PWLBtoday
Counterparty/Bendigo and Adelaide Bank Limited
Built 2026-09-14 17:10 UTCBeta
BE

Bendigo and Adelaide Bank Limited

Bank · AustraliaAAA · LEI 549300Y9URD6W70K0360
Counterparty scoreBand C
62
0th percentile of 5 peers
coverage75% of the method
Rating69w 40
Capital61w 25
Liquidity57w 15
Stability—w 10
Assets—w 5
Profit46w 5
Rating anchor and public pillars with published weights (w). Market overlay 0.0, bounded at ±10. Method
Agency ratingscompositeA-Equity weak
Fitch
A-▶
ST F2
2026-07-08
S&P
A-▶
ST A-2
2024-04-03
Moody's
A3▶
ST P-1
2025-11-21
ESMA European Rating Platform, checked daily · ▲ positive ▼ negative ◆ watch ▶ stableRating history
CET1 ratiounverified
11.3%
−0.0 vs prior2026-06-30
Leverage ratio—not yet collected
Total capitalunverified
15.1%
−0.1 vs prior2026-06-30
LCRunverified
140%
+4.5 vs prior2026-06-30
NSFRunverified
115%
−2.9 vs prior2026-06-30
Risk-weighted assetsunverified
40.0bn
+1.5% vs prior2026-06-30
14 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
Balance sheet

Rating history

Every action the European Rating Platform holds, since 2015. The composite is the median of the agencies on the day.
2upgrades
3downgrades
nonet change
20162017201820192020202120222023202420252026A-BBB+composite A- from 2015-07-01composite BBB+ from 2024-03-06composite A- from 2024-04-03A-COMPOSITEFitchFitch A- from 2015-07-01, stillA-Fitch: stable outlook from 2015-11-18Fitch: negative outlook from 2020-04-30Fitch: stable outlook from 2021-05-17A-S&PS&P A- from 2015-07-01 to 2017-05-22A-S&P BBB+ from 2017-05-22 to 2024-04-03BBB+S&P A- from 2024-04-03, stillA-S&P: stable outlook from 2015-07-29S&P: negative outlook from 2016-10-30S&P: stable outlook from 2017-05-22S&P: positive outlook from 2021-04-27S&P: stable outlook from 2024-04-03A-Moody'sMoody's A2 from 2015-07-01 to 2017-06-19A2Moody's A3 from 2017-06-19 to 2024-03-06A3Moody's Baa1 from 2024-03-06 to 2025-11-21Baa1Moody's A3 from 2025-11-21, stillA3Moody's: stable outlook from 2015-07-01Moody's: positive outlook from 2024-11-29Moody's: stable outlook from 2025-11-21A3
AAACCCpositive outlookstablenegativewent on watch

Every move since 2015

  • 2025-11-21↑Moody's upgrade Baa1 → A3 · 1 notch
  • 2024-04-03↑S&P upgrade BBB+ → A- · 1 notch
  • 2024-03-06↓Moody's downgrade A3 → Baa1 · 1 notch
  • 2017-06-19↓Moody's downgrade A2 → A3 · 1 notch
  • 2017-05-22↓S&P downgrade A- → BBB+ · 1 notch

