Introduction to Dun & Bradstreet

Risk Management Solutions

April 2012

Agenda

No. 1 2 3 4 5 6 7 About Dun & Bradstreet Risk Management Solutions D&B D-U-N-S Number Business Information Reports D&B Ratings CCAM Reports Country Risk Reports

Particulars

8
9

Exporter’s Receivable Management Service
Techno-Economic Viability
our values people quality integrity customers teamwork performance excellence

About Dun & Bradstreet

3

About Dun & Bradstreet

 World’s leading provider of business information;  Established in 1841;  Listed on NYSE;  Presence in over 200 countries;  Revenue of USD 1.7 bn and market capitalization of USD 4.8 bn;

 D&B owns and maintains the world’s largest and most comprehensive commercial database of 150+ million business entities;  Languages/ Dialects covered: 82;  Currencies covered: 181;  Updated 1.5 million times every day.

 Employs approximately 4,200 people.

Our heritage, database and technology makes us the world’s most reliable business information provider

our values people quality integrity customers teamwork performance excellence

About Dun & Bradstreet India

About Us
 India’s leading provider of Credit Information, Sales & Marketing solutions & Financial Education.  Commenced operations in 1995;  Offices in Mumbai, New Delhi, Chennai, Bangalore, Hyderabad, Ahmedabad, Kolkata;  Major clients include Banks, Financial Institutions, ECGC, Export Promotion Councils, MNCs, Corporates, Exporters, Importers and SMEs.

Key Partnerships
 Set up India’s first Credit Bureau, Credit Information Bureau (India) Ltd with Trans Union, SBI, and HDFC; and public/private sector banks;  Set up India’s first SME Credit Rating Agency, SME Rating Agency of India Ltd with SIDBI, CIBIL and public/private sector banks;  Strong alliance with Export Credit Guarantee Corporation of India (ECGC) giving us access to exporters in India. .
our values people quality integrity customers teamwork performance excellence

Economic. Clients rely on D&B’s Economic Analysis and Research to gain insight into industries. Financial Institutions and Corporates enhance their professional expertise D&B's Research and Advisory Services leverages D&B's experience of working with small businesses and its proven expertise in the areas of our values Risk Management. Sector and Financial Research to people provide customized research solutions and consulting qualityits clients. Comprehensive range of education and training solutions to help Banks. sector reports & custom research solutions. to integrity customers teamwork performance excellence . markets and economies globally through its suite of publications. Financial Institutions and Businesses to make more confident decisions. accelerate cash flow and monitor performance Sales & Marketing Solutions leverage on D&B’s data to offer integrated solutions to size and segment markets. identify new prospects and reach out to customers and prospects.Strategic Business Units Enable Banks. minimize risk.

small and medium enterprises etc our values people quality integrity customers teamwork performance excellence . corporates. industry and financial risk profiling and assessment CCAM • Customized risk model and due-diligence carried out for banks & corporates for their supply chain partners. Export Credit Guarantee Corporation of India. financial institutions.D&B Risk Management Offerings BIR • Basic business information report • Continuous Monitoring Services Comprehensive Reports • Detailed business. exporters. Key customers include banks. Ratings • D&B Global ratings • Rating of SMEs under the Performance & Credit Rating scheme of the National Small Industries Corporation (Govt) is carried out through SMERA (D&B promoted Joint Venture with SIDBI and banks) Value Added Products • TechnoEconomic Viability Study. importers . • FinGauge SME focused financial benchmarks covering 250+ industries & 20 key financial ratios covered • D&B DUNS Registered Exporter’s Receivable Management • To assist Indian exporters in the recovery of their export receivables.

Geography. be followed by a lead etc. PC count. This can Employee Size. and provides the following services: Executive movement track Reactive Company updates Company Watch alerts for new companies Decision Support • Provides dedicated decision support services to clients on a Retainer basis for the following activities: • Database querying • Data extraction for marketing campaigns • MIS generation Activities Analytics & Events & Promotion Predictive Science Activities • A specialty group within S&MS to conceptualize and execute end-toend events and promotions to engage end customer better • D&B’s Predict Science & Analytics (PSAC) team provides high end solutions which can help you size your market. additional D&B records and Net Worth. labeling & dispatching. and build customized generation exercise through our values information via primary tele-marketing people tele-research quality integrity customers teamwork performance excellence . • contact details. Line as personalizing. identify Returns on Marketing Investment and plan customer life cycle management Data Build Direct Mailing / Lead Generation • Arrive at a target set of • Identify Target Companies from companies based on the Maintained Data or Firmographics Turnover. Capital carry out mailing activities such Employed. Rankings.Sales & Marketing Capabilities & Services Data Rationalization • • Rationalize the customer’s existing database by using patented tools to cleanse & de-duplicate customer • data. financials and other firmographic • information can be appended Data Maintenance Maintains databases for clients on a Retainer basis. Of Business. analyze your customer base. • Valuable information such as DUNS number. stuffing.

