although secured loans still register a reduced value in total lending activity, respectively RON 41.6 million lei in the first 9 months (of which RON 19.7 million lei in Q3), an increasing trend in their sales is observed compared to the similar period in 2024.

New unsecured loan volumes remained predominant in the first 9 months of 2025, with a contribution of RON 165.9 million, or 80% of the total new loan volumes granted in this segment (of which in Q3 loans worth RON 60.3 million were sold). The increase in sales in this segment was 66% compared to the same period of the previous year and 61% compared with 31.12.2024. The Bank estimates an increase in the contribution of secured lending in the coming period, by actively promoting existing products, in RON and EUR, 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 launched the personal loan product without collateral in the amount of up to RON 250,000.

Retail performing loans

RON mn

Secured Unsecured

Retail new loan sales

RON mn

Secured Negarantate

.

30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025

30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025

Regarding term deposits, there is an increase of 3% compared to both December 31, 2024 and the similar 9-month period of 2024, with the mention that the balance of current accounts shows a decrease in value and implicitly a negative variation compared to the two periods analyzed, 31.12.2024 and, respectively, the similar period of last year.

Starting with Q2 2025, the promotion actions for savings products have been intensified, being supported by the campaigns launched for periods of 3, 6, 12 and respectively 13 months, actions that were maintained in Q3.

Commercial funding - Retail clients

RON mn

Term deposits Current accounts

1,779

1,766

1,735

1,772

1,819

312

329

319

317

304

30.09.2024 31.12.2024 31.03.2025 30.06.2025 30.09.2025

Patria de Oriunde

In the first 9 months of 2025 the Bank continued the intense promotion of the online platform "Patria de Oriunde" by broadcasting campaigns for deposits purchased in RON through radio promotion, and for consumer loans without real estate collateral through TV promotion.

In September 2025, a "back to school" campaign was promoted, promoting the credit card, both on the Patria de Oriunde platform and in the territorial units.

Patria Online

The Internet & Mobile Banking platform of Patria Bank has been expanded continuously by adding new functionalities and digital services options for clients, as well as security updates.

+25% increase in number of Patria Online users in 9M 2025 vs. 9M 2024

+15% increase in number of transactions executed via Internet & Mobile Banking platforms in 9M 2025 vs. 9M 2024

Digitalization

Patria Bank continued the process of innovation and digitalization, both in the commercial and operational areas. The main directions include the expansion of lending and products for microenterprises and SMEs, the launch of new digital solutions for corporate clients (Smart API, optimized enrollment flows, Mobile and Internet Banking), as well as the introduction of specialized products such as the "Protection Account" and the optimization of credit and card flows. These projects strengthen the digital experience of customers and support the development of the strategic segments Agro, SME and Corporate.

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 30.09.2025 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 six investment funds managed by the company - Patria Obligatiuni, Patria Global, Patria Stock, Patria Euro Obligatiuni, 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 30.09.2025 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 30.09.2025 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.

Thus, on September 17, 2025, the Bank's share capital was reduced by 40,423,818 shares, from the value of RON 327,881,437.60 lei (divided into 3,278,814,376 shares) to the value of RON 323,839,055.80 (divided into 3,238,390,558 shares).

Directors and Executives

As of 30.09.2025 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*

*pending NBR approval

Q3 2025 Report 23

Activity of s ubsidiaries

Patria Credit IFN

Patria Credit IFN SA is a non-banking financial institution (IFN) that supports the efforts of rural and small urban entrepreneurs, as well as their positive impact on their communities. Specialized in financing farmers, 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 almost 25 years of experience and over 20,000 historically financed clients.

In Q3 2025, the company continued to provide loans tailored to the needs of its main segment, namely microfarms, thus consolidating its role as a dedicated microfinance institution. Its main activity was focused on supporting microfarms and small businesses, significantly contributing to their development. In addition, Patria Credit IFN plays an important social role in stimulating the development of local communities, facilitating access to funding for small entrepreneurs and farmers, which has a direct impact on sustainable economic growth and job creation in rural areas.

Thus, as of September 30, 2025, the portfolio structure was maintained, with a high concentration of loans granted to this segment, respectively 82%. Also, the high share of investment loans was maintained, respectively 80% of the portfolio. Regarding the guarantee structure, 85% of the portfolio is secured with guarantees provided by the European Investment Fund through various guarantee programs (Invest EU, EaSi).

On 30.09.2025, Patria Credit's loan portfolio had a value of RON 217 million, up 17% compared to December 2024. New loan sales recorded an increase of over 156% compared to the similar period of 2024. The net profit recorded on June 30, 2025 was RON 5.2 million.

Patria Credit aims to continue the external and internal digitalization process, as well as to actively engage with the NGO environment and relevant partners in creating new lending models and promoting good practices in sustainable agriculture.

Agriculture and rural development could be boosted this year by continuing the efforts to reduce the "distance" between producers and consumers by launching new and unique product sales platforms and by opening new distribution channels to large retailers.

3,255 active customers as of 30.09.25 RON 217 mn

Loan portfolio as at 30.09.2025

+156%

New loan sales

RON 5.2 mn

Net profit as at 30.09.2025

Q3 2025 Report 24

SAI Patria Asset Management

RON 662 mn

managed assets as at 30.09.2025

+ 20% vs 30.06.2025

35,434

investors in 2

ETFs as at 30.09.2025

RON 1.39 mn

Net profit in the first 9M 2025

SAI Patria Asset Management SA, an investment management company authorized by the ASF, continued to increase its assets under management to RON 662.2 million at the end of September 2025. The value reached at the end of Q3 represents an increase of 31.9% compared to the level of RON 502.1 million recorded at the end of 2024 and 33.5% compared to the level of RON

496.0 million recorded at the end of Q3 2024. The total assets managed by the company recorded an increase of 513.1% in the last three years ended on September 30, 2025.

