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
	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   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