Current Report No. 12/2018

Date of the report: March 29th 2018

Subject: Subsidiary wins a tender to buy a debt portfolios on the Polishmarket

Legal basis: Art. 17.1 of MAR - Inside information

Text of the report:

The Management Board of KRUK S.A. (the "Company") announces that onMarch 29th 2018 it was notified that the Company's subsidiary PROKURA NSFIZ had won the tender to purchase an unsecured retail debt portfoliowhich face value is approximately PLN 147m and corporate secured debtportfolio which face value is approximately PLN 187m from one of thelargest banks in Poland. The relevant agreement related to the tenderwill be announced by the Company promptly after its execution in aseparate report.