Dun & Bradstreet International Capabilities

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TABLE OF CONTENTS

INTRODUCTION ...................................................................................................................................................... 4

THE DUN & BRADSTREET DATA CLOUD ......................................................................................................... 4

DUNSRIGHT™ QUALITY PROCESS ................................................................................................................... 4

BUSINESS INFORMATION REPORT AVAILABILITY ...........................................................................................5-7

INVESTIGATION SPEED OF SERVICE ...............................................................................................................8-10

OVERALL BUSINESS RISK ..................................................................................................................................... 11

D&B RISK INDICATOR ......................................................................................................................................13-14

D&B FINANCIAL STRENGTH INDICATOR ......................................................................................................... 15

D&B MAXIMUM CREDIT ....................................................................................................................................... 16

D&B FAILURE SCORE ............................................................................................................................................. 17

D&B DELINQUENCY SCORE ................................................................................................................................ 17

D&B EMMA SCORE ............................................................................................................................................... 17

D&B COUNTRY INSIGHT SERVICES .................................................................................................................... 18

SUMMARY ............................................................................................................................................................... 20

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This guide has been designed to provide you with an in-depth overview of Dun & Bradstreet’s international capabilities – from the availability of our business information reports, to the coverage of our leading predictive indicators. Dun & Bradstreet helps customers improve business performance through the power of data and analytics – in fact 90% of the Fortune 500™ and companies of every size around the world rely on Dun & Bradstreet to help grow and protect their businesses.

The Dun & Bradstreet Data CloudThe Dun & Bradstreet Data Cloud is comprised of over 300 million business records that span across the globe delivering the world’s most comprehensive business data and insights to improve performance. The Data Cloud provides unparalleled depth and breadth of business information with each record containing thousands of attributes. It is curated from tens of thousands of sources – including both online sources and our World-Wide Network of global data partners – and is updated 5 million times per day. The Data Cloud is structured around our Live Business Identity™, which provides a unique business identifier for each entity.

DUNSRight™ Quality ProcessOur ability to turn an enormous stream of data into high quality business information is what sets us apart from our competitors. We define data quality by asking ourselves four questions:

1. Is the data accurate?2. Is the data complete?3. Is the data timely?4. Is the data globally consistent?

To answer these questions, we use a process we call DUNSRight™ to collect, aggregate, edit, and verify data from thousands of sources daily so that our customers have timely and accurate information on which to make profitable decisions for their businesses.

The foundation of DUNSRight™ is Quality Assurance which includes over 2,000 separate automated checks, plus many manual ones, to ensure that data in the Dun & Bradstreet Data Cloud meets our high-quality standards. In addition, five quality drivers work sequentially to collect and enhance data. Once the DUNSRight™ process is complete, any given entity has a Live Business Identity which is kept current through our continual monitoring of business activity.

The process to create our Live Business Identity works like this:• Global Data Collection brings together data from a variety of sources worldwide.• We apply the D-U-N-S® Number business identifier to new entities as a unique means of identifying and tracking a business globally through every step in the life and activity of the business.• We integrate the data into our Data Cloud through our patented Entity Matching, which produces a single, more accurate picture of each business.• We use Corporate Linkage to identify connections between entities, which enables our customers to view their total risk or opportunity across related businesses.• Finally, our predictive and prescriptive indicators use statistical analysis to rate a business’ past performance and to indicate how likely the business is to perform that same way in the future.

The output of this extensive process? High quality business information, available through powerful Dun & Bradstreet solutions.

Highest quality data. Continuously updated. Always at your fingertips.

Introduction

D&B International Business Information Reports

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Whether trading domestically or in overseas markets, the insight delivered via D&B Business Information Reports has helped thousands of customers successfully manage their risk and drive opportunity for decades. The key building blocks of this insight are the data sets we capture for each business.

Dun & Bradstreet’s unique, local presence in countries around the world is the only way to ensure the complete, timely and accurate collection of sensitive trading information. However, local value requires a global vision. Domestic insight requires consistency for international decision makers to decide with confidence. For this reason, data and risk conclusions within Dun & Bradstreet reports are always represented in the same logical and consistent manner – irrespective of the country within which the company is enquired upon and the variation of locally available data.

