Emerging Credit Rating Limited (ECRL)

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Emerging Credit Rating Limited (ECRL)

Emerging Credit Rating Limited (ECRL) External Credit Assessment Institution (ECAI) It is not an all-encompassing label of “goodness” for a corporation.

Credit Rating is an informed, well-researched and thought out opinion on the likelihood of risk of default of a corporation which can fall under the label of a financial institution, an insurance company or a non-banking corporation. The assessment may be that of an organization’s risk of default on its financial obligations in general, or the likelihood of default on a particular loan or debt. It

can be seen as fulfilling the need for more information in the market by providing current and timely Rating based on a standardized scale, a response to the demand for more information by issuers and borrowers. According to current law, public offers of all debt instruments are required to have a Credit rating prior to being issued. This mandate includes bonds, debentures, commercial paper, structured finance and asset/mortgage backed securities. In addition, initial public offering of all banks and non-financial institutions require a credit assessment, along with public issues of shares at a premium. The competitive landscape of the Credit Rating industry consists of only two local companies. We believe there is a huge potential for growth in this industry and look forward to serving our clients and investors with the highest quality of risk assessment and Credit Rating services. Emerging Credit Rating Limited (hereinafter referred to as ECRL) was incorporated in March 2009, with the view to providing Credit Rating Services in Bangladesh. ECRL is committed to providing Bangladesh’s credit market with independent and prospective credit opinions, research and data. In addition to our core rating business, in the future we hope to branch out into providing research data and analytical tools for assessing credit risk, and publish market-leading credit opinions. The company has been built on a foundation of local market experience, which spans throughout the Corporate sector of the country. The company is headquartered in Dhaka, Bangladesh, with a view to expansion to other financial districts all over the nation. ECRL has established a technical collaboration with a Malaysian Rating Company known as Malaysian Rating Corporation Berhard (MARC), which is also affiliated with one of the top ranking Rating companies in the world “Fitch Ratings”. Under the technical agreement, ECRL shall adopt all the rating methodologies, definitions and symbols of MARC, who implements the standard global practices of its affiliate.

26/02/2025

Bangladesh’s economy is showing signs of recovery with improving indicators, but inflation, revenue shortfalls, and external pressure continue to pose risks. Sustained growth will depend on strategic policy measures and economic stability.

25/02/2025

Bangladesh’s tax revenue has returned to positive growth, but the government still faces a challenging target for the fiscal year. Despite improvements, meeting the ambitious tax collection goal will require stronger enforcement and policy support.

24/02/2025

Bangladesh Shipping Corporation (BSC) is set to purchase six new vessels worth USD 330 million to boost the country's maritime capacity. The investment aims to enhance global trade operations and reduce reliance on foreign shipping services.

23/02/2025

Bangladesh’s fresh fruit imports fell in the first half of FY24 due to rising costs, currency devaluation, and higher tariffs. Consumers are opting for local alternatives as prices surge, impacting market dynamics. Experts suggest policy adjustments to balance affordability and supply.

21/02/2025

সকল ভাষা শহীদদের প্রতি রইল বিনম্র শ্রদ্ধা।

18/02/2025

Bangladesh’s imports are bouncing back, driven by strong export growth and steady remittance inflows. As the economy gains traction, rising imports suggest increased demand for raw materials and capital goods. Experts view this as a positive sign of economic recovery, though challenges remain in maintaining trade balance.

17/02/2025

Tea production in Bangladesh fell to 9.3 crore kg in 2024, down from 10.29 crore kg in 2023. Experts blame unpredictable weather, extreme heat, and labor strikes for the decline. Despite lower output, exports have surged due to last year's stock. With Bangladesh lagging behind neighboring countries in productivity, experts urge investment in climate-resilient tea varieties and modern farming techniques.

16/02/2025

Bangladesh’s GDP is expected to surpass USD 500 billion for the first time in FY26, driven by steady growth and policy support. However, inflation, investment challenges, and global economic factors remain key hurdles. Can the nation sustain this momentum?

