PKO Bank Polski S.A. has solicited credit ratings from Moody's Investors Service rating agency, which assesses the Bank's creditworthiness according to its own bank assessment procedure.

On September 23, 2025, Moody's Investors Service announced an upgrade of the following ratings: the baseline credit assessment (BCA) to baa1, the long-term issuer default rating and long-term issuer default rating outlook to A1 and A1(cr), respectively, the senior non-preferred unsecured bonds and the MTN program rating of these bonds to Baa1 and (P)Baa1, and the affirmation of all other ratings for PKO Bank Polski S.A.  The stable outlook for the Bank's long-term deposit rating was also affirmed. The short-term counterparty risk rating was maintained at P-1.

Counterparty risk ratings reflect an entity’s ability to settle an unsecured portion of the counterparty’s financial liabilities not related to a debt (CRR liabilities) and the expected financial losses in the case of failing to settle such liabilities. Examples of CRR liabilities include the uncollateralized portion of liabilities arising from derivatives transactions and the uncollateralized portion of liabilities under sale and repurchase agreements. Detailed information about Moody's methodology and rating scale is included on the agency's website.

 

Values of the Bank's Group financial commitments with details of overdue liabilities as at 30 June 2025 in PLN million:

 

 

 

Forecasts concerning financial liabilities

^{* total liabilities of the balance sheet is understood as total liabilities excluding equity}

 

• ^{total liabilities of the balance sheet is understood as total liabilities excluding equity}

 

^{* total liabilities of the balance sheet is understood as total liabilities excluding equity}