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Investor Presentaiton

Healthy Growth in MA's Recurring Revenue Supports Long-Term Margin Expansion Amidst Investment MA's strategic shift towards subscriptions and SaaS-based products 100% 78% 90% MA ADJUSTED OPERATING MARGIN2 EXPANSION 29.4% MA Renewable Revenue Share 50% 0% 2017 Robust 2020 recurring revenue growth of 14% » Solid retention in mid-90's percentage1 >>> Strength in KYC and compliance solutions ERS shifted to -80% recurring revenue 2020 1. Full year 2020. 2. Includes intercompany revenue and expenses. Changes in expenses include the impact of adjusting items. Moody's | Better decisions 24.6% 2017 +480 bps 27.8% 26.4% 2018 2019 2020 High growth in recurring products drives margin expansion »-160 bps of margin expansion in 2020 » M&A strategy accelerates shift to recurring revenue >>> 189 product awards from 2017 onwards 2Q 2021 Investor Presentation 39
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