D&B’s Economic Analysis Capabilities & Services Economic Research Corporate Publications Cluster Studies D&B Business Optimism Index D&B Economy Observer D&B Business Bulletin D&B Bankers Briefing D&B Budget Impact Analysis Customized Syndicated Publications India’s Top 500 Companies India’s Top IT Companies India’s Top ITeS and BPO Companies Emerging SMEs of India series India’s Infrastructure Companies India’s Top Banks India’s Leading Equity Broking Houses our values people quality integrity customers teamwork performance excellence .

Foreign Exchange Markets.Workshops.Tailor made training programs through class room sessions – 1300+ training days in FY06-09.D&B Learning Capabilities & Solutions • Open Programs . seminars and conferences in the financial services space – 250+ programs/3500+ participants • Customized Programs . Fixed Income Securities and Equity Research & Valuation Training Programs Forums & Events Certifications Research Publications & Books E-Learning • Customized courses • Blended training • Certification tools • Competency Assessment Tools our values people quality integrity customers teamwork performance excellence . • Sponsored Knowledge Forums • Sponsored Knowledge Events • Sponsored Knowledge Conferences • Introduced training for certification courses offered by: • Global Association of Risk Professionals (GARP) • Chartered Institute of Management Accountants (CIMA) • Securities & Investment Institute (SII) • Tied up with Tata McGraw-Hill to publish the “Finance Essential Series” with books on subjects such as Financial Risk Management.

Process improvement and cost reduction Financial Feasibility & Location Assessment Value Chain Analysis Segmentation Behavioral analysis Voice of Customer Surveys and Customer Satisfaction Micro-Finance Gas our values people quality integrity customers Snacks & teamwork Namkeens performance excellence Radio Taxi XLPE foam Healthcare Handicraft PP Bags .D&B Research & Advisory Capabilities & Services Policy Impact Studies Country Studies Cluster Studies Trade Analysis Expectation surveys and Forecasts Industry Company Economy Markets Textile & Fabrics Cement Real Estate & SEZ Wall Putty Thermal Insulation Financial Services Information Technology Auto Components Pharmaceuticals Biscuits and Cookies Customers Outlook Structural Analysis Competitive intensity Risk Demand Assessment Market Sizing Product Viability Market Entry Go-to-market plans Business Valuation & Growth Strategy Benchmarking.

Risk Management Solutions 12 .

RMS Products D&B D-U-N-S Number Sectoral Risk Outlook Online Trust Solutions TechnoEconomicViability Business Information Reports Exporter’s Receivable Management RMS CCAM Reports Country Risk Reports D&B Ratings Trade Exchange Program Enterprise Risk System SME Ratings our values people quality integrity customers teamwork performance excellence 13 Introduction to Dun & Bradstreet .

D&B D-U-N-S Number 14 .

Recommended. Industry and Trade Associations including: The United Nations 15 European Commission US Government International Standards Organization our values Introduction to Dun & Bradstreet people quality integrity customers teamwork performance excellence Australian Government .D-U-N-S Number  The D&B D-U-N-S® Number facilitates global recognition for businesses  A unique nine-digit identification assigned to every business in D&B’s Global Database  The global standard for authenticating businesses for online and offline transactions  Extensively used for vendor pre-qualification by Fortune 500 Companies and is also widely used to link corporate family structures together  The D&B D-U-N-S® Number plays a critical role in authenticating businesses in an E-commerce environment Recognized. and/or Required by 50 Global.

partnerships. branches and divisions. They can be assigned to single location businesses. parent companies.Target Segment & Positioning • A business entity looking for recognition through a third party agency • A business entity looking for compliance as per the standards set by several worldwide authorities as well as supply chain partners (Vendors/Dealers) • D&B D-U-N-S® Numbers can be assigned to all business entities (including sole proprietorships. our values people quality integrity customers teamwork performance excellence 16 Introduction to Dun & Bradstreet . headquarters. subsidiaries. corporations) and government bodies.

