RATINGS

RATINGS BY ISSUER

Instrument	Market	Amount	S&P	Moody's
Instrument NEU CP Program	Market french	Amount € 4,500 m	S&P A-3	Moody's P2
Instrument Euro MTN Program	Market euro	Amount € 23,000 m	S&P BBB- (stable outlook)	Moody's Baa1 (stable outlook)
Instrument NEU MTN Program	Market french	Amount € 2,000 m	S&P BBB- (stable outlook)	Moody's Baa1 (stable outlook)
Instrument TIER 2 Subordinated Notes n°19-517	Market euro	Amount € 850 m	S&P BB	Moody's Ba1 (stable outlook)

Instrument	Market	Amount	S&P	Moody's	Other
Instrument Bonds	Market Brazilian	Amount BRL 3,841 m (*outstandings)		Moody's AA+.br (stable outlook)

Instrument	Market	Amount	S&P	Moody's	Other
Instrument NEU MTN Program	Market french	Amount € 1,500 m	S&P BBB- (stable outlook)
Instrument NEU CP Program	Market french	Amount € 1,000 m	S&P A-3

Instrument	Market	Amount	S&P	Moody's	Other
Instrument CDT : Certificado de depósito a Término	Market Colombian	Amount COP1,020 billion(*outstandings)	S&P AAA.co
Instrument Bonds	Market Colombian	Amount COP 189 billion* (outstandings)	S&P AAA.co

Instrument	Market	Amount	S&P	Moody's	Other
Instrument TIER 2 Subordinated	Market Moroccan	Amount MAD 68 million (*outstandings)
Instrument BSF Program	Market Moroccan	Amount MAD 3,500 million

Instrument	Market	Amount	S&P	Moody's	Other
Instrument Bonds	Market South Korean	Amount KRW 1,330 bn* (*outstandings)			Other KR, KIS, NICE : A+

Instrument	Market	Amount	S&P	Moody's	Other
Instrument Bond Program	Market Argentinian	Amount USD 150 m		Moody's A+ (arg) (stable oulook)	Other Fix Scr : AA (arg) (stable outlook)