Every rating held today

AgencyTypeRatingOutlookDate
Fitchissuer default · long-termA-stable2026-07-08
Fitchissuer default · short-termF2—2026-07-08
Moody'scounterparty · long-termAa3—2025-11-21
Moody'sdeposit · long-termA3stable2025-11-21
Moody'sissuer credit · long-termA3stable2025-11-21
Moody'scounterparty · short-termP-1—2025-11-21
Moody'sdeposit · short-termP-2—2025-11-21
Moody'sissuer credit · short-termP-2—2025-11-21
S&Pissuer credit · long-termA-stable2024-04-03
S&Pissuer credit · short-termA-2—2024-04-03
Source: ESMA European Rating Platform, checked daily, with agency attribution.
Share price, 12 monthsAUD
9.2510.4511.6512.8525-09: 12.5625-09: 12.5525-09: 12.7625-09: 13.1225-09: 13.2025-10: 13.2125-10: 13.1225-10: 12.8125-10: 12.6125-10: 12.5425-10: 12.6525-11: 12.9325-11: 11.2825-11: 10.8825-11: 11.0025-11: 10.2425-12: 10.1325-12: 10.3225-12: 10.4425-12: 10.4725-12: 10.5126-01: 10.5826-01: 11.0326-01: 10.8326-01: 11.1426-01: 11.0526-02: 11.2726-02: 11.2726-02: 11.2026-02: 11.0526-02: 10.9326-03: 10.3426-03: 10.1226-03: 10.0426-03: 10.0526-03: 10.1926-03: 10.0526-04: 11.3426-04: 11.2026-04: 11.0726-04: 10.5726-05: 10.7826-05: 10.8526-05: 10.2726-05: 10.5126-05: 10.3326-05: 10.3426-06: 10.2826-06: 10.3326-06: 10.6626-06: 10.6826-06: 10.4726-07: 10.4126-07: 10.6526-07: 10.6226-07: 10.5926-07: 11.0126-07: 11.4626-08: 11.5826-08: 11.0926-08: 10.5626-08: 10.4526-08: 10.5826-09: 10.5426-09: 10.2210.2225-0925-1025-1226-0226-0426-0626-09
30-day realised volatility27.2%
Drawdown from 52-week high-22.2%
Market signal Equity weak
Last price2026-09-14
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.
2026-08-25
Bendigo and Adelaide Bank to offset AML capital charge with low credit losses - Asian Banking & Finance
Asian Banking & Finance
warn
2026-08-25
Bendigo And Adelaide Bank (ASX:BEN) Shares Ask If Profit Recovery Can Last - webull.com
webull.com
info
2026-08-24
Bendigo Bank takes 9% cash earnings hit from risk remediation, posts profit recovery - TechStock²
TechStock²
warn
2026-08-24
Bendigo and Adelaide Bank FY26 earnings: profit lifts to $375.1 million, dividend steady - fool.com.au
fool.com.au
info
2026-08-24
Bendigo and Adelaide Bank swings to profit for FY26 - Capital Brief
Capital Brief
good
2026-08-24
Bendigo Bank lifts cash earnings to $530m as lower-cost deposit growth buoys margins - Business News Australia
Business News Australia
info
2026-08-23
Does Bendigo and Adelaide Bank’s (ASX:BEN) Cyber Penalty Reshape Its Trust and Risk Narrative? - webull.com
webull.com
warn
2026-08-19
APRA acts over Bendigo’s ‘longstanding’ risk weaknesses - Broker Daily
Broker Daily
warn
2026-08-18
Australian watchdog imposes licence conditions on Bendigo and Adelaide Bank - fxnewsgroup.com
fxnewsgroup.com
warn
2026-08-18
Bendigo and Adelaide Bank posts FY26 profit as it commits to risk overhaul - fool.com.au
fool.com.au
info
2026-08-18
APRA hits Bendigo Bank with tougher licence terms over risk failures - AFR
AFR
warn
2026-08-18
Bendigo Bank hit with APRA licence conditions after cyber breach admission - Australian Broker News
Australian Broker News
warn
2026-08-18
Bendigo Bank (ASX:BEN) share price sinks on APRA pain, FY26 result - Rask Media
Rask Media
warn
2026-08-12
Bendigo Bank cops $8m cyber penalty - Information Age | ACS
Information Age | ACS
warn
2026-08-11
Bendigo Bank faces $5.65m penalty after 2023 Alliance Bank breach - Asian Banking & Finance
Asian Banking & Finance
warn
2026-08-11
Bendigo Bank admits breaching accountability laws over 2023 cyber attack - Australian Broker News
Australian Broker News
warn
2026-08-11
Bendigo Bank hit with $8m penalty after admitting to breaches over 2023 cyber attack - Business News Australia
Business News Australia
warn
2026-07-08
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2026-07-08
Fitch affirmation: Long Term Issuer Default Rating A-
ESMA European Rating Platform
info
2026-07-08
Fitch affirmation: Short Term Issuer Default Rating F2
ESMA European Rating Platform
info
2026-06-30
Pillar 3 report for the period to 2026-06-30: 30-june--basel-iii-pillar-3-disclosures-prudential-standard-aps-330.pdf
firm website
info
2026-05-21
Pillar 3 report for the period to 2026-03-31 published: 31-march-basel-iii-pillar-3-disclosures-prudential-standard-aps-3302.pdf
firm website
info
2026-02-13
Pillar 3 report for the period to 2025-12-31 published: 31-december-basel-iii-pillar-3-disclosures-prudential-standard-aps-330.pdf
firm website
info
2025-11-21
Moody's upgrade: Deposit Rating A3
ESMA European Rating Platform
good
2025-11-21
Moody's removed under positive outlook: Deposit Rating
