Investor Presentaiton

Moody's Software Serves as a Chassis for Integrated Risk Assessment Lending use case highlights synergies across segments ERS solutions Accounting Impairments: CECL, IFRS-9, IFRS-17 Credit decisioning & lending Credit origination, spreading and scoring, pricing Deal Initiation Digitizing data Portfolio Monitoring Integrating risk management Onboarding Supports better lending decisions RD&A data & insights Research Opinions and insights that explain ratings, methodologies and markets Economics Scenarios, forecasts and indicators to support analytics Balance sheet management Portfolio management, ALM, stress testing, planning RegTech Regulatory reporting CreditLens Underwriting Credit Decision / Pricing Digitizes data, integrates analytics, and provides SaaS workflow software to help loan officers make better decisions, faster Curated Information Company information, analytic models, economic and ESG scenarios to integrate best practices in risk management Data Public and private company information, MIS ratings Commercial Real Estate Workflow solutions, portfolio performance and climate impact Moody's | Better decisions 2Q 2021 Investor Presentation 43

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