National Commercial Bank Jamaica remains as the largest financial institution in the country, holding significant share of the country's financial system assets and deposits, but operating in a difficult economic environment. We are affirming our long-term 'B-' and 'B' short-term ratings on the bank. The outlook remains negative, reflecting that on the sovereign, since the rating on the bank is capped by the one on Jamaica. SAO PAULO (Standard&Poor's) Nov. 19, 2012--Standard&Poor's Ratings Services affirmed its long-term 'B-' and short-term 'B' ratings on National Commercial Bank Jamaica Ltd. (NCBJ). The outlook is still negative. Standard&Poor's bases its ratings on NCBJ on its "strong" business position, "moderate" capital and earnings, "moderate" risk position, "adequate" liquidity,
