Leading business position in consumer lending in Central America; Very profitable operations; Sound business diversification provides sufficient capital and liquidity cushion to protect the bank in the hypothetical event of Costa Rica's default; and Core status to its Colombia-based parent, Banco de Bogota. Despite business diversification, it operates in small economies, which are more vulnerable to external shocks; and Moderate risk-adjusted capital ratio given the region's economic risks. The stable outlook on Panama-based universal bank, BAC International Bank Inc. (BIB), and British Virgin Islands-based Credomatic International Corp. (Credomatic) continues to reflect its sound and leading business position in Central America, as well as the very profitable operations while operating in higher risk economies. The outlook also reflects that of its
