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	Jun '26 Jun 30, 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	398.25	378.05	332.22	315.47	249.17	174.04
Interest Paid on Deposits	196.63	180.77	158.39	170.89	100.41	49.53
Net Interest Income	201.62	197.27	173.83	144.59	148.76	124.51
Net Interest Income Growth	3.32%	13.49%	20.23%	-2.80%	19.47%	3.17%
Gain (Loss) on Sale of Assets	1.26	0.48	-0.28	0.14	-0.26	-0.14
Gain (Loss) on Sale of Investments	14.31	5.96	11.21	14.57	-3.87	14.33
Other Non-Interest Income	73.88	72.65	55.98	60.49	56.92	46.04
Total Non-Interest Income	90.63	80.12	67.18	73.8	60.11	62.55
Non-Interest Income Growth	43.30%	19.28%	-8.98%	22.77%	-3.90%	39.53%
Revenues Before Loan Losses	292.24	277.4	241.01	218.39	208.87	187.06
Provision for Loan Losses	16.45	15.19	16.39	27.06	34.86	24.25
Revenue	275.79	262.21	224.62	191.33	174.01	162.82
Revenue Growth	15.92%	16.73%	17.40%	9.95%	6.88%	15.70%
Salaries and Employee Benefits	100.19	96.1	85.47	82.25	77.59	67.68
Occupancy Expenses	24.65	24.76	23.48	21.33	20.23	22.33
Selling, General & Administrative	59.14	57.01	57.26	50.76	51.63	49.79
Other Non-Interest Expense	22.33	17.73	11.7	3.23	3.53	3.45
Total Non-Interest Expense	206.3	195.59	177.9	157.57	152.97	143.24
EBT Excluding Unusual Items	69.49	66.61	46.72	33.76	21.04	19.58
Legal Settlements	0.5	0.42	0.15	0.29	2.3	-2.54
Pretax Income	69.99	67.03	46.87	34.05	23.35	17.05
Income Tax Expense	16.29	15.55	8.7	8.56	4.11	7.16
Earnings From Continuing Operations	53.7	51.48	38.17	25.49	19.23	9.89
Net Income	53.7	51.48	38.17	25.49	19.23	9.89
Net Income to Common	53.7	51.48	38.17	25.49	19.23	9.89
Net Income Growth	22.16%	34.88%	49.77%	32.50%	94.54%	241.99%
Basic Shares Outstanding	3,498	3,518	3,279	3,279	3,267	3,115
Diluted Shares Outstanding	3,498	3,518	3,279	3,279	3,267	3,115
Shares Change	6.69%	7.31%	-	0.36%	4.87%	-
EPS (Basic)	0.02	0.01	0.01	0.01	0.01	0.00
EPS (Diluted)	0.02	0.01	0.01	0.01	0.01	0.00
EPS Growth	14.51%	25.70%	49.77%	32.02%	85.53%	242.29%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Effective Tax Rate	23.28%	23.19%	18.56%	25.15%	17.61%	41.99%