Business Information Reports 17 .

Business Information Reports • BIR is the most popular offering from D&B • It’s a third party check done by business entities on another entity before initiating any business transaction • Helps improve the customer’s understanding prospective client or supplier by providing: of a Paydex Payment 100 90 80 70 60 50 40 30 20 UN Anticipate Discount Prompt 15 days beyond terms 22 days beyond terms 30 days beyond terms 60 days beyond terms 90 days beyond terms 120 days beyond terms Unavailable – Overall profile of an entity – Financial information. • Main Target Segments: – – – – Banks Exporters Importers Any business entity who wants to do business with any entity located in a foreign country 18 BIR Basic Report Comprehensive people quality Report integrity customers teamwork performance excellence our values . branches and divisions. fire and other disasters. and details on related firms – D&B's unique PAYDEX Score and D&B Rating to help predict which payment behaviors – Some special events (such as business moves. history of business. operational information. subsidiaries. and quarterly performance) – Provides an enhanced relation ship with Bankers and Business partners – Parent company. ownership details. affiliated concerns. referenced with name and D&B D-U-N-S® Number. payment history and trends.

our values people quality integrity customers teamwork performance excellence 19 .

Continuous Monitoring Services .

Continuous Monitoring Services • Enables customers to gain complete control over their portfolio • Monitors key risk elements that can be integrated directly into customer’s systems thereby saving time and resources • Key Features: – Enables monitoring of over 50 key risk elements – Monitor changes to information on businesses based in 35 different countries – Choose from one of the three levels of notifications for each business being monitored • Illustrative list of elements that will be monitored our values people quality integrity customers teamwork performance excellence 21 .

Benefits of Continuous Monitoring System • D&B provides different levels of notifications namely • A monthly report shall be provided on the changes in the risk profile of customers. overall portfolio and country D&B shall provide • • • • 22 Constant monitoring of key customers Constant monitoring of sectoral risk Constant monitoring of overall portfolio Country risk monitoring our values people quality integrity customers teamwork performance excellence . sectors.

Target Segment & Positioning • Main Target Segments: – – – – Banks Exporters Importers Any business entity who wants to do business with any company located in foreign country our values people quality integrity customers teamwork performance excellence 23 Introduction to Dun & Bradstreet .

D&B Ratings 24 .

Manufacturing 7. Management & Related Services 6. Food and Kindred Products.Manufacturing 5.Manufacturing 4. Primary Metal Products. Fabricated Metal Products Except Machinery and Transp.Manufacturing 8. Chemical and Allied Products-Manufacturing 3. Research. Electronic and Other Electrical Equipment and Components.Manufacturing 9. Accounting. Engineering. Business Services 2.Manufacturing our values people quality integrity customers teamwork performance excellence • Business Risk Assessment • Analysis of Company’s Performance • Done research on more than 70 Sectors • Benefits – Build “Trust & Transparency” – Build Credibility among: • • • • • Employees Customers Investors Stakeholders Suppliers – Better informed decision making 25 Introduction to Dun & Bradstreet .D&B Rating Reports Top 10 Sectors for D&B Ratings • Third Party Endorsement 1. Equipment. Rubber and Miscellaneous Plastics ProductsManufacturing 10. Industrial and Commercial Machinery and Computer Equipment. Textile Mill Products.

Self Assessment Report Business Risk Assessment Third Party Endorsement Industry Insight Performance Self Assessment Report Competition • D&B’ Self Assessment Report is the most effective tool to build Credibility & Trust • Self Assessment Report offers: – – – – – Performance Assessment Third Party Endorsement (D&B is in business since 1841) Industry Insight A Bird’s-Eye View of Competition Detailed Business Risk Assessment our values people quality integrity customers teamwork performance excellence 26 .

When Would A Company Need It? When A Company has: Reasonable Exposure To International Markets Need To Raise Funds Planned For Business Process Re-engineering – Credit Cycle Reviews & Product Line Reviews Need For Recognition Among Prospective Business Partners Need To Beat Aggressive Competition Mandate On Ratings By Large Corporates & Government Associations Need To Device Strategies For New Markets our values Need for Recognition & Trust 27 people quality integrity customers teamwork performance excellence .

Supply Chain Management Solutions – Customized Credit Assessment Model (CCAM) Reports 28 .

