(Bandar Seri Begawan, 4th) S&P Global Ratings has reaffirmed Baiduri Bank’s long-term and short-term issuer credit ratings at “A-/A-2”, maintaining a stable outlook, further underscoring its financial strength and resilience.
S&P Global Ratings noted that Baiduri Bank’s rating benefits from its strong market position, established retail operations, robust capital strength, stable profitability, and its significant role in Brunei’s banking sector.
The rating agency expects Baiduri Bank to continue maintaining a sound financial position, mainly thanks to its healthy profitability, ample liquidity, and stable funding base.
The report emphasized that Baiduri Bank possesses strong capital strength and continues to maintain sufficient capital buffers to support business growth and to cope with the ever-changing market environment.
The report also pointed out that the bank demonstrates strong profitability, with an average return on average assets (ROAA) of 1.85% from 2021 to 2025, mainly due to stable margins, prudent financial management, and a low-cost deposit base.
In addition, the report recognized the bank’s solid franchise, continued investment in digital capabilities, and prudent growth strategies, enabling it to seize opportunities in Brunei and selected overseas markets while maintaining prudent risk management.
Zheng Ronghui stated that this rating reflects the bank’s ability to respond in different market environments and demonstrates the bank’s commitment to serving customers, supporting business growth, and investing in the future.
He said that this rating gives customers increased confidence in the bank’s solid foundation, while the bank continues to adhere to a rigorous approach in development, risk management, and maintaining customer trust.
He expressed his pleasure that these strengths have been recognized by S&P Global Ratings, and stated that going forward the bank will remain focused on its most important mission: to be a trusted financial partner for its customers and the broader community.
The report also highlighted that the bank boasts strong funding and liquidity positions, thanks to its stable deposit base and liquidity levels superior to many regional and international peers.
S&P Global Ratings further pointed out that Baiduri Bank holds an important systemic position in Brunei’s financial system.
It is understood that S&P Global Ratings is a leading independent global credit rating agency, providing financial strength and creditworthiness assessments for institutions worldwide. Its ratings are widely used by investors, regulators, and financial markets as an important benchmark for measuring transparency, stability, and financial resilience.
The rating agency expects Baiduri Bank to continue maintaining a sound financial position, mainly thanks to its healthy profitability, ample liquidity, and stable funding base.
The report emphasized that Baiduri Bank possesses strong capital strength and continues to maintain sufficient capital buffers to support business growth and to cope with the ever-changing market environment.
The report also pointed out that the bank demonstrates strong profitability, with an average return on average assets (ROAA) of 1.85% from 2021 to 2025, mainly due to stable margins, prudent financial management, and a low-cost deposit base.
In addition, the report recognized the bank’s solid franchise, continued investment in digital capabilities, and prudent growth strategies, enabling it to seize opportunities in Brunei and selected overseas markets while maintaining prudent risk management.
Zheng Ronghui stated that this rating reflects the bank’s ability to respond in different market environments and demonstrates the bank’s commitment to serving customers, supporting business growth, and investing in the future.
He said that this rating gives customers increased confidence in the bank’s solid foundation, while the bank continues to adhere to a rigorous approach in development, risk management, and maintaining customer trust.
He expressed his pleasure that these strengths have been recognized by S&P Global Ratings, and stated that going forward the bank will remain focused on its most important mission: to be a trusted financial partner for its customers and the broader community.
The report also highlighted that the bank boasts strong funding and liquidity positions, thanks to its stable deposit base and liquidity levels superior to many regional and international peers.
S&P Global Ratings further pointed out that Baiduri Bank holds an important systemic position in Brunei’s financial system.
It is understood that S&P Global Ratings is a leading independent global credit rating agency, providing financial strength and creditworthiness assessments for institutions worldwide. Its ratings are widely used by investors, regulators, and financial markets as an important benchmark for measuring transparency, stability, and financial resilience.