The following pages detail the global data standards, covering the speed, coverage, quality and availability of the data Dun & Bradstreet collects, stores, adds expert opinion to and distributes across the globe. This picture is as detailed and accurate as possible, allowing you to make critical business decisions with confidence.

D&B International Business Information Reports

Dun & Bradstreet’s unique, local presence in countries around the world is the only way to ensure the complete, timely and accurate collection of sensitive trading information.

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Belgium 100%

USA 84%

MEXICO 62%

CANADA 97%

UK 98%

SWITZERLAND 87%

FRANCE 98%

SPAIN 95%

PORTUGAL 94%

SENEGAL 77%

ITALY 95%

MOROCCO 88%

IRELAND 97%

NETHERLANDS 95%

GREENLAND 94%

ECUADOR 75%

COLUMBIA 94%

CHILE 87%

53% ARGENTINA

52% URUGUAY

64% BRAZIL

51% VENEZUALA

99% ROMANIA

EGYPT 62%

UAE 49%

SAUDI ARABIA 83%

INDIA 93%PAKISTAN 81%

JAPAN 96%

CHINA 73%

HONG KONG 66%

THAILAND 71%

BULGARIA 98%

KENYA 80%

SOUTH AFRICA 71%

RUSSIA 93%

NIGERIA 83%INDONESIA 80%

SINGAPORE 88%

MALAYSIA 75%

NEW ZEALAND 96%

AUSTRALIA 95%

DENMARK 91%

GERMANY 98%

NORWAY 91%

SWEDEN 93%

SOUTH KOREA 75%Belgium 100%

BUSINESS INFORMATION REPORT

IMMEDIATE AVAILIABILITY

IMMEDIATE BIR AVAILABILITY

USA 84%

MEXICO 62%

CANADA 97%

70 - 100%

50 - 69%

< 50%

UK 98%

SWITZERLAND 87%

FRANCE 98%

SPAIN 95%

PORTUGAL 94%

SENEGAL 77%

ITALY 95%

MOROCCO 88%

IRELAND 97%

NETHERLANDS 95%

GREENLAND 94%

ECUADOR 75%

COLUMBIA 94%

CHILE 87%

53% ARGENTINA

52% URUGUAY

64% BRAZIL

51% VENEZUALA

99% ROMANIA

EGYPT 62%

UAE 49%

SAUDI ARABIA 83%

INDIA 93%PAKISTAN 81%

JAPAN 96%

CHINA 73%

HONG KONG 66%

THAILAND 71%

BULGARIA 98%

KENYA 80%

SOUTH AFRICA 71%

RUSSIA 93%

NIGERIA 83%INDONESIA 80%

SINGAPORE 88%

MALAYSIA 75%

NEW ZEALAND 96%

AUSTRALIA 95%

DENMARK 91%

GERMANY 98%

NORWAY 91%

SWEDEN 93%

SOUTH KOREA 75%

BUSINESS INFORMATION REPORT IMMEDIATE AVAILABILITY

Reacting to customer demands is a sign of second best, anticipating them is first class. D&B focuses resource and effort to collect and interpret data on the companies our customers need right now. The percentage of requests for reports which are answered instantly indicates D&B’s ability to collect, interpret and hold data on the companies in the countries our customers want to do business with.

The map above provides an indication of how likely D&B are to provide our customers with an immediately available report in a particular country.

Dun & Bradstreet Investigation Speed of Service

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When Dun & Bradstreet do not have a company report on file we are able to offer an investigation. D&B always aims to fulfil requests as fast as possible because we are aware that our customers need data quickly to base business decisions on. Speed of service is dictated by two major factors:

- The service level requested for the investigation (routine or urgent)

- The region in which the company that data is requested for is located

D&B’s investigation capability is tuned to the resource and infrastructure in a particular market. In some markets we are able to collect data from the local registry. In many markets these central registries do not exist so the D&B correspondent will conduct an interview directly with the company to gather as much meaningful, objective information as possible.