RATING AGENCIES

Document name	Date	Download
Document name RCI Company Profile (04 octobre 2024)	Date 07/10/2024	Download Issuer_Profile-RCI-Banque-Key-facts-and-04Oct2024-PBC_1423894.pdf pdf192.72 KB
Document name RCI Rating Update (05 Juin 2024)	Date 07/06/2024	Download RCI Rating Update (06 Juin 2024).pdf pdf45.78 KB
Document name RCI Company Profile (24 octobre 2023)	Date 27/10/2023	Download Issuer_Profile-RCI-Banque-Key-facts-and-stats_24_Oct_2023.pdf pdf1.29 MB
Document name RCI Banque Credit Opinion (August 17th, 2023)	Date 23/08/2023	Download Credit_Opinion-RCI-Banque-Update-following-17Aug2023-PBC_1352971_0.pdf pdf1.26 MB
Document name RCI Rating Update (August 4th, 2023)	Date 04/08/2023	Download Rating_Action-Moodys-upgrades-RCI-Banques-04Aug2023-PR_479214.pdf pdf147.52 KB
Document name RCI Rating Action (November 22th, 2022)	Date 22/11/2022	Download Rating Action-Moodys-affirms-RCI-Banques-rat-22Nov2022_0.pdf pdf80.81 KB
Document name RCI Banque Credit Opinion (May 6th, 2022)	Date 02/09/2022	Download Credit Opinion - RCI-Banque - 06May22.pdf pdf1.21 MB
Document name RCI Credit Opinion ( August 12th, 2021)	Date 12/08/2021	Download rci_co_final_published (1).pdf pdf1.27 MB
Document name RCI Credit Opinion (February 5th, 2021)	Date 05/02/2021	Download moodys_credit_opinion_05-02-2021.pdf pdf1.2 MB
Document name RCI Periodic review (October, 21st 2020)	Date 21/10/2020	Download portfolio_review_pr_-_rci_banque.pdf pdf113.9 KB
Document name RCI Credit Opinion (July 23th, 2020)	Date 23/07/2020	Download rci_co_july_2020.pdf pdf1.21 MB
Document name Credit Research (June 3rd, 2020)	Date 03/06/2020	Download rating_action_-_moodys-downgrades-rci-banques-deposit-and-senior-unsecured-ratings-to-baa2-out._-_03jun20.pdf pdf119.2 KB
Document name RCI Company Profile (May 14th , 2020)	Date 14/05/2020	Download 2020.05.14_moodys_rci_banque_company_profile_final_published.pdf pdf1.33 MB
Document name RCI Credit Opinion (April 8th, 2020)	Date 09/04/2020	Download rci_banque_co_04-2020_published.pdf pdf1.21 MB
Document name Credit Research (March 31st, 2020)	Date 31/03/2020	Download rci_banque_03-2020_published.pdf pdf119.86 KB
Document name RCI Credit Opinion (September 27th, 2019)	Date 27/09/2019	Download 2019.09.27_moodys_rci_banque_credit_opinion_published.pdf pdf1.21 MB
Document name RCI Company Profile (May 27th, 2019)	Date 27/05/2019	Download 2019.05.27_moodys_rci_banque_company_profile_final_published.pdf pdf1.32 MB
Document name RCI Credit Opinion (March 28th, 2019)	Date 28/03/2019	Download 2019.03.28_moodys_rci_banque_credit_opinion_published_0.pdf pdf1.22 MB
Document name Credit Research (March 13th, 2019)	Date 13/03/2019	Download 2019.03.13_moodys_rci_banque_press_release_changes_outlook_0.pdf pdf49.47 KB
Document name RCI Credit Opinion (January 25th, 2019)	Date 25/01/2019	Download rci_credit_opinion_january_25th_2019_0.pdf pdf1.22 MB
Document name RCI Credit Opinion (August 03rd, 2018)	Date 03/08/2018	Download 2018.08.03_moody_s_credit_opinion_on_rci_banque.pdf pdf1.22 MB
Document name RCI Company Profile (June 29th, 2018)	Date 29/06/2018	Download 2018.06.29_company_profile_rci_banque_june_2018_final_published.pdf pdf1.33 MB
Document name RCI Credit Opinion (February 14th, 2018)	Date 14/02/2018	Download 2018.02.14_moodys_credit_opinion_on_rci_banque.pdf pdf1.21 MB
Document name Credit Research (January 26th, 2018)	Date 26/01/2018	Download 2018.01.26_rci_rating_action_positive_outlook.pdf pdf112.84 KB
Document name RCI Credit Opinion (November 13th, 2017)	Date 13/11/2017	Download 2017.11.13_moodys_credit_opinion_on_rci_banque.pdf pdf1.21 MB
Document name RCI Company Profile (July 25th, 2017)	Date 25/07/2017	Download 2017.07.25_moodys_company_profile_rci.pdf pdf1.3 MB
Document name RCI Credit Opinion (May 18th, 2017)	Date 18/05/2017	Download 2016.05.18_moodys_credit_opinion_on_rci_banque.pdf pdf1.2 MB
Document name RCI Credit Opinion (November 24th, 2016)	Date 24/11/2016	Download 2016.11.24_moodys_credit_opinion_on_rci_banque.pdf pdf1.36 MB
Document name RCI Company Profile (July 25th, 2016)	Date 25/07/2016	Download 2016.07.25_moodys_company_profile_rci_banque_republished_2016.08.02_0.pdf pdf922.77 KB
Document name RCI Credit Opinion (June 2nd, 2016)	Date 02/06/2016	Download 2016.06.02_moodys_credit_opinion_on_rci_banque.pdf pdf1.34 MB
Document name RCI Issuer Comment (January 18th, 2016)	Date 18/01/2016	Download 2016.01.18_rci_achieves_30_deposit_funding_target_a_credit_positive.pdf pdf794.96 KB
Document name Review on Auto Financing banks (December 11th, 2015)	Date 11/12/2015	Download 2015.12.11_auto_financing_banks_expanded_deposit-taking_is_credit_positive.pdf pdf1.52 MB
Document name RCI Issuer Comment (January 22nd, 2015)	Date 22/10/2015	Download 2015.01.22_moodys_issuer_comment_on_rci_banque.pdf pdf1.24 MB
Document name RCI Company Profile (September 15th, 2015)	Date 15/09/2015	Download 2015.09.15_moodys_company_profile_rci_banque.pdf pdf899.96 KB
Document name RCI Credit Opinion (July 8th, 2015)	Date 08/07/2015	Download 2015_07_08_moodys_credit_opinion_on_rci_banque.pdf pdf145.56 KB
Document name Moody’s review on French banks (June 23rd, 2015)	Date 23/06/2015	Download 2015.06.23_moodys_review_on_french_banks.pdf pdf141.97 KB
Document name RCI Credit Opinion (March 24th, 2015)	Date 24/03/2015	Download 2015.03.24_moodys_credit_opinion_on_rci_banque.pdf pdf145.38 KB
Document name RCI Credit Opinion (January 09th, 2015)	Date 09/01/2015	Download 2015.01.09_moodys_credit_opinion_on_rci_banque.pdf pdf150.87 KB
Document name RCI Company Profile (October 23rd, 2014)	Date 23/10/2014	Download moodys_company_profile_rci_banque_2014.10.23.pdf pdf940.58 KB
Document name RCI Credit Opinion (July 30th, 2014)	Date 30/07/2014	Download moodys_credit_opinion_on_rci_banque_30-jul-2014.pdf pdf150.9 KB
Document name RCI Issuer Comment (January 20th, 2014)	Date 20/01/2014	Download moodys_issuer_comment_on_rci_banque_-_20_01-2014.pdf pdf801.52 KB
Document name RCI Credit Opinion (January 17th, 2014)	Date 17/01/2014	Download moodys_credit_opinion_on_rci_banque_-_17-01-2014.pdf pdf150.7 KB
Document name Key rating drivers for European car financiers (February 05th, 2013)	Date 05/02/2013	Download moodys_-_key_rating_drivers_for_european_car_financiers_05_02_2013.pdf pdf837.86 KB
Document name Review on Auto Finance Institutions (January 18th, 2013)	Date 18/01/2013	Download moodys_rating_action_-_18_janvier_2013.pdf pdf74.6 KB

