Financial credibility ratings

Bank Pekao S.A. 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 2024, Bank Pekao S.A. had assigned following financial credibility 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	Stable	Stable
National Long-Term Rating	AA-(pol) (stable outlook)	–
National Short-Term Rating	F1+(pol)	–

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	Stable	Stable
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: https://www.pekao.com.pl/en/investors-relations/bonds-and-ratings/ratings.html

Bank Pekao's position in ESG ratings and indices

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: https://www.pekao.com.pl/esg/ .

Pekao Bank Hipoteczny S.A. financial credibility ratings

Pekao Bank Hipoteczny S.A. cooperates with the international rating agency Fitch Ratings.

Fitch emphasizes that the rating of Pekao Bank Hipoteczny S.A. is linked to the rating of Bank Pekao S.A., which holds 100% of the Bank’s shares. According to Fitch, the rating of Pekao Bank Hipoteczny S.A. is influenced by the level of integration with the parent entity and the scale of operations and the Bank’s capital.

At the end of December 2024, the long-term rating of Pekao Bank Hipoteczny S.A., assigned by the Fitch rating agency, was BBB with a „Stable” outlook. Covered bonds issued by Pekao Bank Hipoteczny S.A. had a „BBB+” rating. In the review of 22 January, 2025, Fitch maintained the ratings for Pekao Bank Hipoteczny S.A. at an unchanged level.

A high rating of the bonds means that Pekao Bank Hipoteczny S.A. has the ability to issue securities with a high level of security and obtain long-term funds for credit activities.

More information is available on the Pekao Bank Hipoteczny website: https://www.pekaobh.pl/relacje-inwestorskie/raporty-ratingi.html

Financial credibility ratings

Bank Pekao S.A. financial credibility ratings

Bank Pekao's position in ESG ratings and indices

Pekao Bank Hipoteczny S.A. financial credibility ratings

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