About Experian

©2012 Experian Limited. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Limited. Other products and company names mentioned may be the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without prior written permission of Experian Limited.Experian Public.

Learn more about Experianand what I do for a living…

June 2012


Our businessAn overview of Experian’s global business

3©2012 Experian Limited. All rights reserved.Experian Public.

Our businessSnapshot of Experian

Revenue: US$4.5 bn EBIT: US$1.2 bn Market Cap*: £9.0 bn In top 50 of FTSE-100 Employees: c. 17,000 Offices in 44 countries Largest markets: US, Brazil, UK Corporate headquarters: Dublin

For the year ending 31 March 2012* At 10 May 2012

Leading global information services company,providing data and analytical tools to clients around the world


Share price performanceExperian vs. FTSE 100 and competitors

Source: BloombergFrom demerger to 31 May 20121 Average of Equifax, FICO and Dun & Bradstreet share prices rebased to Experian

Shar

e Pr

ice

- pen

ce (r

ebas

ed to

Exp

eria

n)

Experian Average competitors¹

+62%

+9%

-11%

FTSE-100

Oct-06 Oct-07 Oct-08 Oct-09 Oct-10 Oct-11200

300

400

500

600

700

800

900

1,000

1,100


Ranking by market capitalisationWhere do we rank in the FTSE 100?

Ranking Company35 Antofagasta36 WPP37 Associated British Foods38 Fresnillo39 Pearson40 Experian41 BAE systems42 CRH 43 Aviva44 ARM Holdings45 Old Mutual

Source: BAML, 30 May 2012


Our businessMarket leader with unparalleled global reach and range

More than double the size of nearest competitor, broader range

55% 67%*

33%77%*

23%

80% 86%*

3,000

0

500

3,500

2,000

4,000

2,500

1,000

1,500

Glo

bal r

even

ue U

S$m

Other regionsNorth America

Experian Equifax

47%

53%

D&B Acxiom FICO

1,1301

6203

63%*37%

71%

1,7592

29%

4,4851

81%

1,9602

19%

86%*

14% 1,0242

21%

79%*

TransUnion

4,500

*US only. Source: Latest full year revenue, company SEC filings

1 Year ended 31 March 20122 Year ended 31 December 2011

3 Year ended 30 September 2011


Our businessHow our global revenue splits

Credit Services 47%

Decision Analytics

11%

Marketing Services 21%

Consumer Services 21%

Diverse portfolio by geography, business

line and customer segment

By customer segment

Financial services 32% Direct to

consumer 21%

Retail 14%

Other 14%

Public Sector/Education Automotive

Insurance Telecoms /Utilities

Media 2%5%

3% 4% 5%

By business lineBy region

EMEA/Asia Pacific 14%

UK & Ireland 18%

North America 47%

Latin America 21%


Our businessSeven year performance trend

Global continuing revenue and EBIT only. EBIT margin excluding FARES. Operating cash conversion adjusted to exclude FARES. FY06 to FY10 EBIT adjusted to exclude FARES (discontinued operation). FY06 and FY07 revenue and EBIT adjusted to exclude MetaReward. FY07 and FY08 revenue and EBIT adjusted to exclude Loyalty Solutions. FY08 and FY09 revenue and EBIT adjusted to exclude French Transaction Processing business and other smaller discontinuing activities. FY10 and FY11 revenue and EBIT adjusted to exclude small discontinuing activities. FY11 and FY12 revenue, EBIT and operating cash conversion adjusted to exclude the comparison shopping and lead generation businesses that are held for sale.Revenue and EBIT growth shown at constant FX rates. Benchmark PBT growth shown at actual FX rates.* At constant exchange rates.

FY06 FY07 FY08 FY09 FY10 FY11 FY12

3,407

3,712 3,790 3,8033,859

747 848 896 932 991

2,930

616 1,175

4,485

EBIT margin(direct business)

Operating cashconversion

21.9%

100%

22.8%

99%

23.6%

101%

24.5%

100%

25.7%

98%

Organic revenue growth

21.0%

102%

26.2%

96%

8% 4% 3% 2% 8%12% 10%

Revenue US$m

EBIT US$m Financial objectives:

• Mid-high single digit organic revenue growth

• Maintain or improve margin

• Convert at least 90% of EBIT into operating cash


Our businessGlobal reach

Experian operates in over 40 countries and sells to clients in many countries around the world

