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KRUK is a bulk debt collection company. Purchasing and collection of past due consumer debt portfolios (mainly banking receivables) is KRUK’s largest business segment (84% of revenues in 2011). The second key business segment is contingency debt collection where revenues are commission-based.
The combination of these two segments under one roof gives the company an exceptional position on the market, reduces the risk of investing activities and ensures cost optimization. KRUK is the owner of Rejestr Dłużników ERIF (ERIF Register of Debtors), one of three licensed credit information bureaus in Poland. ERIF is a powerful tool supporting debt collection. KRUK is Poland’s largest debt collection company. Since 2007 it has been operating in Romania where it is also a market leader. 2011 witnessed the start of KRUK’s activity in the Czech Republic and Slovakia.
Since May 2011 the company is quoted on the Warsaw Stock Exchange. KRUK uses an innovative pro-settlement strategy towards debtors - repayment of thousands of debts is arranged in instalments. This strategy is supported by media campaigns and its purpose is to persuade people with debts to start negotiations with KRUK concerning repayment of their debts.
| Leveraging market growth and keeping the leading position |
♦ debt collection market has been growing and is not affected by economic slowdown. The value of debt puchases in Poland grew by ca. 160% in 2011 in comparison with 2010 from around PLN 0.4bn to PLN 1.2bn. ♦ KRUK as an effective and the most experienced organisation intends to maintain its leading position on the growing market of debt purchasing and contingency-based consumer debt collection in Poland and Romania |
| International expansion | ♦ the company’s dynamic growth on the Romanian market confirms the effectiveness of our organisation and of our new market development strategy ♦ KRUK plans to become the market leader in Central Europe; it entered the Czech and Slovak markets in 2011 and in 2012 will start operations in Hungary |
| New products | ♦ development of KRUK’s unique services: ERIF Register of Debtors, in accordance with the audited report by KPMG, the ERIF database grew in 2011 by 105% on the preceding year and at the end of September contained over 1 million records ♦ cash loan project “Novum” for former KRUK debtors who have paid their debts in installments but remain excluded from banking services |
Structure of KRUK Capital Group
For more information on financial highlights click HERE
For detailed information on shareholder structure click HERE
Download Factsheet 
20120411_kruk_fact_sheet_FY2011.pdf
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