PWLBtoday
Counterparty/Nationwide Building Society
Built 2026-09-14 17:10 UTCBeta
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Nationwide Building Society

Building society · UKAA · LEI 549300XFX12G42QIKN82
Counterparty scoreBand B
77
17th percentile of 6 peers
coverage100% of the method
Rating81w 40
Capital88w 25
Liquidity89w 15
Stability26w 10
Assets87w 5
Profit45w 5
Rating anchor and public pillars with published weights (w). Market overlay 0.0, bounded at ±10. Method
Agency ratingscompositeA+Stable (bonds)
Fitch
AA-▶
ST F1+
2026-05-12
S&P
A+▶
ST A-1
2025-09-10
Moody's
A1▶
ST P-1 · deposit
2026-03-02
DBRS
A(H)
ST R-1(M)
2026-03-25
ESMA European Rating Platform, checked daily · ▲ positive ▼ negative ◆ watch ▶ stableRating history
CET1 ratio
18.6%
−0.5 vs prior2026-06-30
Leverage ratio
5.2%
−0.1 vs prior2026-06-30
Total capital
23.5%
−0.3 vs prior2026-06-30
LCR
174%
+5.0 vs prior2026-06-30
NSFR
145%
+2.0 vs prior2026-06-30
Risk-weighted assets
90.3bn
+3.3% vs prior2026-06-30
17 series held, up to 48 periods each. Click a card to open it full size with every point and its date. The grey band on a ratio is where this bank’s peer group stands today, quartile to quartile, with the median dashed — not a peer history.
Standing
Capital
Liquidity and funding
Profitability and efficiency
Asset quality
Balance sheet

Rating history

Every action the European Rating Platform holds, since 2015. The composite is the median of the agencies on the day.
8upgrades
4downgrades
1.0notch stronger
20162017201820192020202120222023202420252026A+Acomposite A from 2015-07-01composite A from 2015-07-06composite A from 2015-09-09composite A from 2015-09-29composite A+ from 2016-06-14composite A from 2016-09-09composite A from 2017-02-07composite A+ from 2017-03-07composite A from 2018-03-01composite A+ from 2021-10-29A+COMPOSITEFitchFitch A from 2015-07-01 to 2017-02-07AFitch A+ from 2017-02-07 to 2018-03-01A+Fitch A from 2018-03-01 to 2026-05-12AFitch AA- from 2026-05-12, stillFitch: positive outlook from 2016-05-25Fitch: stable outlook from 2017-02-07Fitch: negative outlook from 2018-01-24Fitch: stable outlook from 2018-03-01Fitch: watch negative outlook from 2019-03-01Fitch: stable outlook from 2019-12-20Fitch: negative outlook from 2020-04-01Fitch: stable outlook from 2021-07-05AA-S&PS&P A from 2015-07-01 to 2021-10-29AS&P A+ from 2021-10-29, stillA+S&P: stable outlook from 2015-07-02S&P: negative outlook from 2016-07-07S&P: stable outlook from 2017-11-15S&P: positive outlook from 2020-01-20S&P: stable outlook from 2020-04-23S&P: positive outlook from 2021-06-24S&P: stable outlook from 2021-10-29A+Moody'sMoody's A1 from 2015-07-01 to 2016-06-14A1Moody's Aa3 from 2016-06-14 to 2020-04-30Aa3Moody's A1 from 2020-04-30, stillA1Moody's: stable outlook from 2015-07-01Moody's: positive outlook from 2016-02-17Moody's: stable outlook from 2016-06-14Moody's: negative outlook from 2016-06-28Moody's: stable outlook from 2017-08-02Moody's: negative outlook from 2018-10-26Moody's: stable outlook from 2020-04-30A1DBRSDBRS A from 2015-07-01 to 2015-07-06DBRS AA(L) from 2015-07-06 to 2015-09-09DBRS A from 2015-09-09 to 2015-09-29DBRS A(H) from 2015-09-29 to 2016-02-04DBRS AA from 2016-02-04 to 2016-09-09AADBRS A from 2016-09-09 to 2017-03-07ADBRS A(H) from 2017-03-07, stillA(H)DBRS: watch negative outlook from 2017-01-13A(H)
AAACCCpositive outlookstablenegativewent on watch

Every move since 2015

  • 2026-05-12↑Fitch upgrade A → AA- · 2 notches
  • 2021-10-29↑S&P upgrade A → A+ · 1 notch
  • 2020-04-30↓Moody's downgrade Aa3 → A1 · 1 notch
  • 2018-03-01↓Fitch downgrade A+ → A · 1 notch
  • 2017-03-07↑DBRS upgrade A → A(H) · 1 notch
  • 2017-02-07↑Fitch upgrade A → A+ · 1 notch
  • 2016-09-09↓DBRS downgrade AA → A · 3 notches
  • 2016-06-14↑Moody's upgrade A1 → Aa3 · 1 notch

