TORONTO (Standard&Poor's) Nov. 2, 2005--Standard&Poor's Ratings Services today said it assigned its 'BBB-' and 'BBB' counterparty credit ratings, respectively, to Home Capital Group Inc. (Home Capital; TSX: HCG) and its principal and wholly owned operating subsidiary, Home Trust Co. The outlook is stable. The ratings on Toronto-based Home Capital and Home Trust, a federally regulated trust company and a member of the Canadian Deposit Insurance Corp. (CDIC), reflect the company's strong and defendable niche position in the Canadian residential mortgage sector, strong and uninterrupted growth in earnings in the past decade, its good asset quality, and very strong regulatory capital ratios. These strengths are somewhat offset by the higher risk profile of Home Capital's customer base,