ESMA European Rating Platform
good
2025-11-21
Moody's placed under stable outlook: Deposit Rating
ESMA European Rating Platform
info
2025-11-21
Moody's upgrade: Deposit Rating Aa3
ESMA European Rating Platform
good
2025-11-21
Moody's affirmation: Deposit Rating P-2
ESMA European Rating Platform
info
2025-11-21
Moody's affirmation: Deposit Rating P-1
ESMA European Rating Platform
info
2025-11-21
Moody's upgrade: Issuer Rating A3
ESMA European Rating Platform
good
2025-11-21
Moody's removed under positive outlook: Issuer Rating
ESMA European Rating Platform
good
2025-11-21
Moody's placed under stable outlook: Issuer Rating
ESMA European Rating Platform
info
2025-11-21
Moody's affirmation: Issuer Rating P-2
ESMA European Rating Platform
info
2025-11-21
Moody's upgrade: Counterparty Risk Rating Aa3
ESMA European Rating Platform
good
2025-11-21
Moody's affirmation: Counterparty Risk Rating P-1
ESMA European Rating Platform
info
2025-09-30
Pillar 3 report for the period to 2025-09-30: 30-september---basel-iii-pillar-3-disclosures-prudential-standard-aps-330.pdf
firm website
info
2025-09-10
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2025-09-10
Fitch affirmation: Long Term Issuer Default Rating A-
ESMA European Rating Platform
info
2025-09-10
Fitch affirmation: Short Term Issuer Default Rating F2
ESMA European Rating Platform
info
2025-06-30
Pillar 3 report for the period to 2025-06-30: 30-june-basel-iii-pillar-3-disclosures-prudential-standard-aps-330.pdf
firm website
info
2025-05-22
Pillar 3 report for the period to 2025-03-31 published: 31-march-basel-iii-pillar-3-disclosures-prudential-standard-aps-330.pdf
firm website
info
2025-02-10
Pillar 3 report for the period to 2024-12-31 published: 31-december---basel-iii-pillar-3-disclosures--prudential-standard-aps-330.pdf
firm website
info
2024-09-30
Pillar 3 report for the period to 2024-09-30: 30-september--basel-iii-pillar-3-disclosures--prudential-standard-aps330.pdf
firm website
info
2024-06-30
Pillar 3 report for the period to 2024-06-30: 30-june-basel-iii-pillar-3-disclosures-prudential-standard-aps-330.pdf
firm website
info
2024-05-16
Pillar 3 report for the period to 2024-03-31 published: 31-march---basel-iii-pillar-3-disclosures-prudential-standard-aps-330.pdf
firm website
info
2024-02-06
Pillar 3 report for the period to 2023-12-31 published: 31-december---basel-iii-pillar-3-disclosures--prudential-standard-aps-330.pdf
firm website
info
2023-09-30
Pillar 3 report for the period to 2023-09-30: 30-september---basel-iii-pillar-3-disclosures-prudential-standard-aps-330.pdf
firm website
info
2023-08-09
Pillar 3 report for the period to 2023-06-30 published: 30-june-basel-iii-pillar-3-disclosures-prudential-standard-aps-330.pdf
firm website
info
2023-03-31
Pillar 3 report for the period to 2023-03-31: 31-march--basel-iii-pillar-3-disclosures-prudential-standard-aps-330.pdf
firm website
info
2022-12-31
Pillar 3 report for the period to 2022-12-31: 31-december---basel-iii-pillar-3-disclosures--prudential-standard-aps-330.pdf
firm website
info
2022-11-01
Pillar 3 report for the period to 2022-09-30 published: 30-september--basel-iii-pillar-3-disclosures--prudential-standard-aps-330.pdf
firm website
info
2022-08-11
Pillar 3 report for the period to 2022-06-30 published: 30-june---basel-iii-pillar-3-disclosures--prudential-standard-aps-330.pdf
firm website
info
2022-03-31
Pillar 3 report for the period to 2022-03-31: 31-march-basel-iii-pillar-3-disclosures.pdf
firm website
info
2021-11-08
Pillar 3 report for the period to 2021-09-30 published: 30-september---basel-iii-pillar-3-disclosures--prudential-standard-aps-330.pdf
firm website
info
2021-09-13
Pillar 3 report for the period to 2021-06-30 published: 30-june---basel-iii-pillar-3-disclosures--prudential-standard-aps-330.pdf
firm website
info
2021-03-31
Pillar 3 report for the period to 2021-03-31: 31-march-basel-iii-pillar-3-disclosures-prudential-standard-aps-330.pdf
firm website
info
2020-12-31
Pillar 3 report for the period to 2020-12-31: 31-december---basel-iii-pillar-3-disclosures--prudential-standard-aps-330.pdf
firm website
info
2020-11-26
Pillar 3 report for the period to 2020-09-30 published: 30-september--basel-iii-pillar-3-disclosures-prudential-standard-aps-330.pdf
firm website
info
2020-09-02
Pillar 3 report for the period to 2020-06-30 published: 30-june---basel-iii-pillar-3-disclosures_-prudential-standard-aps-330.pdf
firm website
info
2020-03-31
Pillar 3 report for the period to 2020-03-31: 31-march---basel-iii-pillar-3-disclosures-prudential-standard-aps-330.pdf
firm website
info