Investigation requests can be tracked via the D&B Credit product line.

Investigation requests on businesses in most Western European economies are usually processed within 4-5 working days for routine service. Priority service requests are usually delivered within 48 hours.

For countries in regions such as Africa or Latin America it will take longer to complete the investigation due to the local conditions for obtaining business information.

Please note, on some occasions D&B will be unable to collect or verify certain key data elements, including some that confirm that an organisation exists or is still trading, in which case an “Undetermined” or “–” Risk Indicator may be assigned. Another reason this indicator may be assigned is when D&B learns of an event that has not yet been published through the official channels but will affect the risk assessment for an organisation. For example a business may advise they have ceased trading but not have filed the appropriate documents yet.

Therefore, when an organisation is assigned an Undetermined or “–” rating we recommend that our customers should seek strong guarantees and conduct further analysis and investigation before making a credit decision. Contact D&B to understand the reason for the dash rating and why it was assigned, and use that insight to influence your decision.

Please refer to the Speed of Service chart below for a more detailed indication of average turnaround times by country.

Speed of service is dictated by two major factors:The service level requested for the investigation (routine or urgent) and the region in which the company that data is requested for is located.”

Investigation Speed of Service

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Please see the below table for a detailed indication of average investigation turnaround times by country.

SPEED OF SERVICE

ARGENTINA 5 DAYS GERMANY 3 DAYS MALAYSIA 5 DAYS SINGAPORE 7 DAYS

AUSTRALIA 5 - 7 DAYS GHANA 6 - 10 DAYS MEXICO 5 DAYS SOUTH AFRICA 5 DAYS

BELGIUM 3 DAYS GREENLAND 3 DAYS MOROCCO 10 DAYS SOUTH KOREA 7 DAYS

BRAZIL 5 DAYS HONG KONG 7 DAYS NEW ZEALAND 5 - 7 DAYS SPAIN 3 DAYS

BULGARIA 4 DAYS INDIA 7 DAYS NIGERIA 6 - 10 DAYS SWEDEN 3 DAYS

CANADA 7 - 10 DAYS INDONESIA 5 - 7 DAYS PAKISTAN 10 DAYS SWITZERLAND 3 DAYS

CHILE 5 DAYS IRELAND 3 - 5 DAYS PORTUGAL 3 DAYS THAILAND 5 DAYS

CHINA 5 DAYS ISRAEL 7 DAYS ROMANIA 4 DAYS THE NETHERLANDS 3 DAYS

DENMARK 3 DAYS ITALY 5 DAYS RUSSIA 4 DAYS UK 3 -5 DAYS

EGYPT 6 - 10 DAYS JAPAN 5 DAYS SAUDI ARABIA 6 - 10 DAYS URUGUAY 5 DAYS

FRANCE 2 DAYS KENYA 6 - 10 DAYS SENEGAL 6 - 10 DAYS USA 5 - 7 DAYS

INVESTIGATION SPEED OF SERVICE

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Overall Business Risk

Dun & Bradstreet delivers an Overall Business Risk in our D&B Credit solution that uses the best available scores, ratings, and indices to provide a high-level assessment for each company. The overarching Low- to High-Risk Levels are based on the combination of individual risk levels for scores, ratings, and indices that have been assessed for the specific company. Whilst each market globally will have their own risk scores and ratings, the Overall Business Risk uses data that is available locally to create a globally consistent view that can be used to compare businesses in different countries to one another. Scores, ratings, and indices that give a perspective on business discontinuation or failure:- Failure Score- Portfolio Comparison from the Viability Rating- Risk Indicator from the D&B Rating Scores, ratings, and indices that give a perspective on payment behaviour:- Delinquency Score- PAYDEX®- Triple-A Rating- 1-2 Trade Experiences- Financial Strength from the D&B Rating

Dun & Bradstreet delivers an Overall Business Risk in our D&B Credit solution that uses the best available scores, ratings, and indices to provide a high-level assessment for each company.

