Credit review.
A clear view of the assessment.
SCORE CREDIT REVIEW reports an AA− long-term rating and an A-1 short-term rating for Exim Credit Bank (ECB), with a Stable outlook.
Independent Credit Opinion · 11 July 2026Key findings from the report
The assessment describes ECB’s institutional credit profile as very strong, with low credit risk under normal economic conditions. It classifies the institution as investment grade under the report’s own rating framework.
Governance & management
The review highlights experienced leadership, structured oversight and sound governance practices.
Capital & liquidity
Capital strength and liquidity are assessed as strong, with an appropriate financial risk profile for the business model.
Trade finance capability
Specialist expertise in documentary credits, guarantees, commodity finance, export finance and supply chain finance is identified as a core strength.
Risk & compliance
The report highlights risk management, AML / CTF, customer due diligence, KYC and sanctions screening.
2025 financial highlights
Transactions performed in 2025
- MT700 — Letters of credit
- USD 378 million · 90.6%
- MT760 — Standby letters of credit
- USD 22 million · 5.3%
- MT760 — Bonds & guarantees
- USD 17 million · 4.1%
- Total transaction value
- USD 417 million
Financial figures follow ECB’s 2025 Financial Highlights. The rating and qualitative review are attributed to SCORE CREDIT REVIEW.
Outlook & review details
The Stable outlook reflects the reviewer’s expectation that ECB will maintain its operational profile, governance standards and risk management framework over the medium term. The opinion may change if financial performance, capital, governance, regulation or institutional risk changes materially.
- Assessed institution
- Exim Credit Bank (ECB)
- Prepared by
- SCORE CREDIT REVIEW — UAE
- Assessment date
- 11 July 2026
- Report reference
- SCR/ECB/2026/0710
- Report status
- Independent Credit Opinion