Experian 2008 Annual Report Download - page 6

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Experian at a glance
Experian is an information services
company.
We provide organisations and
individuals with information and
analysis to help them make the right
decisions.
It may be a bank needing to decide
the most appropriate credit limit for a
new customer. Or a retailer wanting
to choose the best location for a new
store. Or a vehicle manufacturer
looking for the best potential
customers for its latest model. Or a
government department needing to
verify the identity of new claimants. Or
a consumer wanting to protect their
family from identity fraud.
At the heart of our business lies a vast
store of information, around which
we have developed a unique range of
analytical skills and software tools. It
enables us to provide extraordinary
insight into everyday decision making.
From our early focus on financial
services, we now have clients in almost
every major industry. We have also
continued to expand geographically
and today support clients in over 65
countries.
Our products and services are
grouped under four principal
activities:
Credit Services
Helping lenders to make timely and
responsible credit-granting decisions,
while making it easier and quicker for
their own customers to obtain finance.
Decision Analytics
Enabling lenders to assess the
degree of risk associated with any
particular course of action and to
test and fine-tune different lending
strategies.
Marketing Services
Helping organisations to reach new
customers and to expand existing
relationships, using the most
appropriate media and message.
Interactive
Allowing consumers to monitor
their personal credit files securely
over the internet and to find the best
deals on products and services.
Experian’s operational headquarters are in
Costa Mesa, California (above) and Nottingham,
United Kingdom (below).
Contribution to Group revenue
Credit Services
Revenue by region
UK and Ireland 15%
North America 43%
Latin America 16% EMEA/Asia Pacific 26%
Contribution to Group revenue
Decision Analytics
Revenue by region
UK and Ireland 53%
North America 17%
Latin America 2% EMEA/Asia Pacific 28%
4Experian Annual Report 2008
47% 12%