Moody's Investors Service

Cortera is a provider of comprehensive business-to-business payment and purchase behavior data and insights on public and private companies. The company tracks $1.6 trillion in business-to-business purchases across 45 spend categories to deliver insights on 20 million U.S. business locations. Cortera's solutions enable companies of all sizes to better understand their customers, suppliers and business partners by gaining visibility into what they purchase, how they pay and how their purchase and payment behavior changes over time. Thousands of companies across diverse industries use Cortera solutions to increase revenue, improve sales and marketing effectiveness, and reduce risk. Cortera is privately held with offices in Boca Raton, Florida; Boston and Quincy, Massachusetts and Bangalore, India.

Malaysian Rating Corporation Berhad (MARC) operates as a credit rating agency based in Kuala Lumpur, Malaysia. The organization specializes in providing credit ratings and research services for various financial instruments, including commercial papers, bonds, and both long- and short-term debts. MARC's coverage encompasses corporate finance, which includes financial institutions and insurance, as well as structured finance, public finance, and infrastructure and project finance. Additionally, the agency offers industry analyses, rating reports, and rating indices to assist both issuers and investors in making informed decisions in the local and global markets.

RBA International is a London-based provider of training and certification services for the retail banking sector. The company focuses on preparing bankers for the changing landscape of retail banking by offering a range of comprehensive training programs. These programs include group case studies and various certification courses, such as Certified Retail Banker, Certified Professional Retail Banker, Certified Branch Manager, and Certified Wealth Practitioner. Through its offerings, RBA International aims to equip banking professionals with the essential skills and knowledge required to excel in their roles.

SynTao Green Finance Co., Ltd. is a Beijing-based company established in 2015, specializing in environmental, social, and governance (ESG) data and ratings, green bond verification, and green finance consulting solutions. Operating as a subsidiary of Beijing SynTao Information Technology Co., Ltd., the firm serves financial institutions and corporations in China, providing essential tools and expertise to support sustainable finance initiatives.

Vigeo Eiris evaluates organisations’ integration of social, environmental and governance factors into their strategies, operations and management – with a focus on promoting economic performance, responsible investment and sustainable value creation.

Omega Performance Corporation specializes in credit training services for lending organizations globally. Founded in 1976 and headquartered in Arlington, Virginia, with additional offices in Singapore and Australia, the company offers a range of courses across various lending areas, including commercial, small business, consumer, and retail lending, as well as commercial real estate. Its training options include self-paced e-learning, skills application labs, and workshops focused on practical lending skills. Omega Performance also features SimuStar, a 3D simulation tool that allows lenders to practice judgment skills in a controlled environment. Additionally, the company provides instructor-led workshops and professional consulting services tailored to the needs of financial services professionals, emphasizing customized coaching and mentorship. As of August 2018, Omega Performance operates as a subsidiary of Moody's Corporation.

CompStak, Inc. is a New York-based company that operates a crowd-sourced online database specializing in commercial lease comparisons. Founded in 2011, CompStak provides a platform where brokers, landlords, appraisers, and researchers can exchange detailed information on completed commercial lease transactions. The database includes essential data such as tenant names, addresses, rental rates, square footage, landlord concessions, and broker details. This comprehensive information is utilized by various stakeholders, including real estate private equity firms, banks, asset managers, REITs, and hedge funds, to conduct valuations and analyses of potential investments. Additionally, institutional property owners leverage CompStak's data to benchmark their assets against the market. The company has established a strategic partnership with Knowledge Cubed to enhance its data offerings.

