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S&P affirms Guatemala-based Banco Industrial on solid market position

S&P Global Ratings on Jan. 30 affirmed its BB/B issuer credit ratings on Guatemala-based Banco Industrial SA, citing the bank's solid market position as the largest financial institution in the country.

The company's stand-alone credit profile remains at "bb+" and the outlook remains negative.

In addition to its market position, the bank's ratings also reflect a projected risk-adjusted capital ratio of 5.8% for the next two years, based on an expected capital injection from shareholders, its internal capital generation capacity, and a reduced dividend payout ratio.

The lender "has a highly reliable customer deposit funding base, with manageable short-term obligations," S&P said.

However, the sovereign ratings on Guatemala limit those on the lender because the rating agency does not believe that the bank would withstand a stress scenario for capital and liquidity given its "significant exposure" to Guatemala in terms of government bonds and loans to local enterprises.

S&P Global Ratings and S&P Global Market Intelligence are owned by S&P Global Inc.