Revenues reached RON194 million, 18% higher.
At end-2022, the bank had a performing loan portfolio of RON2.1 billion, 11% higher than in 2021, and a deposit portfolio worth RON3.4 billion, up 4%.
New loans granted totaled RON968 million in 2022. Gross non-performing loans stood at RON168 million.
Thus, the loan/deposit ratio was 68%.
„The Bank focused more on secured loans compared to unsecured loans in the Retail segment (individuals), mainly in the urban environment, by launching mortgage loans refinancing campaigns and by optimizing internal workflows that led to offering a faster response time to customers,” reads the bank’s report.
The level of loans outstanding granted to companies had a positive evolution compared with December 2021, respectively an increase of 6.5%. An important pillar in the annual growth of 6.5% was the SME segment due to the focus on the Mid Market sector in areas such as real estate, green energy, production, transport and trade, which registered a growth of 25%. The Microenterprises segment had an annual growth of 4%, the Bank maintaining the focus on granting EASI loans, guaranteed by the EIF (European Investment Fund).
The Corporate segment had an approximately constant evolution, explained by the concentration in the SME – Mid Market area.
Patria Bank has a 45-agency network.
Total assets topped RON4 billion, reaching RON4.2 billion, up 9% from end-2021.
(English version by Catalina Apostoiu)