Patria Bank S.A.

Annual / Quarterly Financial Statement • Feb 13, 2015

SEPARATE STATEMENT OF FINANCIAL POSITION

		- lei -
	December 31st ,	December 31st ,
	2014	2013
ASSETS
Cash in hand	110,375,632	112,219,647
Accounts with Central Bank	313,995,628	271,030,463
Due from banks	6,597,622	64,838,713
Due from reverse repo operations	-	395,125,392
Financial assets held for trading	48,782,333	22,542,891
Financial assets available for sale	1,279,517,172	1,544,968,787
Financial assets held to maturity	12,029,005	13,827,042
Loans, net	1,040,457,486	1,226,135,328
Property and equipment	144,769,887	149,380,809
Investment properties	121,412,148	115,223,154
Intangibles	8,363,524	7,956,784
Deferred tax assets	21,143,406	6,248,090
Other assets	143,010,107	133,568,892
Total ASSETS	3,250,453,950	4,063,065,992
LIABILITIES
Due to banks	42,622,025	46,686,087
Due to repo operations and securities lent	-	693,493,892
Due to customers	2,884,459,792	2,820,299,850
Borrowings	71,205,093
Other Liabilities	28,549,752	77,473,760 28,788,515
Total liabilities	3,026,836,662	3,666,742,104
Share capital	314,629,049	314,629,049
Share premium	1,950,930	1,950,930
Surplus from share capital revaluation	21,809,077	21,809,077
Retained earnings	-224,984,441	(58,223,335)
Reserve for financial investments available for sale	11,375,280	15,557,690
Revaluation reserve	71,650,049	73,413,133
Other reserves	27,187,344	27,187,344
Total equity	223,617,288	396,323,888
Total LIABILITIES AND EQUITY	3,250,453,950	4,063,065,992

General Manager, Deputy General Manager, Johan Gabriëls Gheorghe Cismaru

Note: The preliminary financial statements are currently being audited; some of the issues that can generate additional adjustments refer to " Property and equipment", "Investment properties", "Other Assets" and "Deferred tax assets", which may have an impact on the profit and loss account and on bank's equity.

C.I.F. - RO 11447021• RC - J32/80/1999 • RB - PJR - 32 - 045 / 15.07.1999 • Capital: 314.629.049,40 RON Banca Comerciala Carpatica is registered with the National Supervisory Authority for Personal Data Processing -ANSPDCP with the notification no. 753. The company is administrated in a two-tier system.

SEPARATE STATEMENT OF COMPREHENSIVE INCOME

		-lei
	December 31st ,	December 31st ,
	2014	2013
Interest income	160.206.372	204,115,342
Interest expenses	(93.617.032)	(132,697,601)
Net interest income	66.589.340	71,417,741
Commission income	30,099,785	34,187,411
Commission expenses	(5,523,439)	(6,032,503)
Net commission income	24,576,346	28,154,908
Net trading income	13,578,991	19,584,112
Net gain from investments available for sale	95,999,334	84,236,474
Other operating income	13,574,830	13,766,146
Total operating income	214,318,841	217,159,381
Credit loss expense	(231,578,122)	(18,093,264)
Expenses with adjustments of long term financial
investments	(1,798,037)	(6,806,966)
Net operating income	(19,057,318)	192,259,151
Expense with salaries and related items	(69,432,128)	(76,066,207)
Amortization and depreciation of tangibles and
intangibles	(10,529,145)	(10,938,849)
Other operating expenses	(84,015,068)	(78,745,095)
Total operating expenses	(163,976,341)	(165,750,151)
Profit /(loss) before tax	(183,033,659)	26,509,000
Income tax	13,528,694	11,896,249
Net profit/(loss) for the year	(169,504,965)	38,405,249

General Manager, Deputy General Manager, Johan Gabriëls Gheorghe Cismaru