Invest Bank’s Bank Standalone Rating and Core Financial Strength Assessment Raised

15 October 2025

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

The upward revision of IB’s CFS rating and BSR is supported by better profitability in H1 25 and improved asset quality, particularly full provisioning for NPLs and low levels of Stage 2 loans, which seem sustainable; however, many financial indicators remain weak. The upgrade is also supported by the Bank’s enhanced business model, stronger risk framework and governance standards, and growth-oriented strategies. The LT FCR, set two notches above the BSR, remains…