Solid market share in terms of loans and deposits; and Diversified business activities that provide stability. Moderate capitalization levels because of high economic risk; High concentrations in terms of economic sectors and clients; and Small economy with highly volatile economic conditions that could add instability to the bank´s asset quality metrics. The stable outlook on the National Commercial Bank of Jamaica (NCBJ) mirrors that on the sovereign and our expectation that the bank will maintain its business stability for the next 12 months, thanks to its leading position as the largest financial institution in the country. Additionally, we expect its risk-adjusted capital (RAC) ratio to be 5.5%-6.0% in the next two years, asset quality metrics to remain stable--with nonperforming assets
