Current Report No. 1/2019

Date of the report: January 10th 2019

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.

Q4 2018

The nominal value of debt purchased by the Group

Q4 2018 Q4 2017 change

PLN 2.612m PLN 6.409m - 59%

The expenditure on debt portfolios purchased by the Group

Q4 2018 Q4 2017 change

PLN 341m PLN 210m +65%

The recoveries from the management of purchased portfolios purchased bythe Group

Q4 2018 Q4 2017 change

PLN 432m PLN 375m +15%

Y 2018

The nominal value of debt purchased by the Group

Y 2018 Y 2017 change

PLN 8.853 PLN 16.403m -46%

The expenditure on debt portfolios purchased by the Group

Y 2018 Y 2017 change

PLN 1.395m PLN 976m +43%

The recoveries from the management of purchased portfolios purchased bythe Group

Y 2018 Y 2017 change

PLN 1.576 PLN 1.369m +15%

The finally determined financial results for 2018 will be disclosed inthe separate and consolidated annual report of the KRUK Group for 2018.