SecurityScorecard, Inc. is a cybersecurity ratings and continuous monitoring platform that evaluates the cybersecurity strength of businesses and third-party vendors. Founded in 2013, the company has developed a patented technology that provides instant risk ratings for over a million companies, helping organizations manage their cybersecurity risks more effectively. Its offerings include ThreatMarket, a cloud-based vulnerability search engine that assesses security posture across various risk categories, and Score Planner, which allows companies to explore remediation strategies. Additionally, SecurityScorecard provides tools for vendor risk management, board reporting, and cyber insurance underwriting through its Scorecard Event Log and Atlas platform for questionnaire management. The company serves a global clientele, including Fortune 1000 organizations, and collaborates with value-added resellers and service partners to deliver its solutions. Based in New York, SecurityScorecard aims to enhance organizational resilience by facilitating the identification and mitigation of cybersecurity risks.

Bureau van Dijk Electronic Publishing BV specializes in providing comprehensive business information solutions, focusing on both public and private companies. Founded in 1991 and headquartered in Amsterdam, the company aggregates, cleans, and analyzes data on corporate structures and financials, offering insights for various sectors including finance, corporate, and public domains. Its extensive portfolio includes tools for transfer pricing, corporate valuation, credit analysis, compliance, and procurement, as well as databases containing economic indicators and forecasts. Bureau van Dijk also supports clients with tools for mergers and acquisitions, client onboarding, and market analysis, catering to a diverse clientele that includes banks, insurance companies, and academic institutions. As a subsidiary of Moody's Analytics since 2017, Bureau van Dijk continues to enhance its offerings through collaborations with leading information providers, enabling clients to make informed decisions and operate efficiently in a complex business environment.

Korea Investors Service is a credit rating agency based in Seoul, South Korea, established in 1985. The company specializes in providing domestic credit ratings, research, and related services to the Korean capital markets. It offers credit opinions, deal research, and commentary to support investors and market participants. Since 2001, Korea Investors Service has been a majority-owned affiliate of Moody’s Investors Service, enhancing its credibility and expertise in the field.

BlackBox Logic LLC specializes in providing residential mortgage backed securities (RMBS) loan-level data aggregation and processing services for participants in the residential mortgage and capital markets, including investors, broker/dealers, researchers, and academic institutions. The company offers BBx Data, which delivers insights into the characteristics at origination and historical performance of loans that underlie RMBS. Additionally, BlackBox Logic features Crystal Logic, a loan-level analytics technology that enables users to extract bond-level and loan-level data, conduct sector and vintage analysis, and perform mortgage market research. The firm also offers consulting services tailored to specific RMBS data needs, encompassing custom analyses, reporting, data processing, modeling support, systems integration, and infrastructure optimization. Founded in 2007 and based in Denver, Colorado, BlackBox Logic operates as a subsidiary of Moody's Corporation.

Equilibrium is a provider of credit rating and research services in Peru and other countries in Latin America.

The Canadian Securities Institute (CSI) is a leading provider of financial services education in Canada, established in 1970. Endorsed by regulatory authorities, CSI has trained over three-quarters of a million financial professionals, offering courses that meet licensing requirements for various regulatory bodies. In 2007, CSI expanded its educational offerings by acquiring the Institute of Canadian Bankers, enhancing its curriculum. Today, CSI provides a comprehensive suite of programs covering a wide range of topics, including securities, mutual funds, banking, insurance, portfolio management, and financial planning. With a focus on relevant, real-world training and innovative educational solutions, CSI has established itself as a trusted and experienced educator in the financial services sector.

Moody's Interfax Rating Agency is a large independent information service provider in Russia. Interfax Rating Agency, which specializes in evaluating credit risk in Russia, signed a strategic cooperation agreement with Moody's Investors Service in October 2001. The Interfax Rating Agency is a member of the Interfax Information Services Group, a leading provider of business and political information from the emerging markets of Europe and Asia. Further information is available at www.interfax.com.

Moody's KVM manage all commercial, agriculture, and small business loans with a single, comprehensive lending platform. KMV is a credit risk management technology firm. KMV's technology is utilized by the world's largest financial institutions as well as banks, insurance companies, and institutional money managers. In addition to its San Francisco headquarters, KMV has offices in London, Tokyo and northern New Jersey.

Magister is a Buenos Aires-based business risk analysis and credit ratings agency.