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AFRICA ASIA PACIFIC EUROPE MIDDLE EAST LATIN AMERICA NOR. AMERICA

REUNION ISLAND AUSTRALIA ALBANIA LITHUANIA ABU DHABI ANGUILLA MONTSERRAT CANADA

BANGLADESH ANDORRA LUXEMBOURG ANTIGUA AND BARBUDA NETHERLANDS ANTILLES GREENLAND

BHUTAN ARMENIA MACAO ARGENTINA NICARAGUA UNITED STATES

BRUNEI AUSTRIA MACEDONIA ARUBA PANAMA

CHINA AZERBAIJAN MALTA BAHAMAS PARAGUAY

HONG KONG BELARUS MOLDOVA BARBADOS PUERTO RICO

INDIA BELGIUM MONACO BELIZE SAINT KITTS & NEVIS

INDONESIA BOSNIA AND HERZEGOVINA MONTENEGRO BERMUDA SAINT LUCIA

JAPAN BULGARIA NETHERLANDS BOLIVIA SAINT VINCENT AND THE GRENADINES

KOREA, REPUBLIC OF CROATIA NORWAY BONAIRE SURINAME

MALAYSIA CYPRUS POLAND BRAZIL TRINIDAD AND TOBAGO

MALDIVES CZECH REPUBLIC PORTUGAL VIRGIN ISLANDS, BRITISH TURKS AND CAICOS ISLANDS

MYANMAR DENMARK ROMANIA CAYMAN ISLANDS URUGUAY

NEPAL ESTONIA RUSSIAN FEDERATION COLOMBIA VENEZUELA

NEW ZEALAND FAROE ISLANDS SAN MARINO COSTA RICA VIRGIN ISLANDS, U.S.

PAKISTAN FINLAND SERBIA DOMINICA

PHILIPPINES FRANCE SLOVAKIA DOMINICAN REPUBLIC

SINGAPORE GEORGIA SLOVENIA ECUADOR

SRI LANKA GERMANY SPAIN EL SALVADOR

TAIWAN GIBRALTAR SWEDEN FRENCH GUIANA

THAILAND GREECE SWITZERLAND GRENADA

VIETNAM HUNGARY TAJIKISTAN GUADELOUPE

ICELAND TURKEY GUATEMALA

IRELAND TURKISH CYPRUS GUYANA

ITALY TURKMENISTAN HAITI

KAZAKHSTAN UKRAINE HONDURAS

KYRGYZSTAN UNITED KINGDOM JAMAICA

LATVIA UZBEKISTAN MARTINIQUE

LICHTENSTEIN MEXICO

OVERALL BUSINESS RISK TABLE

The table below shows the countries in which D&B are able to provide Overall Business Risk

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The D&B Risk Indicator is delivered on all International Business Reports and reflects D&B’s opinion of the risk associated with trading with a specific business – notably the likelihood of business continuance or failure over the next 12 months. Created from the synergy of scoring technology and expert rules, the Risk Indicator is dynamically refreshed whenever predictive data is loaded into the D&B database.

The risk indicator is generally displayed as a “–” or 1-4 Rating, indicating the probability of failure.

AAA Rating for Denmark, Finland, Norway and SwedenA separate rating system is presented on Business Information Reports from Scandinavian countries. The “Triple A” system is highly predictive and uses the same guiding principles as the D&B Risk Indicator. The AAA system assimilates financial strength and risk indicators into an alphabetic-only rating presentation. Comparing the “Triple A” Rating to the D&B Risk Indicator is simple. An explanation of the rating codes is shown below.

D&B Risk Indicator

Triple A Rating Guide to Interpretation Equivalent D&B Risk Indicator

AAA Highest credit worthiness 1

AA Good credit worthiness 2

A Credit Worthy 3

AN Newly formed 3

B Credit risk 4

C High credit risk 4

-- Rating not determined – essential information is unavailable or under review.

--

Risk Indicator Probability of Failure Guide to Interpretation

1 Minimum risk Proceed with transaction - offer extended terms if required.

2 Lower than average risk Proceed with transaction.

3 Higher than average risk Proceed with transaction but monitor closely.

4 High Risk Take suitable assurances before extending credit - e.g. personal guarantees.

-- Undetermined Insufficient information to assign a risk indicator - e.g. no information available to indicate trading or further investigation required. Conduct further analysis and seek strong guarantees before extending credit.

