#1experian TM Investor Roadshow Presentation July - September 2022 Ⓒ Experian, 2022. All rights reserved. The word "EXPERIAN" and the graphical device are trademarks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in the EU. Other product and company names mentioned herein are the trademarks of their respective owners. Experian Public.#2The Experian team Brian Cassin Chief Executive Officer 2 © Experian Public Lloyd Pitchford Chief Financial Officer Nadia Ridout-Jamieson Chief Communications Officer experian Evelyne Bull VP Director, Investor Relations#3Snapshot of Experian We bring the power of data, analytics and technology to transform lives and deliver better outcomes for people, for businesses and for our communities: ● 3 We have a clear purpose: to create a better tomorrow ● We are driven by our mission to improve financial health for all We champion consumers across the business, and currently have 139¹ million free members We are entrusted with data on 1.4 billion people and 191 million businesses We have a diverse and growing range of clients across multiple geographies and industries We grow our business through innovation and technology, and foster an inclusive, inspiring and supportive culture for our people We are large, stable and highly cash-generative: £24bn market cap² / FTSE top 25² 20,600 employees across 43 countries US$6.3bn revenue / US$1.6bn Benchmark EBIT US$1.8bn Benchmark operating cash flow, cash conversion rate of 109% ² 15.7% Return on Capital Employed (ROCE) ● ● ● ● ● O Experian Public All metrics unless otherwise stated are for the year ended 31 March 2022. 1 As at 30 June 2022. 2 As at 17 May 2022. 3 Conversion of Benchmark EBIT into Benchmark operating cash flow. experian#4Our investment proposition We are a leader in global information services with strong positions in growing markets We have a diversified portfolio of businesses across different sectors and regions Our business model is scalable, allowing us to grow revenues quickly at low incremental cost We achieve significant synergies across our operations by combining data sources, integrating analytics and using technology to offer differentiated propositions ● ● ● Strong foundations support our growth prospects We continually invest in product innovation, new sources of data and technology We have direct relationships with 139m consumers and growing strongly We have identified significant addressable market opportunities, estimated at over US$140bn and growing We remain financially well positioned Highly recurring revenue, as many of our products and services are integral to our clients' operating processes We are a highly cash-generative, low capital intensity business We balance organic and strategic investments with shareholder returns through dividends and share repurchases We place a strong emphasis on Environmental, Social and Governance We transform financial lives by improving access to credit and empowering people to understand their finances This is enabled by treating data with respect, inspiring and supporting our people, working with integrity and protecting the environment ● ● ● ● ● experian 4 O Experian Public#5Experian business activities - our services 5 O Experian Public Business-to-Business (B2B) Data US$3.3bn Decisioning US$1.3bn Business-to-Consumer (B2C) Consumer Services US$1.6bn Revenue for year ended 31 March 2022. Large databases Credit history data on 1.4bn people and 191m businesses • Automotive information 23 consumer credit bureaux 15 business credit bureaux ● Credit reports Ascend platform . Advanced software and analytics Credit scores Decisioning software • Data quality Fraud software • Analytical tools Health Expert consulting Direct to consumer credit monitoring Credit and insurance marketplaces Identity theft protection services • Affinity (white label) credit and identity monitoring services experian.#6Experian business activities - how we help Business-to-Business We help businesses to identify and understand their customers. We can help them to: lend effectively, responsibly and appropriately; manage credit risk and minimise the risk of fraud; better understand and communicate with customers; enhance their customer's experience with them; better understand their markets and allocate resources. ● They benefit from more information, more accurate results, and more precise decisions. 6 © Experian Public Consumer Services We help people and families to: • better access financial services; ● ● experian. ● understand and improve their financial position; better protect against fraud and identity theft; know that their data is correct, and learn more about credit. Making it easier, cheaper and faster for people and organisations to access financial services#7Global revenue FY22 7 By region By business activity EMEA/Asia Pacific O Experian Public UK and Ireland 14% Latin America 13% Consumer Services 26% Decisioning 21% 8% 65% 53% Data North America 5% 6% 4% 4% 7% By customer Business-to-Business 74% 3% 3% 3% 8% 18% 39% Diverse portfolio by region, business activity and customer experian Financial services Direct to consumer Health Retail Software and Professional Services Automotive Insurance Telecoms and Utilities Media and Technology Government and Public Sector Other#8Market leader with unparalleled global reach and range Global revenue US$m 7,000 6,000 5,000 4,000 3,000 2,000 8 Experian Public 1,000 1 2 0 6,2671 35% 65%* Experian Year ended 31 March 2022 Year ended 31 December 2021 4,924² ~22% ~78%* Equifax 2,9602 ~23% ~77%* Trans Union 2,170² ~31% ~69% D&B 1,3173 ~20% -80% FICO North America 3 Year ended 30 September 2021. FICO's North America includes Latin America, which is ~5% of total revenue Other regions 1,099² 380² 100% Lending Tree Nerd Wallet. 