Overview Key strengths Key risks The largest bank in Guatemala, with a leading market share in the lending businesses it operates. The country's large informal sector and low GDP per capita limit the potential for the bank to increase its retail loan portfolio more rapidly. Sound asset quality metrics, with one of the lowest nonperforming asset ratios in the country. Higher foreign-currency loan exposure compared with the Guatemalan banking system average. Ample financial flexibility due to a large retail deposit base. Its dominant market share in Guatemala and its stable funding structure will continue to support its business stability while boosting its retail lending in the next two years. Moreover, Banco Industrial (BI) will continue to benefit from the high-quality
