Bendigo Bank Ltd and Adelaide Bank Ltd have had their long term financial ratings reaffirmed by ratings agency Standard & Poor's.
But the outlook for the ratings has been downgraded to stable from positive.
Bendigo acquired Adelaide Bank last year.
S&P has kept its BBB+/A2 rating on both banks.
Bendigo said the rating reflected the strength of the banks, which will be known as Bendigo and Adelaide Bank Ltd from March 31.
The downgraded outlook came in light of the current global financial environment, Bendigo managing director Rob Hunt said.
"As S&P recognises, the global financial services sector is experiencing a period of significant volatility and reduced confidence.
"But this is an environment in which strong and disciplined management and a proven and focused strategy will demonstrate the strength of the merged entity."
Mr Hunt said the merged bank had strong liquidity and adequate funding.
He said the rating from S&P reflected the banks' ability to deliver quality earnings in a more difficult environment.
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