About 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 and where Fair Isaac Corporation (FICO) and considerably broader in our TransUnion. In the UK and , 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. , France, and . 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 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 through a joint venture value by applying our own proprietary with seven leading Indian financial institutions. analytics and software. Our credit bureau in 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 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 and healthcare.

We continue to invest in ground-breaking new products such as ProtectMyID, the consumer identity theft protection service, and Future Delphi, a risk model combining both credit and macro-economic data to forecast customer risk.

We are also building the next generation of platforms for our global credit bureau operations and decision analytics products, and are making some major investments in our marketing platforms.

the global organisation, enabling us to share expertise and resources more effectively, bring products to market more quickly and better serve our clients around the world.

We are also increasing our focus on new vertical markets within all regions, investing in additional expert talent, and expanding our strategic client programme to drive additional cross-selling. 6 About Experian

Global reach

Experian operates in 40 countries and sells to clients in over 90 countries.

Countries with Experian offices Argentina Chile France Japan Norway Sweden China Germany Austria Costa Rica Greece Russia Belgium Czech Republic Hong Kong Monaco Brazil Denmark India Morocco Bulgaria Estonia Ireland Netherlands South Finland New Zealand

Regional profile

Revenue by region (US$m) EBIT by region (US$m) Employees by region (FTEs)

52 461 5% 12% 3,218 212 21% 20% 5,561 779 36% 20% 2,060 628 53% 59% 166 3,623 559 16% 24% 15% 2,940 19%

North America Latin America UK and Ireland EMEA/ Asia Pacific All analysis excludes discontinuing activities About Experian 7

Services by country Australia/NZ Brazil Bulgaria/Romania/Russia Canada China France/Belgium/ NorthAfrica Germany/Austria/ Switzerland India Italy Japan America Latin Morocco East/PakistanMiddle Netherlands Norway/Sweden/ Denmark/Finland/Estonia Asia Pacific Other of Ireland Republic Africa South Spain/Portugal Turkey UK US

Credit Services Consumer bureaux l l l l l t l l l l l t l l Business information l l l l l l l l l Automotive databases l l l l l

Decision Analytics Decision support l l l l l l l l l l l l l l l l l l l l l l Application processing l l l l l l l l l l l l l l l l l l l l l l Fraud solutions l l l l l l l l l l l l l l l l l l l l l l

Marketing Services Data and data management l l l l l l l l l l l l l l Digital services l l l l l l l l l l l l l l l l l l l l

Interactive Consumer Direct services l l Lead generation l

l Service offered t Service offered via third party

Major global competitors

Credit Services Decision Analytics Marketing Services Interactive

Information Consumer Direct Acxiom l D&B l l l Equifax l l l Fair Isaac l l l Harte-Hanks l Info Group, Inc l TransUnion l l l 8 About Experian

Credit Services

Credit Services helps organisations to acquire new customers, to predict and manage credit risk, and to reduce exposure to bad debt and fraud. We maintain very large, comprehensive databases that hold the credit application and repayment histories of millions of consumers and businesses. In total, we own 14 consumer credit bureaux and ten business credit bureaux around the world and have an interest in two additional consumer and two business credit bureaux.

