Patria Bank Income Statement

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

Millions RON. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	390.79	378.05	332.22	315.47	249.17	174.04
Interest Paid on Deposits	191.13	180.77	158.39	170.89	100.41	49.53
Net Interest Income	199.66	197.27	173.83	144.59	148.76	124.51
Net Interest Income Growth (YoY)	9.23%	13.49%	20.23%	-2.80%	19.47%	3.17%
Gain (Loss) on Sale of Assets	0.48	0.48	-0.28	0.14	-0.26	-0.14
Gain (Loss) on Sale of Investments	9.88	5.96	11.21	14.57	-3.87	14.33
Other Non-Interest Income	71.33	72.65	55.98	60.49	56.92	46.04
Total Non-Interest Income	82.73	80.12	67.18	73.8	60.11	62.55
Non-Interest Income Growth (YoY)	27.06%	19.28%	-8.98%	22.77%	-3.90%	39.53%
Revenues Before Loan Losses	282.39	277.4	241.01	218.39	208.87	187.06
Provision for Loan Losses	17.48	15.19	16.39	27.06	34.86	24.25
Revenue	264.91	262.21	224.62	191.33	174.01	162.82
Revenue Growth (YoY)	15.12%	16.73%	17.40%	9.95%	6.88%	15.70%
Salaries and Employee Benefits	97.11	96.1	85.47	82.25	77.59	67.68
Occupancy Expenses	24.82	24.76	23.48	21.33	20.23	22.33
Selling, General & Administrative	56.89	57.01	57.26	50.76	51.63	49.79
Other Non-Interest Expense	20.29	17.73	11.7	3.23	3.53	3.45
Total Non-Interest Expense	199.12	195.59	177.9	157.57	152.97	143.24
EBT Excluding Unusual Items	65.79	66.61	46.72	33.76	21.04	19.58
Legal Settlements	1.01	0.42	0.15	0.29	2.3	-2.54
Pretax Income	66.8	67.03	46.87	34.05	23.35	17.05
Income Tax Expense	15.96	15.55	8.7	8.56	4.11	7.16
Earnings From Continuing Operations	50.84	51.48	38.17	25.49	19.23	9.89
Net Income	50.84	51.48	38.17	25.49	19.23	9.89
Net Income to Common	50.84	51.48	38.17	25.49	19.23	9.89
Net Income Growth	26.10%	34.88%	49.77%	32.50%	94.54%	241.99%
Basic Shares Outstanding	3,508	3,518	3,279	3,279	3,267	3,115
Diluted Shares Outstanding	3,508	3,518	3,279	3,279	3,267	3,115
Shares Change (YoY)	7.00%	7.31%	-	0.36%	4.87%	-
EPS (Basic)	0.01	0.01	0.01	0.01	0.01	0.00
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01	0.00
EPS Growth	17.86%	25.70%	49.77%	32.02%	85.53%	242.29%
Effective Tax Rate	23.90%	23.19%	18.56%	25.15%	17.61%	41.99%