Ratings

Legenda

Long-term: It is a measure of the probability of default and expresses the bank's ability to repay medium / long-term loans. It is expressed on a scale from AAA to D.

Short-term: Measures the ability of the organization to which the rating is assigned to meet financial commitments due in the short term. The measurement scale includes six levels (R-1; R-2; R-3; R-4; R-5 and D).

Intrinsic Assessment: It reflects DBRS's view on the likelihood and predictability of timely external support for the bank in case of need. The measurement scale includes four levels from SA1 (best) to SA4 (worst).

Support Assessment: It reflects DBRS's view on the likelihood and predictability of timely external support for the bank in case of need. The measurement scale includes four levels from SA1 (best) to SA4 (worst).

Trend: It is a prospective assessment of the possible evolution of the long-term rating assigned over a period of 1-2 years.

Long-term Deposit Rating: This is a measure that expresses the vulnerability to default of medium / long-term uninsured deposits. It is expressed on a scale similar to that used for the long-term rating (from AAA to D).

Short-term Deposit Rating: This is a measure that expresses the vulnerability to default of short-term uninsured deposits. It is expressed on a scale similar to that used for the short-term rating (R-1; R-2; R-3; R-4; R-5 and D).

Long-term Senior Debt: This is a measure of the probability of default of Senior Preferred bonds that is expressed using a scale from AAA to D.

Short-term Debt: This is a measure of the probability of default of short-term bonds that is expressed using a scale from R-1 to D.

Subordinated Debt: This is a measure of the probability of default of Subordinated Tier 2 bonds that is expressed using a scale from AAA to D.

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Rating 2019-2025

Legenda

Issuer rating: Represents a credit rating on the ability of a bank to meet its contractual financial commitments in a timely and complete manner. It is expressed on a scale from AAA to D.

Outlook: It is a forward-looking assessment of the possible evolution, over a period of 12-18 months, of the issuer rating assigned.

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Legenda

Stand alone credit profile: It measures the stand-alone creditworthiness of a company based on the analysis of financial fundamentals. It is expressed on a scale from AAA to D.

Long-term Issuer Credit Rating: It is a measure of the probability of default and expresses the bank's ability to meet its medium- to long-term financial commitments. It is expressed on a scale from AAA to D.

Short-Term Issuer Credit Rating: It measures the ability of the organization to which the rating is assigned to meet financial commitments due in the short term. The measurement scale includes six levels (A-1; A-2; A-3; B; C e D).

Long-term Resolution Counterparty Rating: It reflects S&P Global Ratings' opinion of the bank's creditworthiness with respect to the timely fulfilment of certain medium- to long-term financial liabilities that may be protected, as part of a possible resolution (bail-in) process. It is expressed on a scale from AAA to CC.

Short-term Resolution Counterparty Rating: It reflects S&P Global Ratings' opinion of the bank's creditworthiness with regard to the timely fulfilment of certain short-term financial liabilities that may be protected, as part of a possible resolution (bail-in) process. The measurement scale includes six levels from A-1 (best) to SD and D (worst).

Outlook: It is a forward-looking assessment of the possible evolution over a future period, usually over 1-2 years, of the assigned long-term rating. Any changes in economic and financial conditions are taken into consideration when determining the outlook.

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