Financial credibility ratings

Bank Pekao S.A. co-operates with three leading credit rating agencies: Fitch Ratings (the Fitch), S&P Global Ratings (S&P), and Moody’s Investors Service. In the case of the first two agencies, the ratings are provided on a solicited basis under relevant agreements and with respect to Moody’s Investors Service the ratings are unsolicited and they are based on publicly available information and review meetings.

As of 31 December 2025, Bank Pekao S.A. had assigned following financial credibility ratings:

FITCH RATINGS	BANK PEKAO S.A.	POLAND
Long-Term Default rating (IDR)	BBB+	A-
Short-Term Default Rating	F2	F1
Viability Rating	Bbb+	–
Government Support Rating	No support	–
Outlook	No support	Negative
National Long-Term Rating	AA-(pol) (No support)	–
National Short-Term Rating	F1+(pol)	–

S&P GLOBAL RATINGS	BANK PEKAO S.A.	POLAND
Long-term rating in foreign currencies	A-	A-
Long-term rating in domestic currency	A-	A
Short-term rating in foreign currencies	A-2	A-2
Short-term rating in domestic currency	A-2	A-1
Stand-alone credit profile	bbb+	–
Outlook	Stable	Stable
Rating of Senior Preferred series SP2 bonds	A-	–
Rating of Senior Non-Preferred series ESN1 eurobonds	BBB	–
Rating of Senior Non-Preferred series ESN2 eurobonds	BBB	–
Rating of Senior Non-Preferred series SN3 bonds	BBB	–
S&P GLOBAL RATINGS (RESOLUTION COUNTERPARTY RATING)	BANK PEKAO S.A.	POLAND
Long – term RCR in foreign currencies	A	–
Short – term RCR in foreign currencies	A-1	–
Long – term RCR in domestic currency	A	–
Short – term RCR in domestic currency	A-1	–

MOODY’S INVESTORS SERVICE (UNSOLICITED RATING)	BANK PEKAO S.A.	POLAND
Long-term foreign-currency deposit rating	A2	A2
Short-term deposit rating	Prime-1	Prime-1
Baseline Credit Assessment	baa2	–
Long-term counterparty risk assessment	A2(cr)	–
Short-term counterparty risk assessment	Prime-1(cr)	–
Outlook	Negative	Negative
Long-term Counterparty Risk Rating (CRR)	A2	–
Short-term Counterparty Risk Rating (CRR)	Prime-1	–

The history of rating changes is available on the Bank’s website

The Bank’s involvement in ESG activities is assessed by the market in international rankings and indices. The Bank’s priority is to increase its position in the rankings regarding activities for the environment, society and corporate governance, resulting from the systematic undertaking and disclosure of activities in the ESG area. More information is available on the Bank’s website: The bank in ESG ratings

The Bank’s website also includes the: „Disclosure to the extent specified by the Principle Adverse Impacts under the SFDR Regulation for Pekao Group as an investee”

Pekao Bank Hipoteczny S.A. financial credibility ratings

Pekao Bank Hipoteczny S.A. (Pekao BH) cooperates with the international rating agency Fitch Ratings. Fitch emphasizes that Pekao BH’s rating is linked to the rating of Bank Pekao S.A., which holds 100% of Pekao BH’s shares. According to Fitch, Pekao BH’s rating is influenced by the level of integration with its parent entity, the scale of its operations, and the Bank’s capital. More information is available on the Pekao Bank Hipoteczny website:

More information is available on the Pekao Bank Hipoteczny website.

Pekao Bank Hipoteczny S.A. financial credibility ratings

Search results