Credit Services provides information present credit obligations, court Experian’s business information is to organisations to help them lend judgments, suspected fraudulent used by clients to set the credit terms profitably to their customers. applications and previous addresses. for new accounts and to manage Experian has developed core The information is used by lenders existing account relationships. expertise in building and managing across the entire customer lifecycle. A typical business report will very large and comprehensive include a wide range of information, databases containing the credit Prospecting and origination including company’s registration applications and repayment histories At the prospecting stage, where and ownership details, trading of consumers and businesses. regulations permit, credit reports addresses, how quickly the business Our clients use this information to are used to identify consumers for is paying its bills, a credit risk score, manage the risks associated with pre-approved offers of credit. At the court judgments and a history of its lending money and to determine, application stage, credit reference financial performance. for example, the terms of a credit checks are undertaken to verify the Our ownership of both consumer agreement, whether to offer a loan or applicant’s identity, assess credit risk and business credit information issue a credit card and what action to and the potential for fraud, and set the means that Experian is particularly take with an overdue account. terms and conditions of the credit offer. well positioned to help assess the creditworthiness of small to medium- Experian’s expertise in database Account management and sized businesses, often the largest management has also led to the collections and fastest growing segment of development of specialist databases Credit information is also used to an economy. Here the finances of and services for the automotive drive account management and the owners are frequently closely sector. retention programmes. Changes in a linked to those of the business. By consumer credit report often provide combining personal and commercial Consumer information an indication of change in the risk or credit information in one report, Experian operates 16 consumer credit opportunity presented by existing Experian provides a complete picture bureaux, maintaining information customers. of the creditworthiness of small on over 500 million consumers. Our businesses. goal as a consumer credit reporting Experian’s credit reports also help agency is to help lenders make better improve the return on collections Automotive information informed and faster credit decisions processes by optimising collection Experian supplies vehicle history through access to detailed historical efforts, locating debtors and information in the US, UK, China, information about how consumers confirming and updating contact the Netherlands and Italy to help have fulfilled their credit obligations. details. dealers, finance providers, insurers and consumers understand the Experian owns consumer credit Business information risk associated with used vehicles. bureaux in the US, UK, Brazil, Experian maintains information on A vehicle history check can also Bulgaria, Denmark, Estonia, Ireland, about 40 million businesses across help establish the market value of a Italy, Morocco, Netherlands, Norway, the world, of all shapes and sizes. vehicle, the accuracy of the odometer South Africa and Spain, and has We own and operate business credit reading and whether or not the an interest in bureaux in India, Russia bureaux in the US, UK, Brazil, China, vehicle has changed owners, been and Singapore. Denmark, Estonia, Ireland, Italy, damaged in an accident, or been Morocco, Norway and South Africa, imported. Experian credit reports vary by and have an interest in a bureau in country, but typically include Singapore. identification information, past and About Experian 9

Developing the SME market in LATIN AMERICA Of the 10 million businesses in Brazil, some 99% are classed as small to medium-sized enterprises (SMEs). They employ most of the Brazilian workforce and represent a huge opportunity for further growth and prosperity in the region. For many of these businesses though, access to the type of prospecting and customer management information that larger organisations have come to rely upon, has been a challenge. Over the past year, Experian has combined many of its capabilities in Latin America into a suite of highly accessible products for the smaller business user. The product range extends from prospecting for new customers to assessing the credit risk of existing customers and managing the collection of overdue accounts. New online and telephone ordering channels have been established, together with a sales team of over 500 people to support sales across the region. Laercio Pinto, President of Experian’s Consumer and Business Information Services in Latin America, explains: “We have already acquired many thousands of new SME customers as a result of this initiative. It has required investment and a change in culture to address this new market, which will contribute significantly to our own growth in the coming years and to the strength of the SME sector”. 10 About Experian

Decision Analytics

Decision Analytics enables organisations with large customer bases to manage and automate huge volumes of day-to-day decisions. Our clients include banks, utility companies and public service providers, who rely on Experian’s predictive tools and sophisticated software to control decision-making at all points of contact with customers.

Decision Analytics unlocks the value client’s acquisition policies. They rating, or a benefit claimant falsely of Experian’s vast store of credit enable decisions to be delivered in claiming for state support, or a and marketing information, as well seconds at the point of customer fraudster assuming the identity as other data sources, by applying contact, while ensuring that new of a customer to make fraudulent expert consulting, analytical tools customers are recruited on terms that transactions. Experian offers a range and software to convert data into meet the client’s business objectives. of fraud prevention tools that are valuable business decisions. used by organisations to establish Customer management that people are who they say they We enable organisations to make In an environment where capital is are and that the information being accurate and relevant decisions scarce and where the cost of capital provided is correct. at each stage of the customer needs to be carefully managed, it is relationship; helping them to vital that organisations are able to Our tools can be integrated with identify potentially profitable new manage the risks and opportunities application processing systems customers, to segment their existing presented by their customers. to provide instant warnings of customers according to risk and Experian provides clients with the potentially fraudulent activity. They opportunity, to manage their loan insight to make the right decisions highlight inconsistencies and other portfolios and undertake effective for each customer, together with anomalies within applications, collections actions. We also protect the systems necessary to execute applying logic checks and comparing organisations by detecting and consistent and effective strategies at information against previous preventing fraud. every stage of the relationship. applications and known fraud data. We also provide the information Many of our clients are multinational Our customer management systems needed to verify instantly the identity and use our tools and software to are used to automate huge volumes of existing customers, facilitating standardise their lending operations of day-to-day decisions about secure transactions through call around the world, improving strategic risk management, marketing and centres and the internet. control and operational efficiencies, customer service. Clients are able as well as satisfying regulatory to design and test new strategies, Collections obligations. segmenting customers with similar Successfully managing customers characteristics and applying who have fallen into arrears and who Application processing scorecards for a range of business may be in financial difficulty is a key Consumers today expect fast objectives. New strategies can be concern for many organisations. decisions for any form of credit quickly implemented throughout the Experian’s analytics and software application, be it for a credit card, organisation, often across a branch play an important part in helping loan or mobile phone connection. network or multiple geographies, them to establish an accurate picture They are also much better informed ensuring consistent and accurate of a customer’s propensity and ability about competitive offers. Experian’s decision making. to pay, and therefore the amount application processing systems likely to be recovered. enable organisations to balance Through faster and better informed the requirement for speed and decisions, and more relevant Customers are segmented into competitiveness with the need for communications, we help clients highly-specific types, according to careful risk assessment. to build lasting and profitable a wide range of variables, to ensure relationships with their customers. they are managed in the most Our systems are used to manage appropriate way and with the right all stages of the credit application Fraud solutions level of priority. Our collections process, from capturing and verifying Fraud is a growing challenge faced systems automate many parts of the applicant’s details, to analysing by many organisations. It might be a the process, ensuring timely and and scoring information about the credit applicant providing incorrect cost-effective decision making, and individual, and implementing the information to improve their credit minimising the amount of debt that has to be written off. About Experian 11

