{"id":2958,"date":"2021-05-19T12:45:09","date_gmt":"2021-05-19T16:45:09","guid":{"rendered":"https:\/\/craftedcaribbean.com\/caricris\/?p=2958"},"modified":"2025-07-02T12:45:51","modified_gmt":"2025-07-02T16:45:51","slug":"victoria-mutual-investments-limited-vmil","status":"publish","type":"post","link":"https:\/\/craftedcaribbean.com\/caricris\/rating-releases\/victoria-mutual-investments-limited-vmil\/","title":{"rendered":"Victoria Mutual Investments Limited (VMIL)"},"content":{"rendered":"<h2>RATING DRIVERS<\/h2>\n<p class=\"badge\">Supporting Factors<\/p>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 10pt; line-height: 120%; font-family: 'Book Antiqua', serif;\">Growing player in the Jamaica financial services sector with strong support from the Victoria Mutual Building Society<\/span><\/li>\n<li><span style=\"font-size: 10pt; line-height: 120%; font-family: 'Book Antiqua', serif;\">History of good financial performance <\/span><\/li>\n<li><span style=\"font-size: 10pt; line-height: 120%; font-family: 'Book Antiqua', serif;\">Adequate capitalisation levels <\/span><\/li>\n<\/ul>\n<p style=\"margin-bottom: 0cm; line-height: 120%;\"><b class=\"badge\"><span style=\"text-decoration: underline;\"><span style=\"font-size: 10pt; line-height: 120%; font-family: 'Book Antiqua', serif;\">Constraining Factors<\/span><\/span><\/b><i><\/i><\/p>\n<ul style=\"list-style-type: square;\">\n<li><span style=\"font-size: 10pt; line-height: 120%; font-family: 'Book Antiqua', serif;\">Structural subordination of VMIL\u2019s cash flows and current repayment structure of outstanding debt may subject the Company to refinancing risks <\/span><\/li>\n<li><span style=\"font-size: 10pt; line-height: 120%; font-family: 'Book Antiqua', serif;\">Small player in a highly competitive market<\/span><\/li>\n<li><span style=\"font-size: 10pt; line-height: 120%; font-family: 'Book Antiqua', serif;\">Significant exposure to the highly indebted Jamaica economy<\/span><\/li>\n<\/ul>\n<p><span class=\"badge\">Rating Sensitivity Factors<\/span><\/p>\n<p style=\"line-height: 120%;\"><b><span style=\"font-size: 10pt; line-height: 120%; font-family: 'Book Antiqua', serif;\">Factors that could lead to an improvement of the ratings and\/ or Outlook include:<\/span><\/b><\/p>\n<ul>\n<li><span style=\"font-size: 10pt; line-height: 120%; font-family: 'Book Antiqua', serif;\">Expansion of the Group\u2019s product and service offerings and\/or improvements in net interest spreads leading to a sustained increase in PAT of 10% or more for 2 years<\/span><\/li>\n<li><span style=\"font-size: 10pt; line-height: 120%; font-family: 'Book Antiqua', serif;\">An improvement in the credit rating of the Government of Jamaica <\/span><\/li>\n<li><span style=\"font-size: 10pt; line-height: 115%; font-family: 'Book Antiqua', serif;\">Successful refinancing of debt due in the next 12-months leading to a reduction in the overall cost of funds<\/span><\/li>\n<\/ul>\n<p style=\"line-height: 120%;\"><b><span style=\"font-size: 10pt; line-height: 120%; font-family: 'Book Antiqua', serif;\">Factors that could lead to a lowering of the ratings and\/ or Outlook include:<\/span><\/b><\/p>\n<ul>\n<li><span style=\"font-size: 10pt; line-height: 120%; font-family: 'Book Antiqua', serif;\">Deterioration in VMWM\u2019s total capital to total assets ratio to 7.5% or lower <\/span><\/li>\n<li><span style=\"font-size: 10pt; line-height: 120%; font-family: 'Book Antiqua', serif;\">A deterioration of VMWM\u2019s capital base to risk weighted assets ratio to 12.5% or lower<\/span><\/li>\n<li><span style=\"font-size: 10pt; line-height: 115%; font-family: 'Book Antiqua', serif;\">A lowering of the credit rating of the Government of Jamaica<\/span><\/li>\n<li><span style=\"font-size: 