Resolution of Management Board on issue of bonds under Tenth Bond Issue Programme

Further to Current Report No. 39/2023 of May 22nd 2023 on the launch of the Tenth Bond Issue
Programme (the “Programme”), the Management Board of KRUK S.A. (the “Issuer” or the “Company”)
announces that on September 14th 2023 it passed a resolution on the issue and determination of the
final terms and conditions of the issue of Series AO2 bonds (the “Bonds”). The Bonds will be offered
under the Programme, which is covered by the Base Prospectus approved by the Polish Financial
Supervision Authority on July 11th 2023, available from the Company’s website: www.kruksa.pl The
Bonds will be offered to the public, and the public offering will comprise up to 900,000 unsecured
Bonds. The Bonds will have book-entry form and the Company will seek to introduce them to trading
on the regulated Catalyst market operated by the Warsaw Stock Exchange. The Company announces
that the Bonds will be offered at the issue price equal to their nominal value of PLN 100 per Bond, and
that their total nominal value will not exceed PLN 90m. The Bonds bear interest at a variable rate
equal to 3M WIBOR (the rate charged for three-month borrowings denominated in PLN on the Polish
interbank market) plus a fixed margin of 4.00 percentage points per annum. The Company will
redeem the Bonds on the maturity date set out in the final terms and conditions of their issue, with
the proviso that the Issuer will have a call option to redeem early all or some of the subscribed Bonds.
At the same time, the Company announces that detailed terms and conditions of the offering of the
Bonds will be included in the final terms and condition of their issue, to be published on the Issuer’s
website www.kruksa.pl .

Contacts
Anna Kowalczyk
tel. no.: +48 71 790 2280
e-mail: ir@kruksa.pl

Tomasz Kałuziak
tel. no.: +48 71 345 6789
e-mail: ir@kruksa.pl

About Us
KRUK Group is a leading European player in debt management sector. The company was established
in 1998 and now operates in Poland, Romania, Italy, Spain, Czechia and Slovakia, as well as holds
assets in Germany. KRUK is present on Warsaw Stock Exchange in Poland and is also regular issuer
of bonds on Warsaw Bond Market - Catalyst.

This information is information that KRUK S.A. is obliged to make public pursuant to the EU Market
Abuse Regulation. The information was submitted for publication, through the agency of the contact
persons set out above, at 2023-09-14 17:05 CEST.