Moody's Investors Service is the bond credit rating business of Moody's Corporation.
“Moody’s Corporation provides comprehensive perspectives on risk to more than 15,000 customers in 165 countries, including 97% of the Fortune 100. Founded in 1909 as a credit rating agency, the company provides independent, forward-looking opinions on credit risk that help businesses, governments and financial leaders make informed decisions on borrowing or lending money through the Moody’s Ratings division.”
“Published by Moody’s Ratings, credit ratings are forward-looking opinions of the relative credit risks of debt obligations, such as issued bonds, owed by companies, governments or other corporate borrowers. Moody’s defines credit risk as the risk that a debt issuer (also known colloquially as a “borrower”) may not meet its contractual financial obligations as they come due.”
“Moody’s Ratings rates various legal entities and debt obligations across industries and sectors, including publicly and privately held companies, financial institutions, securitized finance vehicles, project finance vehicles, and public sector entities including governments and supranational organizations.”
“Moody’s Corporation (NYSE:MCO) is publicly traded on the New York Stock Exchange. Its shareholders include a mix of institutional investors, mutual funds, hedge funds, and individual investors.”
“Catastrophe models were originally developed to help the insurance industry underwrite rare but costly events. Today, industries beyond insurance are realizing the benefits of cat models.”
“Catastrophe models help you understand risk by translating hypothetical natural or man-made peril losses into real-world impacts on your portfolio. Modelers can understand catastrophe losses by analyzing a variety of loss metrics.”
“Earnings risk in the insurance industry refers to the potential variability in profits due to factors such as claims payouts, investment returns, and operational expenses.”
“Catastrophe modeling plays a crucial role in assessing and managing earnings risk, particularly for property and casualty insurers. By simulating the potential impact of catastrophic events on insurance portfolios, catastrophe models help insurers estimate the likelihood and severity of future disasters.”
“Moody’s RMS catastrophe models cover a broad range of natural, specialty, and emerging risks across nearly 100 countries. Coverage includes: Earthquake and tsunami: North America (including the United States and Canada), Latin America, Europe, Japan, New Zealand, and other seismic regions globally.”
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