13/02/2025

ECRL at the ROSC Assessment 2025 Consultation | The World Bank & ACCA Bangladesh

Emerging Credit Rating Ltd. (ECRL), was honored to participate in the ROSC Assessment 2025 Consultation, organized by The World Bank and ACCA Bangladesh. As an ACCA Approved Employer, ECRL remains dedicated to enhancing financial transparency and strengthening regulatory frameworks in Bangladesh.

With a track record of conducting credit ratings for over 56,000 businesses, ECRL has gained deep insights into the financial landscape, particularly in the SME sector, which represents over 90% of businesses in Bangladesh. A significant challenge observed is that many SMEs lack structured financial record-keeping systems, making compliance with complex regulatory frameworks difficult.

At the consultation, our CEO, Arifur Rahman, FCCA, FCA, CSAA, highlighted these realities and suggested a more practical and adaptable approach to financial reporting for SMEs. Recognizing their crucial role in the economy, he emphasized the need for a framework that is both accessible and implementable, ensuring wider participation and compliance.

ECRL appreciates the engaging discussions and perspectives shared at this esteemed event and looks forward to continued collaboration in shaping a financial ecosystem that fosters growth, transparency, and inclusivity.

12/02/2025

𝐇𝐨𝐧𝐨𝐫𝐢𝐧𝐠 𝐄𝐱𝐜𝐞𝐥𝐥𝐞𝐧𝐜𝐞: 𝐄𝐂𝐑𝐋 𝐀𝐧𝐧𝐮𝐚𝐥 𝐀𝐰𝐚𝐫𝐝𝐬

Success is built on hard work, dedication, and a vision that drives change. This year, we proudly recognize the outstanding individuals who have set new benchmarks with their exceptional performance, strategic thinking, and relentless commitment!

𝐶𝑜𝑛𝑔𝑟𝑎𝑡𝑢𝑙𝑎𝑡𝑖𝑜𝑛𝑠 𝑡𝑜 𝑜𝑢𝑟 𝐴𝑐ℎ𝑖𝑒𝑣𝑒𝑟𝑠!

Watchdog of The Year – Ms. Lubna Afroz
Trailblazer of the Year – Mr. Md. Mamun UL Haque Mullick & Mr. Md. Harun Chowdhury
Game Changer of The Year – Mr. Md. Shaiful Hasan
Champion Analyst: SME – Mr. Kazi Md. Shibli Noman
1st Runner Up: SME – Mr. Md. Tareq Hossain
Champion Analyst: Corporate – Mr. Prosenjit Datta Kanongo
Emerging Analyst: Corporate – Mr. Md. Shohan Hossain
Champion Business Development of the Year – Mr. Md. Rashimuzzaman
1st Runner Up Business Development of the Year – Mr. Tanverol Alam
Emerging Performer of the Year – Mr. Alimuzzaman

Your passion, perseverance, and innovation are the driving forces behind our success. Let’s continue to achieve, inspire, and lead the way!

12/02/2025

𝐄𝐂𝐑𝐋 𝐀𝐧𝐧𝐮𝐚𝐥 𝐌𝐞𝐞𝐭𝐢𝐧𝐠 𝟐𝟎𝟐𝟓 – 𝐀 𝐉𝐨𝐮𝐫𝐧𝐞𝐲 𝐨𝐟 𝐆𝐫𝐨𝐰𝐭𝐡 & 𝐅𝐮𝐧!

Three days of insightful discussions, strategic planning, and skill-building—wrapped in moments of teamwork, laughter, and celebration! From budget talks to engaging training sessions, exciting quizzes, and a delightful Pitha Utshab, we made every moment count!

Swipe through the highlights and relive the energy!𝑆𝑤𝑖𝑝𝑒 𝑡ℎ𝑟𝑜𝑢𝑔ℎ 𝑡ℎ𝑒 ℎ𝑖𝑔ℎ𝑙𝑖𝑔ℎ𝑡𝑠 𝑎𝑛𝑑 𝑟𝑒𝑙𝑖𝑣𝑒 𝑡ℎ𝑒 𝑒𝑛𝑒𝑟𝑔𝑦!