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The table below shows the countries in which D&B are able to provide a Risk Indicator.

AFRICA ASIA PACIFIC EUROPE MIDDLE EAST LATIN AMERICA NORTH AMERICA

ALGERIA AMERICAN SAMOA ALBANIA BAHRAIN ANTIGUA & BARBUDA CANADA

ANGOLA AUSTRALIA ANDORRA IRAN ARGENTINA USA

ASCENSION ISLANDS BANGLADESH ARMENIA IRAQ ARUBA

BENIN BHUTAN AUSTRIA ISRAEL BAHAMAS

BOTSWANA BRUNEI AZERBAIJAN JORDAN BARBADOS

BURKINA FASO CHINA BELARUS KUWAIT BELIZE

BURUNDI CHRISTMAS ISLANDS BELGIUM LEBANON BERMUDA

CAMEROON COOK ISLANDS BOSNIA-HERZEGOVINA OMAN BOLIVIA

CAPE VERDE FIJI BULGARIA QATAR BONAIRE

CENTRAL AFRICAN REP HONG KONG CROATIA SAUDI ARABIA BRAZIL

CHAD INDIA CYPRUS SYRIA CAYMAN ISLANDS

COMOROS INDONESIA CZECH REPUBLIC UNITED ARAB EMIRATES CHILE

CONGO JAPAN DENMARK COLOMBIA

CONGO DEMOCRATIC REP KOREA REP OF ESTONIA COSTA RICA

DJIBOUTI MALAYSIA FINLAND CURACAO

EGYPT MALDIVES FRANCE DOMINICA

EQUATORIAL GUINEA MARSHALL ISLANDS GEORGIA DOMINICAN REPUBLIC

ERITREA MIDWAY ISLANDS GERMANY ECUADOR

ETHIOPIA MYANMAR (BURMA) GIBRALTAR EL SALVADOR

GABON NAURU GREECE FALKLAND ISLANDS

GAMBIA NEPAL HUNGARY GRENADA

GHANA NEW HEBRIDES ICELAND GUATEMALA

GUINEA NEW ZEALAND IRELAND GUYANA

GUINEA BISSAU NORFOLK ISLANDS ITALY HAITI

IVORY COAST PAKISTAN KAZAKHSTAN HONDURAS

KENYA PAPUA NEW GUINEA KYRGZSTAN JAMAICA

LIBERIA PHILIPPINES LATVIA MEXICO

LIBYA SINGAPORE LITHUANIA MONTSERRAT

MADAGASCAR SRI LANKA LUXEMBOURG NETHERLANDS ANTILLES

MALAWI TAIWAN MACEDONIA NICARAGUA

MALI THAILAND MALTA PANAMA

MAURITANIA TONGA MOLDOVA PARAGUAY

MAURITIUS VIETNAM MONACO PERU

MOROCCO MONTENEGRO ST KITTS-NEVIS

MOZAMBIQUE NETHERLANDS ST LUCIA

NAMIBIA NORWAY ST VINCENT

NIGERIA POLAND SURINAME

RWANDA PORTUGAL TRINIDAD & TOBAGO

SAO TOME & PRINCIPE ROMANIA TURKS & CAICOSIS

SENEGAL RUSSIAN FEDERATION URUGUAY

SEYCHELLES SAN MARINO VENEZUELA

SIERRA LEONE SERBIA VIRGIN ISLANDS UK

SOMALIA SLOVAKIA YEMEN

SOUTH AFRICA SLOVENIA

ST HELENA SPAIN

SUDAN SWEDEN

SWAZILAND SWITZERLAND

TANZANIA TAJIKISTAN

TOGO TURKEY

TUNISIA TURKISH REP N CYPRUS

UGANDA TURKMENISTAN

ZAMBIA UKRAINE

ZIMBABWE UNITED KINGDOM

UZBEKISTAN

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AFRICA ASIA EUROPE MIDDLE EAST LATIN AMERICA NOR. AMERICA

EGYPT AMERICAN SAMOA NAURU ANDORRA MOLDOVA BAHRAIN ANGUILLA GUYANA CANADA

MAURITIUS AUSTRALIA NEW HEBRIDES AUSTRIA MONACO IRAN ANTIGUA & BARBUDA HAITI USA

SOMALIA BANGLADESH NEW ZEALAND BELGIUM MONTENEGRO IRAQ ARGENTINA HONDURAS

SOUTH AFRICA CHINA NORFOLK ISLANDS CYPRUS NETHERLANDS ISRAEL ARUBA JAMAICA

ZIMBABWE CHRISTMAS ISLANDS PAKISTAN CZECH REPUBLIC POLAND JORDAN BAHAMAS MEXICO

COOK ISLANDS PAPUA NEW GUINEA FRANCE PORTUGAL KUWAIT BARBADOS MONTSERRAT

FIJI SINGAPORE GEORGIA ROMANIA LEBANON BELIZE NETH. ANTILLES

HONG KONG SRI LANKA GERMANY RUSSIAN FEDERATION OMAN BERMUDA NICARAGUA

