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About Experian Experian’S Vision Is for Our People, Data and Technology to Become a Necessary Part of Every Major Consumer Economy in the World

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About Experian Experian’S Vision Is for Our People, Data and Technology to Become a Necessary Part of Every Major Consumer Economy in the World About Experian Experian’s vision is for our people, data and technology to become a necessary part of every major consumer economy in the world. Our strategy is to develop a global organisation that focuses primarily on core data and analytics. We continually invest in order to grow our business profitably while strengthening and extending our global reach. Our aim is to use our cash to create value for our clients, our people and our shareholders. About Experian Contents 1 Overview 2 Business and market overview 4 Group strategy 6 Global reach Experian is the leading global information services company Business lines 8 Credit Services 10 Decision Analytics 12 Marketing Services 1 4 Interactive Our products and services are grouped into four global business lines Financials 16 Revenue mix 17 Revenue and EBIT by geography 19 Revenue and EBIT by principal activity US$m 21 Cost analysis and cash flow Our financial performance is reported on a geographical basis across four regions 2 About Experian Business and market overview Experian provides information, analytical tools and marketing services to organisations around the world. Our clients use these services to manage risk, find and retain customers, and automate decision making. We also help consumers to manage their credit relationships and to minimise the risk of identity theft. Business lines Credit Services Decision Analytics Experian provides data, analytical Credit Services enables organisations Decision Analytics helps tools and marketing services to to manage the risks associated with organisations with large customer organisations in North America, lending money. We help clients bases to manage and automate huge Latin America, UK and Ireland and to find new customers for credit, volumes of day-to-day decisions. Our EMEA/Asia Pacific. to predict and manage credit risk, clients include international banks, and to reduce exposure to bad debt utility companies and public service The Group’s financial performance is and fraud. We maintain very large, providers, who rely on our predictive reported by geography. Activities in comprehensive databases that hold tools and sophisticated software to these regions are grouped into four the credit application and repayment control decision-making at all points principal activities. histories of millions of consumers of contact with customers. and businesses. In total, we operate 16 consumer credit bureaux and 12 business credit bureaux around the world. Revenue by region Revenue by region North America 42% UK and Ireland 14% North America 26% UK and Ireland 44% Latin America 32% EMEA/Asia Pacific 12% Latin America 2% EMEA/Asia Pacific 28% Contribution to Group revenue Contribution to Group revenue 43% 11% Market position Experian is the global leader in Experian is the primary provider of Experian is the market leader in the our industry, with strong market consumer credit information to many provision of decision analytics in positions. We are more than financial institutions in the US; the all geographies other than the US, twice the size of our nearest peer other credit bureaux are Equifax and where Fair Isaac Corporation (FICO) and considerably broader in our TransUnion. In the UK and Brazil, we is the market leader. There is also capabilities and global reach. This are the clear market leader and we competition in individual markets diversity enables us to support have leading positions in many other from smaller, local suppliers. clients across many countries, countries. providing competitive advantage, and creates many opportunities for In business information, we are the growth in expanding economies. leading provider in the UK and Brazil, and in a number of other markets. There is no single competitor that Dun & Bradstreet (D&B) is the only operates across all four principal global competitor in this field. activities, although Experian does have a number of competitors within each. About Experian 3 Revenue by geography North America 12% Latin America UK and 20% 53% Ireland EMEA/ Asia Pacific 15% Revenue by activity Credit Services Decision 27% Analytics Marketing 43% Services Marketing Services Interactive Interactive 19% Marketing Services helps Interactive enables consumers to 11% organisations to target and engage manage and protect their personal customers effectively, improving credit files, and to make more informed returns on marketing investment. online purchasing decisions. Credit Revenue by client We maintain extensive geographic, reports are provided directly to demographic and lifestyle data on consumers, along with credit scores. Top 10 clients consumers and businesses. This We also provide online monitoring 11% Top 50 clients information is used in conjunction services that help consumers to protect All other 13% with advanced analytical systems themselves from identity theft. Our lead to enable our clients to understand generation services help businesses to their customers and execute relevant find new customers over the internet. 