OREANDA-NEWS. Capital Intelligence Ratings (CI Ratings), the international credit rating agency, today announced that it has reduced the Financial Strength Rating (FSR) of India's Oriental Bank of Commerce (OBC) to 'BB' from 'BB+' in view of the significant increase in non-performing loans (NPLs) in FY2016, a high level of stressed assets, weak coverage ratios, an impaired capital base, and low and declining ROAA (return on average assets) and operating profitability.