An almost certain likelihood that the Mexican government will provide ongoing government support results in financial flexibility and manageable short-term obligations, even during financial distress. Countercyclical operations that during the current financial stress will help the bank expand its loan portfolio. Solid business stability as the third-largest public bank in Mexico and among the 10 largest banks in the country. Better asset-quality metrics than the industry average despite the concentration by economic sector and client. Loan portfolio that's concentrated in the commercial and corporate segments. Lack of retail deposits, although guarantees by the federal government allow the bank access to various funding sources. Higher government fees, which could put pressure on the current capitalization levels if they are not capitalized
