With over one hundred years of experience in evaluating creditworthiness, an award- winning portfolio of credit risk management software and services, and a global workforce, Moody's is uniquely prepared to serve credit-sensitive markets in a period of renewed capital formation and emphasis on risk management.

For further information about our business, history and geographic presence, refer to About Moody's.

Our Business Principles

Moody's is governed by high standards of business conduct. Our guiding principles are described in our Code of Business Conduct, Code of Ethics and Corporate Governance Principles.

Our Businesses

Moody's Investors Service

Moody's Investors Service is a leading provider of credit ratings, research, and risk analysis. Moody's commitment and expertise contributes to transparent and integrated financial markets. The firm's ratings and analysis track debt covering more than 135 sovereign nations, approximately 5,000 non-financial corporate issuers, 4,000 financial institutions issuers, 18,000 public finance issuers, 11,000 structured finance transactions, and 1,000 infrastructure and project finance issuers. Moody's Investors Service is a subsidiary of Moody's Corporation (NYSE: MCO), which reported revenue of $4.2 billion in 2017, employs approximately 12,600 people worldwide and maintains a presence in 42 countries. Further information is available at www.moodys.com.

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Moody's Analytics

Moody’s Analytics provides financial intelligence and analytical tools to help business leaders make better, faster decisions. Our deep risk expertise, expansive information resources, and innovative application of technology help our clients confidently navigate an evolving marketplace. We are known for our industry-leading and award-winning solutions, made up of research, data, software, and professional services, assembled to deliver a seamless customer experience. We create confidence in thousands of organizations worldwide, with our commitment to excellence, open mindset approach, and focus on meeting customer needs. For more information about Moody’s Analytics, visit www.moodysanalytics.com.

Moody's Analytics is a subsidiary of Moody's Corporation (NYSE: MCO). Moody’s Corporation reported revenue of $4.2 billion in 2017, employs approximately 12,600 people worldwide and maintains a presence in 42 countries.

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Moody's Investors Service

The publicly disseminated credit ratings provided by Moody's Investors Service play an essential role in financial markets and deliver value to a broad range of market participants.

Investors

Our ratings contribute to fixed income investors' assessment of risk by providing well-known standards to describe credit quality across debt sectors and regions. Moody's opinions are anchored in rigorous analysis of credit quality through the economic cycle. Ratings also provide an independent perspective on credit risk that can be utilized for portfolio management and counterparty risk measurement.

Issuers

We help broaden borrowers' access to global capital markets. The relevance and widespread use of our ratings in the investor community enable Moody's-rated issuers to access a deeper pool of potential investors.

Other stakeholders

Ratings are used by a broad range of other stakeholders, including regulators, legislators and academic researchers. The transparency of our ratings process is supported by relevant and timely communication, including in-depth reports on rating methodologies and analytical practices.

Moody's Analytics

Moody's Analytics offers award-winning solutions and best practices for measuring and managing risk.

Investment Solutions

We are a leading provider of investment research and analytics for debt capital markets and risk management professionals.

As the exclusive distributor of all content produced by Moody's Investors Service and developer of the market-leading EDFTM (Expected Default Frequency) credit measures, we provide the market with information and tools that support better decision making. The scope of our expertise ranges from credit research to macroeconomic forecasts and structured markets

Risk Management Solutions

We help lending institutions answer critical risk-related questions and provide best-in-class risk management software solutions. Our solutions and models enable lending organizations to make informed decisions for allocating capital and maximizing opportunities.

As consultants, we devise custom solutions aimed at improving bottom-line performance for more than 1,400 clients globally. We maintain unique capabilities to monitor and comply with country-specific regulatory developments.

Workforce Solutions

We help organizations maximize the capabilities of their professional staff by offering training, education, and certifications.

As trainers, we offer online learning products, in-person training, and advisory services that help our customers' workforces make a positive, measurable impact on their business. Our specialists are industry experts and practitioners that have significant experience in the markets in which our customers operate. Through our Moody’s Analytics Knowledge Services (MAKS) unit, we also provide high quality outsourced research and analytical services to financial institutions – reducing costs and increasing operational flexibility and efficiency.