Patria Bank Income Statement

Financials in millions RON. Fiscal year is January - December.

Millions RON. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	378.05	332.22	315.47	249.17	174.04
Interest Paid on Deposits	180.77	158.39	170.89	100.41	49.53
Net Interest Income	197.27	173.83	144.59	148.76	124.51
Net Interest Income Growth (YoY)	13.49%	20.23%	-2.80%	19.47%	3.17%
Gain (Loss) on Sale of Assets	0.57	-0.28	0.14	-0.26	-0.14
Gain (Loss) on Sale of Investments	9.87	11.36	14.57	-3.87	14.33
Other Non-Interest Income	72.56	58.44	60.49	56.92	46.04
Total Non-Interest Income	80.12	69.63	73.8	60.11	62.55
Non-Interest Income Growth (YoY)	15.07%	-5.65%	22.77%	-3.90%	39.53%
Revenues Before Loan Losses	277.4	243.46	218.39	208.87	187.06
Provision for Loan Losses	15.19	16.39	27.06	34.86	24.25
Revenue	262.21	227.07	191.33	174.01	162.82
Revenue Growth (YoY)	15.47%	18.68%	9.95%	6.88%	15.70%
Salaries and Employee Benefits	96.1	85.47	82.25	77.59	67.68
Occupancy Expenses	24.84	23.48	21.33	20.23	22.33
Selling, General & Administrative	74.32	57.26	50.76	51.63	49.79
Other Non-Interest Expense	-	11.7	3.23	3.53	3.45
Total Non-Interest Expense	195.26	177.9	157.57	152.97	143.24
EBT Excluding Unusual Items	66.94	49.17	33.76	21.04	19.58
Legal Settlements	-	0.15	0.29	2.3	-2.54
Pretax Income	66.94	49.32	34.05	23.35	17.05
Income Tax Expense	15.55	8.7	8.56	4.11	7.16
Earnings From Continuing Operations	51.4	40.62	25.49	19.23	9.89
Net Income	51.4	40.62	25.49	19.23	9.89
Net Income to Common	51.4	40.62	25.49	19.23	9.89
Net Income Growth	26.52%	59.40%	32.50%	94.54%	241.99%
Basic Shares Outstanding	3,238	3,279	3,279	3,267	3,115
Diluted Shares Outstanding	3,238	3,279	3,279	3,267	3,115
Shares Change (YoY)	-1.23%	-	0.36%	4.87%	-
EPS (Basic)	0.02	0.01	0.01	0.01	0.00
EPS (Diluted)	0.02	0.01	0.01	0.01	0.00
EPS Growth	28.10%	59.41%	32.02%	85.53%	242.29%
Effective Tax Rate	23.22%	17.63%	25.15%	17.61%	41.99%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.