Patria Bank S.A.

AGM Information • Apr 29, 2025

No. 1114917 /29.04.2025

To: FINANCIAL SUPERVISORY AUTHORITY (FSA) Financial instruments and investments sector BUCHAREST STOCK EXCHANGE

Ref: 2025 Revenue and Expense Budget forecast

Report date: 29.04.2025 Name of the issuer: PATRIA BANK SA Headquarters: Bucharest, 42, Pipera Road, Globalworth Plaza Building, Floors 8 and 10 Phone / Fax No: 0800 410 310 / +40 372 007 732 Unique Registration Code with the Trade Register: 11447021 Order number in the Trade Register: J2016009252405 Subscribed and paid-in share capital: RON 327,881,437.60 lei The regulated market where the instruments are traded: Bucharest Stock Exchange

Important events to be reported: 2025 Revenue and Expense Budget forecast

Patria Bank targets total assets of RON 5.2 billion and net profit of RON 52.9 million in 2025

Patria Bank SA, a Romanian bank focused on supporting local entrepreneurial businesses and listed on the Regulated Market of the Bucharest Stock Exchange, aims to accelerate profitability and achieve sustainable commercial growth in 2025, amid a challenging economic context marked by uncertainties and fiscal pressures. According to the 2025 Revenue and Expense Budget, approved by the company's shareholders during the Annual General Meeting held on April 28, 2025, Patria Bank's management estimates a net profit of RON 52.9 million for 2025, representing a solid 51% increase compared to 2024, and reflecting the inclusion of the 2% turnover tax applicable to credit institutions.

For 2025, Patria Bank projects a 15% increase in total assets, reaching RON 5.2 billion, driven by the expansion of its loan portfolio and continued investments in digitalization, operational efficiency, and diversification of funding sources. At the same time, the bank targets a return on equity (RoE) of 11.66% and an improvement in the adjusted cost-to-income ratio to 64%, compared to 71% in 2024 (excluding the impact of the turnover tax).

"We aim for 2025 to mark a new inflection point in the evolution of Patria Bank, a year in which our growth is grounded in a solid foundation of operational efficiency, financial discipline, and healthy commercial expansion. The objectives we are pursuing, both financially and strategically, reflect the maturity of our business model and our ability to respond to increasingly demanding market conditions. We are focusing on consolidating relationships with existing customers through product and distribution channel diversification, while also targeting new audience segments, including by developing tailored solutions for local entrepreneurs and underfinanced communities. At the same time, we are placing greater emphasis on rigorous risk management and maintaining a solid capital base, both essential to supporting growth in a complex and volatile economic environment. In a context shaped by fiscal adjustments and moderate external demand, we will continue to adapt quickly to macroeconomic dynamics and maintain a stable balance sheet structure to support productive investments and generate long-term value for our clients, partners, and shareholders," stated Valentin Vancea, CEO of Patria Bank.

The bank's development plans for 2025 include a 16% increase in the net loan portfolio, reaching RON 2.7 billion, equivalent to a RON 376 million increase compared to the previous year. Additionally, a positive evolution in commercial funding is expected, with an increase of RON 241 million, driven by higher transactional volumes in current accounts, overnight deposits, and collateral accounts. In parallel, Patria Bank aims to reduce the ratio of non-performing exposures by 60 bps compared to 2024, through continued recovery and collection efforts, while maintaining a strong coverage ratio of over 55% for nonperforming loans.

In terms of revenue, net banking income is projected to grow by 25%, reaching RON 267.1 million, supported by the expansion of the loan portfolio and positive trends in transactions and the number of active clients. Fee and commission income is also expected to grow by 16% year-on-year.

Throughout 2025, Patria Bank will continue optimizing its operational model through digitalization, streamlining workflows, and increasing the productivity of its sales force. Internal process efficiency and a stronger focus on generating non-risk revenues will support profitability growth. At the same time, the development of lending products and solutions dedicated to strategic segments, such as Agro, Micro, and SME & Corporate, will further strengthen the bank's position as a trusted partner for local entrepreneurs. In this context, digitalization remains a key priority, including through the expansion of online lending channels and the further development of the "Patria de Oriunde" platform, enabling the bank to better meet clients' financial needs.

In 2024, Patria Bank recorded its strongest operational and financial performance in the last five years, with a net profit of RON 35.2 million, up 52% compared to the previous year, and net banking income increasing by 9.4%, primarily driven by a 21% rise in net interest income. New loan sales increased by 70% compared to 2023, while customer deposits rose by 19%. Additionally, the non-performing exposure ratio decreased by 110 bps year-on-year, reflecting a significant improvement in portfolio quality and disciplined risk management.

Valentin Vancea Razvan Pasol

General Manager Director, Capital Markets and Investor Relations Division

Patria Bank S.A. –Bucharest, District 2, Globalworth Plaza Building, Pipera no 42, floors 8 and 10; ORC: J2016009252405, C.I.F. RO 11447021, RB-PJR-32-045/15.07.1999. Share Capital social: 327,881,437.60 lei; Patria Bank is registered by the National Supervisory Authority for Personal Data Processing – ANSPDCP – with the notification no. 753; FSA register number: PJR01INCR/400026 from 28.03.2019 Tel: 0800 410 310 | Fax: +40 372 007 732| info@patriabank.ro | www.patriabank.ro