2020-6-29 · I am pretty sure the following is true $$ text{EAD} = text{Drawn Amount} + text{Undrawn Amount} times CCF $$ where $text{CCF}$ is the credit conversion factor. It means if an overdraft line is drawn to 500 EUR & its limit is 1000 EUR with CCF = 0.5, EAD is 750 EUR. Unfortunately, I have a really hard time finding a reference for that.