understanding customer behaviour at National Grid The capabilities that Experian has developed to support the financial services marketplace are increasingly being applied to other industry sectors, such as energy, telecommunications and healthcare, as companies seek to gain a better understanding of their customers. National Grid is an international energy company, delivering power to more than 7.5 million businesses and homes in the US. At the start of the economic downturn in 2008, National Grid saw an unprecedented shift in customer behaviour, with customers who had previously never missed a payment now suddenly behind. It required a new approach to managing past-due customers; one that would enable collections actions to be matched to individual circumstances. National Grid implemented Experian’s Portfolio Management Package, which uses behavioural scoring to measure the relative risk of customers in arrears and determine the best way to treat each one. Champion/challenger techniques allow these strategies to be constantly tested and refined. Tracey McCarthy, Vice President, Customer Financial Services at National Grid, said: “When we started this project, we wanted a smart tool. Today we look very smart. More importantly, we are serving our customers better”. 12 About Experian

Marketing Services

Marketing Services helps organisations to target and engage customers effectively, while delivering improved return on investment. Experian maintains extensive geographic, demographic and lifestyle data on consumers and businesses. This information is used in conjunction with advanced analytical systems to enable clients to understand their customers and execute relevant communications across a variety of channels.

Marketing Services helps many of the read, what television programmes Our digital advertising services help world’s leading organisations target they watch, what products they buy, marketers and media companies to and engage their customers through and even how they feel about certain target audiences through television, sophisticated marketing strategies issues. Experian Hitwise is a leading internet and mobile channels. We that generate significant return on internet marketing intelligence enable marketers to improve their investment. We work as a strategic company, which monitors the return on digital marketing spend by partner with our clients, enabling performance of over one million enhancing advertising effectiveness, them to understand their customers websites so that marketers can target website performance and lead more completely, communicate their online advertising expenditure conversion, while maintaining strict with them on an individual level more effectively and compare their adherence to consumer privacy and measure the marketing impact online performance to competitors. standards. throughout their businesses. Platforms Analytics By focusing on three core areas Experian provides innovative Understanding who your best of excellence – data, analytics and technology platforms that enable potential customers are and what platforms – Marketing Services successful marketing programmes to motivates them provides a powerful provides marketers with the insight, be delivered across a range of media. competitive advantage. Experian’s technology and expertise they aim is to make sure that every need to build profitable and lasting Clean, accurate name and address customer contact counts, which we customer relationships. information, together with the ability to accomplish by helping marketers to integrate data from multiple sources, target the right message to the right Data provide the foundation for successful buyer through the right channel at the Experian has developed one of the customer relationships. Organisations right time. world’s largest sources of marketing across all market sectors rely on information, with a unique set Experian’s verification software for Our expert statisticians and business of proprietary databases. This recording and validating name and analysts use predictive modelling to allows us to provide marketers address information at the point of help marketers profile and segment with exceptional insight into their capture. Our list processing services customers and develop customer- customers and prospects, across a ensure that this contact information centric, information-driven marketing broad range of important attributes, is always up to date and accurate, programmes. We help marketers to including demographic, geographic, and without duplicate entries. Our pinpoint the attitudes and behaviours purchasing and media preference customer data integration services of their best customers, predict and data. By enriching our clients’ data enable clients to integrate multiple test relevant messaging and best in this way, we enable them to target data sources to obtain a single, offers, identify purchase decision consumers and businesses with accurate view of each customer. triggers, and craft solutions and great precision and to develop more roadmaps that deliver measurable effective communications. Our email marketing team at Experian results. CheetahMail is the industry’s We also provide a range of market largest and most experienced, research services to help clients using innovative and feature-rich better understand consumer technology to enable marketers to opinions and behaviour. Experian create and deliver permission-based Simmons, for example, has been the emails that are as individual as their voice of the American consumer for customers. Each month, our email over 50 years, providing marketers marketing platform deploys over two with up-to-date information on what billion emails in over 30 languages to magazines their target consumers customers all over the world. About Experian 13