11/02/2025

Bangladesh's per capita income fell to $2,738 in FY24, marking a decline amid economic challenges. Inflation, reduced exports, and slower growth have contributed to the drop, raising concerns about financial stability. Can policy measures help reverse the trend?

09/02/2025

The government is considering a 25% regulatory duty on rice bran oil exports to ensure local supply and stabilize domestic prices. Industry players fear this move could hurt exports and impact businesses. Will this duty benefit the local market or hinder the industry?

06/02/2025

For the past three years, wage growth in Bangladesh has remained negative as inflation continues to rise faster than salaries. This gap is putting pressure on workers, reducing their purchasing power, and making everyday essentials harder to afford. Experts urge policy measures to address the growing financial strain.

05/02/2025

𝐄𝐂𝐑𝐋 𝐀𝐬𝐤𝐢𝐧𝐠 𝐭𝐡𝐞 𝐄𝐱𝐩𝐞𝐫𝐭
Interview with Mr. Alamgir Morshed, Executive Director & CEO, IDCOL
(𝐼𝑛𝑓𝑟𝑎𝑠𝑡𝑟𝑢𝑐𝑡𝑢𝑟𝑒 𝐷𝑒𝑣𝑒𝑙𝑜𝑝𝑚𝑒𝑛𝑡 𝐶𝑜𝑚𝑝𝑎𝑛𝑦 𝐿𝑖𝑚𝑖𝑡𝑒𝑑)

04/02/2025

Bangladesh’s exports surged to $7.45 billion in January 2024, reflecting a 10.32% year-on-year growth. The steady rise highlights the resilience of the country’s trade sector, with key industries like RMG leading the way despite global economic uncertainties.

03/02/2025

Bangladesh received over $2 billion in remittances for the sixth straight month, providing a much-needed boost to foreign exchange reserves. This steady inflow highlights the resilience of expatriate workers despite global economic uncertainties.

02/02/2025

Bangladesh's VAT collection from large firms dropped by BDT 402 crore in the first half of FY25, signaling potential economic challenges. The decline raises concerns about reduced business activity and tax compliance, impacting overall revenue generation.

Address

Opening Hours

Monday	08:30 - 17:30
Tuesday	08:30 - 17:30
Wednesday	08:30 - 17:30
Thursday	08:30 - 17:30
Sunday	08:30 - 17:30

Website

http://www.emergingrating.com/

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Videos

আপনার SME ব্যবসা কি Credit Rating এ ভালো Grade পেতে চায়? 📊 জানুন কীভাবে SMEরা নিজেদের আর্থিক অবস্থান উন্নত করে Credit Rating বাড়াতে পারে এবং কীভাবে এটি ব্যবসার প্রবৃদ্ধিতে সহায়ক হয়। #SME #CreditRating #BusinessDevelopment #Finance #Bangladesh

ছোট ও মাঝারি ব্যবসায়ের (SME) জন্য ক্রেডিট রেটিংয়ের গুরুত্ব নিয়ে আলোচনা! 💡 Credit Rating কীভাবে SME জন্য সুবিধা নিয়ে আসে, অর্থায়নে সহায়তা করে, এবং ব্যবসার বৃদ্ধিতে ভূমিকা রাখে তা জানুন। 📈 #Creditrating #SME #BusienssUpgrade #Finance #Bangladesh

আপনি কি জানেন মুডি'স সম্প্রতি বাংলাদেশের রেটিং B2-তে নামিয়ে 'নেগেটিভ আউটলুক' ঘোষণা করেছে? কিন্তু এর কারণ কী এবং এর প্রভাব কী হতে পারে? আমাদের আজকের ভিডিওতে আমরা আলোচনা করেছি: 🔹 মুডি'স এর রেটিং ডাউনগ্রেডের অর্থ কী? 🔹 ডাউনগ্রেডের কারণগুলো কী? 🔹 বর্তমান পরিস্থিতি ও সরকারের নেওয়া পদক্ষেপ কী কী? 🔹 ভবিষ্যৎ চ্যালেঞ্জ ও করণীয়। YouTube Link: https://www.youtube.com/@ecrlinsights 📈 এই ভিডিওটি আপনাকে দেশের অর্থনৈতিক অবস্থা সম্পর্কে বিস্তারিত জানতে এবং সচেতন থাকতে সহায়তা করবে। #CreditRating #Moodys #BangladeshEconomy #BusinessInsights #SovereignRating #EconomicUpdate #FinancialStability #BusinessTips

