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Credit rating

Liberty Financial Limited has a New Zealand dollar long term issuer rating of BBB- (Outlook Stable).

A credit rating is an independent opinion of the capability and willingness of an entity to repay its debts (in other words, its creditworthiness). It is not a guarantee that the financial product being offered is a safe investment. A credit rating should be considered alongside all other relevant information when making an investment decision.

A BBB rating is considered an investment grade rating by market participants and is less vulnerable to non-payment than speculative issues. An institution rated 'BBB' exhibits adequate protection parameters. However, adverse economic conditions or changing circumstances are more likely to lead to a weakened capacity to meet its financial commitment.

Liberty Financial Limited has been rated by S&P Global Ratings. S&P Global Ratings gives ratings from AAA through to C (excluding ratings attaching to entities in default). The rating scale used by S&P is shown below.

Investment Grade AAA Extremely Strong 1 in 600
AA Very Strong 1 in 300
A Strong 1 in 150
BBB Adequate
Current Liberty Financial rating BBB-
(Outlook Stable)
1 in 30
Non-Investment
Grade
BB Less Vulnerable 1 in 10
B More Vulnerable 1 in 5
CCC Currently Vulnerable 1 in 2
CC Currently Highly Vulnerable
D Default

A S&P rating may also include an “outlook assessment”. An outlook assessment considers the potential direction of a long-term credit rating over the intermediate term (typically six months to two years). An outlook assessment is not necessarily a precursor of a rating change. The common rating outlook definitions are: Positive – means that a rating may be raised; Negative – means that a rating may be lowered; Stable – means that a rating is not likely to change; and Developing – means a rating may be raised or lowered.

Credit ratings are statements of opinion issued by a ratings agency. They are not statements of fact, an endorsement of the rated entity, or a recommendation to buy, hold, or sell securities.

For further information visit the website of S&P at www.standardandpoors.com.

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Issuer Liberty Financial Limited. Product Disclosure Statement (PDS) and Supplementary Document available here or at www.companiesoffice.govt.nz/disclose.

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