Moody s Analytics. Jacek Nowak, Associate Director. Nikola Bakić, Credit Product Specialist. Essential Insight Serving Global Financial Markets

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1 Moody s Analytics Essential Insight Serving Global Financial Markets Jacek Nowak, Associate Director Nikola Bakić, Credit Product Specialist November 2012

2 Agenda 1. Who are we? 2. Why should you care? 3. How can we help? Moody s Analytics Overview - November 2012 in Belgrade, Serbia 2

3 Agenda 1. Who are we? 2. Why should you care? 3. How can we help? Moody s Analytics Overview - November 2012 in Belgrade, Serbia 3

4 4 Who are we? 1900 Leading global provider of credit rating opinions, insight, and tools for credit risk measurement and management Independent provider of credit rating opinions and related information for nearly 100 years Research, data, software, and related professional services for financial risk management Moody s Analytics Overview - November 2012 in Belgrade, Serbia 4

5 5 Who are we? Research, data, software, and related professional services for financial risk management Moody s Analytics Overview - November 2012 in Belgrade, Serbia 5

6 Agenda 1. Who are we 2. Why should you care? 3. How can we help? Moody s Analytics Overview - November 2012 in Belgrade, Serbia 6

7 7 Why should you care? Growing pressure to change from multiple directions: Regulatory pressures Lehman Brothers and Eurozone Debt crisis aftermath Basel II and Basel III directives Shareholder pressures dramatic fall in ROE Improve overall risk management Peer pressure locally and globally Moody s Analytics mission is to help financial and nonfinancial institutions globally to respond to those pressures to change, improve efficiency and be compliant with new regulations Moody s Analytics Overview - November 2012 in Belgrade, Serbia 7

8 Where is Serbia on Basel II today? Survey on implementation of Basel II, 2.5 and III, in jurisdictions that are neither members of the Basel Committee on Banking Supervision (BCBS) nor members of the European Union (published by BIS, September 2012) 1 = draft regulation not published; 2 = draft regulation published; 3 = final rule published; 4 = final rule in force» Survey responses to Basel II implementation in Serbia: Moody s Analytics Overview - November 2012 in Belgrade, Serbia 8

9 Where is Serbia on Basel III today? Survey on implementation of Basel II, 2.5 and III, in jurisdictions that are neither members of the Basel Committee on Banking Supervision (BCBS) nor members of the European Union (published by BIS, September 2012) 1 = draft regulation not published; 2 = draft regulation published; 3 = final rule published; 4 = final rule in force» Survey responses to Basel III implementation: Moody s Analytics Overview - November 2012 in Belgrade, Serbia 9

10 Agenda 1. Who are we 2. Why should you care? 3. How can we help? Moody s Analytics Overview - November 2012 in Belgrade, Serbia 10

11 Our integrated capabilities fall into five areas of expertise that address specific needs Credit Research & Risk Measurement Economic & Consumer Credit Analytics Structured Analytics & Valuation Training & Certification Enterprise Risk Solutions Outsourcing Solutions Moody s Analytics Overview - November 2012 in Belgrade, Serbia 11

12 Credit Research & Risk Measurement Leverage the market standard in credit analysis to improve the efficiency of your team and make better credit investment decisions Credit Research and Default Data Quantitative Insight (PD models) Data & Licensing Services Market Knowledge Credit Analysis, Monitoring & Valuation, Integrated Research Solutions, Four Disciplines, Multiple Perspectives Moody s Analytics Overview - November 2012 in Belgrade, Serbia 12

13 Enterprise Risk Management Solutions Enable you to combine cutting-edge quantitative credit and portfolio analytics with world class software to manage risk and performance Moody s Analytics Overview - November 2012 in Belgrade, Serbia

14 Economic & Consumer Credit Analytics Access essential expertise on the economic and consumer credit trends that impact your business and investments Economic, Consumer Credit, and Financial Data Economic Research Forecasts with Alternative Scenarios Consumer Credit Analytics Risk Management, Strategic Planning, Business and Investment Decisions Moody s Analytics Overview - November 2012 in Belgrade, Serbia 14

