惠誉下调非洲进出口银行评级，称其信用风险“高”

Group 1 - Fitch Ratings downgraded the long-term foreign currency debt rating of Afreximbank from "BBB" to "BBB-" with a negative outlook, citing increased credit risk and weakened risk management policies [1][2] - The bank's non-performing loans have exceeded the 6% high-risk threshold, indicating a decline in financial health [1] - Increased exposure to high-risk countries such as Ghana, South Sudan, and Zambia has contributed to the bank's elevated risk profile [1] Group 2 - Fitch noted that if some sovereign debts of Afreximbank are restructured, it could impact the bank's operations and strategic relevance [2] - Despite concerns, the bank maintains a strong capital position with an equity-to-assets ratio of 19% and excellent internal capital generation capabilities [2] - The bank's liquidity is robust, with 50% of treasury assets rated "AA-" or higher, and a high collateralization rate of 84% for its loan portfolio [2] Group 3 - To improve its rating, Fitch recommends enhancing loan reporting transparency, reducing exposure to high-risk countries, and strengthening risk management governance [2] - A sustained reduction in the non-performing loan ratio to below 6% and achieving geographical diversification in loans would help stabilize the bank's rating outlook [2]