3Q 2023 Investor Presentation
Banking Customer Spotlight: Workflow Solutions that
Combine Data, Analytics, and Software
USE CASES
Lending
>> Customer Verification (KYC/KYS)
» Customer Acquisition
» Customer Onboarding
» Credit Decisions
» Loan Monitoring
Risk & Capital Management
>> Credit
>> Liquidity
>> Capital
» Asset-Liability
» Risk Appetite
Finance & Planning
» Asset Liability / Balance Sheet Management
Case Study: A North American Bank
BROADEN
Workflow
Solution
Software
Workflow
Solution
Models
Workflow
DEEPEN
Solution
Data
$0.5m
Software
Models
Data
» Stress Testing
>> Loss Allowances
» Regulatory Capital
» Budgeting & Planning
Models
5x
Initial ARR¹
35%
Research
& Insights
65%
Decision
Solutions
2019
Relationship
2020-2021
CECL
2022
Lending
2022
Relationship
% of Relationship
as of 1Q23
Stress Testing
as of 1Q23
Note: CECL = Current Expected Credit Losses.
1.
ARR reflects 2022 values, including price increases from 2019-2022. Refer to the Appendix for the definition of and further information on ARR.
Moody's | Decode risk. Unlock opportunity.
3Q 2023 Investor Presentation
25View entire presentation