Update of investor presentation - H1 2026 Financial results (PBK 20260908185913 PBK Investors Presentation H1 2026 EN)

‌Financial resuI'is

as of 3d June 2d26

0 1 AT A G L A N C E

‌Welcome to the Patria Bank earnings call: H1 2026 financial results

Valentin Vancea

General Manager

Georgiana Stanciulescu

Deputy General Manager, Finance

Razvan Prodea

Deputy General Manager, Risk

Cristian Nae

Deputy General Manager, Commercial

0 1 AT A G L A N C E

‌What we will cover today

01

At a glance

Executive summary, the five-year track record and the foundation of our growth story

02

Macro

Romania and the banking system at 30 June 2026

03

Financial results

Income, quarters, profit bridge, efficiency, margin and jaws, balance sheet, asset quality, funding, capital

04

Commercial

Where growth came from, production, the four lending segments, partners, digital, subsidiaries

05

Shares s bonds

The PBK share, the two subordinated bonds

06

Governance

Shareholders, board and executive management, definitions

IR

Investor relations

Contacts and financial calendar

5-8

9-11

12-21

22-32

33-35

36-39

40

0 1 AT A G L A N C E

‌Important notice

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.

SE C T I O N 0 1

01

‌H1 2026 at a glance

IN THIS SECTION

Executive summary 6

Five-year track record 7

The foundation of our growth story 8

Patria Bank · Investor Relations H1 2026 results · 9 September 2026 5

0 1 AT A G L A N C E

‌A third consecutive year of first-half profit growth

Profit up 5.7% on a balance sheet 17% larger than a year ago; customer deposits funded all of the growth.

P R O F I TA B I L I T Y

+5.7%

net profit growth

H1 2026 against H1 2025

H 1 2 0 2 6 F I N A N C I A L R E SU LTS

P R O F I TA B I L I T Y

RON 27.3 mn

net profit, H1 2026

after RON 8.8 mn of turnover tax, at the 4% rate since 1 July 2025

LOA N S

+12.7%

net performing loans in a year

+7.6% against 31 December

2025

K E Y R AT I O S, 3 0 JU N E 2 0 2 5 A N D 3 0 JU N E 2 0 2 6

E F F I C I E N C Y

62.1%

cost / income excl. turnover tax

64.8% in H1 2025; as reported

68.6% (68.2% in H1 2025)

R AT E S O F R E T U R N 30 JUN 25 30 JUN 26

Return on assets (RoA) 1.11% 1.00% -0.1 pp

Return on equity (RoE) 11.7% 10.7% -1.0 pp

CA P I TA L A N D L I Q U I D I T Y 30 JUN 25 30 JUN 26

Total own funds ratio 21.76% 20.36% -1.4 pp

D E V E LO P M E N T

+9.3%

net banking income growth

H1 2026 against H1 2025

Liquidity coverage ratio (LCR) 141% 139% -2 pp

N O N - P E R F O R M I N G LOA N S 30 JUN 25 30 JUN 26

Non-performing exposures ratio 3.45% 3.93% +0.5 pp

Provisioning coverage ratio 57.3% 56.5% -0.8 pp

Ratios on the standalone unaudited figures; non-performing exposures and coverage on the EBA definition (coverage on the systemic risk buffer presentation).

D E V E LO P M E N T

RON 884 mn

new loans granted in H1 2026

+2.9% against H1 2025

Patria Bank · Investor Relations H1 2026 results · 9 September 2026 6

0 1 AT A G L A N C E

‌Building scale, growing earnings

Assets expansion by 8.8% annually and net profit increased more than five times since 2021.

TOTAL ASSETS, RON MN NET RESULT, RON MN: FINANCIAL YEARS AND FIRST HALVES

CAGR +52%

50.2

+51% H1 24 to H1 26

32.7

9.5

20.2

23.2

18.1

25.8

27.3

CAGR 2021 to Jun-26 +8.8%

5,589

3,826

4,157

4,033

4,486

5,300

2021

2022

2023

2024

2025

Jun-26

2021

2022

2023

2024

2025

H1 24

H1 25

First halves

H1 26

GROSS LOANS, RON MN CUSTOMER FUNDING, RON MN (CURRENT ACCOUNTS AND TERM DEPOSITS)

CAGR 2021 to Jun-26 +8.8%

3,132

2,148

2,339

2,167

2,471

2,904

CAGR 2021 to Jun-26 +6.8%

4,449

3,309

3,444

3,122

3,686

4,098

2021

2022

2023

2024

2025

Jun-26

2021

2022

2023

2024

2025

Jun-26

2021-2025 as presented in April 2026 (IFRS standalone). Jun-26 is the 30 June 2026 position; gross loans per the interim balance sheet, 0.3% above the management basis at December 2025. CAGR: 2021 to Jun-26; net result to 2025.

0 1 AT A G L A N C E

‌The foundation of our growth story

Why Patria Bank: a growing, self-funded and well-capitalised bank in segments it knows, trading at around book value.

x5

A profit growth track record

Net result up from RON 9.5 mn in 2021 to RON 50.2 mn in 2025, and a third consecutive year of first-half growth in 2026. Return on equity 10.7%, 14.2% excluding the turnover tax.

20.36%

Capital headroom and IFI partners

4.6 pp above the overall capital requirement, before the RON 25.4 mn gross gain on the SAI disposal booked in H2. Tier 2 and long-term funding from EIB, IFC, EFSE

and the EIF.