100%* * *US only. Source: Annual results & latest SEC filings This analysis covers traditional competitors that are publicly listed. It does not include companies where a single division competes against Experian. experian#9Our strategy addresses high-growth markets through defined initiatives We're oriented to higher-growth market spaces Big data and analytics Consumer platforms Global Decision Analytics US $16bn Core Consumer Information Business Information Health US$15bn US$8-10bn 9 US$20bn US$55bn+ US$22bn+ US$5bn Targeting data and identity resolution O Experian Public Addressed through a defined set of strategic initiatives 是 Lillia Redefining Consumer Services far beyond credit scores and monitoring Leading the next phase of credit decisioning development nExpanding in new growth markets Driving to scale in our smaller regions Capitalising on a unique market opportunity in Brazil Serving a broad range of clients People Mainstream finance FinTech ‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒ BNPL Big Tech Hospitals Retail Media ‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒ experian Addressing critical needs. Help me to manage my finances Help us to reduce losses Help us reduce technology infrastructure costs Help us deliver a frictionless but compliant journey Help us adapt and respond to digital lending Help us serve underserved communities Help us drive digital-centric journeys Help us reduce fraud risk Help us to find and keep the best customers#10Strategic highlights: significant contribution from organic investment; acquisitions supplement core strategies Free member base (millions) 40 FY18 57 66 10 FY19 New and key scaling products revenue (US$m) 108 FY20 82 213 O Experian Public 359 Organic 110 FY21 537 134 FY22 FY16 FY17 FY18 FY19 FY20 FY21 678 139 FY23 Q1 909 FY22 UK Brazil USA Consumer: Marketplace Auto insurance Brazil consumer B2B Ascend modules CrossCore Experian One Precise ID i ‒‒‒‒‒‒‒‒‒‒‒ ويلها ‒‒‒‒‒‒‒‒‒‒ no ‒‒‒‒‒‒‒‒‒‒ Redefining Consumer Services far beyond credit scores and monitoring Leading the next phase of credit decisioning development Expanding in new growth markets ‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒ Inorganic Driving to scale in our smaller regions Capitalising on a unique market opportunity in Brazil Gabibillfixers Get a better insurance EMPTECH experian LANDMARK INSURANCE SERVICES HOME AUTO LIFE BUSINESS Completed post year-end. + ‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒‒ pague velaz ‒‒‒‒‒‒‒‒‒‒‒‒‒ Cicplus tcc Sinacofi Buró ap I ‒‒‒‒‒‒‒‒‒‒‒‒‒‒ MOVA#11ESG strategy highlights - progressing towards our key targets ● • Reached 82m people with Social Innovation and connected. with 87m through United for Financial Health, making good progress towards our respective 100m targets • Furthered our commitment on gender diversity; 33% of Senior Leaders are female and 36% of Board • Continuing to progress on our carbon neutral commitment ● 11 • reduced Scope 1 and 2 emissions by 44% since 2019 base year • commencing planning towards net zero in our own operations BIG INNOVATION 20 22 O Experian Public FORTUNE CHANGE THE WORLD 2021 FORTUNE 100 BEST COMPANIES TO WORK FOR 2021 Great Place To Work® E BEST HUMAN RIGHTS CAMPAIGN PLACES TO WORK 2022 for LGBTQ+ Equality 100% CORPORATE EQUALITY INDEX Improving financial health for all Treating data with respect Inspiring and supporting our people PwC's Building Public Trust Awards 2021 Highly Commended for Cyber Security Reporting in the FTSE 350 experian Working with integrity statista Protecting the environment FT FINANCIAL CLIMATE TIMES LEADERS 2022 CDP SUPPLIER ENGAGEMENT LEADER 2021#12experian TM FY22 Strategic Progress#13Delivering strong growth: accelerating B2B and step-change in Consumer Services ● • Benchmark EBIT margin +60 basis points up at constant rates ● ● Financial highlights Total revenue +17% at actual rates, +17% at constant FX and +12% organically² ● Benchmark earnings per share +21% at constant and actual rates Cash flow conversion of 109%; Net debt/Benchmark EBITDA 1.9x Second interim dividend raised by 10% • US$175m net share repurchase Q1 FY23: Total revenue +7% at actual rates, +9% at constant FX and +7% organically 13 O Experian Public • Volume growth driven by rebound and alternative data assets ● B2B¹ +9%² ● Broadening Ascend and deploying cloud-enabled platforms Successful expansion into new client segments, e.g. BNPL Executing verifications entry strategy and expanding in priority verticals Accelerating positive data adoption in Brazil • Q1 FY23: +6% organic. revenue growth Consumer +22%² • Free membership growth, up 24m to 134m (139m Q1 FY23) • Enriching premium offers to enhance engagement • Significant credit marketplace growth ● Progressing our entry into insurance marketplace • Q1 FY23: +13% organic revenue growth 1 Business-to-Business. 2 Organic revenue growth for the year ended 31 March 2022. BNPL: Buy Now Pay Later. BPS: Basis Points. experian. Geographic • Double-digit organic revenue growth across our three large geographies, plus selective M&A ● UK and Ireland transformation programme on track, 550 bps margin accretion Taking next step to enhance performance in EMEA/Asia Pacific, 600 bps margin. accretion#14North America: performing strongly, successful strategic execution; +13%* (Q1 FY23: +7%) ● ● 14 Bureau volume growth reflecting: ● ● Data and innovation-led growth ● Client loan book expansion; clients seeking to acquire new customers Strength in short-term lending New client mandates Broadening of our data assets; e.g. investment to ensure more of the US population becomes scoreable Clients investing in digital capabilities: • Further progress with Ascend. Expanding the range of Ascend use cases and integrating Ascend with cloud- enabled decisioning Extending cloud-enabled decisioning and analytics to new client segments, e.g. in mid-market O Experian Public Realising new opportunities in key verticals Expanding our position in Buy Now Pay Later. Introducing new specialty bureau • Verification Services exceeds expectations in first full year: Over 100 clients signed Record count reaches 42m • Strong demand in Health for propositions which drive digital patient interactions, some COVID-19 one-off contribution ● ● ● ● experian. • Automotive traction with key innovations including Experian Audience Engine, despite external headwinds Tapad synergies drive new business momentum in Targeting. * North America organic revenue growth for the year ended 31 March 2022.