08/07/2025

Expenditure on and recoveries from debt portfolios

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

IH 2025

IH 2024

change

PLN 1910m

PLN 1738m

+10%

 

 *Position „Deviation between actual and projected recoveries, decreases on early collections in collateralised cases, payments from original creditor” in the financial statements.

**Percentage deviation between actual and projected recoveries determined as the ratio of deviation between actual and projected recoveries’* to the difference between ‘actual recoveries’ and ‘deviation between actual and projected recoveries’*.

 

The finally determined financial results for IH 2025 will be disclosed in the report of the KRUK Group for IH 2025, scheduled for issue on August 26th 2025.

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