Current Report No. 4/2026: Preliminary estimates of the KRUK Group's financial results for the fourth quarter of 2025

Having been notified, on February 20th 2026, of the preliminary estimate of the consolidated net result of the KRUK Group for the fourth quarter of 2025, the Management Board of KRUK S.A. (the “Company”) has decided to announce the results to the public: 
- estimated consolidated net profit of the KRUK Group for 4q2025 was: PLN 208m (for the period from January 1st to December 31st, 2025 was: PLN 1,086m);
- estimated cash EBITDA of the KRUK Group for 4q2025 was: PLN 658m (for the period from January 1st to December 31st, 2025 was: PLN 2,665m); 
- estimated net debt to cash EBITDA ratio of the KRUK Group on the end of 4q2025 was: 2.6;
The above figures are subject to change.
The unaudited financial data will be disclosed in the KRUK Group’s consolidated report for the fourth quarter of 2025, slated for release on February 26th 2026. The audited data will be disclosed in the consolidated report of the KRUK Group for 2025, scheduled for issue on March 10th 2026.