Patria Bank Income Statement

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

Millions RON. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	365.33	332.22	315.47	249.17	174.04	170.51
Total Interest Income	365.33	332.22	315.47	249.17	174.04	170.51
Interest Paid on Deposits	170.77	158.39	170.89	100.41	49.53	49.82
Net Interest Income	194.56	173.83	144.59	148.76	124.51	120.68
Net Interest Income Growth (YoY)	19.34%	20.23%	-2.80%	19.47%	3.17%	-7.07%
Gain (Loss) on Sale of Assets	0.51	-0.28	0.14	-0.26	-0.14	0.32
Gain (Loss) on Sale of Investments	4.86	11.36	14.57	-3.87	14.33	4.63
Other Non-Interest Income	66.16	58.44	60.49	56.92	46.04	40.41
Total Non-Interest Income	71.33	69.63	73.8	60.11	62.55	44.83
Non-Interest Income Growth (YoY)	-9.75%	-5.65%	22.77%	-3.90%	39.53%	-2.22%
Revenues Before Loan Losses	265.89	243.46	218.39	208.87	187.06	165.51
Provision for Loan Losses	21.22	16.39	27.06	34.86	24.25	24.79
Revenue	244.68	227.07	191.33	174.01	162.82	140.72
Revenue Growth (YoY)	7.87%	18.68%	9.95%	6.88%	15.70%	-11.67%
Salaries and Employee Benefits	92.18	85.47	82.25	77.59	67.68	63.15
Occupancy Expenses	24.68	23.48	21.33	20.23	22.33	24.02
Selling, General & Administrative	56.38	57.26	50.76	51.63	49.79	43.72
Other Non-Interest Expense	14.43	11.7	3.23	3.53	3.45	3.62
Total Non-Interest Expense	187.67	177.9	157.57	152.97	143.24	134.52
EBT Excluding Unusual Items	57.01	49.17	33.76	21.04	19.58	6.2
Legal Settlements	0.86	0.15	0.29	2.3	-2.54	0.69
Pretax Income	57.87	49.32	34.05	23.35	17.05	6.89
Income Tax Expense	9.85	8.7	8.56	4.11	7.16	4
Earnings From Continuing Operations	48.03	40.62	25.49	19.23	9.89	2.89
Net Income	48.03	40.62	25.49	19.23	9.89	2.89
Net Income to Common	48.03	40.62	25.49	19.23	9.89	2.89
Net Income Growth	22.51%	59.40%	32.50%	94.54%	241.99%	-15.37%
Basic Shares Outstanding	3,276	3,279	3,279	3,267	3,115	3,115
Diluted Shares Outstanding	3,276	3,279	3,279	3,267	3,115	3,115
Shares Change (YoY)	-0.09%	-	0.36%	4.87%	-	-
EPS (Basic)	0.01	0.01	0.01	0.01	0.00	0.00
EPS (Diluted)	0.01	0.01	0.01	0.01	0.00	0.00
EPS Growth	22.63%	59.41%	32.02%	85.53%	242.29%	-15.42%
Effective Tax Rate	17.01%	17.63%	25.15%	17.61%	41.99%	58.06%

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