Kruk S.A. — Capital/Financing Update 2025

Jan 10, 2025

Report Content Current Report No. 4/2025

Date: January 10th 2025

Subject: Expenditure on and recoveries from debt portfolios

Legal basis: Article 17_1_ of MAR - Inside information

Text of the report:

In line with the adopted disclosure policy, KRUK S.A. (KRUK, theCompany) discloses the amount of expenditure on and recoveries from themanagement of debt portfolios purchased by the KRUK Group.

Q4 2024

The nominal value of debt portfolios purchased by the Group

Q4 2024 Q4 2023 change

PLN 5 424m PLN 4 431m +22%

The expenditure on debt portfolios purchased by the Group

Q4 2024 Q4 2023 change

PLN 1 185m PLN 983m +21%

The recoveries from the management of debt portfolios purchased by theGroup

Q4 2024 Q4 2023 change

PLN 935m PLN 777m +20%

Deviation between actual and projected recoveries*

Q4 2024

PLN 52,8m

Percentage deviation between actual and projected recoveries**

Q4 2024

6%

Y 2024

The nominal value of debt portfolios purchased by the Group

Y 2024 Y 2023 change

PLN 14 607m PLN 14 523m +1%

The expenditure on debt portfolios purchased by the Group

Y 2024 Y 2023 Change

PLN 2 828m PLN 2 972m -5%

The recoveries from the management of debt portfolios purchased by theGroup

Y 2024 Y 2023 change

PLN 3 536m PLN 3 062m +15%

*Position "Deviation between actual and projected recoveries, decreaseson early collections in collateralised cases, payments from originalcreditor" in the financial statements.

**Percentage deviation between actual and projected recoveriesdetermined as the ratio of deviation between actual and projectedrecoveries'* to the difference between _#8216;actual recoveries' and_#8216;deviation between actual and projected recoveries'*.

The finally determined financial results for Q4 2024 will be disclosedin the report of the KRUK Group for Q4 2024, scheduled for issue onFebruary 27th 2025.