+13%

Focused on segments where the Bank has an edge

Loans to companies up 13% in a year, led by Corporate (+25%) and Agro & Food (+30%); micro and SME lending backed by EIF, FNGCIMM and FGCR guarantees.

62.1%

Operating leverage

Cost / income excluding the turnover tax down from 73.7% in H1 2024 to 62.1%; revenues grew faster than costs in 2025 (+12.9 pp of jaws) and again in H1 2026 (+4.5 pp); net interest margin above Peer Group II since 2024.

70%

Self-funded growth

Customer deposits of RON 4.46 bn fund the whole loan book; liquidity coverage 139%, net stable funding

162%, interbank funding down a quarter in six months.

0.96x

Valued at book

Market capitalisation RON 507 mn at 7 September 2026, 0.96x standalone equity and 9.8x the net profit of the

last twelve months; the share is up 40% year to date.

Valuation computed from the closing price and the reported standalone figures: market capitalisation over total equity at 30 June 2026 (RON 525 mn) and over the net profit of the twelve months to 30 June 2026 (RON 51.7 mn). At the 30 June close of RON 0.1325: 0.82x book and 8.3x earnings.

SE C T I O N 0 2

02

‌Romania and the banking system

IN THIS SECTION

Romania: an economy still short of growth, with inflation starting to ease 10

A profitable, well-capitalised system; Patria Bank grew faster than the market 11

Patria Bank · Investor Relations H1 2026 results · 9 September 2026 9

0 2 M AC R O

‌Romania: an economy still short of growth, with inflation starting to ease

Weak activity, double-digit inflation until June and a narrowing deficit: the backdrop of the first half.

REAL GDP GROWTH, % (2026: FORECAST)

CONSUMER PRICE INFLATION, % YEAR ON YEAR (DEC-26: NATIONAL BANK OF ROMANIA PROJECTION)

-5.7

16

5.7 5.3

4.1

2.6

2.1

0.4

2020

2021

2022

2023

0.8 0.4

2024

0.7 1.0

2025

0.0 0.8

2026F

-3.7

12

8

3.5

4

8.4

14.2 14.7

10.3

6.6

5.7 5.5 5.5 5.7

9.7 9.9

10.4

Romania

6.1 projection European Union

Romania European Union

0

Jun-21 Jun-22 Jun-23 Jun-24 May-25 Dec-25 Dec-26F

GROWTH

GDP was flat in the second quarter against the first and 0.4%

lower than a year earlier on unadjusted data. Over the first half, output was 0.8% below H1 2025: an economy still struggling to return to growth.

INFLATION

Annual inflation stood at 10.4% in June and fell to 8.2% in July, its lowest reading in twelve months, helped by a favourable base

effect. The National Bank projects 6.1% for December 2026 and 3.4% for December 2027 (August report, revised up from 5.5% and 2.9%).

PUBLIC FINANCES

The budget deficit narrowed to RON 41.0 bn in H1 2026, 2.0% of GDP, from 3.64% a year earlier, with revenues up 10.3% and expenditure up 0.8%. Public debt stood at 59.3% of GDP at the end of 2025.

0 2 M AC R O

‌A profitable, well-capitalised system; Patria Bank grew faster than the market

Patria Bank against the aggregate of the 29 credit institutions, at 30 June 2026.

SYSTEM NET ASSETS, 30 JUNE 2026

RON 981 bn

+2.4% in six months

CREDIT INSTITUTIONS

29

29 at the end of 2025

PATRIA BANK TOTAL ASSETS

RON 5.59 bn

+5.5% in six months

SYSTEM NPE RATIO

2.89%

from 2.69% at the end of 2025

System: National Bank of Romania aggregate indicators for credit institutions. Patria Bank's non-performing exposures ratio is the standalone FINREP figure on the EBA definition, like the system's.

Profitability moderated from the 2025 levels but remains high: return on

assets 1.50% and return on equity 15.46%, against 1.68% and 17.63% for 2025 as a whole.

Asset quality the system's non-performing exposures ratio rose to 2.89%; Patria Bank's higher ratio reflects its SME, micro and agricultural mix, with coverage of 56.5%.

Solvency of 23.60% and a loan-to-deposit ratio of 69.1% keep the system far above regulatory minima. Patria Bank's total assets grew more than twice as fast as the system's in the half, and its gross loans one and a half times as fast as the system's non-government credit: +13.0% against +8.4% year on year.

0 3 F I N A N C I A L R E SU LTS

‌Net banking income up 9.3%; net profit up 5.7%

Broad-based revenue growth offset higher turnover tax and risk costs, supporting resilient profitability growth.

135

RON mn

NET BANKING INCOME BY SOURCE, H1 2026

Net interest income 61%

RON 82.5 mn, +0.9%

Net fees and commission income 16%

RON 21.9 mn, +18.3%

Financial activity and other income 23%

RON 30.5 mn, +31.5%

Operating result 42.3 39.2 +7.8%

Net profit for the period 27.3 25.8 +5.7%

Financial activity and other income includes a net gain of RON 9.4 mn on assets held for sale (H1 2025: RON 0.5 mn). Changes on expense lines are computed on magnitudes: a positive change is a higher cost.

