...Balance Sheet Strength: Interbank's viability and issuer default ratings (VR and IDR, respectively) are driven by its consistently strong performance, robust credit process, good asset quality, sound franchise, adequate capital, stable economic and regulatory environment, and improving funding base. The ratings also consider its business model that leads to more concentration in the retail segment and the challenges related to the asymmetric liquidity in the market. Sound Asset Quality: Interbank has developed information-intensive credit scoring models and modern monitoring tools. Credit origination policies are conservative and collection efforts effective. A sound risk management team helps maintain very good asset quality. Past-due loans (90-day PDLs) did not exceed 2% of gross loans for the past five years. Robust Performance: Interbank's performance has been consistently strong driven by loan growth, high margins, adequate expense control, and moderate credit costs. This bolstered...
