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IMB's credit rating information is restricted to viewing by 'wholesale clients' only. Please read and agree to the terms below to access our credit rating information.

By continuing to access, browse or use this web page from within Australia, you represent to IMB that you are, or are accessing the credit rating page as a 'wholesale client', or representative of one, and that neither you nor the entity you represent will directly or indirectly disseminate the credit rating to 'retail clients' within the meaning of section 761G of the Corporations Act 2001. 

I am a 'wholesale client' or representing one as described below:

  • an Australian financial services licensee; or
  • a listed entity, or a related body corporate of a listed entity;
  • a business that employs at least 20 people or, in the case of a manufacturing business, at least 100 people; or
  • a person with a copy of a certificate given by a qualified accountant within the last 6 months stating that they have net assets of at least A$2.5 million or gross income for each of the last two financial years of at least A$250,000 per year;
  • an organisation regulated by Australian Prudential Regulation Authority (APRA) (and am not a superannuation fund, or an approved deposit fund, or a pooled superannuation trust, or a public sector superannuation scheme);
  • a body registered under the Financial Sector (Collection of Data) Act 2001;
  • a trustee of a superannuation fund, or an approved deposit fund, or a pooled superannuation fund, or a public sector superannuation scheme, within the meaning of the Superannuation Industry (Supervision) Act 1993 and the fund, trust or scheme has net assets of at least A$10 million;
  • a person in control of at least A$10 million, including through an associate or under a trust that I manage;
  • an exempt public authority; or
  • a body corporate or an unincorporated body corporate that carries on a business of investment in financial products, interests in land or other investments and for those purposes invest funds received (directly or indirectly) following an offer or invitation to the public (within the meaning of section 82 of the Corporations Act 2001) and the terms of the offer or invitation provide for the funds subscribed to be invested for those purposes.

By clicking on 'Continue' below, I confirm I am, or I am representing, a 'wholesale client' as described above.

Following a comprehensive review of IMB’s ratings agency service requirements and in consideration of IMB corporate strategy, IMB has decided to move from holding a single issuer credit rating to retaining issuer credit ratings from two external credit assessment institutions (ECAIs) as from 2018. IMB currently holds issuer credit ratings from Moody’s Investor Services (Moody’s) and Fitch Ratings (Fitch). 


IMB Ltd ('IMB') Credit Rating:

Rating Agency Short Term Long Term Outlook










Moody’s Investor Services

On 22 November 2018, Moody’s Investors Service (Moody’s) affirmed IMB’s rating: long-term issuer rating of Baa1 and short-term issuer rating of P-2. The outlook for the ratings is stable. For more information visi

Fitch Ratings

On 22 October 2018, Fitch Ratings (Fitch) affirmed IMB’s rating: Long-Term Issuer Default Rating (IDR) of 'BBB+' with a Stable Outlook and Short-Term IDR of ‘F2’. For more information visit

IMB’s credit profile, balance sheet and other fundamentals remain strong. In particular IMB is well capitalised relative to risk (with total regulatory capital at 16.1% at 30 June 2018), has significant levels of liquidity (with High Quality Liquid Assets of 19.1% at 30 June 2018), and has stable earnings and a low cost-to-income ratio relative to peers. In addition IMB maintains sound asset quality in its loan portfolio with arrears statistics and bad debt experiences that are well below national industry averages (at 30 June 2018 IMB’s residential arrears 90+ days was only 0.11% representing 16 loans out of a total 19,000 loans).

Credit ratings are statements of opinion and not statements of fact or recommendations to purchase, sell or hold any securities. Credit ratings are subject to change.


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Why choose IMB Bank?

Established in 1880, IMB has been helping people achieve their financial goals for 138 years. IMB offers a full range of banking solutions including home and personal lending, savings and transaction accounts, term deposits, business banking, financial planning and can arrange a wide range of insurance and travel products.

IMB has a growing branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne. We have a lending specialist in every branch and a team of mobile lending specialists who will come to you. IMB members enjoy access to free automated phone and internet banking and a team of professionals who are just a phone call away at our locally based call centre.

Find out more