বাংলাদেশের Credit Rating Agency বনাম Moody's এবং S&P: পার্থক্য কোথায়? N.K.A. Mobin | Expert-Insights

বাংলাদেশের Credit Rating Agency গুলো এবং আন্তর্জাতিক Credit Rating Agency যেমন Moody's এবং S&P এর মধ্যে মূল পার্থক্য কী? আমাদের দেশীয় সংস্থা কি Sovereign Rating করে? আর বিদেশি কোম্পানিগুলোকে কি আমরা রেট করতে পারি? এই ভিডিওতে, ECRL-এর Executive President এবং ACRAB-এর President, জনাব N.K.A. Mobin, FCS, FCA এই গুরুত্বপূর্ণ প্রশ্নগুলোর উত্তর দিয়েছেন। ভিডিওটি দেখুন এবং দেশের Credit Rating Industry সম্পর্কে বিস্তারিত জানুন। #CreditRating #ECRL #NKA_Mobin #Moodys #S&P #BangladeshFinance #SovereignRating #BusinessInsights

Credit Rating Industry-তে Competition কি প্রয়োজনীয় অথবা ক্ষতিকর? | N.K.A. Mobin | Expert-Insights

Credit Rating Industry-তে Competition কি সত্যিই প্রয়োজনীয়? এটি কি Industry-এর মানোন্নয়ন এবং Transparency বাড়াতে সাহায্য করে? এই ভিডিওতে, ECRL-এর Executive President এবং ACRAB-এর President, জনাব N.K.A. Mobin, FCS, FCA Credit Rating Industry-তে প্রতিযোগিতার গুরুত্ব এবং এর প্রভাব নিয়ে আলোচনা করেছেন। ভিডিওটি দেখুন এবং Credit Rating Industry-এর ভবিষ্যৎ এবং উন্নয়নের দিকগুলো সম্পর্কে জানতে থাকুন। #CreditRating #ECRL #NKA_Mobin #CreditRatingIndustry #FinanceBangladesh #BusinessInsights

Credit Rating Downgrade মানেই কি Default? Rating Improvement Tips | N.K.A. Mobin | Expert-Insights

কোনো entity-এর Credit Rating downgrade মানেই কি default এর আশঙ্কা? আর যারা তাদের Credit Rating উন্নত করতে চান, তাদের জন্য কি গুরুত্বপূর্ণ পরামর্শ আছে? এই ভিডিওতে, ECRL-এর Executive President এবং ACRAB-এর President, জনাব N.K.A. Mobin, FCS, FCA Credit Rating downgrade-এর মানে এবং এটি প্রতিরোধ বা উন্নত করার উপায় নিয়ে আলোচনা করেছেন। ভিডিওটি দেখুন এবং Credit Rating সম্পর্কিত গুরুত্বপূর্ণ দিকগুলো সম্পর্কে জানুন। #CreditRating #ECRL #NKA_Mobin #CreditRatingTips #FinanceBangladesh #BusinessInsights

Credit Rating কি একবারই করা হয়? Is rating a one-time exercise? | N.K.A. Mobin | Expert-Insights

Credit Rating কি শুধুমাত্র একবারই করা হয় নাকি এটি একটি চলমান প্রক্রিয়া? এই ভিডিওতে, ECRL-এর Executive President এবং ACRAB-এর President, জনাব N.K.A. Mobin, FCS, FCA এই গুরুত্বপূর্ণ প্রশ্নের উত্তর দিয়েছেন এবং Credit Rating প্রক্রিয়ার ধারাবাহিকতা নিয়ে আলোচনা করেছেন। ভিডিওটি দেখুন এবং Credit Rating এর দীর্ঘমেয়াদী প্রভাব এবং এর পুনর্মূল্যায়ন সম্পর্কে জানুন। #CreditRating #NKA_Mobin #ECRL #BangladeshFinance #CreditRatingProcess #FinancialInsights

