Remains the lead player within consumer lending and the largest financial institution on a consolidated basis in Central America; Highly diversified in the region in terms of credit exposure by geography, economic sector, and client, allowing us to rate the bank above the sovereign rating of Costa Rica, to which it is highly exposed (27%). Despite economic challenges in the region, the bank has solid and stable asset quality metrics compared to its main peers in the region considering its high exposure to consumer lending. Recent economic struggles and political volatility in the region could represent a challenge for the bank's profitability and asset quality metrics. The moderate risk-adjusted capital (RAC) ratio reflects the region's economic risks. The stable outlook
