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  DateDocument Type Title Issuer/Entity
23 Feb 2021 Credit Opinion University of Toronto (Canada): Update following rating affirmation University of Toronto
11 Jan 2021 Sector In-Depth Insurers – South Korea: Aging population a key challenge despite some opportunities
15 Dec 2020 Outlook Public Finance - US: 2021 Outlooks mostly negative driven by the effects of the coronavirus crisis (Slides)
08 Dec 2020 Outlook Community Colleges – US: 2021 outlook moves to negative as enrollment declines weaken tuition revenue
02 Dec 2020 Outlook Municipal water and sewer utilities – US : 2021 outlook stable despite coronavirus challenges and economic slowdown
01 Dec 2020 Sector In-Depth Not-for-profit and public healthcare – US: Aging population and lower reimbursement drive high social risk
30 Nov 2020 Sector In-Depth Structured Finance – Japan: Growing inheritance renouncements is credit negative, especially for apartment loans
 The document has been translated in other languages

28 Oct 2020 Sector In-Depth Asset Managers — US: Demographic trends point to future struggle to grow assets under management
12 Oct 2020 Sector In-Depth Regional banks – Japan: Population aging and coronavirus-driven digitization can create opportunities
12 Oct 2020 Research Announcement Moody's - New products for elderly and digitization could reduce pressure on Japanese regional banks
 The document has been translated in other languages

23 Sep 2020 Issuer In-Depth Mexico Beach, FL and Paradise, CA: Governance and social factors play key roles in municipalities’ recovery from catastrophic natural disaster Paradise (Town of) CA
18 Sep 2020 Credit Opinion University of Toronto (Canada): Update to credit analysis University of Toronto
20 May 2020 Sector In-Depth Regional & Local Governments – Russia: Economic deterioration to accelerate migration from less developed regions, exerting pressure on revenues
04 Mar 2020 Sector In-Depth Sovereigns – Advanced Economies: Population ageing leading to new or wider government financing gaps may challenge debt affordability, policymaking
 The document has been translated in other languages

20 Feb 2020 Sector In-Depth RMBS – US: Weaker non-QM underwriting approaches increase default risk
22 Jan 2020 Issuer Comment Palmyra-Eagle Area School District, WI: Wisconsin board denies dissolution for district, a credit negative Palmyra-Eagle Area School District, WI
21 Jan 2020 Credit Opinion Amherst Central School District, NY: Update to Credit Analysis Amherst Central School District, NY
17 Jan 2020 Research Announcement Moody's - Slow payments a key contributor to the continued growth of US student loan debt
12 Dec 2019 Issuer In-Depth Government of United States: Left unchecked, entitlement spending will drive long-term decline in US fiscal strength United States of America, Government of
08 Oct 2019 Sector In-Depth Higher Education – UK & Canada : Demographic trends and government policies are key social risks
30 Sep 2019 Median Reports Community colleges with revenue-backed debt – US: Medians - Community colleges sustain revenue growth despite lower enrollment
17 Sep 2019 Sector In-Depth Public K-12 school districts – US: Thriving cities, challenged schools: teacher strikes highlight districts' credit issues
16 Sep 2019 Credit Opinion University of Toronto (Canada): Update following upgrade to Aa1 University of Toronto
10 Sep 2019 Issuer Comment Demographics - United States: Rising female labor force participation and employment supports US economy, but gender gaps remain United States of America, Government of
23 Aug 2019 Sector Comment Education – China: Strong demand to benefit private education service provider, a credit positive
10 Jun 2019 Sector In-Depth Banks and insurers - Japan: Demographic changes will hit small lenders hard but large banks and insurers will cope
 The document has been translated in other languages

01 Feb 2019 Sector In-Depth Sovereigns - Latin America: Population ageing will increase pension obligations and fiscal vulnerability
30 Oct 2018 Issuer In-Depth Governments of Japan and Korea: Demographics will weigh on long-term economic and fiscal strength, despite offsets from technology, labour participation
 The document has been translated in other languages

Japan, Governme...
Korea, Governme...
09 Jul 2018 Sector In-Depth Sovereigns - Commonwealth of Independent States: Divergence in working-age population trends will shape credit profiles
10 Apr 2018 Sector In-Depth Cross-Sector – Japan: Aging population poses near-term and long-term credit challenges Japan, Government of
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