Collaterals - Corporate Business Overview

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
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Exporters Receivable Management Service

Techno-Economic Viability
our values people quality integrity customers teamwork performance excellence
About Dun & Bradstreet
About Dun & Bradstreet
Worlds 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 worlds 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 worlds most reliable business information provider
About Dun & Bradstreet India
About Us
Indias 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 Indias first Credit Bureau, Credit Information Bureau (India) Ltd with Trans Union, SBI, and HDFC; and public/private sector banks; Set up Indias 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. .
Strategic Business Units
Enable Banks, Financial Institutions and Businesses to make more confident decisions, minimize risk, accelerate cash flow and monitor performance Sales & Marketing Solutions leverage on D&Bs data to offer integrated solutions to size and segment markets, identify new prospects and reach out to customers and prospects. Clients rely on D&Bs Economic Analysis and Research to gain insight into industries, markets and economies globally through its suite of publications, sector reports & custom research solutions.
Comprehensive range of education and training solutions to help Banks, 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, Economic, Sector and Financial Research to people provide customized research solutions and consulting qualityits clients. to integrity
customers teamwork performance excellence
D&B Risk Management Offerings
BIR Basic business information report Continuous Monitoring Services
Comprehensive Reports Detailed business, industry and financial risk profiling and assessment
CCAM Customized risk model and due-diligence carried out for banks & corporates for their supply chain partners.
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. FinGauge SME focused financial benchmarks covering 250+ industries & 20 key financial ratios covered D&B DUNS Registered
Exporters Receivable Management To assist Indian exporters in the recovery of their export receivables.
Key customers include banks, financial institutions, Export Credit Guarantee Corporation of India, exporters, importers , corporates, small and medium enterprises etc
Sales & Marketing Capabilities & Services

Data Rationalization
Rationalize the customers existing database by using patented tools to cleanse & de-duplicate customer data. Valuable information such as DUNS number, contact details, financials and other firmographic information can be appended
Data Maintenance
Maintains databases for clients on a Retainer basis, 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&Bs Predict Science & Analytics (PSAC) team provides high end solutions which can help you size your market, analyze your customer base, 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, additional D&B records and Net Worth, Capital carry out mailing activities such Employed, Rankings, Line as personalizing, stuffing, Of Business, Geography, labeling & dispatching. This can Employee Size, PC count, be followed by a lead etc. and build customized generation exercise through our values information via primary tele-marketing people tele-research quality
integrity customers teamwork performance excellence
D&Bs 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
Indias Top 500 Companies Indias Top IT Companies Indias Top ITeS and BPO Companies Emerging SMEs of India series Indias Infrastructure Companies Indias Top Banks Indias Leading Equity Broking Houses
D&B Learning Capabilities & Solutions

Open Programs - Workshops, seminars and conferences in the financial services space 250+ programs/3500+ participants Customized Programs - Tailor made training programs through class room sessions 1300+ training days in FY06-09. 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, Foreign Exchange Markets, 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
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, 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
Risk Management Solutions
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RMS Products
D&B D-U-N-S Number
Sectoral Risk Outlook
Online Trust Solutions
TechnoEconomicViability
Business Information Reports
Exporters Receivable Management
RMS
CCAM Reports
Country Risk Reports
D&B Ratings
Trade Exchange Program
Enterprise Risk System SME Ratings
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D&B D-U-N-S Number
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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&Bs 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, Recommended, and/or Required by 50 Global, Industry and Trade Associations including:
The United Nations 15
European Commission
US Government
International Standards Organization
our values
people quality integrity customers teamwork performance excellence
Australian Government
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, partnerships, corporations) and government bodies. They can be assigned to single location businesses, parent companies, subsidiaries, headquarters, branches and divisions.
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BIR is the most popular offering from D&B Its a third party check done by business entities on another entity before initiating any business transaction Helps improve the customers understanding prospective client or supplier by providing: of a Paydex Payment
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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, payment history and trends, history of business, ownership details, operational information, 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, fire and other disasters, and quarterly performance) Provides an enhanced relation ship with Bankers and Business partners Parent company, affiliated concerns, subsidiaries, branches and divisions, referenced with name and D&B D-U-N-S Number.
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

our values
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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 customers 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
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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, sectors, overall portfolio and country D&B shall provide
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Constant monitoring of key customers Constant monitoring of sectoral risk Constant monitoring of overall portfolio Country risk monitoring
Main Target Segments:

Banks Exporters Importers Any business entity who wants to do business with any company located in foreign country
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D&B Ratings
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D&B Rating Reports

