Current Report No. 13/2026

Date: April 8th 2026

Subject: Expenditure on and recoveries from debt portfolios

Legal basis: Article 17_1_ of MAR - Inside information

Text of the report:

In line with the adopted disclosure policy, KRUK S.A. discloses theamount of expenditure on and recoveries from the management of debtportfolios purchased by the KRUK Group (Group).

Q1 2026

The nominal value of debt purchased by the Group

Q1 2026 Q1 2025 change

PLN 1,740m PLN 1,089m 60%

The expenditure on debt portfolios purchased by the Group

Q1 2026 Q1 2025 change

PLN 513m PLN 229m 124%

The recoveries from the management of purchased portfolios purchased bythe Group

Q1 2026 Q1 2025 change

PLN 971m PLN 923m 5%Deviation between actual and projectedrecoveries*

Q1 2026

PLN 34m

Percentage deviation between actual and projected recoveries**

Q1 2026

4%

*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 Q1 2026 will be disclosedin the report of the KRUK Group for Q1 2026, scheduled for issue onApril 29th 2026.