BankFocus
RESEARCH AND ANALYZE BANKS, FOR COUNTERPARTY
CREDIT RISK AND PORTFOLIO ANALYSISBankFocus is the definitive solution foranalyzing banks
Moody’s Analytics BankFocus combines renowned content fromBureau van Dijk and Moody’s Investors Service, with expertisefrom Moody’s Analytics.
The result is a banking database that you can use to identify,
analyze and monitor banks.

You also have the option to include insurance companies andnon-bank financial institutions (NBFIs), including securities
firms, finance companies, leasing companies and asset managers
with your BankFocus subscription.
Our non-bank financial institutions coverage includes 6,400
companies with detailed financials in our unified globaltemplate.
Our insurance coverage includes:

BankFocus has three key strengths:» 16,600 companies in our unified global template» more financial statements for banks than any other solution» US NAIC Statutory data

» a wide range of financial templates, so you can search andanalyze banks across the whole database, and then analyze
them individually, in detail, in your chosen format» EU Solvency II SFCR reports» extensive ownership information, so you can get a portfolio
level view of exposure, and easily view and explore a bank’s
shareholders and subsidiaries.
BankFocus offers you a range of access and analysis
options including a contemporary interface and integrated
workflow solutions.

Financial statements for more banks than any
other solution

A range of templates for both like-for-like anddetailed analysis
BankFocus offers detailed, standardized reports and ratios foraround 46,700 banks across the globe.
For these banks, you can access:» standardized data for detailed like-for-like analysis» ‘as reported’ data
» transparency on financials – you can click to see how data
points are derived and view them on the source filings

With detailed financials for around 46,700 banks, BankFocus
offers financial statements for more banks than any
other solution.

Our templates include:

The number of years available varies between regions andtemplates. Most banks have at least seven years of history;
some have 30.

Our flagship template the ‘global detailed’ offers more than
740 line items and ratios and was created specifically from theperspective of a bank analyst.

Global Detailed Format:

As Reported Formats:

2RegionBanksNorth America(Includes SEC and regulatory filings)

29,500

EMEA

10,000

APAC

3,500

LATAM

3,700

Total

46,700MOODY’S ANALYTICS  /BANKFOCUS» Moody’s Analytics Bank template: contains more than2700+ line items and covers 13,300+ banks worldwide. Plus
60 ‘as reported’ national formats that are country specific.
» Moody’s Analytics Islamic Bank template: contains 2,100line items.
» Moody’s Analytics Central Bank template: contains 800 lineitems» Moody’s Investors Service template: covers the 1,200+
banks which are rated by Moody’s Investors Service across theworld. It provides financial data curated by Moody’s InvestorsService analysts, and contains 2,500 line items.

Our templates are contemporary

Other complementary information on banks

BankFocus is supported by a highly knowledgeable bank analysis
team, so its templates are regularly updated to reflect the latest
accounting and regulatory disclosures, including:» Filterable bank news from a range of sources, including
NewsEdge™, Reuters, Informa, SyndiGate and Orbis M&A» Transitional vs fully loaded regulatory capital ratios» Unique ID numbers, including LEI (legal entity identifier), Swift
Code, Ticker, ISIN Number, CIK Number, GIIN, National ID,Orbis ID, assist with your entity matching» Total loss absorbing capacity (TLAC) and minimum
requirement for own funds and eligible capital (MREL)» Extensive library of original annual and interim reports foraround 46,700 banks» Basel III CET1

» Minimum and buffer capital requirements» Basel III liquidity coverage ratio (LCR), net stable funding ratio(NSFR), leverage exposure and ratio» IFRS 9 based asset quality disclosures» Loans and deposits by geography, sector and rating category» Market risk, for example stress VaR, interest rate risk, FX risk
» Derivative netting and collateral

Portfolio-level view of a bank’s group exposure
We also publish a global database of entity information –Orbis. This means we can provide additional group contentand structures.
» Ownership structures» View both direct and indirect ownership» Highlight beneficial owners within a corporate structure» See different levels of ownership, including
minority shareholdings» Review details, such as financial items, number of employees
and domicile of entities across the group, at a glance» Understand institutional shareholdings lists, with additional
information for non-bank financial institutions.

