Bank Handlowy w Warszawie S.A. has full rating from Moody's Investors Service. Additionally, the Bank has ratings from Fitch and Standard and Poor's, which are based on public information. Moody's Investors Service

	Long-term deposit rating in local currency	Long-term deposit rating in foreign currency	Short-term deposit rating in local currency	Short-term deposit rating in foreign currency	Financial Strength
	A2	A2	Prime-1	Prime-1	C-

Outlook for financial strength: stable.
Outlook for long-term deposit rating in local currency and foreign currency: stable.

Fitch Ratings   Support rating 1

The highest rating on 5-point rating scale indicating very high probability of external support from Citigroup

Standard&Poor's   Long-term local currency rating BBBpi