NET INTEREST INCOME

RON 82.5 mn

+0.9% interest income +10.9%, interest expense +21.6%

COST OF RISK, ANNUALISED

0.75%

H1 2025 0.73% of average net loans

EFFECTIVE TAX RATE

32.1%

H1 2025 24.8% incl. turnover tax

0 3 F I N A N C I A L R E SU LTS

‌Record quarterly net banking income of RON 73.0 million supported the strongest profit generation of the last six quarters

Demonstrating the Bank's growing earnings capacity despite a more challenging tax environment.

NET BANKING INCOME AND NET PROFIT BY QUARTER, RON MN

73.0 RON mn

73.0

66.7

68.0

61.9

56.8

60.1

15.7

16.0

10.1

10.6

13.9

11.3

Q1 2025

Q2 2025

Q3 2025

Q4 2025

Q1 2026

Q2 2026

NET BANKING INCOME, Q2 2026

+9.5% vs Q2 2025

23.6 RON mn

OPERATING RESULT, Q2 2026

-2.2% vs Q2 2025, after the doubled tax

16.0 RON mn

NET PROFIT, Q2 2026

+1.7% vs Q2 2025 +42% vs Q1 2026

Net banking income Net profit

The 4% turnover tax applies from 1 July 2025, so it is in every quarter from Q3 2025, Q1 2026 included; the quarters to Q2 2025 carried 2%.

0 3 F I N A N C I A L R E SU LTS

‌Diversified revenue growth more than offset the doubled turnover tax and higher risk costs

Every income line contributed; the tax change is the single largest negative item.

NET PROFIT, H1 2025 TO H1 2026, RON MILLION. BLUE ADDS TO PROFIT, RED REDUCES IT; THE LIGHTER RED IS THE TURNOVER TAX WITHIN OPERATING EXPENSES.

+11.5

turnover tax -4.5

25.8

+0.1

27.3

-8.4

-1.7

Net profit H1 2025

Net banking income

Operating expenses

Cost of risk

Income tax

Net profit H1 2026

WHAT ADDED

Net fee and commission income RON 3.4 mn higher on transaction volumes; financial activity and other income RON 7.3 mn higher, including the gain on assets held for sale.

WHAT TOOK AWAY

The turnover tax rose to RON 8.8 mn from RON 4.2 mn with the rate doubled to 4% from 1 July 2025. Staff costs up 6.5%;

impairment RON 1.7 mn higher on a larger book.

NET EFFECT

Net profit of RON 27.3 mn, +5.7% on H1 2025. Without the RON

4.5 mn increase in the turnover tax, which is not deductible, profit would have grown by about 23%.

0 3 F I N A N C I A L R E SU LTS

‌Cost / income improved to 62.1% once the doubled turnover tax is set aside

Underlying efficiency keeps improving: the ratio has fallen 2.7 pp in a year and 11.6 pp in two.

COST / INCOME RATIO, THREE FIRST HALVES RETURN ON EQUITY, THREE FIRST HALVES

77.0% 73.7%

18%

68.2%

64.8%

68.6%

62.1%

12%

10.7%

13.6% 14.2%

11.7%

8.9%

6%

10.7%

H1 2024

H1 2025

H1 2026

0%

H1 2024 H1 2025 H1 2026

As reported Excluding turnover tax As reported Excluding turnover tax

TURNOVER TAX, H 1 2026 (4% RATE SINCE 1 JULY 2025)

RON 8.8 mn

from RON 4.2 mn in H1 2025

OPERATING EXPENSES EXCL. TURNOVER TAX

+4.8%

against income +9.3%: operating jaws +4.5 pp

COST / INCOME, AS REPORTED

68.6%

+0.4 pp vs H1 2025; the gap is entirely the tax

The turnover tax is not deductible for corporate income tax, so the restated return on equity adds it back gross; denominators are as reported. As reported, costs grew 10.0% against income 9.3%; excluding the tax, costs grew 4.8% and jaws turned positive.

0 3 F I N A N C I A L R E SU LTS

‌Growth through discipline: stronger revenues, controlled costs, superior margins

Revenue growth outpaced the increase in operating expenses associated with balance sheet expansion, while net interest margin remains above Peer Group II.

NET INTEREST MARGIN, % OF AVERAGE EARNING ASSETS

4.5%

NET REVENUES AND OPERATING EXPENSES EXCL. TURNOVER TAX, RON MN: FINANCIAL YEARS AND FIRST HALVES

4.0%

3.5%

3.0%

2.5%

2.0%

3.04%

3.67% 3.68%

3.49%

3.38%

3.14%

3.64%

3.18%

3.31%

3.17%

3.08% 3.10%

2021

2022

2023

2024

251

194

197

213

164

127

139

142

154

162

135

105

123

77

80

84

2025

H1 24

H1 25

H1 26

2021 2022 2023 2024 2025 Mar-26

Patria Bank Peer Group II

Net revenues Operating expenses excl. turnover tax

First halves

NET INTEREST MARGIN, Q 1 2026

3.18%

Peer Group II 3.10%; 3.68% against 3.08% at December 2025

OPERATING JAWS, 2025

+12.9 pp

revenues +17.8%, costs +5.0%; earlier years: 2022 +9.0, 2023

-1.1, 2024 +0.0 pp

OPERATING JAWS, H 1 2026

+4.5 pp

income +9.3%, costs excluding the turnover tax +4.8%; H1 2025

+14.3 pp

Net interest margin computed on all earning assets; jaws = revenue growth less cost growth.