Agency ratings and market indicators
Bank ratings
BankFocus gives you access to long-term ratings from themajor credit rating agencies, including Moody’s InvestorsService, Standard & Poor’s, Fitch Ratings and AM Best – forinsurance companies.

Market data
View current and historical spot prices for all listed banks. Thesecan be viewed in daily, weekly and monthly timescales. View five
years of credit default swaps (CDS).

» Anti-money-laundering (AML) and know-your-customer(KYC) documents, such as AML and KYC policies, articles ofassociation, banking licenses, certificates of incorporation,
extracts from commercial registers, lists of regulated financial
institutions per regulator within each country, and US Patriot
Act certification, help minimize reputation damage and risk
exposure» Bank bond and loan data helps you analyze and comparebanks’ debt structure» Country profiles show key macroeconomic indicators for eachcountry

BankFocus data and functionality provides
clarity and efficiency
Search for banks globally, using consistent financial criteria,
geographic location or corporate information.
You can rank and monitor relevant financial and risk metrics
for your portfolio banks, create multiple portfolios and switch
between them easily. Dashboards also show you relevant news,
M&A activity, ratings announcements and research.
Providing our customers with the best quality data is our mostimportant objective.
We have thousands of validation controls for the data on
BankFocus. A quality management team also checks the data on
an entity-by-entity basis. The templates, and all sourced data,
are regularly reviewed and updated with the latest regulatoryrequirements.
Our dedicated teams will help you get the most out ofBankFocus. When you first join us, we’ll work with you to makesure you have all the necessary templates and custom variables
set up. And, once you’re on board, we’ll continue to help you
develop your use of BankFocus and its extensive analytical andportfolio options.

BANKFOCUS/MOODY’S ANALYTICS

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Reporting and data visualization

Flexible and contemporary bulk data options» Custom report builder: In addition to several standard
reports, you can build a report for any bank with theinformation you need. You can include or exclude content tocreate a very specific report, as well as change the order inwhich the data is displayed and export your custom reports invarious formats.

Get data feeds via a REST API or a custom flat file to integrate
BankFocus data into your existing models, credit rating, andworkflow tools.

» Fast searching: Access detailed information on individual
banks and create benchmarking analyses comparing a bankagainst its peers, whilst searching by hundreds of criteria» Financial Spreading – transfer financial information froma borrower or counterparty into its own or standardized
financial spreadsheet so you can analyze its financial position.

» In-depth analysis and data retrieval: Refer to original
documents in our library and illustrate financials with oureasy-to-create graphs. You can also monitor banks using oursophisticated alert system and get a quick view of a bank’s
financial status and exposure

Integrate data from BankFocus into yourworkflow or use our contemporary interface
and tools
The BankFocus’ interface offers a contemporary environment
for searching and analysis. Easy-to-use, it provides a rangeof powerful options for data analysis and visualization. Clickthroughs show the derivation and origin of financial items. And
you can see the data in Excel-friendly worksheets, which expand
directly into tabbed workbooks.
BankFocus includes enhanced, contemporary add-ins, to help
you do dynamic analysis in Excel and PowerPoint. Using theadd-ins, you can seamlessly populate templates using the datafrom BankFocus.

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MOODY’S ANALYTICS  /BANKFOCUS

Access BankFocus data within Moody’sAnalytics CreditLens™

» Risk Grading – calculate a probability of default using yourchosen financial ratios and variables.

