Patria Bank S.A.

Capital/Financing Update • Jul 8, 2025

• No. 1143203 /08.07.2025
• To: FINANCIAL SUPERVISORY AUTHORITY (FSA)

Financial instruments and investments sector BUCHAREST STOCK EXCHANGE

Ref: Accelerated lending to farmers in H1 2025

Report date: 08.07.2025 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: Accelerated lending to farmers in H1 2025

In an underfunded agricultural sector, Patria Bank accelerates lending to farmers by 33% in the first part of 2025

Bucharest, July 8, 2025 – Patria Bank (BVB: PBK), a Romanian bank focused on supporting local entrepreneurial businesses and listed on the Regulated Market of the Bucharest Stock Exchange, recorded between January and June 2025 a doubling of new loans granted to farmers compared to the same period in 2024, along with a 33% increase in the AGRO&FOOD loan portfolio compared to the end of last year. The demand for financing from Romanian farmers during the period analyzed by the bank reflects a positive dynamic driven by their working capital needs and the growing interest in projects supported by European funds.

With agriculture at a turning point, the stakes of securing effective financing are higher than ever. Although Romania has considerable agricultural potential and vast land resources, the sector remains structurally underfinanced. Among Romanian farms, the level of banking penetration is still low, and a significant segment of small farmers does not yet have access to banking services, due to a low level of financial education and a lack of trust in institutions. Moreover, only around 5% of all loans in the banking system are directed toward agriculture, placing it among the most poorly financed branches of the economy.

"We take an active role in supporting sustainable agriculture and rural entrepreneurship through an approach that focuses on deeply understanding the specifics of each farm. Our mission is to make financing relevant, accessible, and tailored to real-life conditions in the field, from crop seasonality and cash flow cycles to the need for long-term investments. In our daily work, we stand by farmers both operationally and strategically, building solutions that contribute to the sustainable development of agricultural businesses. The activity recorded in the first six months of 2025 confirms that this collaboration works and creates real value," stated Valentin Vancea, CEO of Patria Bank.

Between January and June 2025, Patria Bank financed all spring crops, with the largest share going to sunflower and corn. In the vegetable segment, the most frequently financed crops were tomatoes, melons, and potatoes. Regarding the structure of financing demand during the analyzed period, there was a clear preference for working capital loans, accounting for 70% of the total, used both to establish crops and to pay input suppliers. Investment and equipment loans represented 20%, while funding for the implementation of projects with European funds accounted for 10%. Compared to the same period in 2024, demand for working capital increased significantly. Investment financing declined slightly, but there was an increase in the interest of medium and large farmers for projects supported by European funds, especially in livestock, in the swine and poultry sectors.

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

Among clients, consumption trends indicate a growing interest in fast financing for inputs, driven by challenging weather conditions and the volatility of agricultural commodity prices. At the regional level, soil drought affected the entire country, with a particularly severe impact in the Moldova and Oltenia regions, where the calamity degree reached on average 70-80%.

"We are aware that the development of rural areas depends on stable partnerships, smartly directed capital, and a relationship of trust that is built over time. This is precisely why we are directly involved in evaluating projects in the field and offer financial products tailored to the real challenges and opportunities of Romanian agriculture. At Patria Bank, we see agriculture as a driver of development capable of revitalizing communities and raising living standards, which is why we continue to prioritize this sector even in the face of perceived risks," stated Lavinia Mocanu, Head of the AGRO&FOOD Department at Patria Bank.

Patria Bank's AGRO&FOOD clients are grouped into small farmers, who cultivate areas under 500 hectares, and large farmers, who work over 500 hectares. At present, the bank holds around 15% of all large farmers operating more than 500 hectares and continues to strengthen its presence through a fieldbased lending model built on farm visits and solutions tailored to agricultural cycles. In the past two years, the bank has doubled its volume of agricultural loans year over year. At the end of last year, as part of its strategy to integrate the entire value chain from farm to consumer, Patria Bank expanded the AGRO segment to also include the food industry.

The operational model applied by Patria Bank in the agricultural sector is built on three main pillars: expanding access to financing for small and medium-sized farms, supporting investments across the entire agri-food chain from production to processing and distribution, and encouraging sustainable practices, including the use of technology in agriculture.

Georgiana Stanciulescu Razvan Pasol

Deputy General Manager Director, Capital Markets and Investor Relations Division