Half Year 2025 Kruk SA Earnings Call Transcript
Good afternoon. My name is Michal Zasepa. I'm CFO at KRUK, and it's my pleasure to host the communication for the second quarter and first half results of 2025. You should see on the screen the presentation, which is also available on our website. Please give me several minutes to present.
And in the meantime, ask questions via chat Teams application here, and I will refer to those questions, answer them after the presentation. So let's start.
This was a very good six months for the company. We earned PLN584 million of net profit. Compared to our expectations and budgeting, this is better than what we planned. Still, it's 3% less than last year, but please remember, there was an extraordinary high base for the last year. So this is nothing to worry if you are asking yourself the questions, are we on a path to grow net profit this year? Yes, we are.
Recoveries overall were very good. And there were markets where they were better. There were markets where they were somewhat less than very good. But
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