A leading player in consumer lending as one of the largest financial institutions in Central America on a consolidated basis; and Highly diversified by geography, economic sectors, and clients, which provides business stability. Recent economic strains and political volatility in the region could pose a risk for the bank's profitability and asset quality metrics; The weak risk-adjusted capital (RAC) ratio reflects the region's high economic risks; and Stiff competition in the region could pressure interest margins, and consequently, bottom-line results. The stable outlook on Promerica Financial Corporation (PFC) for the next 12 months reflects our expectation that our projected RAC ratio will be about 4.67% for the next two years, along with stable asset quality metrics despite the region's challenging