INDIA TAIWAN GIBRALTER SERBIA QATAR BOLIVIA PANAMA

INDONESIA THAILAND GREECE SLOVAKIA SAUDI ARABIA BRAZIL PARAGUAY

KOREA REP OF TONGA HUNGARY SPAIN SYRIA CAYMAN ISLANDS PERU

JAPAN ICELAND SWITZERLAND UN. ARAB EMIRATES CHILE ST LUCIA

MALAYSIA IRELAND TAJIKISTAN YEMEN COLOMBIA ST VINCENT

MALDIVES ITALY TURKEY COSTA RICA SURINAME

MARSHALL ISLANDS KAZAKHSTAN TURKMENISTAN DOMINICA TRINIDAD & TOBAGO

MIDWAY ISLANDS KYRGYZSTAN UKRAINE DOMINICAN REPUBLIC TURKS & CAICOSIS

LATVIA UNITED KINGDOM ECUADOR URUGUAY

LUXEMBOURG EL SALVADOR VENEZUELA

MACEDONIA GRENADA VIRGIN ISLANDS UK

MALTA GUATEMALA

MOLDOVA

D&B Financial Strength Indicator

The D&B Financial Strength Indicator is determined by the latest Tangible Net Worth and provides an indication of the strength behind the business to cope with adverse trading periods or exploit investment opportunities.

The table below shows the countries in which D&B are able to provide a D&B Financial Strength Indicator.

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D&B Maximum CreditD&B’s Maximum Credit shows the total value of goods and / or services the “average” creditor should have outstanding at any one time. In the Business Information Reports this is summarised as the maximum amount on monthly open credit terms. It is not necessarily the maximum the organisation could afford.

It is calculated using:

- Organisation Size – Based on financial information including Turnover and Total Assets when available or demographic information such as the number of employees.

- Industry – Based on the Standard Industrial Classification (SIC) code.

- Risk Factor – Banded segments of the Failure Score linked to the risk of failure.

The table below shows the countries in which D&B are able to provide a Maximum Credit recommendation.

EUROPE AFRICA LATIN AMERICA NORTH AMERICA

HUNGARY PORTUGAL REUNION ISLAND MARTINIQUE USA

ICELAND ROMANIA USA

IRELAND RUSSIAN FEDERATION VIRGIN ISLANDS

ITALY SAN MARINO

KAZAKHSTAN SERBIA

KYRGYZSTAN SLOVAKIA

LATVIA SLOVENIA

LICHTENSTEIN SPAIN

LITHUANIA SVALBARD AND JAN MAYEN

LUXEMBOURG SWEDEN

MACEDONIA SWITZERLAND

MALTA TAJIKISTAN

MOLDOVA TURKEY

MONACO TURKISH CYPRUS

MONTENEGRO TURKMENISTAN

NETHERLANDS UKRAINE

NORWAY UNITED KINGDOM

POLAND UZBEKISTAN

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D&B Failure ScoreThe Failure Score predicts the likelihood that the company will seek legal relief from creditors in the next year or cease operations and leave creditors on the hook. The score is based on a company’s business history, payment habits, and industry norms. On a scale of 1 to 100, higher scores indicate a lower probability of failure. D&B also provides a bulleted list outlining the conditions used to determine the score. This is a helpful spot to learn if there are any outstanding charges or slow payment experiences reported.