Every rating held today

AgencyTypeRatingOutlookDate
DBRSissuer credit · long-termA(H)—2026-03-25
DBRSissuer credit · short-termR-1(M)—2026-03-25
Fitchissuer default · long-termAA-stable2026-05-12
Fitchissuer default · short-termF1+—2026-05-12
Moody'scounterparty · long-termAa3—2026-03-02
Moody'sdeposit · long-termA1stable2026-03-02
Moody'scounterparty · short-termP-1—2026-03-02
Moody'sdeposit · short-termP-1—2026-03-02
S&Pissuer credit · long-termA+stable2025-09-10
S&Presolution counterparty · long-termAA-—2025-09-10
S&Pissuer credit · short-termA-1—2025-09-10
S&Presolution counterparty · short-termA-1+—2025-09-10
Source: ESMA European Rating Platform, checked daily, with agency attribution.
Share price, 12 months
Not listed, or no price data collected.
30-day realised volatility—
Drawdown from 52-week high—
Market signal Stable (bonds)
Last price—
Bond yields vs peers, 31-day−10 bp (4 bonds, 2026-09-14)
CDS levels, bond yields and agency ratings feed the private market overlay and are never shown as levels; only the direction and the change against peers are public.
Every event held for this name, newest first: rating actions, Pillar 3 documents and filtered headlines. Severity is rules-based — read the source.
2026-08-13
Pillar 3 report for the period to 2026-06-30 published: pillar-3-disclosures-q1-2026-27.pdf?rev=c899e7d40a3a4d5286d7210edb350d9c
firm website
info
2026-07-02
Nationwide to cut hundreds of jobs in major round of redundancies - swindonadvertiser.co.uk
swindonadvertiser.co.uk
warn
2026-06-29
Nationwide to cut 600 jobs in first redundancies after takeover of Virgin Money - The Guardian
The Guardian
warn
2026-06-23
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2026-05-27
Pillar 3 report for the period to 2026-03-31 published: pillar-3-disclosures-2026.pdf?rev=4afeb601db734b7aad16895c72b29219
firm website
info
2026-05-12
Fitch upgrade: Derivative Counterparty Rating AA-(dcr)
ESMA European Rating Platform
good
2026-05-12
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2026-05-12
Fitch upgrade: Long Term Issuer Default Rating AA-
ESMA European Rating Platform
good
2026-05-12
Fitch upgrade: Short Term Issuer Default Rating F1+
ESMA European Rating Platform
good
2026-03-25
DBRS affirmation: Issuer Debt Rating A(H)
ESMA European Rating Platform
info
2026-03-25
DBRS affirmation: Issuer Debt Rating A(L)
ESMA European Rating Platform
info
2026-03-25
DBRS affirmation: Issuer Debt Rating R-1(M)
ESMA European Rating Platform
info
2026-03-25
DBRS affirmation: Issuer Debt Rating AA
ESMA European Rating Platform
info
2026-03-25
DBRS affirmation: Issuer Debt Rating R-1 (H)
ESMA European Rating Platform
info
2026-03-25
DBRS affirmation: Issuer Rating A(H)
ESMA European Rating Platform
info
2026-03-25
DBRS affirmation: Issuer Rating R-1(M)
ESMA European Rating Platform
info
2026-03-10
DBRS new: Issuer Debt Rating A(L)
ESMA European Rating Platform
info
2026-03-03
DBRS new: Issuer Debt Rating A(H)
ESMA European Rating Platform
info
2026-03-03
DBRS new: Issuer Debt Rating A(L)
ESMA European Rating Platform
info
2026-03-02
Moody's affirmation: Deposit Rating A1
ESMA European Rating Platform
info
2026-03-02
Moody's affirmation: Deposit Rating P-1
ESMA European Rating Platform
info
2026-03-02
Moody's affirmation: Counterparty Risk Rating Aa3
ESMA European Rating Platform
info
2026-03-02
Moody's affirmation: Counterparty Risk Rating P-1
ESMA European Rating Platform
info
2026-03-02
Moody's maintained under stable outlook: Deposit Rating
ESMA European Rating Platform
info
2026-02-12
Pillar 3 report for the period to 2025-12-31 published: pillar-3-disclosures-q3-2025-26.pdf?rev=53ce38a776f84f4f8831a265ab93c623
firm website
info
2025-11-17
Pillar 3 report for the period to 2025-09-30 published: interim-pillar-3-disclosures-2025-2026.pdf?rev=7e5911f2c6464934ac51eccce8d1f849
firm website
info
2025-11-13
Fitch affirmation: Derivative Counterparty Rating A+(dcr)
ESMA European Rating Platform
info
2025-11-13
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2025-11-13
Fitch affirmation: Long Term Issuer Default Rating A
ESMA European Rating Platform
info
2025-11-13
Fitch affirmation: Short Term Issuer Default Rating F1
ESMA European Rating Platform
info
2025-10-28
DBRS new: Issuer Debt Rating A(H)
ESMA European Rating Platform
info
2025-09-10
S&P affirmation: Issuer Credit Rating A+
ESMA European Rating Platform
info
2025-09-10
S&P affirmation: Issuer Credit Rating A-1
ESMA European Rating Platform
info
2025-09-10
S&P affirmation: Certificate Of Deposit A-1
ESMA European Rating Platform
info
2025-09-10
S&P affirmation: Resolution Counterparty Rating AA-
ESMA European Rating Platform
info
2025-09-10
S&P affirmation: Resolution Counterparty Rating A-1+
ESMA European Rating Platform
info
2025-09-10
S&P maintained under stable outlook: Issuer Credit Rating
ESMA European Rating Platform
info
2025-08-21
Pillar 3 report for the period to 2025-06-30 published: pillar-3-disclosures-q1-202-26.pdf?rev=3f11f07e9cf6427790bb57811a56091c
firm website
info
2025-08-12
Moody's affirmation: Deposit Rating P-1
ESMA European Rating Platform
info
2025-08-12
Moody's affirmation: Counterparty Risk Rating Aa3
ESMA European Rating Platform
info
2025-08-12
Moody's affirmation: Counterparty Risk Rating P-1
ESMA European Rating Platform
info
2025-08-12
Moody's affirmation: Deposit Rating A1
ESMA European Rating Platform
info
2025-08-12
Moody's maintained under stable outlook: Deposit Rating
ESMA European Rating Platform
info
2025-06-03
Pillar 3 report for the period to 2025-03-31 published: nationwide-group-pillar-3-disclosures-2025.pdf?rev=5bedb4974e8c440aad40e15264b9500d
firm website
info
2025-06-03
Pillar 3 report for the period to 2025-03-31 published: nationwide-sub-group-pillar-3-disclosures-2025.pdf?rev=b608afb3c71e47cdaf1818296f7755d8
firm website
info
2025-02-25
Pillar 3 report for the period to 2024-12-31 published: pillar-3-disclosures-q3-2024-25.pdf?rev=70c37add87064638b2d848e226ea4044
firm website
info
2024-11-14
Pillar 3 report for the period to 2024-09-30 published: interim-pillar-3-disclosures-2024-25.pdf?rev=1818e897d9f843c4a19a3f35feebc443
firm website
info
2024-06-30
Pillar 3 report for the period to 2024-06-30: pillar-3-disclosures-q1-2024-25.pdf?rev=a6c3996b21a141378d49773706ce5aa7
firm website
info
2024-04-04
Pillar 3 report for the period to 2024-04-04: pillar-3-disclosures-2024.pdf?rev=69fa695787ab45f79c00ac490a381b59
firm website
info
2023-06-30
Pillar 3 report for the period to 2023-06-30: interim-pillar-3-disclosures-2023-24.pdf?rev=8099f09daeed431781b3197364755bc8
firm website
info

