Credit Rating of PUMB Confirmed at uaAAA with a Stable Outlook

Kyiv, September 23, 2025 – The independent rating agency Credit-Rating has confirmed the long-term credit rating of First Ukrainian International Bank (PUMB) at the highest level, uaAAA, with a Stable outlook. The agency has also reaffirmed the bank deposit reliability rating at level “5”, which indicates the maximum reliability in terms of resistance to adverse financial or economic factors.

The rating confirmation is based on PUMB’s financial statements for 2023–2024 and the first half of 2025, as well as internal information provided by the bank during the rating process.

The uaAAA rating signifies a very high level of creditworthiness among Ukrainian borrowers and debt instruments, while the “5” level of deposit reliability confirms that the bank remains stable and minimally sensitive to unfavorable market conditions. A Stable outlook reflects the agency’s confidence in the bank’s continued financial resilience.

Factors supporting the credit rating include:

• A significant volume of funds raised from related parties;
• Diversification of the Bank’s funding base across major creditors;
• Diversification of the client loan portfolio across key borrowers;
• An acceptable currency structure of both the funding base and client loan portfolio;
• Diversification of the corporate loan portfolio and funds of business entities by types of economic activity;
• Diversification of banking operations, which reduces the Bank’s sensitivity to external and internal factors that could negatively affect financial performance;
• Strong operational efficiency indicators;
• An extensive regional branch network and a well-developed card business that help retain the client base and maintain competitive market positions.