© 2023 Moody’s Corporation, Moody’s Investors Service, Inc., Moody’s Analytics, Inc. and/or their licensors and affiliates (collectively, “MOODY’S”). All rights reserved.
CREDIT RATINGS ISSUED BY MOODY’S CREDIT RATINGS AFFILIATES ARE THEIR CURRENT OPINIONS OF THE RELATIVE FUTURE CREDIT RISK OF ENTITIES, CREDIT COMMITMENTS, OR DEBT OR DEBT-LIKESECURITIES, AND MATERIALS, PRODUCTS, SERVICES AND INFORMATION PUBLISHED BY MOODY’S (COLLECTIVELY, “PUBLICATIONS”) MAY INCLUDE SUCH CURRENT OPINIONS. MOODY’S DEFINES CREDITRISK AS THE RISK THAT AN ENTITY MAY NOT MEET ITS CONTRACTUAL FINANCIAL OBLIGATIONS AS THEY COME DUE AND ANY ESTIMATED FINANCIAL LOSS IN THE EVENT OF DEFAULT OR IMPAIRMENT. SEEAPPLICABLE MOODY’S RATING SYMBOLS AND DEFINITIONS PUBLICATION FOR INFORMATION ON THE TYPES OF CONTRACTUAL FINANCIAL OBLIGATIONS ADDRESSED BY MOODY’S CREDIT RATINGS. CREDITRATINGS DO NOT ADDRESS ANY OTHER RISK, INCLUDING BUT NOT LIMITED TO: LIQUIDITY RISK, MARKET VALUE RISK, OR PRICE VOLATILITY. CREDIT RATINGS, NON-CREDIT ASSESSMENTS (“ASSESSMENTS”),
AND OTHER OPINIONS INCLUDED IN MOODY’S PUBLICATIONS ARE NOT STATEMENTS OF CURRENT OR HISTORICAL FACT. MOODY’S PUBLICATIONS MAY ALSO INCLUDE QUANTITATIVE MODEL-BASEDESTIMATES OF CREDIT RISK AND RELATED OPINIONS OR COMMENTARY PUBLISHED BY MOODY’S ANALYTICS, INC. AND/OR ITS AFFILIATES. MOODY’S CREDIT RATINGS, ASSESSMENTS, OTHER OPINIONSAND PUBLICATIONS DO NOT CONSTITUTE OR PROVIDE INVESTMENT OR FINANCIAL ADVICE, AND MOODY’S CREDIT RATINGS, ASSESSMENTS, OTHER OPINIONS AND PUBLICATIONS ARE NOT AND DONOT PROVIDE RECOMMENDATIONS TO PURCHASE, SELL, OR HOLD PARTICULAR SECURITIES. MOODY’S CREDIT RATINGS, ASSESSMENTS, OTHER OPINIONS AND PUBLICATIONS DO NOT COMMENT ON THESUITABILITY OF AN INVESTMENT FOR ANY PARTICULAR INVESTOR. MOODY’S ISSUES ITS CREDIT RATINGS, ASSESSMENTS AND OTHER OPINIONS AND PUBLISHES ITS PUBLICATIONS WITH THE EXPECTATIONAND UNDERSTANDING THAT EACH INVESTOR WILL, WITH DUE CARE, MAKE ITS OWN STUDY AND EVALUATION OF EACH SECURITY THAT IS UNDER CONSIDERATION FOR PURCHASE, HOLDING, OR SALE.
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contained herein is provided “AS IS” without warranty of any kind. MOODY’S adopts all necessary measures so that the information it uses in assigning a credit rating is of sufficient quality and from sources MOODY’S
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Moody’s Investors Service, Inc., a wholly-owned credit rating agency subsidiary of Moody’s Corporation (“MCO”), hereby discloses that most issuers of debt securities (including corporate and municipal bonds,debentures, notes and commercial paper) and preferred stock rated by Moody’s Investors Service, Inc. have, prior to assignment of any credit rating, agreed to pay to Moody’s Investors Service, Inc. for credit ratings
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(as applicable) have, prior to assignment of any credit rating, agreed to pay to MJKK or MSFJ (as applicable) for credit ratings opinions and services rendered by it fees ranging from JPY100,000 to approximately
JPY550,000,000.
MJKK and MSFJ also maintain policies and procedures to address Japanese regulatory requirements.

For further information contact us at a location below:
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