The positive outlook on BAC International Bank Inc. (BIB) and Credomatic International Corp. (Credomatic) reflect that of its operating parent company, Banco de Bogota S.A. y Subsidiarias. We also expect BIB will maintain its leading business position as the largest credit card provider in Central America. In addition, we forecast its risk-adjusted capital (RAC) ratio to remain above 7%. If our assessment of its core status with Banco de Bogotá remains unchanged in the future, the ratings on both BIB and Credomatic will move in tandem with those of its parent. If BIB's SACP weakens, due to a lower-than-expected RAC, or the bank weakens its risk position due to aggressive growth in untested and riskier market segments, we are unlikely