#15North America Consumer Services: moving ahead by bringing new value to our members, +21%* (Q1 FY23: +13%) 15 O Experian Public Building our next growth horizons... Free members rise by 11m to 52m (Q1 FY23: 55m) ● Expanding the Experian marketplace • Scaling our credit marketplace as lenders introduce more pre- approved offers • Integration of Gabi enables us to provide a unique way to bring car insurance shopping to our member base experian Establishing the next generation of premium services Expanding credit monitoring to financial health, starting with bill negotiation through Billfixers Expanding identity theft protection to include privacy features ● ● More to come for our members New ways to Boost • Next generation-propositions in development to drive daily utility ● ● * North America Consumer Services organic revenue growth for the year ended 31 March 2022#16Latin America: seizing the opportunity in Brazil; expanding regional footprint; +17%* (Q1 FY23: +18%) Extending in core credit and laying foundations in new verticals • Extended our range of positive data attributes and scores. Enriching our data assets with alternative and consumer- permissioned sources • More clients for Ascend, growing decisioning software, investing in Serasa Score and expanding our range of analytics • BrScan acquisition has expanded our opportunity in fraud and identity management • Developing new vertical opportunities, e.g. agribusiness where credit allocation methodologies have scope to improve in efficiency 16 O Experian Public ● Broadening our revenue streams in Consumer Services Free membership of 71m (45% of adult Brazilian population) (Q1 FY23: 73m) ● • Serasa eCred is becoming the go-to platform for millions of consumers to access credit, driving marketplace growth ● • PagueVeloz integration underway. Adds opportunity in SME debt negotiation New premium features like 'lock/unlock' are extending our ecosystem into premium services * Organic revenue growth for the year ended 31 March 2022. Before ΜΟΝ Next Regulatory reforms are unlocking new sources of data Negative Negative Positive Negative experian. Positive Open Finance Alternative Open Finance Alternative#17UK and Ireland: on a stronger trajectory, with improved margins; laying foundations for sustained growth, +11%* (Q1 FY23: +5%) 17 O Experian Public experian Boosted. +65 points 939 B2B drivers Very strong year for new business performance, which underpins FY23 growth prospects ● ● experian • Wins across a broad spectrum of clients, including FinTech and BNPL ● Clients focusing on new credit acquisitions, with greater appetite to understand disposable income. Consumer Services Driven by our data superiority, strength in analytics, and fraud and identity management * Organic revenue growth for the year ended 31 March 2022. Further free membership growth, +1.5m to 11m Credit marketplace continues to scale, providing consumers with choice, transparency and more ways to save money#18EMEA/Asia Pacific - positioning to drive meaningful value for Experian; +3%* (Q1 FY23: +1%) • Further streamlining our operational and geographic footprint ● Focusing on our scale markets 18 Ambition to increase proportion of recurring revenue and deliver more profitable growth O Experian Public * Organic revenue growth for the year ended 31 March 2022. MEDI experian INT#19experian TM Recent performance - Q1 FY23#20Financial highlights 20 Revenue Total revenue growth (Ongoing activities) Organic revenue growth EBIT (Ongoing activities) EPS Operating cash flow Dividend Funding and liquidity Experian Public Benchmark EBIT growth Benchmark EBIT margin progression FY22 Constant FX rates Actual FX rates 17% 12% Net debt to Benchmark EBITDA 19% 60 bps Benchmark earnings per share growth 21% Benchmark operating cash flow conversion Benchmark operating cash flow growth Total dividend per share growth 17% 19% 40 bps 21% 109% 22% 10% Results US$6,267m US$ 1,640m USC 124.5 US$1,800m USC 51.75 1.9x I Certain financial data has been rounded within this presentation. As a result of this rounding, the totals of data presented may vary slightly from the arithmetic totals of such data. Revenue, Benchmark EBIT growth and Benchmark EBIT margin are on an ongoing activities basis. FX foreign exchange. experian. Q1 FY23 Constant FX rates Actual FX rates 9% 7% 7%#21Quarterly organic growth trends Data Decisioning Consumer Data Decisioning Consumer 21 North America (NA) CI/BI bureaux CI/BI bureaux, excluding Mortgage Mortgage Automotive Targeting Health DA / Other Consumer Services Latin America (LA) CI/BI bureaux Other DA / Other Consumer Services Total NA and LA O Experian Public % of Group revenue ¹ 65% 24% 20% 4% 4% 3% 8% 5% 21% 13% 8% 1% 2% 2% Q1 78% 22% 20% 26% 0% 11% 32% 19% 14% 28% 25% 17% (6)% 34% 107% Q2 11% 5% 13% (20)% 6% 16% 13% 7% 21% 16% 11% (6)% 28% 41% Q3 13% 8% 15% (21)% 4% 7% 17% 13% 19% 11% 10% 14% 9% 19% Q4 12% 8% 3% 10% (24)% 4% 6% 10% 7% 17% 17% 14% (1)% 19% 33% 22% 12% 1 Percentage of group revenue from ongoing activities calculated based on FY22 revenue at actual rates. Organic growth rates at constant currency. CI - Consumer Information. BI - Business Information. DA - Decision Analytics. Ascend revenue is largely recognised in CI bureaux. Mortgage Profiles is in CI bureaux. FY22 10% 13% 9% 16% (16)% 6% 13% 15% 10% 21% 17% 13% 0% 21% 40% 14% experian Q1 FY23 7% 3% 11% (31)% 4% 11% 5% 7% 13% 18% 14% 5% 20% 42% 9%#22Quarterly organic growth trends Data Decisioning Consumer 22 UK and Ireland CI/BI bureaux Targeting / Auto DA / Other Consumer Services EMEA/Asia Pacific EMEA O Experian Public Asia Pacific Total Global % of Group revenue¹ 14% 6% 1% 4% 3% 8% 5% 3% 100% Q1 20% 19% 21% 8% 37% 19% 26% 10% 22% Q2 11% 9% 1% 6% 23% (2)% (6)% 6% 11% 1 Percentage of group revenue from ongoing activities calculated based on FY22 revenue at actual rates. Organic growth rates at constant currency. Q3 8% 6% 4% 7% 13% 0% (4)% 10% 11% Q4 6% 5% 7% 7% 6% 4% 0% 15% 9% experian FY22 11% 9% 8% 7% 19% 3% (1)% 10% 12% Q1 FY23 5% 9% 3% 2% 0% 1% 8%#23Modelling considerations for FY23 23 Organic revenue growth 1 Acquisitions ¹ Benchmark EBIT margin¹ Foreign exchange O Experian Public Net interest Benchmark tax rate WANOS² Capital Expenditure Benchmark OCF3 conversion Share repurchases 1 At constant exchange rates. 