10pt; line-height: 115%; font-family: 'Book Antiqua', serif;\">Failure to repay or refinance upcoming debt maturities<\/span><\/li>\n<\/ul>\n<ul>\n<li>\n<div style=\"border-color: currentcolor currentcolor windowtext; border-style: none none solid; border-width: medium medium 1pt; padding: 0cm 0cm 1pt;\">\n<p style=\"text-align: justify; line-height: 120%; padding: 0cm;\"><b><span style=\"font-family: 'Book Antiqua', serif;\">COMPANY BACKGROUND<\/span><\/b><\/p>\n<\/div>\n<p style=\"text-align: justify; line-height: 120%; background: white none repeat scroll 0% 0%;\">\n<p style=\"margin-bottom: 0cm; text-align: justify; line-height: 120%;\"><span style=\"line-height: 120%; font-family: 'Book Antiqua', serif;\">Victoria Mutual Investments Limited (VMIL or the Company) is domiciled in Jamaica and was incorporated in 1984. The Company is 80% owned by the Victoria Mutual Building Society (VMBS or the Building Society)<\/span><a id=\"ftnref1\" style=\"vertical-align: super;\" href=\"#ftn1\" name=\"_ftnref1\"><sup>[1]<\/sup><\/a><span style=\"line-height: 120%; font-family: 'Book Antiqua', serif;\"> with the other 20% owned by various institutional and individual investors following the listing of 20% of its shares on the Jamaica Stock Exchange (JSE) in 2017. In 1994, a wholly-owned subsidiary, Victoria Mutual Wealth Management Limited (VMWM) was incorporated. VMWM is licensed by the Jamaica Financial Services Commission (FSC). <\/span><\/p>\n<p style=\"margin-bottom: 0cm; text-align: justify; line-height: 120%;\"><span style=\"line-height: 120%; font-family: 'Book Antiqua', serif;\">VMIL and its subsidiary provide a comprehensive suite of financial services and contribute to the Victoria Mutual Group\u2019s (the VM Group<\/span><a id=\"ftnref2\" style=\"vertical-align: super;\" href=\"#ftn2\" name=\"_ftnref2\">[2]<\/a><span style=\"line-height: 120%; font-family: 'Book Antiqua', serif;\">) overall goal of being an integrated financial services Group. VMIL\u2019s range of products and services includes margin loans, insurance premium financing, lease financing, underwriting services and secured corporate loans. Additionally, as a licensed securities dealer, VMWM also offers a range of services including stock and investment brokering, investment advisory services and securities dealing services. Since 2011, VMWM has managed to diversify its sources of revenue from primarily interest income as it increased its activities in the asset management and capital markets spaces. <\/span><\/p>\n<p style=\"margin-bottom: 0cm; text-align: justify; line-height: 120%;\"><span style=\"line-height: 120%; font-family: 'Book Antiqua', serif;\">The Group continues to increase its product and service offerings towards further diversification and expansion. In September 2019, VMIL took its first step towards regional expansion with the acquisition of a 30% stake in Carilend<\/span><a id=\"ftnref3\" style=\"vertical-align: super;\" href=\"#ftn3\" name=\"_ftnref3\">[3]<\/a><span style=\"line-height: 120%; font-family: 'Book Antiqua', serif;\"> . <\/span><\/p>\n<p><a id=\"ftn1\" style=\"vertical-align: super;\" href=\"#ftnref1\">[1]<\/a> <i><span style=\"font-size: 9pt; font-family: 'Book Antiqua', serif;\">VMBS was incorporated in Jamaica in 1878 as a Building Society and currently has approximately 300,000 members. Over the years VMBS has transitioned and diversified its operations into Wealth Management, Asset Management, Pensions Management, and other financial services. VMBS is regulated by the Bank of Jamaica.