Current Report No. 55/2025

Date of the report: October 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.

Q3 2025

The nominal value of debt purchased by the Group

Q3 2025 Q3 2024 change

PLN 2,767m PLN 3,360m -18%

The expenditure on debt portfolios purchased by the Group

Q3 2025 Q3 2024 change

PLN 622m PLN 743m -16%

The recoveries from the management of purchased portfolios purchased bythe Group

Q3 2025 Q3 2024 change

PLN 1,011m PLN 864m +17%

Deviation between actual and projected recoveries*

Q3 2025

PLN 64.23 m

Percentage deviation between actual and projected recoveries**

Q3 2025

7%

I-IIIQ 2025

The nominal value of debt purchased by the Group

I-IIIQ 2025 I-IIIQ 2024 change

PLN 6,437m PLN 9,183m -30%

The expenditure on debt portfolios purchased by the Group

I-IIIQ 2025 I-IIIQ 2024 change

PLN 1,427m PLN 1,643m -13%

The recoveries from the management of purchased portfolios purchased bythe Group

I-IIIQ 2025 I-IIIQ 2024 change

PLN 2,921m PLN 2,602m +12%

*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 3Q 2025 will be disclosedin the report of the KRUK Group for 3Q 2025, scheduled for issue onOctober 29th 2025.