Strong business position within the Guatemalan financial system. Large and stable deposit base aligns with its adequate funding and liquidity ratios. Higher level of dollarization in its loan portfolio than the Guatemalan banking system and other regional peers. Moderate capitalization. Loan portfolio concentrated in commercial segment. The ratings on Banco G&TC continue to reflect its large market share as one of the top financial institutions in the country. They also reflect the bank's projected risk-adjusted capital (RAC) ratio of 5.4% on average for the next two years due to its internal capital generation capacity, a reduced dividend payment, and several capital injections that have strengthened Banco G&TC's equity in the past few years. Our assessment also takes into account the
