Credit Ratings

CITIC Ka Wah Bank Limited

Below is a summary of credit ratings on CITIC Ka Wah Bank and its fixed income securities by independent agencies.

 
Category Moody's FITCH
CITIC Ka Wah Bank Limited Baa2 BBB+
US$250 million 5-year Subordinated Notes
(callable in 2007)		 Baa3 BBB
US$250 million Perpetual Subordinated Guaranteed Notes
(callable in 2012)		 Ba1 BBB-

   
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