3Q 2023 Investor Presentation slide image

3Q 2023 Investor Presentation

Private Credit Markets 2023 Issuance Factors Overview >>> Risk and sustainability Where Moody's can add value Constitutes loans, bonds, and other credit instruments issued by private companies or in private offerings >> Market has grown significantly since the 2007 - 2008 Global Financial Crisis >>> » Most direct loans are small and unrated Market has grown rapidly; remains opaque, lacking oversight and untested in current market cycle » Credit risk heightened by reduced transparency and rising leverage; industry concentrations key » Investors typically pay higher borrowing costs for execution and certainty in volatile markets » Delivering MIS insightful thought leadership through research and active market engagement » Providing MIS private ratings and independent credit assessments on loans and/or portfolios, in addition to ratings for private credit vehicles, such as Middle Market CLOS, BDCs, feeder funds and private credit funds, in anticipation of issuers coming to the public markets in the future » Enhancing MA products to provide transparency in a significant portion of the private credit markets (e.g. ~12k unrated companies added to CreditView) » Expanding MA sales pipeline for portfolio and credit analysis products (e.g., Risk Calc™M and EDF) Note: Private Debt FOF = Private Debt Fund of Funds; CLOS = Collateralized Loan Obligations; BDCs = Business Development Companies. Source: Preqin, 4Q 2022 and market feedback. ~$1.4 Trillion 1 Large Direct Loans Small Direct Loans Distressed Debt Special Situations Mezzanine Venture and Private Debt FOF 1. Moody's | Decode risk. Unlock opportunity. 3Q 2023 Investor Presentation 48 48
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