IDBI Bank’s Bank Standalone Rating Outlook Revised to Positive; Other Ratings Affirmed

16 January 2026

Capital Intelligence Ratings (CI Ratings or CI) today announced that it has revised the Bank Standalone Rating (BSR) Outlook of IDBI Bank (IDBI or the Bank) to Positive from Stable. At the same time, CI Ratings has affirmed IDBI’s Long-Term Foreign Currency Rating (LT FCR) of ‘BBB-’, Short-Term Foreign Currency Rating (ST FCR) of ‘A3’, BSR of ‘bb+’, Core Financial Strength (CFS) rating of ‘bb+’ and Extraordinary Support Level (ESL) of High. The Outlook for the LT FCR remains Positive.

The change in the Outlook for the BSR reflects an expected increase in the CFS rating due to ongoing improvements in asset quality and capitalisation metrics, comfortable liquidity, and solid prospects for earnings growth, despite a decline in operating profitability over the past 18 months caused by narrower spreads – an industry trend linked to interest rate declines, which we believe is temporary. The Bank’s strong business model, a growing customer base…