Leading market position and diversified business activities; Large and fragmented deposit base, mostly consisting of retail depositors; and Healthy and stable asset quality metrics, which are stronger than those of main peers. Banco Agricola's profitability metrics are still pressured by tougher competition in El Salvador; Moderate risk-adjusted capital levels; Despite the relatively better economic prospects in the country, uncertain political environment continues to represent a risk for banking performance; and Low economic growth prospects. The stable outlook on Banco Agricola S.A. for the next 12 months mirrors the one on the sovereign. Also, we expect Banco Agricola to remain the largest lender in the country with healthy asset quality metrics. Moreover, the bank will maintain its current risk-adjusted capital levels
