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+ Debt Ratings + Bank Loan Ratings + Issuer Ratings + Corporate Governance Rating + Recovery Rating Financial Sector Ratings CARE’s ratings factor in the array of risks that have an effect on the Financial Sector company viz business risks, legal risk, financial risks and management risks. Moody’s and Standard & Poor’s (“S&P”) are the two largest credit rating agencies that analyze the creditworthiness of corporations spanning every industry sector. The long-term ratings are opinions of the relative credit risk of each tenant’s financial obligations with an original maturity of one year or more. The above mentioned ratings represent the opinions of the respective rating agencies and do not reflect the views of the State Bank of Pakistan. As such, these ratings should not be construed as an investment advice by SBP.

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