0 3 F I N A N C I A L R E SU LTS

‌Sustainable balance sheet growth, supported by customer deposits, solid capitalisation and a robust liquidity profile

Total assets 5,589 5,300 +5.5% 4,793 +16.6%

Total liabilities 5,063 4,810 +5.3% 4,340 +16.7%

Total equity 525 490 +7.3% 453 +16.0%

Liquid assets: cash, balances with banks and debt securities. NPL coverage on the systemic risk buffer presentation.

0 3 F I N A N C I A L R E SU LTS

‌Asset quality came off its first-quarter peak: NPE 3.93%, coverage back to 56.5%

Gross loans up 7.5% in six months; the non-performing book is fully covered by allowances and collateral.

30 JUN 26

RON MILLION

31 DEC 25

YTD

30 JUN 25

YOY

Gross loans 3,132 2,914 +7.5% 2,772 +13.0%

NON-PERFORMING EXPOSURES RATIO

NPL COVERAGE RATIO

3.45%

3.56%

3.93%

4.38%

57.3%

56.3%

52.7%

56.5%

Net loans 3,001 2,787 +7.7% 2,653 +13.1%

Allowances are shown as negative amounts; changes on allowance lines are on magnitudes. NPE ratio on the standalone FINREP basis; coverage on the systemic risk buffer presentation.

Jun-25 Dec-25 Mar-26 Jun-26

COST OF RISK, ANNUALISED

0.75%

of average net loans; H1 2025: 0.73%

Jun-25 Dec-25 Mar-26 Jun-26

NET NON-PERFORMING LOANS

RON 64.3 mn

+12.7% ytd

Recovery and collection activity brought the NPE ratio down from 4.38% at the end of March. The increase in impairment reflects the growth of the portfolio and the adjustment of vulnerable exposures to the macroeconomic environment, rather than a marked deterioration in credit

quality.

0 3 F I N A N C I A L R E SU LTS

‌Deposits up 8.8% in six months; interbank funding down 25%

Customer deposits covered the whole of the balance sheet expansion; the loan-to-deposit ratio eased to 70%.

CUSTOMER FUNDING BY SEGMENT, RON MN (CURRENT ACCOUNTS AND TERM DEPOSITS)

LIQUIDITY COVERAGE AND NET STABLE FUNDING RATIOS, QUARTER-ENDS

180%

3,653

3,776

3,818

4,097

4,108

1,599

1,687

1,695

1,885

1,884

2,203

2,054

2,089

2,123

2,212

2,224

2,246

4,449

160%

140%

156% 157%

151%

163% 162%

NSFR

LCR

139%

120%

100%

134%

136%

Minimum 100%

Mar-25

Jun-25

Sep-25

Dec-25

Mar-26

Jun-26

80%

30-Sep-25 31-Dec-25 31-Mar-26 30-Jun-26

Individuals Companies

CUSTOMER DEPOSITS

RON 4.46 bn

+8.8% ytd +17.3% yoy

GROSS LOANS / CUSTOMER DEPOSITS

70.2%

-0.9 pp ytd

LIQUID ASSETS / TOTAL ASSETS

40.8%

41.9% at 31 December 2025

DUE TO BANKS AND REPO

RON 339 mn

-25.1% ytd

COMPANIES FUNDING

RON 2,203 mn

+17% ytd

RETAIL FUNDING

RON 2,246 mn

+1.5% ytd term deposits +7.6% yoy

CURRENT ACCOUNTS, ALL CUSTOMERS

RON 682 mn

+6.7% ytd +17.7% yoy

CURRENT ACCOUNTS, COMPANIES

RON 343 mn

+8.7% ytd

+31% yoy; retail RON 338 mn, +4.8% ytd

0 3 F I N A N C I A L R E SU LTS

‌Total own funds ratio 20.36%, 4.6 pp above the 15.78% requirement

Capital kept pace with a loan book growing at double-digit rates; the SAI gain adds to own funds in H2.

TOTAL OWN FUNDS RATIO, FIVE REPORTING DATES (INCLUDING THE PROFIT OF THE PERIOD)

21.76%

21.47%

22.27%

20.39%

20.36%

overall capital requirement 15.78%

30-Jun-25

30-Sep-25

31-Dec-25

31-Mar-26

30-Jun-26

Dashed reference: overall capital requirement of 15.78% at Q2 2026 (16.52% applied to H1 2025). Buffers: capital conservation 2.5%, countercyclical 1.0%. Leverage ratio minimum 3%.

WHY THE RATIO MOVED

The expansion of lending activity resulted in a faster increase in risk exposure than in own funds during H1 2026. Capital generation remains supported by profitability, while the disposal of SAI Patria Asset Management, completed on 5 August 2026, which generated a gain of RON 25.4 mn, provides additional flexibility to support future balance sheet growth and business development.

TIER 2 INSTRUMENTS

Subordinated bonds PBK27E (EUR 5.0 mn, maturing 20 September 2027) and PBK28E (EUR 8.2 mn, maturing 5 October 2028), listed on the BVB; subordinated loans from EFSE (EUR 7 mn and EUR 8 mn) and from the EIF (EUR 5 mn).

