Agency	Date awarded	Long-term rating	Short-term rating	Outlook
Agency		Date awarded	16/01/2019	Long-term rating	BB	Short-term rating	B	Outlook	stable
Agency		Date awarded	27/01/2020	Long-term rating	BB	Short-term rating	B	Outlook	stable

Full rating assessment of the Bank awarded by Standard and Poor’s Global Ratings is as follows:

• Long-Term Issuer Credit Rating at “BB” with stable outlook,
• Short-Term Issuer Credit Rating at “B”.

Definitions of S&P ratings are available on the Agency’s website www.standardandpoors.com , which also publishes rating scales, criteria and credit rating methodologies.

Full rating assessment of the Bank awarded by Fitch Ratings Ltd. is as follows:

• Long-Term Foreign Currency IDR: BB with stable outlook,
• Short-Term Foreign Currency IDR: B,
• National Long-Term Rating: BBB+(pol), with stable outlook,
• National Short-Term Rating: F1(pol),
• Viability Rating (VR): BB,
• Support Rating: 5,
• Support Rating Floor: ‘No Floor’.

Definitions of Fitch Ratings Ltd. ratings are available on the Agency’s website www.fitchratings.com, which also publishes ratings, criteria and methodologies.