15 Training & Certification Achieve measurable improvements to your organization s risk management capabilities by implementing customized system-wide training solutions Web-based Training Solutions Technical Skills & Knowledge Instructor-led Training Professional & Personal Skills Channels Content Tailored Training, Administrative Tools, Testing & Monitoring, Implementation Support Moody s Analytics Overview - November 2012 in Belgrade, Serbia 15

16 Structured Analytics & Valuation Effectively analyze, monitor, and price your structured assets using an integrated cashflow solution Cashflow Models Credit Models Valuation & Advisory Services Pool, Loan, and Performance Data Stress cashflows, forecast losses, monitor portfolios of RMBS, ABS, CMBS, and CDOs Moody s Analytics Overview - November 2012 in Belgrade, Serbia 16

17 Find out more about our award-winning solutions Moody s Analytics Overview - November 2012 in Belgrade, Serbia 17

18 Pitanja? HVALA NA PAŽNJI! Moody s Analytics Overview - November 2012 in Belgrade, Serbia 18

19 Contacts Jack Nowak Associate Director Product Specialist Moody's Analytics One Canada Square Canary Wharf London E14 5FA Nikola Bakic Credit Product Specialist Moody's Analytics One Canada Square Canary Wharf London E14 5FA Petra Vilkovska Relationship Manager Moody's Analytics One Canada Square Canary Wharf London E14 5FA +44 (0) direct +44 (0) mobile (0) direct +44 (0) mobile (0) direct +44 (0) mobile 19

20 Moody s Analytics provides strategic solutions for measuring and managing risk. We assemble best practices across credit, economics and financial risk management, helping you compete in an evolving marketplace. In addition to distributing the credit ratings and proprietary research of Moody s Investors Service, we offer quantitative models and enterprise risk management software as well as training and professional services that are tuned to your business challenges. 20

21 moodysanalytics.com 2012 Moody s Analytics, Inc. and/or its licensors and affiliates (collectively, MOODY S ). All rights reserved. ALL INFORMATION CONTAINED HEREIN IS PROTECTED BY COPYRIGHT LAW AND NONE OF SUCH INFORMATION MAY BE COPIED OR OTHERWISE REPRODUCED, REPACKAGED, FURTHER TRANSMITTED, TRANSFERRED, DISSEMINATED, REDISTRIBUTED OR RESOLD, OR STORED FOR SUBSEQUENT USE FOR ANY SUCH PURPOSE, IN WHOLE OR IN PART, IN ANY FORM OR MANNER OR BY ANY MEANS WHATSOEVER, BY ANY PERSON WITHOUT MOODY S PRIOR WRITTEN CONSENT. All information contained herein is obtained by MOODY S from sources believed by it to be accurate and reliable. Because of the possibility of human or mechanical error as well as other factors, however, all information contained herein is provided AS IS without warranty of any kind. Under no circumstances shall MOODY S have any liability to any person or entity for (a) any loss or damage in whole or in part caused by, resulting from, or relating to, any error (negligent or otherwise) or other circumstance or contingency within or outside the control of MOODY S or any of its directors, officers, employees or agents in connection with the procurement, collection, compilation, analysis, interpretation, communication, publication or delivery of any such information, or (b) any direct, indirect, special, consequential, compensatory or incidental damages whatsoever (including without limitation, lost profits), even if MOODY S is advised in advance of the possibility of such damages, resulting from the use of or inability to use, any such information. The ratings, financial reporting analysis, projections, and other observations, if any, constituting part of the information contained herein are, and must be construed solely as, statements of opinion and not statements of fact or recommendations to purchase, sell or hold any securities. NO WARRANTY, EXPRESS OR IMPLIED, AS TO THE ACCURACY, TIMELINESS, COMPLETENESS, MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE OF ANY SUCH RATING OR OTHER OPINION OR INFORMATION IS GIVEN OR MADE BY MOODY S IN ANY FORM OR MANNER WHATSOEVER. Each rating or other opinion must be weighed solely as one factor in any investment decision made by or on behalf of any user of the information contained herein, and each such user must accordingly make its own study and evaluation of each security and of each issuer and guarantor of, and each provider of credit support for, each security that it may consider purchasing, holding, or selling. 21

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