SE C T I O N 0 4

04

‌Commercial developments

IN THIS SECTION

Where the growth came from 23

New loan production 24

Loan book trend 25

SME & Corporate 26

Agro & Food 27

Micro 28

Retail 29

Partners and guarantee programmes 30

Digital 31

PSautbrisaiBdaianrkie· sInvestor Relations 32

H1 2026 results · 9 September 2026 22

0 4 C O M M E R C I A L

‌Balanced portfolio structure underpins above-market loan growth

Performing loans increased by RON 316 million (+12% YoY), with growth generated across multiple business lines; SME & Corporate account for about half of the book, Agro & Food, Micro and Retail for the other half.

2,981

RON mn

PERFORMING LOANS BY BUSINESS LINE, RON MN: 31 DECEMBER 2024, 31 DECEMBER 2025 AND 30 JUNE 2026

THE BOOK AT 30 JUNE 2026

1,154

523

532

573

584

405

381

420

434

303

1,384

1,440

SME & Corporate

Agro & Food

Micro

Retail

SME & Corporate added RON 151 mn in a year and Agro & Food

RON 122 mn, together 86% of the growth. Retail added RON 48 mn on unsecured lending, while Micro production recovered in Q2.

Since December 2024 the book has grown RON 611 mn (+26%): Agro & Food +73%, SME & Corporate +25%, Micro +14%, Retail

+10%.

31 Dec 2024 31 Dec 2025 30 Jun 2026

The accounting performing book at 30 June 2026 is RON 2,991 mn.

0 4 C O M M E R C I A L

‌Commercial momentum accelerated sharply in Q2, delivering record origination volumes

New lending to companies reached a record RON 466 million in Q2 2026, driving H1 production above the prior year despite a softer start to the year.

NEW LOANS TO COMPANIES BY QUARTER, RON MN NEW RETAIL LOANS BY QUARTER, RON MN

80

80

61

67

77

58

466

408

345

330

324

312

261

263

280

209

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

Q2 26

Q 2 2026, COMPANIES

RON 466 mn

+44% vs Q2 2025 +67% vs Q1

H 1 2026, ALL CLIENTS

RON 884 mn

+2.9% vs H1 2025; retail RON 138 mn, +8.5%

Q1 24

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

Q2 26

H1 2024: 524 H1 2025: 732 H1 2026: 746

0 4 C O M M E R C I A L

‌Loans to companies have grown at 19% a year since December 2024

Six consecutive quarters of growth in the companies book; retail growth concentrated in unsecured lending.

PERFORMING LOANS TO COMPANIES, RON MN, QUARTER-ENDS; 31 DECEMBER 2024 AND 30 JUNE 2026 BY BUSINESS LINE

PERFORMING RETAIL LOANS, RON MN

2,397

Mar-25

Jun-25

Sep-25

Dec-25

Mar-26

Jun-26

2,129

2,201

2,209

2,224

1,993

1,838

1,993

2,129

2,201

2,209

2,224

Secured Unsecured

COMPANIES, 30 JUNE 2026

RON 2,397 mn

+12.6% yoy +8.5% ytd

RETAIL, 30 JUNE 2026

RON 584 mn

+9.1% yoy; unsecured +3.2% ytd

Dec-24

Mar-25

Jun-25

Sep-25

Dec-25

Mar-26

Jun-26

Corporate SME Agro & Food Micro Companies, total

The quarter-ends between are shown as totals. Commercial division perimeter, commercial workbook series.

0 4 C O M M E R C I A L

‌SME s Corporate: Corporate lending up 25%; new loans at a record in Q2

Half of the Bank's book: RON 1,440 mn of performing loans, up 12% in a year, driven by Corporate.

SME s Corporate

Companies with turnover above EUR 1 mn (SME) and EUR 5 mn (Corporate)

PERFORMING LOANS, 30 JUNE 2026

RON 1,440 mn

+11.7% yoy +4.0% ytd

NEW LOANS, H 1 2026

RON 407 mn

Q2 +77% vs Q2 2025

CORPORATE PORTFOLIO

RON 663 mn

+25.4% yoy +8.5% ytd

COMPANIES' FUNDING, 30 JUNE 2026

RON 2,203 mn

+16.8% ytd current accounts and term deposits

PERFORMING LOANS, RON MN

1,289

1,384

1,440

NEW LOANS BY QUARTER, RON MN

DISTRIBUTION CHANNEL

Direct and branch channel; competitive offers and quality of relationship

271

293

166

179

114

71

COMPETITIVE EDGE

Experienced sales managers

Flexible financing structures

IN THE FIRST HALF

Corporate grew 25% in a year on accelerated commercial activity and structured solutions for larger companies.

Financing went primarily to green energy, real estate, infrastructure, transport, HORECA, technology and services; SME lending backed by the EIF Competitiveness programme and FNGCIMM guarantees.

Q2 2026 was the best quarter of the series, RON 293 mn of new loans, more than doubling the Q1 2026 volume.

30 Jun 2025

31 Dec 2025

30 Jun 2026

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

Q2 26

0 4 C O M M E R C I A L

‌Agro s Food: the fastest-growing book, up 30% in a year, building scale in two strategic sectors

RON 523 mn of performing loans, up 30% in a year.

