Kruk S.A. — Earnings Release 2024

Jul 9, 2024

Report Content Current Report No. 44/2024

Date of the report: July 9th 2024

Subject: Expenditure on and recoveries from debt portfolios

Legal basis: Art. 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.

Q2 2024

The nominal value of debt purchased by the Group

Q2 2024 Q2 2023 change

PLN 3608m PLN 2638m +37%

The expenditure on debt portfolios purchased by the Group

Q2 2024 Q2 2023 change

PLN 565m PLN 653m -14%

The recoveries from the management of purchased portfolios purchased bythe Group

Q2 2024 Q2 2023 change

PLN 883m PLN 776m +14%

Deviation between actual and projected recoveries*

Q2 2024

PLN 102,6m

Percentage deviation between actual and projected recoveries**

Q2 2024

13%

IH 2024

The nominal value of debt purchased by the Group

IH 2024 IH 2023 change

PLN 5824m PLN 5477m +6%

The expenditure on debt portfolios purchased by the Group

IH 2024 IH 2023 change

PLN 900m PLN 1178m -24%

The recoveries from the management of purchased portfolios purchased bythe Group

IH 2024 IH 2023 change

PLN 1738 m PLN 1501 m +16%

*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 IH 2024 will be disclosedin the report of the KRUK Group for IH 2024, scheduled for issue onAugust 27th 2024.