Kruk S.A.

Earnings Release • Apr 9, 2025

Report Content Current Report No. 27/2025

Date: April 9th 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. discloses theamount of expenditure on and recoveries from the management of debtportfolios purchased by the KRUK Group (Group).

Q1 2025

The nominal value of debt purchased by the Group

Q1 2025 Q1 2024 change

PLN 1,089m PLN 2,216m - 51%

The expenditure on debt portfolios purchased by the Group

Q1 2025 Q1 2024 change

PLN 229m PLN 335m - 32%

The recoveries from the management of purchased portfolios purchased bythe Group

Q1 2025 Q1 2024 change

PLN 923m PLN 856m 8%

Deviation between actual and projected recoveries*

Q1 2025

PLN 51m

Percentage deviation between actual and projected recoveries**

Q1 2025

6%

*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 'actual recoveries' and'deviation between actual and projected recoveries'*.

The finally determined financial results for Q1 2025 will be disclosedin the report of the KRUK Group for Q1 2025, scheduled for issue onApril 28th 2025.