Making TV advertising more relevant and accountable The ability to target potential new customers with the right offers across all types of media is central to Experian’s Marketing Services capabilities. Until recently though, television has lagged behind other media as a means for reaching only the most appropriate consumers. Experian has been involved in a ground-breaking trial with US cable company, Comcast, to make television advertising more relevant for viewers and more accountable for advertisers. Working with Comcast and major marketers, such as General Motors and Procter & Gamble, Experian segmented viewers into anonymous groups of households, matching relevant advertising messages to each group. Comcast was then able to deliver a range of advertisements within the same commercial break, targeted according to the characteristics of particular households. The latest trial results have shown that television advertising targeted at defined groups is up to 65% more cost effective, with viewers 32% less likely to switch channels during the commercial break. Andrew Ward, Vice-President of Strategic Initiatives for Comcast Spotlight, commented: “Our trials have delivered terrific results, and represent an important part of the shift in television advertising from one-to- many marketing towards a one-to-few model”. 14 About Experian

Interactive

Interactive enables consumers to manage and protect their personal credit files, as well as to make more informed online purchasing decisions. Experian provides credit reports directly to consumers, together with credit scores and tools for preventing identity theft. We also provide lead generation to businesses by connecting them with consumers over the internet.

Our Interactive business provides It is estimated that about ten million Connecting consumers to credit monitoring and other Americans fall victim each year to businesses over the internet information services to millions identity theft, which is now also one Experian is a trusted intermediary of consumers via the internet. We of the fastest growing crimes in the on the internet, helping consumers enable consumers to monitor the UK. Experian’s identity protection to find the most appropriate accuracy of their credit report online, services include internet scanning financial services provider or online to check their and to of subscribers’ debit or credit card educational programme, together protect against identity theft. We numbers and the monitoring of with the best deal on millions of also help consumers to make more address change notifications. We consumer products. Our Interactive informed decisions when purchasing also protect the personal information websites provide this service at no products and services online. of children by checking for signs of cost to consumers and generate their suspicious activity, such as someone income from the leads provided to Credit monitoring and identity applying for credit or opening our clients. theft protection accounts in their names. In the event Experian provides consumers with of fraud, we provide access to a LowerMyBills.com connects secure, unlimited access to their dedicated fraud resolution expert, consumers looking for a home complete in return for together with insurance against loan, credit card or insurance with a regular monthly subscription. The financial loss. companies best suited to their needs. service allows them to see the same ClassesUSA provides professional information that lenders use when Experian partners with many of the adults with access to online deciding whether to offer a loan or leading online brands to bring our educational opportunities, with more credit card, including their current credit monitoring services to the than two million people visiting its credit score. Email or text alerts keep widest possible audience, including website each month. them informed about any significant MSN, Yahoo! and AOL. Major changes to their credit report. Our financial services organisations, PriceGrabber.com is a leader in subscribers also receive information such as American Express and online comparison shopping, that helps them manage their credit Discover Card, also offer our providing consumers with unbiased commitments and are able to seek services to their customers. information on products, services advice from our credit reference and merchants to help them make the specialists. right choice. It has 26 million active users worldwide. Experian is the market leader in this field, both in the US and UK, delivering more than 500,000 credit reports to consumers each month. Our service enables consumers to take control of their credit histories, helping them secure the credit they need in the future and to guard against the growing problem of identity theft. About Experian 15

