Relatively limited exposure to risky industries Relatively good foreign-currency funding ability and liquidity compared to domestic peers Adequate capitalization Relatively weak local market position Moderate profitability Potential pressure on asset quality from high household leverage The stable outlook on the ratings on Citibank Korea Inc. (CKI) reflects Standard&Poor's Ratings Services' expectation that the bank's asset quality will not deteriorate significantly and it will be able to maintain the current level of capitalization for the coming 18 months, despite increasing pressure from credit risks due to highly leveraged households in Korea. However, the ratings could be affected by material developments at Citigroup Inc. (A-/Negative/A-2), CKI, or both. Thus, the ratings on CKI could come under downward pressure if the
