KRUK S.A.: Interim Reports 2Q 2026

The Management Board of KRUK S. A. publishes KRUK Group's report for the period January 1st- June 30th 2026, issued on August 26th 2026.

The report consists of three parts:

1. KRUK Group FS H1 2026_1part
2. KRUK FS H1 2026_2part
3. KRUK_DRO_H1_2026_3part
4. Grupa Kruk Report HY2026_ENG
5. Kruk SA Report HY2026_ENG

Financial highlights

Financial highlights	PLN '000		EUR '000
For the period	1 Jan-30 Jun 2026 unaudited	1 Jan-30 Jun 2025 unaudited	1 Jan-30 Jun 2026 unaudited	1 Jan-30 Jun 2025 unaudited
Revenue	1,572,305	1,599,696	369,763	379,003
Operating profit	785,213	804,059	184,660	190,499
Profit before tax	590,233	585,365	138,807	138,686
Net profit attributable to owners of the Parent	554,616	584,018	130,430	138,367
Net cash from operating activities	421,299	398,482	99,078	94,409
Purchase of debt portfolios at prices as per agreement	864,192	805,454	203,234	190,830
Cash recoveries	2,010,573	1,910,305	472,831	452,593
Net cash from investing activities	(65,312)	(40,849)	(15,360)	(9,678)
Net cash from financing activities	(314,021)	(306,293)	(73,849)	(72,568)
Net change in cash	41,966	51,340	9,869	12,164
Diluted earnings per share (PLN/EUR)	26.74	28.71	6.29	6.80
Average number of shares ('000)	19,510	19,392	19,510	19,392
Earnings per share (PLN/EUR)	28.43	30.12	6.69	7.14
As at	30 Jun 2026 unaudited	31 Dec 2025	30 Jun 2026 unaudited	31 Dec 2025
Total assets	13,535,145	13,032,173	3,150,419	3,083,297
Non-current liabilities	7,006,353	7,075,799	1,630,788	1,674,072
Current liabilities	1,003,595	629,910	233,595	149,031
Equity	5,525,197	5,326,464	1,286,036	1,260,194
Share capital	19,543	19,492	4,549	4,612
Book value per ordinary share	282.72	273.26	65.81	64.65

This information is information that KRUK S.A. is obliged to make public pursuant to the EU Market Abuse Regulation and the Securities Markets Act. The information was submitted for publication, through the agency of the contact persons set out above, at 2026-08-26 17:13 CEST.