<\/span><\/i><\/p>\n<p><a id=\"ftn2\" style=\"vertical-align: super;\" href=\"#ftnref2\">[2]<\/a> <i><span style=\"font-size: 9pt; font-family: 'Book Antiqua', serif;\">Refers to VMBS and its subsidiaries which includes Victoria Mutual Property Limited, Victoria Mutual Pensions Management Limited, VMBS Money Transfer Services Limited, Victoria Mutual Finance Limited (UK),<\/span><\/i> <i><span style=\"font-size: 9pt; font-family: 'Book Antiqua', serif;\">VMBS Overseas (UK) Limited, and Victoria Mutual Foundation Limited.<\/span><\/i><i><\/i><\/p>\n<p><a id=\"ftn3\" style=\"vertical-align: super;\" href=\"#ftnref3\">[3]<\/a><i><span style=\"font-size: 9pt; font-family: 'Book Antiqua', serif;\">Carilend is a FinTech company incorporated in Barbados and founded in 2015 facilitating peer to peer lending in the Caribbean.<\/span><\/i><i><\/i><\/li>\n<\/ul>\n<p style=\"margin-bottom: 0cm; line-height: 150%;\"><i><span style=\"font-size: 10pt; line-height: 150%; font-family: 'Book Antiqua', serif;\">Analytical Contacts:<\/span><\/i><\/p>\n<p><span style=\"font-family: 'Book Antiqua', serif; color: black;\">Kathryn Budhooram<\/span><\/p>\n<p><i><span style=\"font-family: 'Book Antiqua', serif; color: black; font-weight: normal;\">Tel: 1-868-627-8879 Ext. 229<\/span><\/i><\/p>\n<p><i><span style=\"font-family: 'Book Antiqua', serif; color: black; font-weight: normal;\">E-mail: <a href=\"mailto:kbudhooram@caricris.com\">kbudhooram@caricris.com<\/a><\/span><\/i><\/p>\n<p><i><\/i><span style=\"font-family: 'Book Antiqua', serif; color: black;\">Keith Hamlet <\/span><\/p>\n<p><i><span style=\"font-family: 'Book Antiqua', serif; color: black; font-weight: normal;\">Tel: 1-868-627-8879 Ext. 229<\/span><\/i><\/p>\n<p><i><span style=\"font-family: 'Book Antiqua', serif; color: black; font-weight: normal;\">E-mail: <a>khamlet@caricris.com<\/a><\/span><\/i><\/p>\n<p><i><\/i><span style=\"font-size: 8pt; font-family: 'Book Antiqua', serif;\">Website: <\/span><a href=\"http:\/\/www.caricris.com\"><span style=\"font-size: 8pt; font-family: 'Book Antiqua', serif;\">www.caricris.com<\/span><\/a><\/p>\n<p style=\"margin-bottom: 0cm; line-height: normal;\"><span style=\"font-size: 8pt; font-family: 'Book Antiqua', serif;\">E-mail: <a>info@caricris.com<\/a><\/span><\/p>\n<p style=\"text-align: justify;\"><b><span style=\"font-size: 7.5pt; line-height: 115%; font-family: 'Book Antiqua', serif;\">Disclaimer<\/span><\/b><b><span style=\"font-size: 7.5pt; line-height: 115%; font-family: 'Book Antiqua', serif;\">:<\/span><\/b><span style=\"font-size: 7.5pt; line-height: 115%; font-family: 'Book Antiqua', serif;\"> CariCRIS has taken due care and caution in compilation of data for this product. Information has been obtained by CariCRIS from sources which it considers reliable. However, CariCRIS does not guarantee the accuracy, adequacy or completeness of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. No part of this report may be published \/ reproduced in any form without CariCRIS\u2019 prior written approval. CariCRIS is also not responsible for any errors in transmission and especially states that it has no financial liability whatsoever to the subscribers\/ users\/ transmitters\/ distributors of this product.<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>RATING DRIVERS Supporting Factors Growing player in the Jamaica financial services sector with strong support from the Victoria Mutual Building Society History of good financial performance Adequate capitalisation levels Constraining Factors Structural subordination of VMIL\u2019s cash flows and current repayment structure of outstanding debt may subject the Company to refinancing risks Small player in a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[],"table_tags":[],"class_list":["post-2958","post","type-post","status-publish","format-standard","hentry","category-rating-releases"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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