Experian 2012 Annual Report Download - page 11
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9
Governance Financial statementsBusiness reviewBusiness overview
Progress
Progress
We continue to extend and build data assets by investing in rental, income, payday loan, and utilities data, enabling
us to develop new products for risk management and fraud prevention. In Brazil, Spain and Denmark, we are building
positive data files. In Australia we are establishing new consumer and business credit bureaux, in partnership with
the major banks.
We expanded our addressable market in US healthcare payments with the acquisition of Medical Present Value, and in the
UK, we increased services we offer to small and medium enterprises in the credit reference sector with the acquisition of
LM Group. We are helping telecommunication providers better manage their collections processes, and in the UK we are
partnering with the public sector to assist government departments to authenticate benefit claimants and to prevent fraud.
The acquisition of Computec extended our geographic presence to Colombia, Peru and Venezuela. In Brazil
we have invested in new sources of negative data in partnership with a major retail association. We have also launched
credit risk and business information services in India and fraud prevention services in Russia.
With the acquisition of an email marketing business in Brazil, we now offer email marketing across ten of the largest
advertising markets in the world. We have deepened our social media capabilities, with the launch of social research
and media campaign platforms. And we have developed a sophisticated digital advertising platform that allows our
clients to manage their online campaigns.
We continue to enhance the services we provide to consumers. For example, in the UK we are offering greater value to
subscribers of credit reference products by bundling vehicle history checks and property valuation reports. We have added
new identity protection services including wider web monitoring and protection for children when online in the
US. And we are the first credit reporting agency in the US to offer personalised, live telephone-based credit education.
Organic revenue growth KPI on page 22
EBIT margin KPI on page 22
Cash flow conversion KPI on page 22
2012
2012
(+50 basis points)
2012
10%
26.2%
96%
Be a good
employer to all
Play an active part
in our communities
Minimise
environmental impacts
CR section on page 47