The Failure Score makes risks visible, enabling you to reduce your bad debt and identify profitable opportunities – it also improves objectivity and consistency.

The table below shows the countries in which D&B are able to provide a Failure Score.

ASIA PACIFIC EUROPE NORTH AMERICA

AUSTRALIA AUSTRIA HUNGARY POLAND SWEDEN CANADA

HONG KONG BELGIUM IRELAND PORTUGAL SWITZERLAND USA

JAPAN CZECH REPUBLIC ITALY SLOVAKIA UNITED KINGDOM

NEW ZEALAND DENMARK LUXEMBOURG SLOVENIA

TAIWAN FRANCE NETHERLANDS SPAIN

THAILAND GERMANY NORWAY SWEDEN

D&B Delinquency ScoreThe Delinquency Score looks at the next 12 months and rates the business on the likelihood of it making severely delinquent payments, seeking legal relief from creditors, or ceasing operations without paying creditors. This score is concerned only with invoice payments. It’s calculated using such variables as available trade data, firmographic data, public records, and available financial data. A severely delinquent firm is defined as a business that has paid less than 75% of Trade Experiences within terms and more than 10% paid 90+ days late.

The table below shows the countries in which D&B are able to provide a Delinquency Score.

ASIA PACIFIC EUROPE NORTH AMERICA

AUSTRALIA GREECE ITALY CANADA

NEW ZEALAND SPAIN UNITED KINGDOM USA

D&B Emma Score

Some smaller or emerging markets may not have the coverage of trade behavior and actual bankruptcy information to enable development of a standard Delinquency or Failure score.

For such markets, D&B have developed The D&B Emerging Market Mediation Alert Score (EMMA).

Business data quality in an emerging market is significantly influenced by the rapid changes that the country experiences as it develops. The definition of the EMMA Score is defined by the availability and richness of data in a country’s database and how business risk is defined in that country.

For example:

- EMMA may predict risk from data other than bankruptcy such as, significant negative news events, poor site condition, poor financials, catastrophic events and/or significant decrease in shareholders.

- EMMA may predict business unreliability from a supply-chain perspective, using data such as late shipments or stale inventory.

The D&B EMMA is a score between 1 and 10 where 1 is the lowest measure of risk and 10 is the highest measure of risk.

It is a country-specific, statistically based score that predicts the likelihood of a business in an emerging market to be problematic in paying its debts within 12 months from observation, and eventually going out-of-business.

The D&B EMMA score is available on reports from the following markets:

ROMANIA TURKEY CHINA MEXICO

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Expert Country IntelligenceD&B Country Insight Services provide you with the information, insight and expert recommendations you can trust to successfully identify opportunities and mitigate risks whilst doing business across the globe.

Our team of experts deliver analysis and forward looking insight covering sovereign, political, economic factors and business trading conditions in order to equip you with commercially relevant intelligence to help you to deliver a competitive advantage.

Whether you are involved in supply chain management, foreign trade, financial risk management or meeting your regulatory requirements, D&B’s Country Insight team’s analysis and insight allows you to confidently evaluate all the risks and identify opportunities.

By taking into account many sources of information (including D&B’s own database of over 240+ million company records), D&B can deliver predictive analysis and strategic assessment of a country’s overall business environment to meet your organisation’s needs.

We deliver our insight through a range of solutions, from one off reports through to our bespoke enterprise solutions, that integrate D&B’s extensive expertise in commercial risk and country insight with your own data and information to gain powerful business insight.

D&B Country Risk IndicatorD&B’s Country Risk Indicator provides a comparative, cross-border assessment of the risk of doing business in a country.

The D&B risk indicator is divided into seven bands, ranging from DB1 through DB7. Each band is subdivided into quartiles (a-d), with an “a” rating representing slightly less risk than a “b” rating and so on. Only the DB7 indicator is not divided into quartiles.