Agro s Food

Large farms (over 500 ha) and, since 2024, the food industry

PERFORMING LOANS, 30 JUNE 2026

RON 523 mn

+30.4% yoy +29.4% ytd

NEW LOANS, H 1 2026

RON 225 mn

Q2 +14% vs Q2 2025

FOOD INDUSTRY SHARE OF THE BOOK

40%

food-industry lending +67% yoy

PERFORMING LOANS, RON MN

401

405

523

NEW LOANS BY QUARTER, RON MN

DISTRIBUTION CHANNEL

Specialised sales and underwriting teams; network covering the whole country

116

109

96

69

66

71

COMPETITIVE EDGE

Dedicated products for farmers

Customised offers for client needs

IN THE FIRST HALF

Agro s Food grew 30% in a year to RON 523 mn, the highest growth rate among the commercial segments.

Seasonal working capital, equipment and farm modernisation were financed, with APIA partnerships for subsidy-backed lending.

The food industry, added in 2024, is now 40% of the book; food-industry lending grew 67% in a year.

30 Jun 2025

31 Dec 2025

30 Jun 2026

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

Q2 26

0 4 C O M M E R C I A L

‌Micro: resilient portfolio and stronger origination momentum in Q2

RON 434 mn of performing loans; improving origination trend and expanding distribution capabilities.

Micro

Companies with turnover up to EUR 1 mn and small farms under 500 ha: commerce, HORECA, services, agriculture

PERFORMING LOANS, 30 JUNE 2026

RON 434 mn

-1.1% yoy +3.2% ytd

NEW LOANS, H 1 2026

RON 114 mn

Q2 +3% vs Q2 2025

SHARE OF THE PERFORMING BOOK

15%

RON 434 mn of RON 2,981 mn

PERFORMING LOANS, RON MN

NEW LOANS BY QUARTER, RON MN

DISTRIBUTION CHANNEL

Own network and lead-generation partners (about a quarter of new lending)

439

420

434

COMPETITIVE EDGE

68

62

67

67

64

50

Dedicated microfinance team in sales and credit risk

Good geographic coverage

IN THE FIRST HALF

Production rose to RON 64 mn in Q2 2026, +28% on the first quarter.

Fast products for working capital, factoring and investment, including EU-funded projects, with a fast-track analysis flow.

Online onboarding of micro clients through Patria de Oriunde was launched, widening the reach beyond the branch network.

30 Jun 2025

31 Dec 2025

30 Jun 2026

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

Q2 26

0 4 C O M M E R C I A L

‌Retail: stronger production momentum and stable customer funding

Performing loans increased by 9% year-on-year to RON 584 mn, while a diversified retail deposit base of RON 2.25 bn continues to provide a stable source of funding for the Bank's growth.

Retail

Employees and retirees in medium and large cities

PERFORMING LOANS, 30 JUNE 2026

RON 584 mn

+9.0% yoy +2.0% ytd

NEW LOANS, H 1 2026

RON 138 mn

Q2 +19% vs Q2 2025

SECURED LENDING, H 1 2026

RON 29.0 mn

+31.9% yoy; unsecured RON 109.3 mn

PERFORMING LOANS, RON MN

NEW RETAIL LOANS BY QUARTER, RON MN

DISTRIBUTION CHANNEL

Own network, broker and lead-provider channels; online onboarding and digital lending

536

573

584

Q1 25

Q2 25

80

Q3 25

77

Q4 25

Q1 26

80

Q2 26

COMPETITIVE EDGE

61

67

58

60

58

61

51

55

48

10

12

20

19

10

19

Sticky customer base

Evenly distributed deposit base

IN THE FIRST HALF

Unsecured lending is 79% of new retail volume; the personal loan ceiling stands at RON 250,000. Insurance is attached to 85% of new loans.

Secured lending was promoted with the EUR housing loan carrying a fixed rate for the first five years.

Digital channels Patria Online users and transactions each up 17%; onboarding and lending fully online through Patria de Oriunde.

30 Jun 2025

31 Dec 2025

30 Jun 2026

Secured Unsecured

0 4 C O M M E R C I A L

‌International financial institutions behind the growth of the book

Senior facilities from the EIB and the IFC, subordinated loans from EFSE and the EIF, four guarantee partners behind SME, micro and agro lending.

European Investment Bank EUR 50 million facility approved in 2024 for SME and mid-cap

investment, with a partial allocation to

climate projects. Two tranches of

EUR 12.5 million drawn, in December 2024 and October 2025.

International Finance Corporation

GUARANTEE PROGRAMMES

European Investment Fund

InvestEU guarantee programme

FNGCIMM

National guarantee fund for SMEs

FGCR

Rural credit guarantee fund

Investment and Development Bank

NEW partner since H1 2026

Guarantees widen access to finance for entrepreneurs and lower the risk weight of the guaranteed exposure.

EUR 20 million financing received in December 2022, supporting the Bank's strategy of financing Romanian entrepreneurs and small

businesses, including women-owned SMEs.

European Fund for South-East Europe

Subordinated loans of EUR 7 million (November 2022) and EUR 8 million (June 2025), supporting long-term financing for micro, small and medium-sized enterprises.

European Investment Fund

EUR 5 million subordinated loan

received in Q2 2023, strengthening the capital position and improving access to finance for small entrepreneurs in rural and small urban areas.

SENIOR FACILITIES FROM IFIS

EUR 70 mn

EIB EUR 50 mn approved, EUR 25 mn drawn; IFC EUR 20 mn

SUBORDINATED LOANS, TIER 2

EUR 20 mn

EFSE EUR 15 mn in two loans; EIF EUR 5 mn

GUARANTEE PROGRAMMES

4

EIF InvestEU, FNGCIMM, FGCR; BID joined in 2026

0 4 C O M M E R C I A L

‌Digital: online clients up 16% a year; mobile banking for companies launched

Digital channels carry a growing share of sales and service, for individuals and, since this year, for companies.

