www.fitchratings.com

Ratings Navigator for BanksTransparency has always been integral to Fitch Ratings’ analytical approach. Our rating process blends a careful mix of comprehensive data and well-tested methodology with independent thinking and insight. Our analysts are experienced, accessible and readily discuss the rationale behind our credit opinions and rating criteria. Ratings Navigator—a visual overview of the key quantitative and qualitative factors we analyze to arrive at an entity’s credit rating—embodies our commitment to providing clarity to investors and issuers. Employed as a key part of Fitch Ratings’ own internal rating process, Ratings Navigator is fully aligned with the agency’s published criteria and clearly articulates how a rating is constructed. Fitch Ratings offers the most comprehensive bank ratings available in the market. It’s our unparalleled coverage in over 150 countries combined with proprietary rating scales, which measure stand-alone financial strength (Viability Rating) as well as external support should an institution fail (Support Rating and Support Rating Floor), that have established Fitch as the global leader in bank ratings. Available with a Fitch Research subscription, Ratings Navigator illustrates a bank’s current and historical Issuer Default Ratings, Viability Ratings and Support Ratings, along with peer group analyses, sector overviews, fundamentals, risk metrics, business drivers and sensitivities. Content is displayed in charts and graphs depicting the key drivers that factor into Fitch’s credit rating decision.

Additional Features ◆ Shows the relative importance of each rating factor in determining the final bank rating and gauges potential rating sensitivity

through trends or outlooks for each factor

◆ Presents the fundamental trends underlying each component of a bank’s credit rating, including operating environment, management, company profile, and financial profile in a digestible format

◆ Provides comparison with direct and broader sector peer groups

◆ Assesses each rating factor using the traditional ‘AAA’ scale as well as sector specific ratings scales, such as Support Ratings and Viability Ratings

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Ratings Navigator for Banks (continued)

About Fitch Ratings

Fitch Ratings is a leading provider of credit ratings, commentary and research. Dedicated to providing value beyond the rating through independent and prospective credit opinions, Fitch Ratings offers global perspectives shaped by strong local market experience and credit market expertise. The additional context, perspective and insights we provide help investors to make important credit judgments with confidence.

Fitch Group is a global leader in financial information services with operations in more than 30 countries. In addition to Fitch Ratings, the group includes Fitch Solutions, a leading provider of credit market data, analytical tools and risk services; Fitch Learning, a provider of learning and development solutions for the global financial services industry; and Business Monitor International, a provider of country risk and industry analysis specializing in emerging and frontier markets. Fitch Group is jointly owned by Paris-based Fimalac, S.A. and New York-based Hearst Corporation.

Key Benefits ◆ Quickly gain a holistic perspective of a bank’s credit risk with a visual representation of the key

components that went into the credit rating

◆ Leverage the objective insight of experienced Fitch Ratings’ bank analysts to make informed investment decisions

◆ Save time and resources by quickly and easily understanding the key factors that went into a credit rating decision with highlighted fundamentals, sector overviews, and business drivers and sensitivities

◆ Access to experienced Fitch Ratings analysts located around the world

◆ Follow an issuer’s industry performance and ratings relative to its peers

For more informationRatings Navigators are offered as a part of Fitch Research—an online subscription service that provides access to premium Fitch research, including special reports and topical market commentary. Visit fitchratings.com to learn more.

Peer Group & Key Financial Metrics