Indicator Meaning Explanation

DB1 Lowest Risk Lowest degree of uncertainty associated with expected returns, such as export payments, and foreign debt and equity servicing.

DB2 Low Risk Low degree of uncertainty associated with expected returns. However, countrywide factors may result in higher volatility of returns at a future date.

DB3 Slight Risk Enough uncertainty over expected returns to warrant close monitoring of country risk. Customers should actively manage their risk exposures.

DB4 Moderate Risk Significant uncertainty over expected returns. Risk-averse customers are advised to protect against potential losses.

DB5 High Risk Considerable uncertainty associated with expected returns. Businesses are advised to limit their exposure and/or select high-return transactions only.

DB6 Very High Risk Expected returns subject to large degree of volatility. A very high expected return is required to compensate for the additional risk or the cost of hedging such risk.

DB7 Highest Risk Returns are almost impossible to predict with any accuracy. Businessinfrastructure has, in effect, broken down.

D&B Country Insight Services

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REPORTS INTEGRATED SOLUTIONS DATA

Country Insight Snapshot (CIS) Country Insight Report (CIR) Integrated & Modular Solutions Data-Only Solutions

Product Summary

High-level view of a single coun-try’s risk profile focusing on po-litical; commercial; and economic environments

In-depth analysis of a single country’s risks and opportunities in relation to the national; regional; and global business environment

Integrated country; company; customer data and reports to provide customers with a unified view of customer/supplier portfolio risk and opportunity

High-level and granular scoring; forecasting; and source data for all countries

Use Case Evaluation of operational envi-ronments; monitoring fluctua-tions in exchange rates; assessing payment term changes

Comprehensive risk mitigation for strategic investment planning; financial risk analysis; supply chain management; market prospecting

Integrated solutions provide the information and tools to monitor and grow customer/supplier relationships

Enrichment of customer in-house data and CRM/ERP systems with D&B country scores

Level of Coverage

Country Country, Regional, & Global Global Global

Delivery Platforms

D&B Credit; D&B Credit Reporter; DBAI; DBIA; MyDNB.com; DNBi; dnbcountryrisk.com; eRAM

Customer-hosted Enterprise Solution

Portfolio Manager; Supplier Portfolio Manager; Supplier Risk Manager; D&B Credit; D&B Credit Reporter

Batch file via FTP

COUNTRY INSIGHT PRODUCT FEATURES TABLE

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It is our sole mission to help customers improve their business performance, and with our data, insights, and solutions, they are able to see real, tangible success. Our Data Cloud, and the solutions it powers, clear a path to achieve success across every business operation, from sales to sourcing, as well as aligning data across an entire business. With access to our data and insights integrated into your business, you too can power your organisation with trusted data and powerful analytics, resulting in revenue acceleration, cost reduction, risk avoidance, and overall business transformation

To learn more about D&B’s international reports and capabilities, call (0800) 001234 or visit www.dnb.co.uk.

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• Increase marketing ROI• Improve close rates• Interact consistently across customer journey• Boost qualified leads

Manage Risk

• Improve decision making• Protect company reputation• Avoid costly compliance penalties• Ensure suppliers are ethical and compliant

Transform Business

• Accelerate digital transformation• Create trusted view of key relationships• Unify data across departments

Reduce Cost

• Automate credit decisions• Optimize cash flow• Lower cost of sales• Improve operating efficiency

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Dun & Bradstreet (NYSE: DNB) helps companies around the world improve their business performance. The global leader in commercial data and analytics, we glean insight from data to enable our customers to connect with the prospects, suppliers, clients and partners that matter most. Since 1841, companies of every size rely on Dun & Bradstreet to help them manage risk and reveal opportunity. For more about Dun & Bradstreet, visit DNB.co.uk. In the UK, Dun & Bradstreet Ltd is certified to ISO 27001 and is authorised & regulated by the Financial Conduct Authority in relation to providing credit references on non-limited companies. © Dun & Bradstreet, Inc. 2018. All rights reserved. (CREATIVEUX-603 5/18)

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