Current Report: No. 95/2023

Date of the report: December 20th 2023

Subject: Claim assignment agreement with the bank BNP Paribas PersonalFinance of Paris executed on the French market

Legal basis: Article 17_1_ of MAR - Inside information

Text of the report:

The Management Board of KRUK S.A. (the Company) announces that today theCompany's subsidiary InvestCapital Ltd. of Malta (the Buyer) has signeda sale purchase agreement with the bank BNP Paribas Personal Finance ofParis (Agreement, the Bank). Under the Agreement, InvestCapital Ltd.commited to purchase from the Bank a portfolio of freshly overduereceivables with a total face value of approx. EUR 120m (PLN 520m at themid exchange rate quoted by the National Bank of Poland for December20th 2023). The receivables will be acquired by the Buyer on a regularbasis in the form of several batches of future flows of receivables soldmonthly by the Bank over a two year period.

Terms and conditions of the Agreement do not differ from those commonlyused in agreements of such type.