Strong business stability as a result of its large market share within Guatemalan financial system Large and stable deposit base align with adequate funding and liquidity ratios Moderate capitalization Higher level of dollarization in its loan portfolio compared with the Guatemalan banking system and other regional peers Concentration in the commercial segment The stable outlook reflects our expectation that the bank will remain one of the largest financial institutions in the country with a market share of more than 15% in terms of loans and deposits for the next 12-18 months. The ratings on Banco G&TC will move in tandem with those on the sovereign. So, an upgrade will be possible if we were to raise the sovereign ratings. On
