February 28, 2023 at the meeting of the Rating committee of RA “Expert-Rating” it was decided to affirm the long-
term national Ukrainian scale rating of JSC «SENSE BANK» (23494714) (The Bank) at the level uaAAA. Bank or
separate bond instrument with rating uaAAA is characterized by the highest solvency compared to other Ukrainian
borrowers or bond instruments. As well, at the meeting of the Rating committee it was decided to affirm a long-term
credit rating of the Bank’s bonds Series S in circulation at the level uaAAA. Making this decision, the Agency was
guided by the results of the Bank’s activity for the 2022 year, as well as by the conclusions drawn from the analysis of
financial and statistical statements of the Bank for the 2022 year and January, 2023.

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