Current Report No. 46/2025

Date of the report: July 8th 2025

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.

Q2 2025

The nominal value of debt purchased by the Group

Q2 2025 Q2 2024 change

PLN 2581m PLN 3608m -28%

The expenditure on debt portfolios purchased by the Group

Q2 2025 Q2 2024 change

PLN 577m PLN 565m +2%

The recoveries from the management of purchased portfolios purchased bythe Group

Q2 2025 Q2 2024 change

PLN 987m PLN 883m +12%

Deviation between actual and projected recoveries*

Q2 2025

PLN 75,8m

Percentage deviation between actual and projected recoveries**

Q2 2025

8%

IH 2025

The nominal value of debt purchased by the Group

IH 2025 IH 2024 change

PLN 3670m PLN 5824m -37%

The expenditure on debt portfolios purchased by the Group

IH 2025 IH 2024 change

PLN 805m PLN 900m -11%

The recoveries from the management of purchased portfolios purchased bythe Group

IH 2025 IH 2024 change

PLN 1910m PLN 1738m +10%

*Position "Deviation between actual and projected recoveries, decreaseson early collections in collateralised cases, payments from originalcreditor" in the financial statements.

**Percentage deviation between actual and projected recoveriesdetermined as the ratio of deviation between actual and projectedrecoveries'* to the difference between 'actual recoveries' and'deviation between actual and projected recoveries'*.

The finally determined financial results for IH 2025 will be disclosedin the report of the KRUK Group for IH 2025, scheduled for issue onAugust 26th 2025.