Overview of Supply Chain Risks Vendor/Supplier Company Dealer/Distributor/Cust omer Dealer-side Risks  Non-payment leads to  Credit losses.  Opportunity cost of lost sales &  Cost identifying and setting up alternate dealership  Dealer financial deterioration could lead to loss of competitiveness in the region as the dealer becomes our a bottleneck thatvalues typically people quality goes unnoticed. integrity customers teamwork performance excellence Vendor-side Risks  Supply Disruptions: Vendor failure leading to supply disruptions  Frauds: Fraudulent or nonexistent vendor leading to payment to fictitious account  Statutory non-compliance: Vendor not paying VAT and the company claims credit for the same leading to statutory defaults Foreign Corrupt Practices Act (FCPA) compliance Key Company-wide risks  Operational disruption  Credit Losses  Loss of Business  Loss of Market Share & Competitiveness .  Higher collection costs  Dealer failure leads to  Loss of business.

Dealer/Supplier Management Needs To Grow 1 2 3 4 Costs Rise Over Time Data Quality Degrades Risk and Uncertainty Increase Supply Chain Complexity Increases • • • • Dealer/Supplier Analysis 1 to 5 Applications 10 Excel Spreadsheets 20%+ “out of date” 100s of Suppliers Dealer/Supplier Analysis 5 to 20 Applications 100 Excel Spreadsheets 40%+ “out of date” 3X+ Cost per Supplier 1000s of Suppliers Dealer/Supplier Analysis 20 to100 Applications 1000 Excel Spreadsheets 60%+ “out of date” 20X+ Cost per Supplier 100Ks of Suppliers our values people quality integrity customers teamwork performance excellence .Where is the Problem? Over Time.

A custom developed scorecard in tune with the client’s policies and internal priorities. Documentation of key information and risk elements  Database format to enable integration with internal systems. Helps streamline the risk evaluation.D&B seeks to systematically address your Supply Chain Risks Steps Purpose  Identify business critical supply chain partners that need detailed due-diligence  Develop a risk assessment framework which is pertinent to your business environment  Carrying out the duediligence of the identified dealers/vendors as per the framework agreed upon in (2)  D&B ERS will be configured as per your risk policy. ORANGE & GREEN categories  Scoring Model  Information Questionnaire Risk Assessment Report Risk Database Benefit  A cost-effective and optimized risk assessment plan of action. approval authority structure and processes  Provide predictive tools to better understand business risks  Quantify business impact of supply chain risks Outcome  Dealer/Vendor categorization into RED. monitoring and management of dealers/vendors Helps translate different risk factors into a numeric measure of business failure our values people 1 Diagnostic Study 2 Developing Risk Framework Risk Due Diligence 3 4 Setting up Risk System Completely configured risk application 5 Risk Modeling  Statistical model that helps predicting chances of dealer/supplier failure 6 Business Outcomes quality  Quantitative Business Impact  Optimized Supply Chain  Action Items integrity Assessments (QBIA) customers teamwork Contingency Plan performance excellence .

You get the most updated model to base your risk decisions. re-calibrated Probability of Default/Probability of Supplier Failure Benefit  A cost-effective and optimized risk assessment plan of action.  To maintain the predictive ability of the model and to ensure that it can distinguish between good and bad entities. industry risk scores.Ongoing Steps Steps Purpose  Identify business critical supply chain partners that need detailed due-diligence To identify new dealers/vendors and carry out a thorough assessment prior to appointment. Outcome  Dealer/Vendor categorization into RED. ORANGE & GREEN categories  Scoring Model  Information Questionnaire Model with refreshed benchmarks. 7 Monitoring 8 Dealer/ Vendor Development Model Maintenance 9 our values people quality integrity customers teamwork performance excellence . A custom developed scorecard in tune with the client’s policies and internal priorities.

Benefits • Authenticate the background of new customers/dealers before appointing them or doing business with them • Obtain a neutral assessment of the creditworthiness and business risk of each customer/dealer • Assess whether or customers/dealers not to issue a credit line to these • Frame decision rules pertaining to extending credit lines to customers/dealers based on objective criteria • Monitor credit risk of existing customers periodically to identify: – High risk accounts – Deteriorating accounts – Marginal accounts that need further control • Assess the business risks associated with the vendors and have a suitable risk mitigation plan our values 33 Introduction to Dun & Bradstreet people quality integrity customers teamwork performance excellence .

SME Ratings (NSIC) 34 .

