Laiki Bank reaffirmed at investment grade, stable outlook

A leading agency has reaffirmed Laiki Bank's investment-grade rating with a stable outlook, citing the strength of the bank's capital position, the resilience of its deposit funding and prudent risk management across the franchise. For clients, a rating is not an accolade — it is a statement about safety.

The agency pointed to a Common Equity Tier 1 ratio of 17.4%, comfortably above regulatory requirements, alongside a granular, largely relationship-led deposit base that has proven slow to move through cycles.

Why the rating matters to clients

A stable investment-grade rating supports the bank's cost and availability of funding, which in turn underpins its ability to lend and to stand behind the guarantees and instruments clients rely on. It is, in effect, an independent read on the promises the bank makes.

The agency also noted low non-performing exposures and liquidity buffers held well above minimums — the unglamorous foundations of a bank clients can plan around.

We do not manage the balance sheet for ratings; we manage it for stewardship. A stable rating is the by-product of doing that well, and we intend to keep it that way.

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This commentary is provided for information only and does not constitute investment, tax or legal advice. The value of investments and any income from them can fall as well as rise. Figures cited are illustrative for this prototype.