Top 10 Sectors for D&B Ratings
Third Party Endorsement
1. Business Services 2. Chemical and Allied Products-Manufacturing 3. Industrial and Commercial Machinery and Computer Equipment- Manufacturing 4. Electronic and Other Electrical Equipment and Components- Manufacturing 5. Engineering, Accounting, Research, Management & Related Services 6. Fabricated Metal Products Except Machinery and Transp. Equipment- Manufacturing 7. Primary Metal Products- Manufacturing 8. Textile Mill Products- Manufacturing 9. Rubber and Miscellaneous Plastics ProductsManufacturing 10. Food and Kindred Products- Manufacturing
Business Risk Assessment

Analysis of Companys Performance Done research on more than 70 Sectors Benefits
Build Trust & Transparency Build Credibility among:
Employees Customers Investors Stakeholders Suppliers
Better informed decision making
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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 Birds-Eye View of Competition Detailed Business Risk Assessment
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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

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Supply Chain Management Solutions Customized Credit Assessment Model

(CCAM) Reports
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Overview of Supply Chain Risks
Vendor/Supplier
Company
Dealer/Distributor/Cust omer Dealer-side Risks Non-payment leads to Credit losses, Higher collection costs Dealer failure leads to Loss of business, 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
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
Where is the Problem? Over Time, Dealer/Supplier Management Needs To Grow
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
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, 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, ORANGE & GREEN categories Scoring Model Information Questionnaire Risk Assessment Report Risk Database
Benefit A cost-effective and optimized risk assessment plan of action. A custom developed scorecard in tune with the clients policies and internal priorities. Documentation of key information and risk elements Database format to enable integration with internal systems. Helps streamline the risk evaluation, monitoring and management of dealers/vendors Helps translate different risk factors into a numeric measure of business failure
our values people
Diagnostic Study
Developing Risk Framework Risk Due Diligence
Setting up Risk System
Completely configured risk application
Risk Modeling
Statistical model that helps predicting chances of dealer/supplier failure
Business Outcomes
quality Quantitative Business Impact Optimized Supply Chain Action Items integrity Assessments (QBIA) customers teamwork Contingency Plan performance excellence
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. To maintain the predictive ability of the model and to ensure that it can distinguish between good and bad entities.
Outcome Dealer/Vendor categorization into RED, ORANGE & GREEN categories Scoring Model Information Questionnaire Model with refreshed benchmarks, industry risk scores, re-calibrated Probability of Default/Probability of Supplier Failure
Benefit A cost-effective and optimized risk assessment plan of action. A custom developed scorecard in tune with the clients policies and internal priorities. You get the most updated model to base your risk decisions.
Monitoring
Dealer/ Vendor Development Model Maintenance
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
SME Ratings (NSIC)
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SME Ratings
SME Rating Agency of India Limited (SMERA) is a joint initiative by SIDBI, 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. D&B helps in providing SMERA Ratings to Small Scale Industries.
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Benefits
Any company having SSI Certificate gets subsidy from Govt. of India Companies which get good SSI Rating gets rebates in interest from banks Companies get D-U-N-S No. allocated to their company locations and hence get global exposure. If any third party check happens on them in future, full fledged report can be prepared
36
Country Risk Reports
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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.
Contains Political, Economic and other Social Risks involved while doing business in that particular
Country. The key factors covered in any Country risk report are:
Political condition Commercial data, 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, capital, type of government, currency etc.
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Types of Country Reports
Country Reports
Country Risk Line Report Concise on a Country analysis single
Country Risk Reports Comprehensive report on a particular Countrys risk 50 Page report D&B Rating
IRPR Contains reports on 140 Countries. D&B Rating
D&B Rating
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Exchange Rate Fluctuation

INR vs. USD
60 50 40 30 20 10 0
INR vs. EUR

80 70 60 50 40 30 20 10 0
Export revenues from are estimated to cross USD 50.1 billion in FY2010, growing by 5.4% over FY09, and contributing 40 69% of the total IT-BPO revenues.
Benefits of Country Risk Report
Many Indian IT Companies generates bulk of their revenues from the North American and Western European markets. The major currencies of these two Continents have been highly volatile over the last two years. The volatility and the turmoil in the currency markets, makes it difficult to adopt or design prudent hedging methodologies. D&Bs Country Risk Reports gives an insight on the Political, Social, Macro and Micro Economic scenario of a particular Country and this will enable Corporates to take informed decisions. Companies looking to expand their geographical presence and explore new markets, can avail these Country Reports to get a in depth knowledge about a particular Nation. In the present business environment, even Gilt edged securities have become un-trust worthy and highly un-reliable. D&Bs Country Risk Reports assists in understanding Foreign Policies, Monetary Policies, Trading Environment and other Commercial and Banking Controls of a particular Country, which are highly critical and important in determining the exchange rates.
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Exporters Receivable Management Services
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Exporters Receivable Management Services

