Kruk S.A. — Capital/Financing Update 2026

Mar 5, 2026

Report Content Current Report No. 6/2026

Date of the report: March 5th 2026

Subject: Full early redemption of bonds under First Prospectus-exemptBond Issue Programme

Legal basis: Article 17(1) of MAR - Inside information

Text of the report:

Further to Current Report No. 2/2023 of 4 January 2023 on the allotmentof bonds under the First Prospectus-exempt Bond Issue Programme, theManagement Board of KRUK S.A.(the "Company", the "Issuer") announcesthat on March 5th 2026 it resolved to exercise its right to carry out anEarly Mandatory Redemption at the Issuer's Option of all Series AL3bonds (the Bonds) that remain outstanding and are not held by theIssuer, i.e. 120,000 Bonds with a total nominal value of PLN 120million, identified by ISIN code PLO163600037.

In accordance with the Terms and Conditions of the Bonds (the T_C), theoriginal maturity date was set for 4 January 2029. The Early MandatoryRedemption at the Issuer's Option will take place on 4 April 2026, whilepayment of the nominal amount and the early redemption premium will bemade on 7 April 2026. The Record Date for determining the right to theredemption will be 27 March 2026. The Early Mandatory Redemption of theBonds at the Issuer's Option will be carried out in accordance with theprocedure set out in the T_C.

The early redemption of the Bonds will be effected through payment tothe Bondholders of the amounts due in respect of each Bond issued andoutstanding, comprising the nominal value of one Bond of PLN 1,000.00and the early redemption premium of PLN 15.00 per Bond, representing1.50% of the nominal value of each Bond being redeemed. Upon completionof the Early Mandatory Redemption at the Issuer's Option, the Bonds soredeemed will be cancelled.

The obligation to notify Bondholders of the Issuer's exercise of itsoption of Early Mandatory Redemption arising from the T_C has beenfulfilled by publishing this report on the Company's website at:https:///pl.kruk.eu/relacje-inwestorskie/raporty/raporty-biezace

The Early Mandatory Redemption at the Issuer's Option will be executedthrough the Central Securities Depository of Poland (Krajowy DepozytPapierów Wartościowych S.A., KDPW), in accordance with the regulationsapplicable within KDPW.