|Rating agency||Long-term Credit Rating||Short-term Credit Rating||Rating Outlook||Other|
|Standard & Poors's||BBB-||A-3||Negative||SACP*: bbb-|
Baseline Credit Assessment (BCA): ba1
Adjusted BCA: ba1
Long-term Counterparty Risk Assessment (CRA): A3(cr)
Short-term CRA: P-2(cr)
** In 2015 NLB d.d. terminated contractual relationship with Moody’s international rating agency. Further on, Moody’s will maintain the bank’s ratings solely based on publicly available information.