Patria de Oriunde: fully online onboarding and lending for

individuals, now also onboarding of micro clients; promoted through radio and TV campaigns for RON deposits and unsecured loans.

INTERNET AND MOBILE BANKING CLIENTS, YEAR-ENDS

CAGR +16.2%

34,494

30,582

26,163

22,626

18,901

LAUNCHED IN THE FIRST HALF OF 2026

Mobile banking for companies

launched for corporate clients in H1 2026

Smart API

account and payment integration for business clients

2021

2022

2023

2024

2025

Optimised onboarding flows

for legal entities, including online onboarding of micro clients

PATRIA ONLINE USERS

+17%

H1 2026 vs H1 2025

INTERNET AND MOBILE

BANKING TRANSACTIONS

+17%

H1 2026 vs H1 2025

MOBILE BANKING FOR COMPANIES

NEW

H1 2026

launched for SME and corporate clients; micro onboarding fully online

Safeguarding Account

new product launched in H1 2026

0 4 C O M M E R C I A L

‌Subsidiaries: Patria Credit grows; the SAI disposal closed after the period

The microfinance subsidiary grows with the Bank.

Patria Credit IFN, rural microfinance

LOAN PORTFOLIO NET PROFIT, H 1 2026

RON 242 mn RON 4.6 mn

+11% since December new sales +7% yoy

ACTIVE CLIENTS

3,267

30 years of activity, about 20,000 clients served

EIF-GUARANTEED

84%

83% micro-farms; 77% investment loans

A EUR 1.8 mn grant from the Council of Europe Development Bank (Seeds of Change)

supports the social impact programme in rural communities.

SAI Patria Asset Management

ASSETS UNDER MANAGEMENT, 30 JUNE

RON 1.53 bn

+78% since December

NET PROFIT, H 1 2026

RON 2.68 mn

from RON 0.83 mn in H1 2025

DISPOSAL COMPLETED AFTER THE REPORTING DATE

The 99.9944% stake was sold to BRD Asset Management: sale agreement of 9 March

2026, ASF approval on 22 July 2026, closing on 5 August 2026 at the agreed base price, not adjusted. Impact in P&L of RON 25.4 mn in 2026.

The two ETFs managed by SAI Patria had 57,212 investors at 30 June 2026. From the closing date the asset management activity is no longer part of the Group.

THE DISPOSAL OF SAI PATRIA ASSET MANAGEMENT, STEP BY STEP

9 March 2026

Sale agreement signed with BRD Asset Management

22 July 2026

Approval of the Financial Supervisory Authority

5 August 2026

Closing: the 99.9944% stake transferred at the agreed price

Second half of 2026

Impact in P&L of about RON 25.4 mn

SE C T I O N 0 5

05

‌Shares and bonds

IN THIS SECTION

PBK shares 34

PBK27E and PBK28E bonds 35

Patria Bank · Investor Relations H1 2026 results · 9 September 2026 33

0 5 SH A R E S s B O N D S

‌PBK: +18% in H1, +40% year to date; market capitalisation RON 507 mn

The share reached a 52-week high after the SAI closing in early August, on volumes about 3.5 times the daily average.

PBK SHARE PRICE AND BET INDEX, CLOSES REBASED TO 30 JUNE 2025 = 100, TO 7 SEPTEMBER 2026

200

190

180

170

160

150

140

130

2026

RON 0.1325

CLOSE, 30 JUNE 2026

+18.3% ytd BET +32.9%

RON 0.1565

CLOSE, 7 SEPTEMBER 2026

+39.7% ytd BET +41.0%

120

110

100

90

80

+64% in

RON 507 mn

MARKET CAPITALISATION, 7 SEPTEMBER 2026

RON 429 mn at 30 June

Jul-25 Aug Sep Oct Nov Dec Jan-26 Feb Mar Apr May Jun Jul-26 Aug Sep

PBK BET PBK growth path

Ordinary shares on the BVB regulated market, Premium category, ticker PBK, ISIN ROBACRACNOR6. 3,238,390,558 shares of RON

0.10 nominal value; share capital RON 323,839,055.80. Majority shareholder EEAF Financial Services B.V. (85.10%).

0.96x book, 9.8x 12-month earnings

80.2 mn shares

TRADED IN H1 2026

RON 10.4 mn in 4,210 trades; high 0.1470 (14 May 2026),

low 0.1130

0 5 SH A R E S s B O N D S

‌Two subordinated bond issues in EUR, both listed on the BVB regulated market

EUR 13.2 mn of listed Tier 2 capital at a fixed 6.50% coupon; with the subordinated loans from EFSE and the EIF they form the Bank's Tier 2 layer, within a total own funds ratio of 20.36% at 30 June 2026.

