Credit Ratings

NIBC's current ratings are as follows:

Rating Agency

Long-Term

Short-Term

Outlook

Latest Report

Standard & Poor's

BBB-

A-3

Negative

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Fitch

BBB

F-3

Negative

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* NIBC has terminated its rating contract with Moody's on 27 March 2013. Moody's now rates NIBC based upon publicly available information.