KRUK S.A.

KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt for institutional clients in Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, and Spain. It purchases and manages debt portfolios, including consumer, mortgage-backed, and SME/corporate debts; and offers consumer unsecured loans, mortgage loans, SME/corporate loans, and credit management services. The company manages the receivables of banks, loan brokers, insurers, leasing companies, landline and mobile telecommunications operators, cable TV operators, digital TV operators, and FMCG companies. It also provides Novum loan services; detective services; financial intermediation agency services, and support for small and medium-sized enterprises; credit information exchange systems; investment fund management services; receivable management services; and portfolio underwriting services. In addition, the company invests in receivables and offers certificates of securitization funds. KRUK Spólka Akcyjna was founded in 1998 and is headquartered in Wroclaw, Poland.