PBK27E

SUBORDINATED BONDS, TIER 2 · EUR

Issue date

20 September 2019

Nominal amount

EUR 5.0 million

Coupon

6.50% p.a., fixed

Maturity

20 September 2027

Close, 30 June 2026

98.25% of face value

Days traded in H1 2026

71 of 121

PBK27E: CLOSING PRICE, % OF FACE VALUE, TRADING DAYS 2025-06 TO 2026-09

102

100

98

96

94

Jul-25

PBK27E

Oct-25

Jan-26

Apr-26

Jul-26

PBK28E

SUBORDINATED BONDS, TIER 2 · EUR

Issue date

5 October 2020

Nominal amount

EUR 8.2 million

Coupon

6.50% p.a., fixed

Maturity

5 October 2028

Close, 30 June 2026

98.89% of face value

Days traded in H1 2026

76 of 121

PBK28E: CLOSING PRICE, % OF FACE VALUE, TRADING DAYS 2025-07 TO 2026-09

102

100

98

96

94

Jul-25

PBK28E

Oct-25

Jan-26

Apr-26

Jul-26

SE C T I O N 0 6

06

‌Governance

IN THIS SECTION

Shareholders 37

Board of Directors and executive management 38

Definitions 39

Patria Bank · Investor Relations H1 2026 results · 9 September 2026 36

0 6 G OV E R N A N C E

‌Shareholders

A majority shareholder backed by development finance institutions, advised by a team with a record of building and selling financial businesses in Romania.

The main shareholder of Patria Bank, with a 85.10% holding at 30 June 2026, is EEAF Financial Services B.V., an investment vehicle controlled by Emerging Europe Accession Fund Cooperatief U.A. (EEAF).

EEAF is a private equity fund whose main investors are international financial institutions: EBRD, EIF, DEG and BSTDB. The investment advisor of EEAF is Axxess Capital Partners.

Axxess Capital Partners is an investment advisor with extensive experience in private equity funds and relevant expertise on the local banking and financial services market. Deals of

Axxess Capital Partners' clients include four banks, four leasing companies and five non-banking financial institutions.

SELECTED TRACK RECORD IN FINANCIAL SERVICES OF THE FUNDS ADVISED BY AXXESS CAPITAL PARTNERS

INVESTMENT BUYER UPON EXIT

Banca Agricola → Raiffeisen Bank

→

Banca Romaneasca National Bank of Greece

Motoractive → GE Money

Estima Finance → GE Money

Domenia Credit → GE Money

0 6 G OV E R N A N C E

‌Board of Directors and executive management

Five board members, two of them independent; an executive team with long banking careers in Romania.

BOARD OF DIRECTORS teal keyline: independent member

Horia Manda

Chairman of the Board

Managing Partner,

Axxess Capital. Board member of various

companies. Selected M&A: Banca Agricola, Banca Romaneasca, RALFI, Romexterra,

Patria, BCC, Jet Finance.

Bogdan Merfea

Board member

CEO, Raiffeisen Bank Kosovo. Former

Executive Director,

Raiffeisen Bank Romania. Selected M&A: Patria,

BCC.

Daniela Iliescu

Board member

CFO, Axxess Capital. Board member, BCC.

Former Senior Manager, PwC. Selected M&A: Patria, Jet Finance, BCC.

Vasile Iuga

Board member, independent

Former Managing Partner South-East Europe and Romania Country

Manager, PwC. Vice-

President, AmCham

Romania. Member of the EIB Audit Committee.

Nicolae Surdu

Board member, independent

Former CEO and

President, BCC. Former CEO, Fortis Bank

Romania. Former VP, Credit Europe Bank. Former Board member, Piraeus Bank Romania.

EXECUTIVE MANAGEMENT

Valentin Vancea

General Manager

Former COO of BCC, Nextebank and Volksbank Romania. Former CEO,

ANSSI. Former Audit Director, UniCredit Romania.

Georgiana Stanciulescu

Deputy General Manager, Finance

Experience with Credit Agricole, Emporiki Bank and Piraeus Bank. 12 years with Patria Bank.

Razvan Prodea

Deputy General Manager, Risk

Experience with Banca Carpatica and 9 years with Patria Bank. Over 12 years in risk management.

Cristian Nae

Deputy General Manager, Commercial

27 years of experience in financial services, including 20 years of banking management.

0 6 G OV E R N A N C E

‌Definitions and bases of preparation

How the figures in this document are defined, so the same word means the same thing on every page.

Standalone, unaudited

All figures are the Bank's own (not the Group's) and have not been audited or reviewed, unless stated otherwise.

NPL and NPE ratios

NPL: non-performing loans over gross loans to customers. NPE: non-performing exposures over total exposures, the EBA definition. NPE is the lower of the two because the denominator is wider.

NPL coverage

Allowances on non-performing loans over non-performing loans, on the systemic risk buffer presentation, the single coverage measure carried in the half-year report.

Cost / income excl. turnover tax

Total operating expenses less the turnover tax, over net banking income. The tax was 2% of turnover until 30 June 2025 and 4% since 1 July 2025.

Return on equity and assets

Net profit for the period, annualised, over average equity and average total assets.

Total own funds ratio

Own funds over the total risk exposure amount, including the profit of the period net of a prudential haircut. The overall capital requirement includes Pillar 2 and the combined buffer.

Commercial perimeter

Performing loans, new loans and customer funding by business line come from the commercial division's series, the same as the published trading updates. Totals can differ marginally from the accounting figures.

CAGR

Compound annual growth rate: the constant yearly rate that takes the first value to the last over the period shown.

Rebased series

The PBK share price and the BET index are shown as indices with 30 December 2025 = 100, so their paths compare.

Valuation

Price to book: market capitalisation over standalone total equity at 30 June 2026. Price to earnings: market capitalisation over the net profit of the twelve months to 30 June 2026.

‌1.7 November 2026