This dynamic supported also the improvement of financial performance, with the company reporting on September 30, 2025 a net profit of RON 1.39 million, increasing more than two times compared to the net result of RON 0.63 million reported on September 30, 2024.

Patria Asset Management manages the only 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 597.5 million as of 30.09.2025, up 33.5% from the asset level of RON 447.7 million recorded on 31.12.2024. The fund unit yield was +32.76% in the first six nine monthd of 2025 and +25.77% over the last 12 months ended 30.09.2025. The fund registered 30,304 investors as of 30.09.2025,

representing an increase from 28,642 investors on 31.12.2024 (+5.8).

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 33.3 million as of 30.09.2025, up from 23.3 million lei as of 31.12.2024 (+42.9%). The fund unit yield was +35.07% in the first nine months of 2025 and of +30.74% for the last

12 months ended 30.09.2025. The fund registered 5,130 investors as of 30.09.2025, up from 4,328 investors as of 31.12.2024 (+18.5%).

Besides the two ETFs, Patria Asset Management also manages Patria Global and Patria Stock - RON diversified funds , Patria Obligatiuni - a RON fixed-income fund and Patria Euro Obligatiuni - an EUR fixed-income fund. The four 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.

Q3 2025 Report 25

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 Q3 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 30.09.2025 was RON 0,1030/share, an increase of 27.2% compared to, the price as at 30.06.2025 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 Q3 2025 as a percentage of the 500 Euro par value was 98.10% compared to 97.00% at the end of June 2025.

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 Q3 2025 as a percentage of the 500 Euro par value was 95.29% compared to 97.00% at the end of June 2025.

Subsequent events to 30.09.2025

Confirming Bank Agreement s igned with EBRD

Patria Bank announces on 01.10.2025 the signing of a Confirming Bank Agreement with the European Bank for Reconstruction and Development (EBRD), as part of the Trade Facilitation Programme (TFP).

Through this agreement, Patria Bank becomes part of the international network of the TFP, strengthening its capacity to support the development of foreign trade. As a confirming bank, Patria Bank will be able to issue guarantee instruments for clients of EBRD's network banks, which will assume credit risk, thus reinforcing trust between parties. This allows Romanian companies to gain easier access to foreign partners, additional sources of financing, and transactions with a higher level of security.

EIB financing

On 09.10.2025, the Bank announced the securing of new funding from the European Investment Bank (EIB), through which EIB lends Patria Bank an EUR 25 million loan to expand financing for small companies and Mid-Caps with the goal to expand credit to businesses in less-developed regions of Romania.

Thus, a range of Romanian businesses will be eligible for easier financing as a result of the EIB loan granted to Patria Bank SA, following that the funding to be deployed mainly in less-developed regions of Romania, strengthening economic cohesion. A fifth is earmarked for climate action, enabling companies to invest in clean power such as rooftop solar panels and in machinery that consumes less energy or produces fewer emissions of greenhouse gases.

The agreement is the second between the EIB and Patria Bank and tackles one of Romania's main economic challenges: limited access to long-term credit for small businesses.

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.

Significant transactions

During Q3 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 September 30, 2025, the shareholders whose voting rights are suspended under NBR orders held a total of 205,155,348 shares, representing 6.34% 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).

Annexes

1. Primary Standalone and Consolidated Financial Statements as at 30.09.2025:

   • Consolidated and Separate Statement of Profit or Loss

   • Consolidated and Separate Statement of Other Comprehensive Income

   • Consolidated and Separate Statement of Financial Position

   • Consolidated and Separate Statement of Changes in Equity

   • Consolidated and Separate Statement of Cash Flows

   • Explanatory notes to the consolidated and standalone financial statements

     The financial s tatements for the firs t 9 months of 2025 have not been audited/reviewed by the independent financial auditor.

2. Management's Statement regarding the assumption of responsibility for the preparation of the financial statements as at 30.09.2025.

Statement

We, the undersigned, Grigore Valentin Vancea, General Manager and Georgiana Mihaela Stanciulescu, Deputy General Manager, as the legal representatives of PATRIA BANK SA, in accordance with the provisions of art. 30 of the Accounting Law no. 82/1991 republished and of art. 65 para. (1) lit. c) of Law no. 24/2017 regarding the issuers and of art. 223 lit. B para. 1 c) of the ASF Regulation 5/2018 regarding the issuers of financial instruments and market operations, assume the responsibility for the preparation of the primary financial statements as at 30.09.2025 and certify that, to our knowledge:

1. The accounting policies used to prepare the financial statements as at 30.09.2025 are in accordance with the accounting regulations applicable to credit institutions, based on the NBR Order no. 27/2010 for approving the accounting regulations in compliance with the International Financial Reporting Standards adopted by the European Union, with subsequent amendments

2. The interim financial statements as at 30.09.2025 present a fair view of the financial position, financial performance and other information regarding the activity of Patria Bank SA

3. The interim financial statements as of 30.09.2025, which were prepared in accordance with the applicable accounting standards, provide a true and fair view of the assets, liabilities, financial position and profit and loss account of PATRIA BANK SA and its subsidiaries included in the consolidation process of the financial statements, and quarterly report of the Board of Directors presents the information about PATRIA BANK SA in a correct and complete manner.

4. The quarterly report on the aforementioned financial statements includes an accurate analysis of the evolution and performance of the Bank, as well as a description of the main risks and uncertainties specific to the business performed.

General Manager Deputy General Manager

Valentin VANCEA Georgiana STANCIULESCU

Q3 2025 Report 30