2 Weighted average number of shares. 3 Operating cash flow. 7-9% 1% contribution to growth Modest margin improvement at constant exchange rates c. -1% on revenue, flat on Benchmark EBIT, c. +40 basis points on benchmark EBIT margin c.US$120-125m c.26% c.914m c.9% of revenue >90% US$175m experian#24experian TM Environmental, Social and Governance (ESG)#25Executive Summary Experian's sustainable business strategy Improving Financial Health Data OUR PURPOSE: Creating a better tomorrow Employees OUR SUSTAINABLE BUSINESS STRATEGIC PRIORITY: Improving Financial Health for all Inspiring and supporting our people 1 THROUGH OUR Core products | Social Innovation | Community Investment Contributing to the UN Sustainable Development Goals DECENT WORK AND ECONOMIC GROWTH NO POVERTY ரிச்ச்ர் 1.4 8.10 9 SUPPORTED BY: Supply Chain INDUSTRY, INNOVATION AND INFRASTRUCTURE ENABLED BY: Treating data with respect Security | Accuracy | Fairness | Transparency | Inclusion 9.3 Working with integrity Environment Protecting the environment Governance ● Policies & Data tables Improving financial health for all: Diversity: experian Our goals Environment: Reach 100m people through social innovation products by 2025 (since 2013) Connect 100m people through United for Financial Health by 2024 (since 2020) Appendix By 2024 increase the proportion of women in our executive committee and direct reports to 30%, in our senior leaders to 40%, in our mid-level leaders to 42%, and in our total workforce to 47% Become carbon neutral in our own operations by 20301 By 2030 cut Scope 1 and 2 emissions by 50% and Scope 3 emissions2 by 15% Carbon offset scope 1 and 2 emissions gradually over the 5 years to 2025 25 O Experian Public www.experianplc.com/responsibility/our-approach/ 1. Includes all scope 1 and 2 emissions and the categories of 'purchased goods & services', 'business travel' and 'fuel-and-energy-related activities' within scope 3 (which represent 83% of our scope 3 baseline emissions). 2. 'Purchased goods & services', 'business travel' and 'fuel-and-energy-related activities'.#26Executive Summary Improving Financial Health Experian ESG overview 26 Data Employees Supply Chain Social o Opportunity to significantly advance global financial inclusion, supporting UN Sustainable Development Goals 1.4, 8.10, 9.3 Data security and privacy is of highest focus, ISO 27001 standard Employees - recruiting and retaining top talent; building a high performance, inclusive culture • Governance: O o o Supply chain principles support UN Universal Declaration of Human Rights; member of the Slave-Free Alliance; supplier diversity programme Environment O Committed to carbon neutral¹ by 2030, Science Based Target set for 2030. Offsetting Scope 1 & 2 emissions over the 5 years to 2025. O Follow TCFD recommendations and report to CDP (score B) Independent board evaluation shows first class corporate governance and excellent board performance Board meets recommendations of Parker Review on ethnic diversity Environment Governance SUSTAINABLE DEVELOPMENT GOALS FORTUNE C 12. Supporting the UN Sustainable Development Goals CHANGE THE WORLD 2021 B Policies & Data tables Member of Fortune's 2021 'Change the World' list CDP Supplier CDP Engagement SUPPLIER ENGAGEMENT LEADER 2021 Leader 2021 - in top 8% of companies, 'A' score experian Appendix FTSE4Good Member of FTSE4Good ESG index since 2012 25TH ANNIVERSARY FORTUNE Recognised in Fast Company's 2022 World Changing Ideas Awards 100 BEST COMPANIES TO WORK FOR 2022 TM World Changing Ideas Fortune 100 Best Companies To Work For 2022 1. Includes all scope 1 and 2 emissions and the categories of 'purchased goods & services', 'business travel' and 'fuel-and-energy-related activities' within scope 3 (which represent 83% of our baseline emissions in scope 3).#27Executive Summary Improving Financial Health - at the heart of our purpose 27 ● Improving Financial Health Data Vital role as the world's largest credit bureau The World Bank states that credit bureaus support financial stability, lower interest rates, improve the allocation of new credit and are especially beneficial for small enterprises and new borrowers. Employees We provide lenders with information needed to offer more loans at fairer rates, reducing the cost to borrowers. Outcome: Extending access to credit helps drive social and economic development - businesses grow, families transform their lives. We also help people understand, manage and improve their financial situation and protect themselves and their data. Support financial health of individuals, businesses and economies O Experian Public Opens door to millions of potential new customers for us and our clients Supply Chain Environment Financial inclusion Increasing access to financial services Governance www.experianplc.com/responsibility/improving-financial-health 888 Financial education Improving financial literacy and confidence Policies & Data tables HOW WE HELP PEOPLE IMPROVE THEIR FINANCIAL LIVES Financial security Preventing fraud and identity theft experian. Financial management Helping people manage their financial lives We empower consumers to improve their financial lives, gain access to credit, safeguard their identity, save money, negotiate debt and improve their financial knowledge Appendix#28Executive Summary Supply Chain Improving Financial Health - the three key ways we help 1 Improving Financial Health Core products We use our data and analytics expertise to offer a wide range of core products and services that promote financial wellbeing. 