NTB's ratings reflect its improved financial position, particularly in terms of its asset quality and capitalisation since end-2009, and a developing franchise among most customer segments. Fitch also notes the bank's high exposure to consumer products and leases that renders its asset quality more susceptible to economic downturns. The continued consolidation of the bank's franchise particularly in the area of funding alongside a sustained improvement in its financial profile closer to that of higher-rated licensed commercial banks may result in a rating upgrade. NTB's aggressive pursuit of credit expansion that could potentially weaken capitalisation and liquidity profile may result in a rating downgrade.
http://www.lbt.lk/corporate/evaluations/727-credit-risk