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Banking

Banks need to separate risk signals from the noise, connect data more seamlessly, and uncover patterns hidden within the chaos so they can stay ahead of the curve.

Moody’s brings together data, experience, and best practice capabilities, with our specialized and agile intelligence.

All so banks can act with confidence.

Get in touch

How can we help?

We develop strong relationships with banks by empowering confident and efficient decision making to meet strategic goals. We equip you with the expertise and resources needed for success.

01
Confidence to act on plans

We help banks achieve their goals, using interconnected data, agile solutions, and analytics. With expert support and the right resources, we help you confidently monitor and manage the latest regulatory demands and focus more on strategy.

02
Achieve strong growth

Our curated models help banks uncover market opportunities and maintain a competitive edge. Backed by historical data, insights, and decades of knowledge, our solutions help drive growth initiatives and support effective risk-compliance management.

03
Elevate your thinking

Our data analysis capabilities and scenario-driven insights help banks make well-informed choices. We help transform accounting requirements and stress testing into growth avenues.

04
Offer a meaningful view

We help banks drive consistency and reduce silos by leveraging shared solutions that create an integrated view of risk. Our offerings help enable you to mitigate risks, capture the most profitable opportunities, and invest resources more effectively.

05
Build trust

Our reliable data, efficient processes, unbiased support, and solutions aligned to local and global regulations have helped us establish trusted relationships with banks large and small. 

Get in touch

Speak to our team today

Get in touch

Software and solutions

Moody’s provides banking software and solutions to deliver data, intelligence, and expertise that enables you to confidently make decisions, take decisive actions, and turn your bank’s plans into a reality.

Support and empowerment

Moody’s enables your bank to focus its energy on pursuing the most lucrative opportunities in an increasingly competitive market. We work to optimize efficiency—driving growth and elevating your team.

Achieve strategic goals

Moody's provides your bank with data that promotes insightful thinking. Our analytics and predictive scenarios highlight risks and opportunities. Our automation, AI, and advisory services reduce your team’s number of manual tasks, so that you can focus on strategic goals.

TESTIMONIAL

”Having a single platform that calculates our current ALLL and future CECL metrics, when we begin reporting under the new standard, is a game-changer.”

- Robert Bruce
Chief Financial Officer, Vista Bank

Solutions

01 Lending

Lending

Our award-winning Lending Suite comprises separate, yet seamlessly interconnected, Software-as-a-Service (SaaS) banking tools that help your bank make credit decisions confidently and manage loan portfolios effectively. Our suite includes targeted workflows tailored to different types of assets and various stages of the credit lifecycle. This approach enables your bank to simplify its operations, identify potential risks, enhance team communication, and improve client experiences.

More on lending
02 Risk

Risk

Our Risk solutions help your bank make confident decisions regarding its risk-return profiles. Our banking risk solutions include Credit/Liquidity Risk Measurement, Early Warning, Stress Testing, Concentration Risk, Emerging Risks, Know Your Customer (KYC) Compliance, and Third-Party Risk Management (TPRM). This approach helps your bank gain a full understanding of portfolio risks, emerging risks, and mitigation strategies, as well as identify opportunities that align with its strategic risk and reward appetite.

More on credit risk
More on third-party risk
More on portfolio management
03 Finance

Finance

Our integrated finance solutions help your bank become more resilient, secure capital allocations for strategic goals, and transform regulatory compliance processes into opportunities. Our solutions address capital planning, balance sheet management, and regulatory reporting. Our offerings also streamline bank treasury functions, spanning asset and liability management, Funds Transfer Pricing (FTP), liquidity risk management, and investment decisions. This approach enables your bank to conduct scenario assessments, gain a full view of risk, and navigate an evolving economic landscape.

More on balance sheet management
More on regulatory calculation and reporting
04 Compliance and third-party risk

Compliance and third-party risk

Moody's offers end-to-end Know Your Customer (KYC) and Anti-Money Laundering (AML) solutions, giving you the confidence to understand risk across your network while complying with global regulations. In an ever-evolving risk and compliance landscape, Moody's offers flexible, configurable KYC and AML solutions tailored to your bank's needs.

More on compliance and third-party risk
05 Learning solutions

Learning solutions

We are the training partner of choice for thousands of financial service organizations worldwide, from community-based credit unions to international banks. Our clients choose our solutions because they are flexible, scalable, and — most importantly — effective.  

Whether you’re seeking training for your retail, private, SME, commercial, or corporate banking and lending employees, or are seeking solutions in organization-wide topics like ESG and compliance, Moody’s can help you develop your employees’ skills.

