As per Moody's Report 'EBL's long-term foreign currency deposit rating of B1 and long-term local currency deposit rating of Ba3 reflect
the Bank's Baseline Credit Assessment (BCA) of b1 and our assumption of a moderate level of systemic support from the Government of
Bangladesh (Ba3 stable). The support assumption is based on the Bank's relatively low market share, balanced against the government's
track record of supporting the banking system.
EBL's BCA reflects the bank's (1) track record of strong asset quality, reflecting its prudent lending standards (2) moderate capitalization
as a result of an aggressive growth strategy (3) modest profitability because of its concentration in low-yield corporate loans (4) relatively
tight funding and liquidity, with refinancing risks mitigated because of the less-confidence sensitive funding from the local central bank -
Bangladesh Bank, and multilateral institutions.'