Revenue and Issuance Analysis

Technology: Innovating with Purpose Next Gen Tech is a Defining Element of our Culture, Setting Stage for Growth M Enhance Data & Analytics » Incorporating alternative data sources to augment SME credit scoring accuracy » QuantCube pilot program to synthesize unstructured data to enhance financial analysis » CompStak's use of crowd- sourced data on CRE leases and sales Improve Decisions >> NLP based early warning and monitoring tools for MIS analysts and MA customers » Al tailored credit training for MA customers - Credit Coach » Faster loan approvals with Al powered lending decisions - CreditLens Deliver Efficiencies » ML and deep learning tools to automate financial data spreading at both MA and MIS >> AI and NLP used to generate credit reports on 6,000 municipal issuers >> RPA of manual, repeatable tasks within MIS Increase Adaptability » SaaS accelerating product development and improving customer experience » Leveraging PaaS to experiment with application of tools and techniques -- blockchain and big data » Moody's IT moving to laaS to expand capabilities and lower costs Note: Al: Aritificial Intelligence; ML: Machine learning; NLP: Natural language processing; RPA: Robotic process automation; laaS: Infrastructure-as-a-service; SaaS: Software-as-a- service; PaaS: Platform-as-a-service. MOODY'S November 4, 2019 54

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