2 3 Social Innovation This programme provides seed funding to explore innovative new solutions designed to offer societal benefits and new revenue streams. Community Investment We deliver financial education programmes and support communities where we operate. Data 28 O Experian Public 1. Data is for FY22 unless stated Employees Experian Boost has helped millions of people in USA instantly improve their credit scores by adding on-time payments of utility bills to their financial profiles GeleZAR app in South Africa - people can improve their financial education through fun courses on their mobile & build their credit score even without a bank account United for Financial Health launched to re-build financial lives post COVID-19, has reached 87 million people since 2020 launch, target of 100 million by 2024 Environment Governance Priority is driving revenue at scale for the business, investments prioritised by returns Focus is on number of people reached with financial inclusion products, returns are secondary Priority is educating people on finances to help drive financial inclusion ● ● ● Policies & Data tables Appendix Bexperian. Products Most focussed on returns Less financially excluded Sliding scale (generalised characteristics, there are exceptions) As we help people move up the ladder of financial inclusion, more people become potential consumers of our core products www.experianplc.com/responsibility/improving-financial-health Education Most focussed on helping people More financially excluded#29Executive Summary Improving Financial Health - core product metrics Millions of people 29 160 140 120 100 80 60 40 20 Improving Financial Health 0 4m FY16 ■USA 22m O Experian Public Free consumer members FY17 40m FY18 Data ■Brazil 57m 82m FY19 FY20 Employees 110m FY21 ■UK 134m FY22 139m Q1 FY23 Supply Chain Millions of people $m Revenue and EBIT Environment 1,800 1,600 1,400 1,200 1,000 800 600 400 200 926 194 Governance Consumer Revenue & EBIT FY18 985 218 FY19 1,127 247 Policies & Data tables FY20 experian 1,307 283 FY21 Appendix 1,612 374 FY22 TM Revenue and EBIT are Benchmark from Ongoing activities Revenue and Benchmark EBIT for FY20 are re-presented for the reclassification to exited business activities of certain B2B businesses and the reclassification of our Consumer Services business in Latin America to the Consumer Services business segment.#30Executive Summary Employees Supply Chain Improving Financial Health - UN Sustainable Development Goals ● ● Improving Financial Health ● 30 Given our sustainable business strategic priority of Improving Financial Health for all, we have identified three of the SDGs where we can make a meaningful contribution: 1 POVERTY i Data Target 1.4 By 2030, ensure that all men and women, in particular the poor and the vulnerable, have equal rights to economic resources, as well as access to appropriate new technology and financial services, including microfinance. 8 O Experian Public DECENT WORK AND ECONOMIC GROWTH Environment Target 8.10 Strengthen the capacity of domestic financial institutions to encourage and expand access to banking, insurance and financial services for all. Target: Reach 100m people through social innovation products by 2025 Target: Connect with 100m people through United for Financial Health by 2024 Governance Policies & Data tables www.experianplc.com/responsibility/improving-financial-health experian SUSTAINABLE DEVELOPMENT GOALS These specific SDG targets are related to improving access to credit, microfinance and financial services, and we contribute to these via our core products, social innovation, and community investment. 9 INDUSTRY, INNOVATION AND INFRASTRUCTURE Target 9.3 Increase the access of small-scale industrial and other enterprises, in particular in developing countries, to financial services, including affordable credit. Appendix TM#31Executive Summary Improving Financial Health Social - Treating data with respect 31 Security Data security is critical. Securing and protecting data against unauthorised access, use, disclosure and loss are key priorities for us. O Experian Public Data Employees Accuracy Supply Chain We will make data as accurate, complete and relevant as possible for the manner in which it is used, always in compliance with legal requirements. We aim to be The Consumers' Bureau. We have built our business on clear commitments to treat data with respect. Experian Global Data Principles: Fairness Environment We collect and use data fairly and for legitimate purposes, balancing privacy expectations with the social and economic benefits derived from the responsible use of data for individuals, businesses and clients. Governance www.experianplc.com/responsibility/treating-data-with-respect Transparency We are open and transparent about the types of data we collect, where we get it, how it is used and where it is shared. Where appropriate we provide individuals with access to the data we collect about them and the ability to correct, restrict or delete data. Policies & Data tables Bexperian. Appendix Inclusion We seek to improve financial health and inclusion for all through the innovative use of relevant data to help individuals improve their financial lives.#32Executive Summary Improving Financial Health Social - Employees 32 ● 4.3 Glassdoor score ¹ Data O Experian Public Employees 40 Employee diversity groups 1. As at 1 May 2022 Supply Chain Environment We're committed to inspiring and supporting our people We have a high performance culture with opportunities for training and development for all employees We build and celebrate a diverse and inclusive culture, and we've set new gender diversity targets • We listen to our people's views, support a positive empowering culture and do all we can to make Experian a great place to work. 40% target for women in senior leaders Governance Policies & Data tables www.experianplc.com/responsibility/inspiring-and-supporting-our-people Bexperian. FY22 Great Place to Work survey 86% proud to tell others that they work at Experian 82% feel good about the ways in which we contribute to the community ● • 90%+ agree that people are treated fairly regardless of their social and economic status, sexual orientation, race and gender Appendix TM#33Executive Summary Environment 33 ● Improving Financial Health ● Scope 1 & 2 emissions, & Scope 3 air travel published June 2020: carbon neutral & offsetting commitments published Data FY21: 20% of scope 1 & 2 emissions offset We've committed to become carbon neutral in our own operations¹ by 2030 The SBTi have approved our science-based target that by 2030 we will reduce Scope 1 and 2 emissions by 50% and Scope 3 emissions² by 15%. We've committed to gradually carbon offset our scope 1 and 2 emissions over the 5 years to 2025. We are exploring options to reduce carbon emissions, switch to more renewable energy and using carbon offsetting or sequestration for the emissions that can't be eliminated. During FY23 we will develop our plans to decarbonise our operations even further and transition to net zero. May 2021: science- based target published June 2021: early TCFD reporting on Employees most requirements June 2021: first full scope 3 estimate published Supply Chain FY22: 40% of scope 1 & 2 emissions offset Environment June 2022: 4 years full scope 3 emissions published June 2022: full TCFD statement published Governance FY23: start to develop Net Zero Transition Plan (NZTP) FY23: Launch Net Zero commitment and NZTP Policies & Data tables Refine scope 3 estimates with CDP data 100% of scope 1 & 2 emissions offset by 2025 experian Deliver on decarbonisation plans towards Net Zero O Experian Public 1. Includes all scope 1 and 2 emissions and the categories of 'purchased goods & services', 'business travel' and 'well to tank' within scope 3 (which represent 83% of our baseline emissions in scope 3). 2. Purchased goods & services, business travel and well to tank Appendix TM#34Executive Summary Governance 34 ● ● Improving Financial Health ● O Experian Public Data 1. 2. Employees 73% Independent¹ Board members² Supply Chain We're committed to the highest standards of corporate governance 36% Women on Board² Environment We maintain the highest standards as set out in the UK Corporate Governance Code 2018 Independent Board evaluation shows first class corporate governance and excellent board performance Board meets recommendations of Parker Review on ethnic diversity Includes Board Chairman (independent on appointment) As at 1 May 2022 Governance 2 Ethnically diverse Board members www.experianplc.com/responsibility/working-with-integrity/corporate-governance/ Policies & Data tables experian. 100% Independence of Audit and Remuneration ¹ Committees Appendix#35Executive Summary Improving Financial Health ESG highlights Social Supporting UN SDGs 1.4, 8.10, 9.3 People using our platforms for free education, 139m access to products & services² People reached by United for Financial Health Revenue from Social Innovation products 35 Data O Experian Public 52m Debt renegotiated via Limpa Nome Unbanked people who could benefit through alternative data sources and Experian technology platforms Data security and privacy is a top priority Robust security controls based on ISO27001 Founding member of the Slave-Free Alliance Suppliers must comply with Supplier Code of Conduct $59m $5.9bn 1.7bn Mandatory annual training for all employees: Code of Conduct, Security & data, Anti-Corruption Employees Supply Chain Employees Employee engagement Glassdoor rat running) 4 Three-year gender diversity targets set Voluntary employee attrition Diversity and inclusion employee groups Environment (increased 6 years Committed to become carbon neutral by Science-based target approved by SBTi CDP Climate Change score CDP Supplier Engagement Leader 2021 Scope 1 & 2 emissions since 20195 % FY22 scope 1 & 2 emissions offset Electricity from renewable sources Environment 78% 4.3 Yes 16.1% 40 2030 Yes B A -44% 40% 32% Governance Policies & Data tables Independent Board members 6,7 Governance Female Board members6 Ethnically diverse Board members8 experian Independence of Audit and Remuneration committees Clear division of responsibilities between the Chairman and CEO Independent external evaluation of the Board's performance⁹ Executive remuneration linked to Group performance Voting rights for shareholders 1. FY22 data unless specified 2. As at Q1 FY23 3. As at Q4 FY21 4. As at May 2022 5. Using Market-based scope 2 emissions 6. As at 1 May 2022 7. Includes Board Chairman (independent on appointment) 8. Meeting Parker Review definition 9. Occurs every 3 years, most recent was FY20 A constituent member of FTSE4Good index since 2012 Appendix TM 73% 36% 2 100% W Yes Yes Yes Equal FTSE4Good#36experian Appendix TM#37Organic revenue growth and stable margins in every year since 2007 Ongoing revenue (US$m) Benchmark EBIT (US$m) 37 Organic revenue growth Benchmark EBIT margin¹ 3,424 O Experian Public 808 FY07 8% Global Financial Crisis 4,059 3,821 4% 939 938 I FY08 FY09 FY10 FY11 FY12 3% 3,859 21.8% 21.8% 23.3% 996 4,214 2% 1,046 8% 4,485 24.4% 24.8% 1,175 10% 4,713 1,255 4,772 8% 1,309 FY13 FY14 5% Divestments following portfolio review and FX translation effect 4,810 1,306 FY15 1% 4,477 1,195 FY16 5% 26.2% 26.6% 27.4% 27.2% 26.7% 4,335 1,199 FY17 5% 4,657 1,290 FY18 5% 4,855 1,306 FY 19 9% experian. COVID-19 pandemic 5,179 1,387 FY20 8% 5,342 1,379 FY21 4% 1. Conversion of Benchmark EBIT into Benchmark operating cash flow. Global ongoing activities revenue and Benchmark EBIT only. Excluding growth rates, FY07 to FY20 revenue, Benchmark EBIT and cash flow conversion may have been adjusted to exclude various exited business activities and discontinued operations. Growth rates are not restated. All revenue, Benchmark EBIT and conversion of Benchmark EBIT into Benchmark operating cash flow, are as reported. Source: Experian's Annual Reports from FY07 to FY20 (see https://www.experianplc.com/investors/results-and-presentations/). 27.7% 27.7% 26.9% 26.8% 25.8% 6,267 1,640 FY22 12% 25.9%#38Our cash flow is consistently strong and reliable which supports our disciplined capital allocation US$m 38 2,750 2,250 1,750 1,250 750 250 (250) Strongly cash generative¹ FY08 99% O Experian Public FY09 FY10 101% 100% FY11 98% FY12 96% FY13 94% FY14 101% FY15 I FY16 FY17 104% 106% 96% Share repurchases M&A Dividend FY18 FY19 96% 97% 1. Conversion of Benchmark EBIT into Benchmark operating cash flow. 2. Funds from operations is defined as Benchmark free cash flow plus organic capital investment (capital expenditure). 