Moody's CALC 2024

Banking with impact

Enhancing efficiency, driving profitability, building community

Revenue-generating partnership with financial institutions and Moody’s RMS, allowing financial institutions to use climate catastrophe risk models to provide property-specific reports to customers for insurance, lease, and purchase negotiations, while collecting critical regulatory data and generating fee income. 

RMS Property Maximum Loss (PML) Reports

RMS PML Reports provide property-specific physical damage risk data that models subject properties and calculate actual damage costs in the event of various environmental disasters of varying intensities. Using the same models many of the top insurers use to size premiums and deductibles, these reports can inform insurance and lease negotiations for borrowers and give previously untapped insights to lenders inside their collateral portfolios. Through Moody's, banks can enter into a revenue-generating partnership where they provide the report at origination, just like a survey or an appraisal. Both the client and lender receive long term risk insights on their collateral portfolio and the bank generates fee income through the initiative.