More on learning solutions

Lending

Our award-winning Lending Suite comprises separate, yet seamlessly interconnected, Software-as-a-Service (SaaS) banking tools that help your bank make credit decisions confidently and manage loan portfolios effectively. Our suite includes targeted workflows tailored to different types of assets and various stages of the credit lifecycle. This approach enables your bank to simplify its operations, identify potential risks, enhance team communication, and improve client experiences.

More on lending

Risk

Our Risk solutions help your bank make confident decisions regarding its risk-return profiles. Our banking risk solutions include Credit/Liquidity Risk Measurement, Early Warning, Stress Testing, Concentration Risk, Emerging Risks, Know Your Customer (KYC) Compliance, and Third-Party Risk Management (TPRM). This approach helps your bank gain a full understanding of portfolio risks, emerging risks, and mitigation strategies, as well as identify opportunities that align with its strategic risk and reward appetite.

More on credit risk
More on third-party risk
More on portfolio management

Finance

Our integrated finance solutions help your bank become more resilient, secure capital allocations for strategic goals, and transform regulatory compliance processes into opportunities. Our solutions address capital planning, balance sheet management, and regulatory reporting. Our offerings also streamline bank treasury functions, spanning asset and liability management, Funds Transfer Pricing (FTP), liquidity risk management, and investment decisions. This approach enables your bank to conduct scenario assessments, gain a full view of risk, and navigate an evolving economic landscape.

More on balance sheet management
More on regulatory calculation and reporting

Compliance and third-party risk

Moody's offers end-to-end Know Your Customer (KYC) and Anti-Money Laundering (AML) solutions, giving you the confidence to understand risk across your network while complying with global regulations. In an ever-evolving risk and compliance landscape, Moody's offers flexible, configurable KYC and AML solutions tailored to your bank's needs.

More on compliance and third-party risk

Learning solutions

We are the training partner of choice for thousands of financial service organizations worldwide, from community-based credit unions to international banks. Our clients choose our solutions because they are flexible, scalable, and — most importantly — effective.  

Whether you’re seeking training for your retail, private, SME, commercial, or corporate banking and lending employees, or are seeking solutions in organization-wide topics like ESG and compliance, Moody’s can help you develop your employees’ skills.

More on learning solutions

Case studies

case study
Momentum Metropolitan chooses PortfolioStudio™ for confident portfolio steering
Read more
case study
Teachers Federal Credit Union builds a robust credit and treasury function enabled by Moody’s
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case study
Nedbank saves time, improves consistency, and reduces errors with QUIQspread
Read more

Capabilities

01 Credit risk

Credit risk

We empower banks to enhance commercial credit operations, from origination to decision making, with a solution that leverages AI-driven automation and integrated data analytics for profitable growth.

We help banks achieve profitable growth by streamlining the origination process, which enables efficient deal structuring, stronger customer relationships, and informed strategic planning.

Our data provides a 360-degree view of client relationships, and our award-winning credit models allow for flexible reporting through simplified credit memos that keep key stakeholders up to date.

More on credit risk
02 Climate risk

Climate risk

We empower banks to seize opportunities and navigate climate-related risks with reliable data, analytics, and perspectives on physical and transition risks, as well as valuable insights into climate's impact on lending, risk management, and finance departments.

We help banks achieve agility by integrating climate risk into loan decisions, portfolio management, planning, stress testing, regulatory compliance, and reporting.

Our solution provides an integrated view—including creditworthiness and default risks—which bolsters bank resiliency to evolving regulations and enhances growth potential to meet stakeholder demands.

More on climate risk for banking
More on climate risk capabilities
03 Structured finance

Structured finance

We empower banks to assess, quantify, and mitigate a range of risks tied to intricate financial products, including collateralized loan obligations and mortgage-backed securities.

We help banks achieve risk insight by providing firms that issue structured securities with a robust software platform. In addition, we furnish companies involved in the investment, management, and trading of those securities with data, analytics, and research.

Our solutions enable financial institutions to successfully navigate the complexities of evolving markets, facilitating informed decision making and effective risk management.

More on structured finance
04 Commercial properties lending

Commercial properties lending

We empower Commercial Real Estate (CRE) lenders to quickly evaluate deals and prioritize the right opportunities with tailored workflows.

We help banks achieve operational efficiency by leveraging a single integrated system for data, market insights, and forecast scenarios, enabling CRE lenders to anticipate default and quantity risk.

Our solutions provide underwriters with an integrated flow to perform detailed credit analysis across all dates of the loan, which generates a flexible credit memo and decision detail.

More on commercial properties lending

Credit risk

We empower banks to enhance commercial credit operations, from origination to decision making, with a solution that leverages AI-driven automation and integrated data analytics for profitable growth.

We help banks achieve profitable growth by streamlining the origination process, which enables efficient deal structuring, stronger customer relationships, and informed strategic planning.

Our data provides a 360-degree view of client relationships, and our award-winning credit models allow for flexible reporting through simplified credit memos that keep key stakeholders up to date.