SME Ratings • SME Rating Agency of India Limited (SMERA) is a joint initiative by SIDBI. our values people quality integrity customers teamwork performance excellence 35 Introduction to Dun & Bradstreet . • D&B helps in providing SMERA Ratings to Small Scale Industries. D&B and several leading banks in the country. • SMERA is the country's first rating agency that focuses primarily on the Indian SME segment.

allocated to their company locations and hence get global exposure. • If any third party check happens on them in future.Benefits • Any company having SSI Certificate gets subsidy from Govt. full fledged report can be prepared our values people quality integrity customers teamwork performance excellence 36 Introduction to Dun & Bradstreet . of India • Companies which get good SSI Rating gets rebates in interest from banks • Companies get D-U-N-S No.

Country Risk Reports 37 .

Economic and other Social Risks involved while doing business in that particular Country. currency etc. • The key factors covered in any Country risk report are: – Political condition – Commercial data. our values people quality integrity customers teamwork performance excellence 38 . • Contains Political.Country Reports • D&B's Country Report is a 50 page report containing critical information and analysis on the trade environment of a single Country. type of government. capital. including banking controls – Domestic and foreign policy – Trading environment and investment policy – Economic structure – Exporters' data including import regulations and documentation requirements and payment terms – Performance and outlook – Country information such as population.

• D&B Rating • D&B Rating our values people quality integrity customers teamwork performance excellence 39 .Types of Country Reports Country Reports Country Risk Line Report • Concise on a Country analysis single Country Risk Reports • Comprehensive report on a particular Country’s risk • 50 Page report • D&B Rating IRPR • Contains reports on 140 Countries.

1 billion in FY2010. EUR 80 70 60 50 40 30 20 10 0 our values people quality integrity customers teamwork performance excellence Export revenues from are estimated to cross USD 50. USD 60 50 40 30 20 10 0 INR vs. .Exchange Rate Fluctuation INR vs. and contributing 40 69% of the total IT-BPO revenues. growing by 5.4% over FY’09.

• D&B’s Country Risk Reports assists in understanding Foreign Policies. can avail these Country Reports to get a in depth knowledge about a particular Nation. which are highly critical and important in determining the exchange rates. • D&B’s Country Risk Reports gives an insight on the Political. our values people quality integrity customers teamwork performance excellence 41 . Macro and Micro Economic scenario of a particular Country and this will enable Corporates to take informed decisions. even Gilt edged securities have become un-trust worthy and highly un-reliable. • The volatility and the turmoil in the currency markets. Social. Monetary Policies. In the present business environment. • Companies looking to expand their geographical presence and explore new markets. makes it difficult to adopt or design prudent hedging methodologies.Benefits of Country Risk Report • Many Indian IT Companies generates bulk of their revenues from the North American and Western European markets. Trading Environment and other Commercial and Banking Controls of a particular Country. The major currencies of these two Continents have been highly volatile over the last two years.

Exporter’s Receivable Management Services 42 .

the probability of corresponding payment defaults also rise. • To mitigate the risk of payment defaults and enhancing recoveries of bad debts on overseas trade.Exporter’s Receivable Management Services • As the volume. • Process: – Activity I : Exporter files a debt recovery case with supporting documents and a covering letter to D&B – Activity II : D&B will provide a written receipt to the exporter quoting a Case Reference Number (CRN) – Activity III : D&B will work with partners across regions to facilitate debt recoveries – Activity IV : D&B will submit monthly reports on the status of the cases entrusted for recovery our values people quality integrity customers teamwork performance excellence 43 Introduction to Dun & Bradstreet . nature and complexity of overseas transactions rise. D&B has launched the ERM Services.

our values people quality integrity customers teamwork performance excellence 44 Introduction to Dun & Bradstreet .Features • Global Coverage: D&B’s ERM can provide global access and recovery service to its clients • Pay on Recovery: D&B will make every effort through various collection channels viz. to ensure recovery of the outstanding debts for its clients. legal notices etc. • Excellence in Service: Customer queries will be addresses by a central exclusively for this purpose. it will make the client eligible for multiple recovery requests. letters. phone calls. The clients will pay a commission only on the claim amount that has been recovered as part of the recovery process. • Minimal Documentation: The client is required to enter into a single contract with D&B. The customer will be sent periodical updates on the status of their transactions.

Techno-Economic Viability Report 45 .