helping protect CONSUMERS from identity theft Each year, around ten million Americans are the victims of identity theft, one of the fastest growing crimes in recent times. Simply checking your credit report occasionally is no longer enough to guard against the misuse of your personal information. ProtectMyID.com (PMID), a part of Experian, has been designed to protect individuals from the financial loss and emotional strain that accompanies this crime. Members are provided with daily monitoring of their credit profile across all three US credit bureaux. They are also alerted to address change notifications that might indicate fraudulent postal redirection and their credit and debit card details are searched for daily on the internet for fraudulent use. Experian’s Fraud Resolution Agents are on hand to provide assistance in resolving identity theft issues and the service is backed by PMID’s $1 Million Product Guarantee. John is one of the nine million people Experian helps today through its credit monitoring and identity protection products: “When I joined ProtectMyID.com I had already experienced identity theft. Since then, I’ve been alerted to additional attempts to steal my credit card. It’s like an early warning system. I should have joined years ago”. 16 About Experian

Revenue mix

Credit Decision Marketing North America Services Analytics Services Interactive Revenue (US$m)1 693 116 329 922 Percentage of revenue 33% 6% 16% 45% 12 months to 31 March 2010 underlying growth2 (6%) (3%) (8%) 8% 1 Revenue is for the 12 months to 31 March 2010 and excludes discontinuing activities 2 Growth excludes discontinuing activities and corporate acquisitions

Credit Decision Marketing Latin America Services Analytics Services Revenue (US$m)1 538 7 14 Percentage of revenue 96% 1% 3% 12 months to 31 March 2010 underlying growth2 17% (26%) (13%) 1 Revenue is for the 12 months to 31 March 2010 and excludes discontinuing activities 2 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions

Credit Decision Marketing UK and Ireland Services Analytics Services Interactive Revenue (US$m)1 234 193 243 109 Percentage of revenue 30% 25% 31% 14% 12 months to 31 March 2010 underlying growth2 (6%) (8%) (2%) 38% 1 Revenue is for the 12 months to 31 March 2010 and excludes discontinuing activities 2 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions

Credit Decision Marketing EMEA/Asia Pacific Services Analytics Services Revenue (US$m)1 191 125 145 Percentage of revenue 41% 27% 32% 12 months to 31 March 2010 underlying growth2 0% (5%) 8% 1 Revenue is for the 12 months to 31 March 2010 and excludes discontinuing activities 2 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions About Experian 17

Revenue and EBIT by geography

Experian 2010 2009 Year ended 31 March US$m US$m Revenue North America 2,060 2,059 Latin America 559 462 UK and Ireland 779 843 EMEA/Asia Pacific 461 426

Total continuing activities 3,859 3,790 Continuing activities growth %1 2% 8% Underlying growth %2 2% 3%

EBIT North America 628 623 Latin America 166 118 UK and Ireland 212 211 EMEA/Asia Pacific 52 49 Central activities (62) (57)

Total continuing activities 996 944 Continuing activities growth %1 6% 8% EBIT margin %3 24.4% 23.6%

1 Growth is at constant exchange rates and excludes discontinuing activities 2 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions 3 EBIT margin excludes FARES

North America 2010 2009 Year ended 31 March US$m US$m Revenue Continuing activities 2,060 2,059 Continuing activities growth %1 0% 1% Underlying growth %2 0% 1%

EBIT Direct business 572 575 FARES 56 48

Continuing activities 628 623 Continuing activities growth %1 1% 1% EBIT margin %3 27.8% 27.9%

1 Growth excludes discontinuing activities 2 Growth excludes discontinuing activities and corporate acquisitions 3 EBIT margin excludes FARES 18 About Experian

Revenue and EBIT by geography (continued)

Latin America 2010 2009 Year ended 31 March US$m US$m Revenue Continuing activities 559 462 Continuing activities growth %1 16% 51% Underlying growth %2 16% 18%

EBIT Continuing activities 166 118 Continuing activities growth %1 34% 67% EBIT margin % 29.7% 25.5%

1 Growth is at constant exchange rates and excludes discontinuing activities 2 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions

UK and Ireland 2010 2009 Year ended 31 March US$m US$m Revenue Continuing activities 779 843 Continuing activities growth %1 (1%) 5% Underlying growth %2 (1%) 3%

EBIT Continuing activities 212 211 Continuing activities growth %1 7% 10% EBIT margin % 27.2% 25.0%

1 Growth is at constant exchange rates and excludes discontinuing activities 2 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions

EMEA/Asia Pacific 2010 2009 Year ended 31 March US$m US$m Revenue Continuing activities 461 426 Continuing activities growth %1 6% 19% Underlying growth %2 1% 6%