Documents and feeds

Firm's Pillar 3 disclosures · pdf_manual
53 documents · 6 metrics · 2011-03-31 to 2026-06-30
Latest source
Yahoo Finance fundamentals · public API
1 document · 6 metrics · 2023-06-30 to 2026-06-30
Latest source

Latest value of every metric held

MetricValueReference dateSourceConfidence
CET1 capital ratio11.342026-06-30Firm's Pillar 3 disclosures · read from the PDF0.74 unverified
Total deposits (currency millions)86,131.702026-06-30Yahoo Finance fundamentals · public API0.80
Cost-to-income or efficiency ratio70.572026-06-30Yahoo Finance fundamentals · public API0.70
Liquidity coverage ratio140.202026-06-30Firm's Pillar 3 disclosures · read from the PDF0.74 unverified
Net interest margin1.672026-06-30Yahoo Finance fundamentals · public API0.70
Net stable funding ratio114.702026-06-30Firm's Pillar 3 disclosures · read from the PDF0.74 unverified
Return on assets0.362026-06-30Yahoo Finance fundamentals · public API0.80
Return on equity5.602026-06-30Yahoo Finance fundamentals · public API0.80
Risk-weighted assets (currency millions)40,014.302026-06-30Firm's Pillar 3 disclosures · read from the PDF0.74 unverified
Tier 1 capital ratio13.342026-06-30Firm's Pillar 3 disclosures · read from the PDF0.74 unverified
Total assets (currency millions)104,410.702026-06-30Yahoo Finance fundamentals · public API0.80
Total capital ratio15.132026-06-30Firm's Pillar 3 disclosures · read from the PDF0.74 unverified