3. Average from FY07 to FY22. Source: Experian's Annual Reports from FY07 to FY22 - publicly available at www.experianplc.com/investors/reports/. Interest & Tax Cap Ex Funds from operations² FY20 88% FY21 FY22 106% 109% Average³ 99% experian#39Bond maturity profile 39 US$m 800 700 600 500 400 300 200 100 FY23 O Experian Public FY24 527 FY25 515 FY26 559 FY27 FY28 500 FY29 750 FY 30 FY31 555 FY32 experian 525 FY33#40Historic leverage trends 40 US$bn 6 LO 5 4 3 2 1 0 Serasa 70% acquisition In FY08 FY09 FY10 Net debt to EBITDA target range FY07 O Experian Public FY11 US$1.1bn acquisitions 1 FY12 FY13 FY14 FY15 FY16 FY17 Net debt to EBITDA FY18 FY19 FY20 FY21 Net debt Leverage policy target: Net debt in the range of 2.0-2.5x of EBITDA Net debt / EBITDA leverage is calculated on a constant GAAP basis and excludes IFRS16 related operating lease liabilities, Depreciation and Amortisation, and finance charge adjustments. Net debt includes adjustment for the Serasa put option FY08-FY12. Unless otherwise stated all references to EBITDA are to Benchmark EBITDA. Source: Experian's Annual Reports from FY07 to FY21 - publicly available at www.experianplc.com/investors/reports/ and results announcement at www.experianplc.com/investors/results-and-presentations. experian.. FY22 Net debt to EBITDA (x) 3.0 2.5 2.0 1.5 1.0 0.5 0.0#41North America: expanding our data assets to offer the most robust insights 41 ● ● ● ● ● ▬▬▬▬ ● Consumer Credit Largest traditional credit bureau Over 245 million credit-active consumer records Approximately 4 billion consumer tradelines Over 20 years of raw data • 99.9% accuracy Approximately 12 million consumer public records 42 million payroll and unique employer-direct records Government data O Experian Public Recent additions include digital identity graph and employer records ● Consumer Marketing Broadest reach of consumer data available with 3,200 public and proprietary sources 126 million living units; 300 million consumers • 650+ psychographics; 1500+ demographic attributes; 70+ lifestyle segments • 700 million + Vehicle ownership data records • 4+ billion clustered device records Economic data US Business Credit ● Most comprehensive source of US businesses available 25.1 million active business credit records 145.6 million business tradelines w/ 2 member consortiums 47.5 million US businesses in database 700+ Attributes ● • Over 6 million sources ● + Fraud & Identity ● Over 500,000 known fraud records ● • Over 800,000 daily identity transactions 400+ million consumer demographic and credit records Approximately 2,000 credit and fraud attributes Augmented with best-in-class third-party datasets Property data Social data ● ● ● 60+ million unique consumers • Payday and cash advance Short term installment loans ● experian. Largest alternative FCRA regulated credit bureau Alternative Financials 1000+ attributes and multiple scores User permissioned Cyber ID / Dark web 20 million+ rental files via RentBureau Ⓡ Highest quality and accuracy | Expert matching | World-class compliance and governance Health#42North America data: Expanding data sources for a 360° view of consumers 42 Driving results in financial inclusion, modeling, decisioning, marketing, risk management and more 1980s Traditional credit data 220+ million consumers The Consumer's Bureau O Experian Public 2001 2009 2011 2017 Trended data Rental data Full-file public Since records 2005 Trended RentBureau® Extended Attributes T TM View Directly sourced TM ● Alternative financial services Since 2008 Clarity Data 2019 2020 Consumer- permissioned data Calculated Experian Boost™ Property Social data Multiple sources Listing Triggers Acquired Income and security employer data 2021 ● eCBSV Experian Verify™ Expanded Financial account public records data Experian LiftTM Bank and Account Attributes experian. Third-party partnerships 2022+ Expanded Buy Now rental Pay Later Rent Retail payment Purchasing insights Behaviors#43Cash flow generation 43 US$m Benchmark operating cash flow¹ 88% cash conversion 1,214 FY20 O Experian Public 106% cash conversion 1,476 FY21 109% cash conversion 1,800 FY22 ● ● ● ● experian Strong cash flow generation and conversion. One-off cash receipt and positive mix impact from Consumer Services Benchmark operating cash flow increased US$324m, 22% up on the previous year Net capital expenditure represents 8% of revenue 1 Benchmark operating cash flow is defined as Benchmark EBIT plus amortisation, depreciation and charges for share-based incentive plans, less net capital expenditure and adjusted for changes in working capital, principal lease payments and the Group's share of the Benchmark profit or loss retained in continuing associates. Be TM#44Capital summary 44 US$m 2,000 1,800 1,600 1,400 1,200 1,000 800 600 400 200 0 O Experian Public Capital summary Funds from Operations 1 Cash generated Decrease in Net debt and other Acquisitions and minority investments Share repurchases Dividends paid Organic capital investment Uses of cash ● ● ● US$813m acquisitions and minority investments in the year Shareholder returns of US$593m: experian. US$149m Net share repurchases • Cash dividends of US$444m • Full-year dividend growth of 10% Leverage ratio 1.9x Net debt / Benchmark EBITDA² 1 Funds from Operations is defined as Benchmark free cash flow plus organic capital investment (capital expenditure). 2 Net debt definition has been updated to include lease obligations, following changes in market adoption of the recently implemented IFRS 16. e TM#45North America 45 O Experian Public Year ended 31 March US$m Data Decisioning Business-to-Business Consumer Services Total revenue Benchmark EBIT - ongoing activities Benchmark EBIT margin All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates.. 2022 2,033 784 2,817 1,305 4,122 1,381 33.5% 2021 1,761 694 2,455 1,075 3,530 1,201 34.0% Total growth 15% 13% 15% 21% 17% 15% Organic growth 9% 13% 10% 21% 13% experian Q1 FY23 Organic growth 4% 6% 5% 13% 7%#46Latin America 46 O Experian Public Year ended 31 March US$m Data Decisioning Business-to-Business Consumer Services Total revenue Benchmark EBIT - ongoing activities Benchmark EBIT margin All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. 