Ratings


Moody's Rating	November 2024 (Latest Opinion)
Baseline Credit Assessment (BCA)	a3
Long Term Senior Debt Rating Outlook	Baa1 Stable
Short Term Senior Debt Rating	P-2
Long Term Deposit Rating Outlook	A2 Stable
Short Term Deposit Rating	P-2
Covered Bonds *	Aaa
* latest opinion in January 2025


S&P Global Ratings	March 2025 (Latest Opinion)
Stand Alone Credit Profile (SACP)	a-
Long Term Issuer Credit Rating (ICR) Outlook	A Stable
Short Term Issuer Credit Rating (ICR)	A-1


DBRS Morningstar	October 2024 (Latest Opinion)
Intrisic Assessment (IA)	A (low)
Long Term Debt Rating Trend	A (low) Positive
Short Term Debt Rating Trend	R-1 (low) Stable
Long Term Deposit Rating Trend	A Positive
Short Term Deposit Rating Trend	R-1 (low) Stable

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