Credit rating summary
Standard & Poor's
Long-Term: A-
Short-Term: A-2
Outlook: Stable
On 20 November 2025, Standard & Poor’s Global Ratings (S&P) reaffirmed Bendigo and Adelaide Bank Limited's (BEN) long-term and short-term issuer credit ratings at ‘A-‘ and ‘A-2’. The outlook remains Stable.
Download the Standard & Poor's Global Ratings update.
Fitch Ratings
Long-Term: A-
Short-Term: F2
Outlook: Stable
On 16 September 2025, Fitch Ratings reaffirmed Bendigo and Adelaide Bank Limited's (BEN) Long-Term Issuer Default Rating (IDR) at 'A-', Short-Term IDR at 'F2', and Outlook as ‘Stable’.
Moody's
Long-Term: A3
Short-term: P-2
Outlook: Stable
On 21 November 2025, Moody’s announced an upgrade in Bendigo and Adelaide Bank Limited’s (BEN) long-term issuer credit ratings. This follows an upgrade in BEN’s Baseline Credit Assessment (BCA) and Adjusted BCA to a3 from baa1. Moody’s advised that the upgrades reflect BEN’s very strong asset quality, very strong funding profile, and strong liquidity. All short-term ratings have been affirmed. The ratings outlooks, where applicable, have changed to stable from positive.
Need more information?
Postal address
The Bendigo Centre
PO Box 480
Bendigo VIC 3552
Registered head office
The Bendigo Centre
Bendigo VIC 3550
Australia
F: 03 5485 7668
Connect with us
Discover other ways you can get in contact.
