...Standalone Profile Drives IDR: The Issuer Default Rating (IDR) of Asia Commercial Joint Stock Bank (ACB) is driven by its standalone credit profile ¡ as indicated by the Viability Rating. The ratings take into account a moderate franchise, better-than-average asset quality ¡ as reflected by its small concentration risk to state-owned enterprises, among other things ¡ modest capital buffers, and improving financial performance. Economy Supports Asset Quality: ACB's problem loan...