The penetration of credit reporting and credit management solutions, measured by respective countries' credit bureau coverage of the population, remains significantly lower in Malaysia and in regional countries such as Thailand, where we have a presence, when compared to our developed market peers in the U.S. and the United Kingdom. Growth potential in the ASEAN region comes from greater penetration and usage of credit reporting services and further expansion of other services such as offering analytics (such as industry analysis and benchmarking, and share of wallet analysis), eKYC, application automation and direct-to-consumer digital solutions. We are currently the market leader of Malaysia's credit reporting industry with an estimated market share in terms of revenue of 71.2% in 2020, according to the IMR Report. Through the industry's high barriers to entry and the strong synergies we enjoy from our subscribers and database ecosystem, we are in an advantageous position to further grow our market share locally and maintain our market share leadership position in Malaysia's credit reporting industry.

As at the LPD, our Key Accounts and Commercial sales team stand at over 170 employees, which includes account managers and business development officers, and sales to our Direct-to-Consumer customers are predominantly digital and is handled by our marketing team. We have a national presence in Malaysia with ten offices throughout the country, eight of which are also service centres that provide assistance to customers. Furthermore, we have a well-trained after sales support team to ensure that our customers receive high quality technical support and help desk solutions.

We have a large credit database on individuals and businesses in Malaysia, having accumulated over 30 years of data in the industry since our establishment in 1990. As at the LPD, our database contained approximately 15 million consumer profiles and approximately 8 million company and business profiles. We source information for our databases from a wide range of public sources that we have access to, from domestic governmental organisations to other publicly available information such as public court listings, publications and gazettes.

With over 30 years in operation, we have developed long-standing relationships with a number of our customers, including our banking, telecommunications and other corporate customers who use our digital solutions. As at the LPD, each of our top five major customers has been our customer for an extended duration of time, ranging from eight to 20 years.

From the FYEs 31 December 2018 to 31 December 2020, we have achieved a revenue CAGR of 12.8%. In addition, we have also achieved a GP margin and EBITDA margin of 86.4% and 36.9%, respectively, for the FYE 31 December 2020. Our ROE has consistently been at least 39.0% from the FYEs 31 December 2018 to 31 December 2020.

Our management team has a deep wealth of experience in the credit reporting and related industries globally. Our major shareholder, Inodes, which is backed by the Creador Group, a Malaysian mid-market private equity fund group, has played a crucial role in propelling the growth and expansion of our digital solutions over the past six years.