Background to Graydon

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Background to Graydon

• One of Europes Leading CRAs
• Founded 1946
• Over 60 years of experience
• 69 million Turnover 2008
• 46 - FTSE 200 choose Graydon
• No. of Employees 694

Approved endorsed by all major credit
organisations worldwide
Graydon UK's business credit ratings and credit
opinions are not influenced by its shareholders,
but are always objectively derived and serve to
provide best practice in credit risk management
for the whole of the credit community, without
favouritism to any particular industry
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Graydon Data
6 million limited unincorporated businesses
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Graydon Data
70 million companies in 140 countries
International data
Consistent Accurate
Best in Breed global sources
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Views of a Credit Risk Agency

• Single biggest problem facing CRAs today?
• Historic Information
• Companies House
• Statutory Accounts
• Registry Trust Data ie CCJs

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Information has to be relevant

• More emphasis on CRAs to produce proprietary
  data
• Payment Information
• Credit Intelligence
• Adverse debt information
• Up-to-date accounts
• Investment into new sources
• Management Accounts
• Systematic, large scale acquisition
• Immediate collection validation
• Recession tail
• Better assessment of risk

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Graydon Data Sources Continuous Investment in
Data

• Unincorporated data supply
• Thomson Directories
• Monthly feed
• Directory information

• Incorporated data supply
• Via Companies House
• Daily feed
• (Index, Financials, Directors, Document Filings
• Shareholders, Gazette, Mortgages Charges)

• Court Judgments
• Registry Trust
• Daily feed
• HCJ, CCJ for UK

• Offshore Jurisdictions
• JFSC / IOM CRO / Collect Services Ltd
• On demand
• Offshore company searches
• On demand per report

• Scoring Expertise
• Fair, Isaac
• Monthly evaluation
• Developed and evaluated score

• Incorporated Images
• Via Companies House
• On demand via gateway
• All Companies House images

• IP Society information
• FSA
• On demand
• IP annual accounts and returns
• On demand per report

• Consumer Credit Information
• Callcredit
• On demand via gateway
• Access to all UK Consumer reports

• Graydon Intelligence Networks
• Daily
• Fraud / Sector based intelligence data
• Adverse Data
• Trade References

• Insolvency Information
• Daily
• London, Edinburgh, Belfast Gazette

• Payment Information
• Daily
• Over 300 contributors Aged debt,
• trade refer/adverse/debt/claims data

• Press Information
• Daily
• Various National / Trade Press

• Fresh investigations
• On demand
• Added value record creation / limits

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GRAYDONS CREDITINTELLIGENCE NETWORK
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What is an Intelligence Network?
A group of companies/individuals dedicated to
the process of sharing intelligence information
on a common customer base, thus improving the
credit decision making process.
Graydons Intelligence Network provides members
with

• A dedicated secure information sharing platform
• Sharing data of industry relevance
• Critical Alerts
• Adverse Debt details
• Request and obtain Trade References
• Press Releases
• Industry dedicated analytical advise and expertise

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Graydon Intelligence Networks - Compliance

• Graydon complies with the Competition Act by
• Ensuring clients sign and agree to Terms and
  Conditions relating to conduct within
  Intelligence Networks
• Ensuring information-sharing either online,
  within each Network and at forum meetings comply
  with the obligations of disclosure or otherwise
  under the terms of
• The Consumer Credit Act (1974)
• The EU Data Protection Directive 95/46
• Chapter 1 of the Competition Act (1998)
• Article 81 of the Treaty of the European
  Communities
• Ensuring that decisions, agreements and practices
  do not take place that would have the effect of
  preventing, restricting or distorting competition
• Online data sharing is anonymous

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Just some of our existing Intelligence Networks
Steel
Information Technology
More than 25 UK Steel Manufacturers
Stockholders are using and sharing our data
More than 75 of the IT Distribution sector
sharing data mediated by Graydon
Petroleum
Hotels
90 of the biggest chains are members of
Graydons Hotel Network
More than 75 of the petroleum sector sharing
data mediated by Graydon
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Intelligence Network Information Sources

• Open Sources
• Companies House data
• National Press
• Trade press
• Debt recovery agents
• Company websites

• Closed Sources
• Insolvency practitioners
• Department of Trade and Industry (DTI)
• Corporate Investigations Companies
• Intelligence Network Members
• Operation Sterling
• Met Police
• Police (Economic Crime Units)
• Graydon shareholders

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Analysis Production

• Analysis
• Evaluation
• Data context
• Reliability
• Validity
• Relevance

• Production
• Integrating finished intelligence into usable
  form
• Entry into Graydon Database

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Intelligence Network services

• Online sharing of information between members
• Trade References

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Intelligence Network services

• Online sharing of information between members
• Adverse payment and debt information

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Intelligence Network services

• Industry-specific credit reports and information

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Intelligence Network services

• Daily Market Intelligence Updates posted by
  Graydon within the members area

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Intelligence Network services

• Sector Reports - regular reports produced by
  Graydon including major industry risks,
  acquisitions, sector statistics and analysis

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Intelligence Network services

• Round-table forum meetings. Graydon host meetings
  for each industry allowing members to
• Network with peers
• Discuss the latest industry news and issues
• Share credit policy best-practice
• Benchmarking
• Interact with specific industry speakers
• Contribute trading experiences

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Intelligence Network Summary
Proactively Building Maintaining Critical
Intelligence
Dedicated Sector Analysts
Updating the Graydon database with Added Value
Intelligence
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Examples of Bespoke Analysis for Intelligence
Networks
Petroleum reporting value
Write off analysis
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Questions? Existing clientsEmail us on
customerservice_at_graydon.co.ukNew
enquiriesEmail us onsales_at_graydon.co.uk