 Green-field / Brown-field assessment is the answer for Banks. new companies are being floated and projects initiated by existing companies as part of related or unrelated diversification  This poses both an opportunity and a risk for potential investors due to the uncertain nature of these projects. Green-field / Brown-field assessment model that enables us to rate new projects and ones that have been in operation for a year or two  On account of the economic boom and flurry of activities in the Industrial and service sectors.TEV Study  A first of its kind. Financial Institutions and Equity Investors to carry out exhaustive credit appraisals of these projects before funding. our values people quality integrity customers teamwork performance excellence 46 Introduction to Dun & Bradstreet .

Target Segment & Positioning • Companies which are looking for expansion of existing business • Companies which are looking for diversification • Our approach is to contact banks and get information about these kind of new projects Corporate Corporates approach Banks for financing any new projects Banks Banks need to vet these projects by third party before financing D&B D&B presents a report to the banks with a D&B Rating stating whether they should finance the project or not TEV our values people quality integrity customers teamwork performance excellence 47 Introduction to Dun & Bradstreet .

Benefits • Improved Funding Prospects • Benchmark Risks Associated with Projects • Effective Marketing Tool A third party and neutral risk assessment opinion by a globally renowned institution such as D&B is vital for both the project sponsors and the funding agencies in bridging the credibility gap. our values people quality integrity customers teamwork performance excellence 48 Introduction to Dun & Bradstreet .

Inorganic. These include: • Chemicals – Organic. Asbestos etc • Foods and beverages • Transportation Equipment – Auto-components. Pesticides etc • Textiles – Apparels. Fibers etc • Metal & Metal products – Steel. Printing & paper machinery. Paints. Mining machinery. Copper. Wires. Stampings. Fertilizers. Ceramics. General purpose machinery. Motorcycles. Heavy Movers. Railroad Equipment. Fabricated Metal Products etc • Non-metallic minerals – Cement. Aluminum. Pharmaceuticals. Iron. D&B has an in-house Economic Analysis Group which carries out an extensive analysis of our values people various industries that includes tracking prevalent trends and developments 49 Introduction to Dun & Bradstreet quality integrity customers teamwork performance excellence . Concrete products. Special industry machinery. Abrasives. Elevators & Conveyors.Agri. Turbines & Engines • Electrical and electronics • Telecommunications • Trading • Retailing • Mining • Construction • IT & ITES • Real Estate • Hotel and Hospitality Additionally. Bicycles. Food & packing Machinery. Glass. Miscellaneous Transportation Equipment • Machinery .D&B’s Sectoral Experience D&B has carried out over 100. Aircraft And Parts.000 risk assessments in almost all sectors and subsectors in India.

Sectoral Risk Outlook and Industry Fin-Gauge 50 .

Demand Supply Gap Demand Drivers Import-Export Scenario Capacity Addition Price Trends Competitive Scenario Financial Risk Industry Structure Recent Developments Resource Risk Profitability Key Ratios Regulatory Risk Demand Supply Dynamics our values people quality integrity customers teamwork performance excellence 51 . • D&B Industry Fin-Gauge is an extremely useful tool for credit officers. This application draws upon over a decade long experience of D&B India in rating over 100.000 small and medium enterprises (SMEs). Contents Main Category Macro-Economic Risk Sub-Categories Growth Interest Rate Risk Foreign Exchange Risk Duty Structure Government Incentives and other measures Market Size & Growth. It underscores potential opportunities and threats prevalent in a sector.SRO & Industry Fin-Gauge • Sectoral Risk Outlook is an industry risk assessment report. portfolio managers and other professionals and researchers for analyzing the financial performance of companies in different industries. equity analysts. The report contains an industry risk score and a summary of the key risk elements affecting an industry. which reflects the effect of various factors on the business prospects and operating environment in the industry over the next 12 months.

Features of SRO • Crisp and concise 15-20 page risk report • Industry risk outlook over next 12 months • Thorough analysis of each risk parameter affecting business operating environment and investment attractiveness • Unique risk score model to rate the industry on a 8-point scale in line with Basel II accord • Any line of business however narrow can be addressed • Vital industry statistics provided that assists decision making • Unbiased research by dedicated industry specialist supplemented by D&B’s exhaustive commercial database our values people quality integrity customers teamwork performance excellence 52 Introduction to Dun & Bradstreet .

Target Customers for Standalone SRO Sale & Benefits to Customers our values people quality integrity customers teamwork performance excellence 53 Introduction to Dun & Bradstreet .

Thank You! 54 .

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