76% communications across a variety of PriceGrabber helps consumers find the channels. best products at the best price. Revenue by region Revenue by region Revenue by industry Financial services Direct-to- consumer 16% North America 45% UK and Ireland 33% North America 89% Retail 5% Public Latin America 2% EMEA/Asia Pacific 20% UK and Ireland 11% 5% 36% sector and 5% education Telecoms Contribution to Group revenue Contribution to Group revenue 15%14% and utilities 19% Automotive 19% 27% Other Experian has a Marketing Services Experian’s direct-to-consumer, credit Competitive position presence in major economies around information business is the clear Global revenue US$m the world, including the UK, US, market leader in both the US and UK. Germany, France, China and Japan. In the US, competition is provided by Experian 53% 47% 3,8591 This enables us to provide marketing Equifax, TransUnion, FICO and other Equifax 81% 19% 1,8252 solutions to global companies. smaller specialists, but we are more than twice the size of any of these D&B 78%* 22% 1,6872 In the US, large marketing competitors. In the UK, competition 3 Acxiom 86%* 14% 1,277 competitors for traditional direct is provided by Equifax and smaller marketing services include Acxiom niche suppliers. Harte-Hanks 90%* 10% 8602 and Harte-Hanks. Competition 4 FICO 68%* 32% 631 elsewhere tends to be fragmented and specialised. North America International Source: Latest full-year revenue, Company financials 1 Year ended 31 March 2010 2 Year ended 31 December 2009 3 Year ended 31 March 2009 4 Year ended 30 September 2009 * US only 4 About Experian Group strategy Experian’s strategic goal is to grow the business and increase shareholder value by leveraging our global scale, maximising opportunities in new market segments and sustaining our leadership position through constant innovation. Our strategic framework has three elements: focus on data and analytics, drive profitable growth and optimise capital efficiency. Focus on data Expand global reach and analytics We continue to expand our global reach and extend our capabilities into new geographies Experian’s core expertise lies in and new market sectors. the ownership and operation of comprehensive databases about We have launched a new credit bureau in consumers and businesses. From these Morocco and have been awarded a licence to we are able to extract significant extra operate a bureau in India through a joint venture value by applying our own proprietary with seven leading Indian financial institutions. analytics and software. Our credit bureau in Russia has been strengthened with a new joint venture partner, Sberbank. Acquisitions in Germany and Japan have expanded the global reach of Marketing Taking control of growth of control Taking Drive profitable Deliver innovative data and analytics Innovation lies at the heart of Experian and growth promotes long-term client relationships. Experian’s aim is to drive sustainable, We are investing in new data to ensure that profitable revenue growth through clients continue to have access to the most prioritising specific growth initiatives comprehensive and up-to-date information and mobilising our talent around the to drive their decision making. New data world. sources include income, employment, property valuations and positive credit data. Optimise capital Execute superior sales and operations We are investing in our people and efficiency infrastructure to maintain a high performance Experian is a very cash generative business culture and ensure that we continue to be a and we seek to use our cash wisely, in the great partner to our clients. interests of all stakeholders. Our aim is to use our strong cash flow to reinvest to We are driving sales excellence by retain competitive advantage. We will establishing best practice processes for consider acquisitions where they fit with performance management, training and our strategy and meet our financial career development. We are investing in hurdles and will evaluate additional new technology platforms to help connect opportunities for returning surplus cash to shareholders. About Experian 5 Services, while new product innovations and clients wins have increased our presence across a range of fast growing markets. Many of our products can be adapted and repurposed to enable quick deployment in sectors beyond financial services. This is enabling us to diversify our revenue base by developing opportunities in vertical markets such as the public sector, telecommunications, utilities
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