Current Report No. 11/2021

Date of the report: April 9th 2021

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).

Q1 2021

The nominal value of debt purchased by the Group

Q1 2021 Q1 2020 change

PLN 877m PLN 505m + 74%

The expenditure on debt portfolios purchased by the Group

Q1 2021 Q1 2020 change

PLN 159m PLN 57m + 180%

The recoveries from the management of purchased portfolios purchased bythe Group

Q1 2021 Q1 2020 change

PLN 512m PLN 477m + 7%