Current Report No. 47/2019

Date of the report: October 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. announces theexpenditure on debt portfolios and recoveries from the management ofpurchased portfolios purchased by the KRUK Group (Group).

Q3 2019

The nominal value of debt purchased by the Group

Q3 2019 Q3 2018 change

PLN 734m PLN 3.742m -80%

The expenditure on debt portfolios purchased by the Group

Q3 2019 Q3 2018 change

PLN 83m PLN 647m -87%

The recoveries from the management of purchased portfolios purchased bythe Group

Q3 2019 Q3 2018 change

PLN 433m PLN 381m +14%

Q1-Q3 2019

The nominal value of debt purchased by the Group

Q1-Q3 2019 Q1-Q3 2018 Change

PLN 4 022 m PLN 6.241m -38%

The expenditure on debt portfolios purchased by the Group

Q1-Q3 2019 Q1-Q3 2018 change

PLN 392m PLN 1.054m -63%

The recoveries from the management of purchased portfolios purchased bythe Group

Q1-Q3 2019 Q1-Q3 2018 change

PLN 1.307m PLN 1.144m +14%