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Slower growth, improving profitability and a conservative dividend policy (the bank will not distribute dividends for the third consecutive year in 2015) should underpin capital ratios which should also be viewed in the light of the bank’s ample loan loss reserves. SUPPORT RATING AND SRF GNB’s support rating and support rating floor reflect the bank’s somewhat modest systemic importance and Fitch’s perception that the Colombian government would probably support GNB if needed. SUBORDINATED DEBT GNB’s subordinated debt is rated one notch below the bank’s IDR.

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