EBIT Continuing activities 52 49 Continuing activities growth %1 1% 3% EBIT margin % 11.3% 11.5%

1 Growth is at constant exchange rates and excludes discontinuing activities 2 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions About Experian 19

Revenue and EBIT by principal activity

Experian 2010 2009 Year ended 31 March US$m US$m Growth %1 Revenue Credit Services 1,656 1,604 1% Decision Analytics 441 486 (7%) Marketing Services 731 764 (4%) Interactive 1,031 936 11%

Total continuing activities 3,859 3,790 2%

EBIT Credit Services 555 513 Decision Analytics 119 140 Marketing Services 86 88 Interactive 242 212 FARES 56 48 Central activities (62) (57)

Total continuing activities 996 944

EBIT margin2 Credit Services 33.5% 32.0% Decision Analytics 27.0% 28.8% Marketing Services 11.8% 11.5% Interactive 23.5% 22.6%

Total continuing activities 24.4% 23.6%

1 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions 2 EBIT margin excludes FARES 20 About Experian

Revenue and EBIT by principal activity (continued)

North America 2010 2009 Year ended 31 March US$m US$m Growth %1 Credit Services 693 730 (6%) Decision Analytics 116 119 (3%) Marketing Services 329 358 (8%) Interactive 922 852 8%

Total continuing activities 2,060 2,059 0%

1 Growth excludes discontinuing activities and corporate acquisitions

Latin America 2010 2009 Year ended 31 March US$m US$m Growth %1 Credit Services 538 437 17% Decision Analytics 7 10 (26%) Marketing Services 14 15 (13%)

Total continuing activities 559 462 16%

1 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions

UK and Ireland 2010 2009 Year ended 31 March US$m US$m Growth %1 Credit Services 234 265 (6%) Decision Analytics 193 226 (8%) Marketing Services 243 268 (2%) Interactive 109 84 38%

Total continuing activities 779 843 (1%)

1 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions

EMEA/Asia Pacific 2010 2009 Year ended 31 March US$m US$m Growth %1 Credit Services 191 172 0% Decision Analytics 125 131 (5%) Marketing Services 145 123 8%

Total continuing activities 461 426 1%

1 Growth is at constant exchange rates and excludes discontinuing activities and corporate acquisitions About Experian 21

Cost analysis and cash flow

Experian – cost analysis 2010 2009 As a percentage of sales Year ended 31 March US$m US$m Growth %1 2010 2009 Revenue 3,859 3,790 2% 100% 100% Labour (1,511) (1,558) 2% (39%) (41%) IT (191) (151) (27%) (5%) (4%) Data (421) (423) 0% (11%) (11%) Customer acquisition/marketing (469) (421) (12%) (12%) (11%) Other (265) (284) 8% (7%) (7%)

Total costs (before central activities) (2,857) (2,837) (1%) (74%) (74%) Central activities (62) (57) (13%) (2%) (2%)

Total costs (2,919) (2,894) (2%) (76%) (76%)

EBIT – direct business 940 896 5% 24% 24% FARES 56 43 16% 1% 1%

EBIT 996 944 6% 25% 25%

Analysis excludes discontinuing activities 1 At constant exchange rates

Experian – definition of costs Labour Base payroll, bonus and commission, LTIP, pension, travel, recruitment and training IT Computer costs (including depreciation) and telecommunications costs Data Data purchased less amounts capitalised plus data amortisation and royalty costs Marketing Customer acquisition costs and advertising Other Other depreciation, occupancy, legal and professional fees and printing and supplies Central activities Finance, treasury and other global functions

Experian – cash flow 2010 2009 Year ended 31 March US$m US$m

EBIT continuing activities 996 944 EBIT discontinuing activities (5) (5)

Total EBIT 991 939 Depreciation/amortisation 274 273 Loss on sale of fixed assets 1 9 Capital expenditure (314) (305) Sale of property, plant and equipment 30 0 Working capital (22) 7 Dividend from associates, less share of profit (17) (16) Share based payments 33 20

Operating cash flow 976 927 Corporate Corporate Operational headquarters office headquarters

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T +353 (0) 1 846 9100 T +44 (0) 20 304 24200 T +44 (0) 115 941 0888 T +1 714 830 7000 T +55 11 3373 7272 F +353 (0) 1 846 9150 F +44 (0) 20 304 24250 F +44 (0) 115 828 6341 F +1 714 830 2449 F +55 11 2847 9198

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Annual Report 2010 www.experianannualreport.ie