Bendigo and Adelaide Bank is investigating a new integrated lending system and management reporting system, Standard & Poor's disclosed, in a periodic review of the bank's "servicer rating". This mainly relates mainly to a third-party lending platform that operates under the Adelaide Bank brand. S&P said the "strong" servicer rating and "stable" outlook for the bank mean "we believe Bendigo could improve efficiencies by integrating some of the process and servicing functions and systems of the bank." It noted the bank "has finalised an integrated lending policy for both [the Adelaide and Bendigo brands] that will be progressively rolled out. It has recently migrated its Adelaide Bank retail customers to Bendigo Bank's core banking system."