More on credit risk

Climate risk

We empower banks to seize opportunities and navigate climate-related risks with reliable data, analytics, and perspectives on physical and transition risks, as well as valuable insights into climate's impact on lending, risk management, and finance departments.

We help banks achieve agility by integrating climate risk into loan decisions, portfolio management, planning, stress testing, regulatory compliance, and reporting.

Our solution provides an integrated view—including creditworthiness and default risks—which bolsters bank resiliency to evolving regulations and enhances growth potential to meet stakeholder demands.

More on climate risk for banking
More on climate risk capabilities

Structured finance

We empower banks to assess, quantify, and mitigate a range of risks tied to intricate financial products, including collateralized loan obligations and mortgage-backed securities.

We help banks achieve risk insight by providing firms that issue structured securities with a robust software platform. In addition, we furnish companies involved in the investment, management, and trading of those securities with data, analytics, and research.

Our solutions enable financial institutions to successfully navigate the complexities of evolving markets, facilitating informed decision making and effective risk management.

More on structured finance

Commercial properties lending

We empower Commercial Real Estate (CRE) lenders to quickly evaluate deals and prioritize the right opportunities with tailored workflows.

We help banks achieve operational efficiency by leveraging a single integrated system for data, market insights, and forecast scenarios, enabling CRE lenders to anticipate default and quantity risk.

Our solutions provide underwriters with an integrated flow to perform detailed credit analysis across all dates of the loan, which generates a flexible credit memo and decision detail.

More on commercial properties lending

Bringing technology closer to you

In an ever-changing world of exponential risk and regulatory pressure, banks must anticipate and react to change faster than ever. Resilience is critical to success, requiring you to evolve technologically to remain competitive.

Through a continuous cycle of research, development, and expert partnerships, Moody’s is committed to delivering the latest innovative technology within our solutions to our customers reliably and securely.

We leverage the power of technology such as AI, SaaS, cloud computing, machine learning, and APIs to deliver business efficiencies through interoperability, scalability, and automation.

Technology also enhances your decision-making by bringing Moody’s tools, data, and analytics together and closer to you so you can use our advanced expertise in an intuitive, seamless way. At Moody’s, we’re unlocking the next generation of technology and putting it to work for you. #BankingOnTech

Banking

News and views

article
Moody's
How small and medium-sized banks can enhance deposits modelling frameworks

Recent events have called into question the reliability of deposits as a primary source of funding for small and medium-sized banks.

Stickiness of deposits that generations of bankers had counted on suddenly seem ephemeral.

  • Banking
Read more
09
Jul
event

10:00 UTC

 Moody's
Navigating your Journey to SaaS in Banking: From Consideration to Implementation

Join us on 9 July 2024 at 10:00 AM BST for an exciting webinar on navigating your SaaS journey in Banking – with Moody’s, AWS and Rothschild & Co. They will discuss the benefits of SaaS as well as practical steps for implementation.

  • Banking
Register
article
Moody's
The lingering challenges of entity resolution in the financial services industry

Despite advancements in technology, poor entity resolution continues to have a significant impact on businesses, resulting in operational inefficiencies, regulatory pressures, slow time to market, customer churn, reputational damage, and hefty fines.

  • Banking
  • Data
Read more
whitepaper
Moody's
Capital stress testing: More than just a regulatory exercise

In today’s economic conditions of high inflation, high interest rates, deposit volatility, and recession risk, it is important that your institution continues to translate these economic conditions into balance, income, and capital projections.

  • Banking
Read more
article
Moody's Ratings
Funding risks, weaker profitability and turn in asset quality will test bank credit strength

US banks continue to contend with interest rate and asset-liability management (ALM) risks with implications for liquidity and capital, as the wind-down of unconventional monetary policy drains systemwide deposits and higher interest rates depress the value of fixed-rate assets.

  • Banking
  • Credit Risk
Read more
article
Moody's Ratings
Survey of US banks’ commercial real estate finds rollover, credit and monitoring risks

Asset risk is rising in commercial real estate (CRE) portfolios, increasing the likelihood of credit losses for US banks, which provide over 50% of US CRE debt financing. To more fully assess CRE risks, in June we surveyed 55 rated US banks on their CRE loan portfolios.

  • Banking
Read more
whitepaper
Moody's Ratings
Syndicated and private lenders will spar as LBOs revive, upping systemic risk

We believe large banks in the publicly syndicated loan market – which have lost significant leveraged loan share to private credit rivals in recent years – will be competing aggressively as new LBOs emerge. This will likely cause pricing, terms and credit quality to erode, fueling systemic risks.

  • Banking
  • Private credit
Read more

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Speak to our team

Interested in learning more about our offerings? Our solutions specialists are ready to help.