Document name	Date	Download
Document name RCI Banque Credit Opinion (December 19th, 2024)	Date 23/12/2024	Download RatingsDirect_RCIBanque_3302149_Dec-19-2024.pdf pdf1.09 MB
Document name RCI Banque Credit Opinion (September 29th, 2023)	Date 02/10/2023	Download RatingsDirect_RCIBanque_56129728_Oct-02-2023.PDF PDF1.57 MB
Document name RCI Banque - Withdrawal of Euro Cp program rating	Date 15/02/2023	Download RCI Banque EURO CP Program.PDF PDF115.86 KB
Document name RCI Banque Credit Opinion (September 1st, 2022)	Date 02/09/2022	Download RCI Banque - Full Analysis -- Sept 2022.PDF PDF1.44 MB
Document name Rating Actions On French Banks (February 2nd, 2022)	Date 17/02/2022	Download Ratings On 12 French Banks Affirmed Under Revised Criteria For Financial Institutions - 2022.02.02_0.PDF PDF181.77 KB
Document name RCI Credit Opinion (September 17th, 2021)	Date 17/09/2021	Download 2021.09.17_rci_banque_full_analysis_1.pdf pdf1.08 MB
Document name Rating Actions On French Banks	Date 24/06/2021	Download various_rating_actions_on_french_banks_as_easing_macroeconomic_downside_risk_is_dampened_by_structural_profit_pressure.pdf pdf173.82 KB
Document name RCI Credit Opinion (July, 9th, 2020)	Date 09/07/2020	Download sp_credit_opinion_09-07-2020.pdf pdf976.15 KB
Document name RCI Research update (April 10th 2020)	Date 10/04/2020	Download rci_banque_-_affirmation.pdf pdf129.05 KB
Document name RCI Research update (February 20th, 2020)	Date 29/02/2020	Download sp_rci_research_update_20_fevrier_2020.pdf pdf127.37 KB
Document name €850 Million Tier 2 Subordinated Notes Rated 'BB'	Date 13/11/2019	Download pdfarticlegeneratorservlet.pdf pdf194.72 KB
Document name RCI Research update (October 28th, 2019)	Date 28/10/2019	Download rci_research_opdate_28_octobre_2019.pdf pdf113.68 KB
Document name RCI Credit Opinion (August 22nd, 2019)	Date 22/08/2019	Download 2019.08.22_rci_banque_-_full_analysis.pdf pdf828.53 KB
Document name RCI Research update (February 26th, 2019)	Date 26/02/2019	Download rci_research_update_26_fevrier_2019.pdf pdf396.1 KB
Document name RCI Credit Opinion (August 23rd, 2018)	Date 23/08/2018	Download 2018.08.23_sp_credit_opinion_on_rci_banque.pdf pdf710.97 KB
Document name RCI Research update (November 30th, 2017)	Date 30/11/2017	Download 2017.11.30_rci_banque_bbb_a-2_ratings_affirmed_following_upgrade_of_parent_renault.pdf pdf275.07 KB
Document name RCI Credit Opinion (June 28th, 2017)	Date 28/06/2017	Download 2017.06.28_sp_credit_opinion_on_rci_banque.pdf pdf398.11 KB
Document name RCI Research update (July 20th, 2016)	Date 20/07/2016	Download rci_research_update_20_07_2016.pdf pdf384.77 KB
Document name RCI Rating update (May 27th, 2016)	Date 27/05/2016	Download 2016_05_27_rci_banque_sp_outlook_revised_to_stable.pdf pdf383.42 KB
Document name RCI Research update (December 3rd, 2015)	Date 03/12/2015	Download 2015.12.03_sp_update_on_rci_banque_ratings.pdf pdf261.26 KB
Document name RCI Research update (May 29th, 2015)	Date 29/05/2015	Download sp_2015.05.29_rci_banque_full_1.pdf pdf435.1 KB
Document name RCI Rating update (July 4th, 2014)	Date 04/07/2014	Download sp_-_rci_banque_pubc_2014jul04_1.pdf pdf404.5 KB
Document name RCI Rating update (April 30th, 2014)	Date 30/04/2014	Download rci_banque_pubc_2014apr30_government_support_1.pdf pdf279.2 KB
Document name RCI Rating update (October 29th, 2013)	Date 29/10/2013	Download sp_on_rci_banque_pubc_2013-10-29_1.pdf pdf398.95 KB
Document name RCI Subordinated Debt Rating (August 26th, 2013)	Date 26/08/2013	Download sp_on_rci_banque_pubc_2013aug26_0.pdf pdf265.54 KB
Document name Research - Auto Captives (January 28th, 2013)	Date 28/01/2013	Download standard_poors_research_january_2013_1.pdf pdf608.2 KB