Good geographic and loan portfolio diversification in Central America Strong market position and franchise value in retail banking, particularly in credits cards Good management team with a clear strategy Support from parent, General Electric Capital Corp. Doing business in small economies Rapid growth of the loan portfolio and some devaluation risk in countries such as Costa Rica Adequate capital ratio given the region's sovereign risks Standard&Poor's Ratings Services' ratings on BAC International Bank Inc. (BIB) reflect its competitive position within Central America, its good profitability, conservative liquidity position, and capable management. BIB's strategic importance to its parent, General Electric Capital Corp. (GECC), which owns 75% of the bank, also supports the ratings. The ratings on BIB are also
