PATRIA BANK S.A.

Patria Bank S.A. is a Romanian commercial bank headquartered in Bucharest, authorized and supervised by the National Bank of Romania, and a participant in the Bank Deposit Guarantee Fund (FGDB), which protects eligible deposits up to the equivalent of EUR 100,000 per depositor per bank under EU rules. It operates as a public company listed on the Bucharest Stock Exchange (ticker: PBK) and resulted from the merger completed in 2017 with Banca Comercială Carpatica, with the combined entity continuing under the Patria Bank name. The bank offers retail and business banking services that typically include current and savings accounts in RON and major foreign currencies, term deposits, payment cards, domestic and SEPA transfers, internet and mobile banking, consumer lending, mortgages, SME working capital and investment loans, and products aimed at agriculture and microbusiness segments; availability, eligibility, and pricing are defined in the bank’s published tariffs and lending policies. Distribution combines a branch network with remote service channels, while onboarding, KYC/AML controls, and strong customer authentication are applied in line with Romanian and EU legislation (including PSD2). Financial reporting is prepared under IFRS and prudential disclosures are published in accordance with CRR/CRD requirements; capital and liquidity ratios, nonperforming exposures, and provisioning are reported periodically on investor relations pages and the stock exchange. Fees, interest rates, FX margins, and transaction limits vary by product and customer profile and can change; customers should verify current terms, processing cut-off times, and any early repayment or account maintenance charges before contracting. Complaints are handled under internal procedures and Romanian consumer-protection rules, with access to alternative dispute resolution mechanisms such as CSALB where applicable. As with any bank, use entails credit, market, operational, and conduct risks, and deposits above the statutory guarantee limit, as well as investments and insurance products distributed by the bank, are not covered by FGDB protection.