Credit Rating কি একবারই করা হয়? Is rating a one-time exercise? | N.K.A. Mobin | Expert-Insights

Credit Rating কিভাবে Banks এবং Financial Institutions কে সাহায্য করে? | N.K.A. Mobin | Expert-Insights

Banks এবং Financial Institutions কি ভাবে Credit Rating ব্যবহার করে? এই অংশে ECRL-এর Executive President এবং ACRAB-এর President, জনাব N.K.A. Mobin, FCS, FCA আলোচনা করেছেন: ✔️ Credit Rating এর মাধ্যমে Banks এবং Financial Institutions কীভাবে ব্যবসার ঝুঁকি বিশ্লেষণ করে। ✔️ Businesses-এ Credit Facilities প্রদানের ক্ষেত্রে কতটা সতর্কতা অবলম্বন করা হয়। ভিডিওটি দেখুন এবং জানুন Credit Rating এর গুরুত্বপূর্ণ ভূমিকা সম্পর্কে। #CreditRating #ECRL #NKA_Mobin #FinancialInstitutions #Banks #BangladeshFinance #BusinessInsights

Credit Rating Agencies কিভাবে নিজেদের independence বজায় রাখে, যদিও entities/businesses তাদের রেটিং-এর জন্য পেমেন্ট করে? এই গুরুত্বপূর্ণ প্রশ্নের উত্তর দিয়েছেন ECRL-এর Executive President এবং ACRAB-এর বর্তমান President, জনাব N.K.A. Mobin, FCS, FCA। এই অংশে থাকছে: ✔️ Credit Rating Agency-এর independence নিশ্চিত করার পদ্ধতি। ✔️ Industry best practices নিয়ে আলোচনা। ভিডিওটি দেখুন এবং Credit Rating Industry সম্পর্কে গুরুত্বপূর্ণ অন্তর্দৃষ্টি অর্জন করুন।

Credit Rating Agencies কি সত্যিই Independent? | N.K.A. Mobin | ECRL Expert-Insights Part-3

Credit Rating কীভাবে কোনো entity-এর creditworthiness মূল্যায়ন করে? Credit Rating এর Evaluation Criteria এবং এর প্রভাব নিয়ে এই ভিডিওতে কথা বলেছেন ECRL-এর Executive President এবং ACRAB-এর বর্তমান President, জনাব N.K.A. Mobin, FCS, FCA। এই অংশে থাকছে: ✔️ Credit Rating এর Evaluation Criteria। ✔️ Credit Information Bureau এবং Credit Rating Agency-এর মধ্যে পার্থক্য। ✔️ Credit Rating দেওয়ার সময় গুরুত্বপূর্ণ Common Factors। ✔️ Difference between Credit Rating and CIB #CreditRating #ECRL #BangladeshFinance #Creditworthiness #EvaluationCriteria #CreditInformationBureau #BanglaFinance

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Alerts

Contact The Business

Videos

বাংলাদেশের Credit Rating Agency বনাম Moody's এবং S&P: পার্থক্য কোথায়? N.K.A. Mobin | Expert-Insights

Credit Rating Industry-তে Competition কি প্রয়োজনীয় অথবা ক্ষতিকর? | N.K.A. Mobin | Expert-Insights

Credit Rating Downgrade মানেই কি Default? Rating Improvement Tips | N.K.A. Mobin | Expert-Insights

Credit Rating কি একবারই করা হয়? Is rating a one-time exercise? | N.K.A. Mobin | Expert-Insights

Credit Rating কি একবারই করা হয়? Is rating a one-time exercise? | N.K.A. Mobin | Expert-Insights

Credit Rating কিভাবে Banks এবং Financial Institutions কে সাহায্য করে? | N.K.A. Mobin | Expert-Insights

Credit Rating Agencies কি সত্যিই Independent? | N.K.A. Mobin | ECRL Expert-Insights Part-3

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