Kruk S.A. — Earnings Release 2025

Feb 20, 2026

Report Content Current Report No. 4/2026

Date of the report: February 20th 2026

Subject: Preliminary estimates of the KRUK Group's financial results forthe fourth quarter of 2025

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

Text of the report:

Having been notified, on February 20th 2026, of the preliminary estimateof the consolidated net result of the KRUK Group for the fourth quarterof 2025, the Management Board of KRUK S.A. (the "Company") has decidedto announce the results to the public:

- estimated consolidated net profit of the KRUK Group for 4q2025 was:PLN 208m (for the period from January 1st to December 31st, 2025 was:PLN 1,086m);

- estimated cash EBITDA of the KRUK Group for 4q2025 was: PLN 658m (forthe period from January 1st to December 31st, 2025 was: PLN 2,665m);

- estimated net debt to cash EBITDA ratio of the KRUK Group on the endof 4q2025 was: 2.6;

The above figures are subject to change.

The unaudited financial data will be disclosed in the KRUK Group'sconsolidated report for the fourth quarter of 2025, slated for releaseon February 26th 2026. The audited data will be disclosed in theconsolidated report of the KRUK Group for 2025, scheduled for issue onMarch 10th 2026.