Sound business position as one of Guatemala's three main banks; and Large and diversified funding base that relies on retail deposits. Concentration in the commercial-corporate lending segment; Exposure to loans by economic group and single-name; and High level of dollarization on the balance sheet. Our stable outlook on Banco G&T Continental (Banco G&TC) for the next 12 months mirrors that on Guatemala. The stable outlook also reflects our expectation that the bank will continue improving its profitability metrics while it maintains manageable asset quality metrics, as well as our expectation that the bank will have an adequate internal capital generation. If we downgrade Guatemala in the next 12 months, we would take a similar action on Banco G&TC. An upgrade
