Bank Handlowy w Warszawie S.A. has full rating from Moody's Investors Service and Fitch Ratings. Additionally, the Bank has rating from Standard and Poor's, which is 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
	Baa1	Baa1	Prime-2	Prime-2	D+

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

Fitch Ratings

	Long-term Issuer Default Rating (IDR)	Short-term Issuer Default Rating (IDR)	Viability rating*	Support rating
	A-	F2	bbb+	1

The outlook for long-term IDR is stable.

* Viability rating represents the Fitch's view as to the intrinsic creditworthiness of an issuer, excluding any impact of external factors.

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