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.
Q4 2025
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The nominal value of debt portfolios purchased by the Group |
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Q4 2025 |
Q4 2024 |
change |
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PLN 3 615m |
PLN 5 424m |
-33% |
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The expenditure on debt portfolios purchased by the Group |
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Q4 2025 |
Q4 2024 |
change |
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PLN 796m |
PLN 1 185m |
-33% |
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The recoveries from the management of debt portfolios purchased by the Group |
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Q4 2025 |
Q4 2024 |
change |
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PLN 999m |
PLN 935m |
+7% |
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Deviation between actual and projected recoveries* |
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Q4 2025 PLN 34,7m |
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Percentage deviation between actual and projected recoveries** |
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Q4 2025 4% |
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Y 2025
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The nominal value of debt portfolios purchased by the Group |
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Y 2025 |
Y 2024 |
change |
|
PLN 10 052m |
PLN 14 607m |
-31% |
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The expenditure on debt portfolios purchased by the Group |
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Y 2025 |
Y 2024 |
Change |
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PLN 2 223m |
PLN 2 828m |
-21% |
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The recoveries from the management of debt portfolios purchased by the Group |
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Y 2025 |
Y 2024 |
change |
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PLN 3 920m |
PLN 3 536m |
+11% |
*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 Q4 2025 will be disclosed in the report of the KRUK Group for Q4 2025, scheduled for issue on February 26th 2026.