As the volume, nature and complexity of overseas transactions rise, the probability of corresponding payment defaults also rise. To mitigate the risk of payment defaults and enhancing recoveries of bad debts on overseas trade, D&B has launched the ERM Services. 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
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Features
Global Coverage: D&Bs 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. letters, phone calls, legal notices etc. to ensure recovery of the outstanding debts for its clients. 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; it will make the client eligible for multiple recovery requests. Excellence in Service: Customer queries will be addresses by a central exclusively for this purpose. The customer will be sent periodical updates on the status of their transactions.
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Techno-Economic Viability Report
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TEV Study
A first of its kind, 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, 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 is the answer for Banks, Financial Institutions and Equity Investors to carry out exhaustive credit appraisals of these projects before funding.
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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
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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.
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D&Bs Sectoral Experience

D&B has carried out over 100,000 risk assessments in almost all sectors and subsectors in India. These include: Chemicals Organic, Inorganic, Pharmaceuticals, Paints, Fertilizers, Pesticides etc Textiles Apparels, Fibers etc Metal & Metal products Steel, Iron, Aluminum, Copper, Wires, Stampings, Fabricated Metal Products etc Non-metallic minerals Cement, Glass, Ceramics, Concrete products, Abrasives, Asbestos etc Foods and beverages Transportation Equipment Auto-components, Railroad Equipment, Motorcycles, Bicycles, Aircraft And Parts, Miscellaneous Transportation Equipment Machinery - Agri. Food & packing Machinery, Elevators & Conveyors, General purpose machinery, Heavy Movers, Mining machinery, Printing & paper machinery, Special industry machinery, Turbines & Engines Electrical and electronics Telecommunications Trading Retailing Mining Construction IT & ITES Real Estate Hotel and Hospitality Additionally, 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
Sectoral Risk Outlook and Industry Fin-Gauge
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SRO & Industry Fin-Gauge

Sectoral Risk Outlook is an industry risk assessment report, which reflects the effect of various factors on the business prospects and operating environment in the industry over the next 12 months. It underscores potential opportunities and threats prevalent in a sector. The report contains an industry risk score and a summary of the key risk elements affecting an industry. D&B Industry Fin-Gauge is an extremely useful tool for credit officers, equity analysts, portfolio managers and other professionals and researchers for analyzing the financial performance of companies in different industries. 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, 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
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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&Bs exhaustive commercial database
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Target Customers for Standalone SRO Sale & Benefits to Customers
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Thank You!
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Introduction to Dun & Bradstreet

Risk Management Solutions

Exporters Receivable Management Service

About Dun & Bradstreet

About Dun & Bradstreet

Employs approximately 4,200 people.

our values people quality integrity customers teamwork performance excellence

About Dun & Bradstreet India

Strategic Business Units

D&B Risk Management Offerings

BIR Basic business information report Continuous Monitoring Services

Sales & Marketing Capabilities & Services

Analytics & Events & Promotion Predictive Science Activities

Direct Mailing / Lead Generation

D&Bs Economic Analysis Capabilities & Services

D&B Learning Capabilities & Solutions

Forums & Events

Research Publications & Books

Customized courses Blended training Certification tools Competency Assessment Tools

our values people quality integrity customers teamwork performance excellence

D&B Research & Advisory Capabilities & Services

Textile & Fabrics

Real Estate & SEZ

Biscuits and Cookies

Outlook Structural Analysis Competitive intensity Risk

Segmentation Behavioral analysis Voice of Customer Surveys and Customer Satisfaction

Risk Management Solutions

Sectoral Risk Outlook

Online Trust Solutions

Business Information Reports

Exporters Receivable Management

Country Risk Reports

Trade Exchange Program

Enterprise Risk System SME Ratings

our values people quality integrity customers teamwork performance excellence

Introduction to Dun & Bradstreet

D&B D-U-N-S Number

The United Nations 15

International Standards Organization

Introduction to Dun & Bradstreet

people quality integrity customers teamwork performance excellence

Target Segment & Positioning

A business entity looking for recognition through a third party agency

our values people quality integrity customers teamwork performance excellence

Introduction to Dun & Bradstreet

Business Information Reports

Business Information Reports

Main Target Segments:

Comprehensive people quality Report integrity

our values people quality integrity customers teamwork performance excellence

Continuous Monitoring Services

Continuous Monitoring Services

our values people quality integrity customers teamwork performance excellence

Benefits of Continuous Monitoring System

our values people quality integrity customers teamwork performance excellence

Target Segment & Positioning

Main Target Segments:

our values people quality integrity customers teamwork performance excellence

Introduction to Dun & Bradstreet

D&B Rating Reports

Third Party Endorsement

Business Risk Assessment