Warning against illegal forex trading/dealing | Disclosures on Risk Based Capital (Basel-III)
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Credit Rating
International (by Moody's)
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.'
Local (by CRISL)
Date of Rating : 28 June 2018 Valid up to: 27 June 2019
Long Term Short Term
Surveillance Rating AA+ ST-2
Outlook Stable
As per CRISL Report 'CRISL has reaffirmed the long term rating "AA+" and the short-term rating "ST-2" to EBL. The above ratings have been arrived at after an in-depth analysis of the operational and financial performance of the Bank along with all its relevant quantitative and qualitative information.

During the year, the Bank's financial performance, capital adequacy, non-funded business, operational network were sound reflecting strong position of the Bank. However, although the Bank is operating with comfortable adequacy at present, it needs to take care of increasing requirement of capital adequacy maintenance under Basel-III regime. At the same time, appropriate attention and regular monitoring is also needed to keep the asset quality under control which may have positive impact on keeping desired profitability.

Banks rated in this category are adjudged to be of high quality, offer higher safety and have high credit quality. This level of rating indicates a banking entity with a sound credit profile and without significant problems. Risks are modest and may vary slightly from time to time because of economic conditions. Short-term rating indicates high certainty of timely repayment. Liquidity factors are strong and supported by good fundamental protection factors. Risk factors are very small.

CRISL also viewed the Bank with "Stable Outlook" and believes that Bank will be able to maintain its good fundamentals in the future.'
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