4Q and FY 2023 Investor Presentation slide image

4Q and FY 2023 Investor Presentation

The Benefits of a Moody's Rating Investors seek Moody's opinions and particularly value the knowledge of its analysts and the depth of Moody's research S € Access to capital » Moody's opinions on credit are used by institutional investors throughout the world, making an issuer's debt potentially more attractive to a wide range of buyers » A Moody's rating may facilitate access to both domestic and international debt capital Transparency, credit comparison and market stability » Signals a willingness by issuers to be transparent and provides market participants with an independent assessment against which to compare creditworthiness » Moody's ratings and research reports may help to maintain investor confidence, especially during periods of market stress Responsive to investor demand » Moody's is identified as the agency that best meets future needs for more than half its users globally1 1. 2021 Moody's Investor Perception Study. 2. Based on an independent study performed by BDO in June 2022 on a snapshot of data from January 31, 2022, which shows that a five-year $500M bond with a Moody's credit rating (when rated at the same level as S&P and/or Fitch) has an -13% lower Option Adjusted Spread (OAS), which results in a savings of ~65 basis points per year. The study only applied to corporate bonds and not to sovereign/quasi-sovereign/municipal or structured finance bonds. Many factors go into the pricing of a bond. OAS is the measurement of the credit spread of a fixed- income security rate and the risk-free rate of return (Treasury yields), adjusted for embedded options. 3. 2022 Moody's Global Intermediary Study conducted by Naxion. Planning and budgeting » May help issuers when formulating internal capital plans and funding strategies » An independent study has shown that adding a Moody's credit rating may lead to a reduction in borrowing costs² Analytical capabilities » Among global ratings advisors, Moody's continues to be held in high regard. Responsiveness, analysts' seniority/expertise, willingness to have a dialogue around a credit and increased process transparency are viewed positively³ Moody's | Decode Risk. Unlock Opportunity. 4Q and FY 2023 Investor Presentation 36 36
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