Argentina

Australia

Austria

Belgium

Brazil

Bulgaria

Canada

Chile

China

Colombia

Costa Rica

Czech Republic

Denmark

Estonia

France

Germany

Greece

India

Ireland

Italy

Japan

Malaysia

Mexico

Monaco

Morocco

Netherlands

New Zealand

Norway

Peru

Poland

Portugal

Russia

Singapore

South Africa

South Korea

Spain

Sweden

Taiwan

Thailand

Turkey

United Arab

Emirates

United Kingdom

United States

Venezuela


Our businessServices by country


Our businessCredit Services

Provides information to organisations to help them lend profitably to their customers

We build and manage large databases of credit applications and payment histories of consumers and businesses

We help clients manage risk associated with lending money, e.g., who to lend to, set appropriate lending limits and take action on overdue accounts

Credit reports can include identity information, past and present credit obligations, court judgments, suspected fraudulent applications and previous addresses

Typically, banks, mortgage providers, credit card providers, automotive, telecommunications, utilities, insurance and utilities

We also operate specialist databases for the automotive sector

Consumer: Equifax, TransUnion, local credit bureausBusiness: Dun & Bradstreet

What do we do?

What’s in the data?

Who are our clients?

Other activities

Our expertise

Main competitors


Our businessDecision Analytics

Unlocks the value of credit data so that businesses can make quick and accurate decisions

We provide software, analytical tools such as scores and expert consulting to turn credit data into actionable decisionsOur expertise

We help customers at all stages of the lending cycle For example: identifying and authenticating new customers; segmenting existing customers; managing loan portfolios and optimising collections

What do we do?

Typically, financial institutions, telecommunications, utilities and public sector. Many are multinational and standardise their operations around the world on our platforms

Who are our clients?

We also help organisations to protect themselves through the detection and prevention of fraudOther activities

Fair Isaac (FICO), SAS, and smaller local playersMain competitors


Our businessMarketing Services

Our expertiseWe help clients to understand their customers, communicate with them on an individual level and measure the success of marketing initiatives

Who are our clients? Financial services, retailers, media, automotive and the public sector

Main competitors Traditional providers such as Acxiom and ADS-Epsilon, agencies such as WPP and Omnicom, and online publishers

We own unique data on consumer attributes, such as demographic information, contact data and online data, providing a rich source of marketing information for our clients

We help clients to plan and execute their digital marketing campaigns, develop their messaging, target advertising to consumers according to their preferences, and measure our clients return on marketing spend

What do we do?Data and data management

What do we do?Digital Services

Helps organisations target & engage customers using sophisticated marketing strategies


Our businessConsumer Services

What do we do?For consumers

What do we do?For businesses

In the US - Equifax, TransUnion and Fair IsaacIn the UK - Equifax and smaller niche players

Helps consumers to monitor their credit reports online

We provide credit monitoring, credit scores and identity protection services to consumers via the Internet.

We provide consumers with access to their complete credit history in return for a monthly subscription fee. We also provide identity protection services

We partner with businesses to help them provide their customers with credit monitoring and identity protection

Our expertise

Main competitors


Our strategyGrowth through global strength


Our strategyOur five global strategic objectives

Become the most trusted consumer brand for credit information and identity protection services

Extend our global lead in credit information and analytics

Build successful businesses in new customer segments

Become global leader in digital marketing services

Build large-scale operations in major emerging consumer economies

1

2

3

4

5


Our strategyGlobal growth programme update

• North America business information products

• Next-generation bureau• New Decision Analytics

platform• New Marketing

Services platforms• Consumer protection

products

• Credit bureaux:• Colombia• India• Australia

• Positive data• Marketing Services

product roll-out• Consumer Services

roll-out

• SME • Healthcare payments• Insurance• Public sector• Telecommunications• Utilities

Expanding geographically

New customer segmentsProduct innovation

Global growth programme contributed c.4% to organic revenue growth in FY12


Our strategyDelivering against our strategic metrics

2010

27%

64%

>10% >10%

Year to 31 March

New customer segments% of revenue from outside Financial Services

InnovationNew products as % of global revenue2

Expanding geographically% of revenue from outside US & UK

32%

66%

1 Excludes comparison shopping and lead generation businesses in North America and UK and Ireland (now classified as discontinued operations)2 % of global revenue from products developed within past five years

35%

68%

>10%

20111 20121


Our strategySummary

- now and into the future

Deliveringpremium growth


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