Kruk SA :: *KRUK SA - ADOPTS GROUP STRATEGY FOR 2025-2029 *KRUK SA - PLANS PLN 15 BILLION INVESTMENT IN DEBT PORTFOLIOS *KRUK SA - AIMS TO DOUBLE PORTFOLIOS TO PLN 20 BILLION BY 2029 *KRUK SA - TARGETS 20% RETURN ON EQUITY *KRUK SA - TO INVEST PLN 500 MILLION IN DIGITAL TRANSFORMATION *KRUK SA - TO MAINTAIN NET DEBT-TO-CASH EBITDA RATIO BELOW 3.0 *KRUK SA - TO OPTIMIZE COSTS THROUGH PROCESS IMPROVEMENTS AND TECHNOLOGY