Documents and feeds

Firm's Pillar 3 disclosures · read from the PDF
11 documents · 8 metrics · 2023-06-30 to 2026-06-30
Latest source
EBA Transparency Exercise · published data file
5 documents · 7 metrics · 2016-12-31 to 2020-06-30
Latest source
ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing
4 documents · 7 metrics · 2021-04-04 to 2026-03-31
Latest source

Latest value of every metric held

MetricValueReference dateSourceConfidence
CET1 capital ratio18.602026-06-30Firm's Pillar 3 disclosures · read from the PDF0.98
Loan impairment charge over customer loans0.112026-03-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.75
Total deposits (currency millions)76,766.002026-03-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Cost-to-income or efficiency ratio69.552026-03-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.75
Liquidity coverage ratio174.002026-06-30Firm's Pillar 3 disclosures · read from the PDF0.98
Leverage ratio5.202026-06-30Firm's Pillar 3 disclosures · read from the PDF0.98
Net interest margin1.622026-03-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.75
Non-performing or noncurrent loan ratio0.902020-06-30EBA Transparency Exercise · published data file0.85
Net stable funding ratio145.002026-06-30Firm's Pillar 3 disclosures · read from the PDF0.98
Overall capital requirement17.502026-06-30Firm's Pillar 3 disclosures · read from the PDF0.98
Return on assets0.292026-03-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Return on equity5.412026-03-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Risk-weighted assets (currency millions)90,308.002026-06-30Firm's Pillar 3 disclosures · read from the PDF0.98
Tier 1 capital ratio21.002026-06-30Firm's Pillar 3 disclosures · read from the PDF0.98
Total assets (currency millions)382,328.002026-03-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Total capital ratio23.502026-06-30Firm's Pillar 3 disclosures · read from the PDF0.98