2022 528 149 677 114 791 223 28.2% 2021 457 92 549 76 625 172 27.5% Total growth 15% 60% 22% 49% 25% 27% Organic growth 12% 21% 14% 40% 17% experian Q1 FY23 Organic growth 30% 20% 15% 42% 18%#47UK and Ireland 47 O Experian Public Year ended 31 March US$m Data Decisioning Business-to-Business Consumer Services Total revenue Benchmark EBIT - ongoing activities Benchmark EBIT margin 2022 409 244 653 194 847 188 22.2% 2021 361 220 581 156 737 123 16.7% All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. Revenue and Benchmark EBIT have been re-presented for the reclassification to exited business activities of certain B2C businesses. Total growth 9% 7% 9% 19% 11% 51% Organic growth 9% 7% 8% 19% 11% experian Q1 FY23 Organic growth 8% 2% 6% 0% 5%#48EMEA/Asia Pacific 48 Year ended 31 March US$m O Experian Public Data Decisioning Total revenue Benchmark EBIT - ongoing activities Benchmark EBIT margin 2022 343 164 507 0 0.0% 2021 284 166 450 (27) (6.0)% All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. Revenue and Benchmark EBIT have been re-presented for the reclassification to exited business activities of certain B2B businesses. Total growth 20% 2% 13% 122% Organic growth 4% 1% 3% experian. Q1 FY23 Organic growth 1% 2% 1%#49Reconciliation of Benchmark to Statutory PBT Year ended 31 March US$m 49 Benchmark profit before tax Amortisation of acquisition intangibles Acquisition and disposal expenses Contingent consideration Gains and losses on disposals¹ Other items Statutory profit before tax before non-cash financing remeasurements Non-cash financing remeasurements Statutory profit before tax O Experian Public 2022 1,535 (174) (47) (26) 16 (25) 1,279 168 1,447 1 Includes businesses and associates, the share of non-benchmark losses on associates. PBT profit before tax. 2021 1,265 (138) (41) (1) 83 (96) 1,072 5 1,077 Growth % (actual rates) 21 19 34 experian. Growth % (constant rates) 22 TM#50Benchmark EBIT margin 50 25.9% FY21 reported O Experian Public (0.1%) Exited activities 25.8% FY21 restated 1.0% B2B +60bps margin expansion 0.4% Consumer Services (0.8%) Central Activities and mix Benchmark EBIT margin on an ongoing activities basis at actual exchange rates. (0.2%) Foreign exchange experian 26.2% FY22 reported#51Benchmark earnings per share (EPS) 51 USC 103.1 FY21 reported Benchmark EPS O Experian Public +19% Constant currency growth FY22 Benchmark EBIT growth from continuing operations ¹ Interest Tax and minority interest Share issues 1 Includes exited business activities. +21% EPS constant currency growth FY22 Benchmark EPS before FX Foreign exchange experian. +21% EPS actual currency growth USC 124.5 FY22 reported Benchmark EPS#52Contacts Experian +44 (0)203 042 4200 www.experianplc.com/investors [email protected] 52 Nadia Ridout-Jamieson Chief Communications Officer [email protected] Shareowner Services J.P. Morgan Chase Bank, N.A. PO Box 64504 St Paul, MN 55164-0504 United States Evelyne Bull VP Director, Investor Relations [email protected] Experian American Depositary Receipt (ADR) programme ADR shareholder enquiries: T: +1 651 453 2128 (From the US: 1-800-990-1135, toll free) E: Shareowneronline W: www.adr.com O Experian Public Sarah Schibli Investor Relations and Communications Manager [email protected] Country Effective Date Experian ADR shares trade on the OTCQX: Symbol EXPGY 30215C101 CUSIP Ratio 1 ADR: 1 ORD Underlying SEDOL Underlying ISIN U.S. ISIN Depositary experian. Alex Sanderson Financial Reporting Manager [email protected] United Kingdom October 11, 2006 B19NLV4 GB00B19NLV48 US30215C1018 J.P. Morgan Chase Bank, N.A.#53Event calendar 21 July 2022 16 November 2022 17 January 2023 . Annual General Meeting Half year results, FY23 Trading update, Q3 FY23 Disclaimer This presentation is being made only to, and is only directed at, persons to whom this presentation may lawfully be communicated ("relevant persons"). Any person who is not a relevant person should not act or rely on this presentation or any of its contents. experian. Information in this presentation relating to the price at which relevant investments have been bought or sold in the past or the yield on such investments cannot be relied upon as a guide to the future performance of such investments. This presentation does not constitute or form part of, and should not be construed as, an offering of securities or otherwise constitute an invitation, inducement or recommendation to any person to underwrite, subscribe for or otherwise acquire securities in any company within the Experian group (the "Group"). Certain statements made in this presentation are forward looking statements. Such statements are based on current expectations and are subject to a number of risks and uncertainties that could cause actual events or results to differ materially from any expected future events or results expressed or implied in these forward-looking statements. Forward-looking statements speak only as of the date of this presentation. This presentation contains certain non-GAAP financial information. The Group's management believes that these measures provide valuable additional information in understanding the performance of the Group or the Group's businesses because they provide measures used by the Group to assess performance. Although these measures are important in the management of the business, they should not be viewed as replacements for, but rather as complementary to, the GAAP measures. Experian, 2022. All rights reserved. The word "EXPERIAN" and the graphical device are trade marks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in the EU. Other product and company names mentioned herein are the trade marks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without the prior written permission of Experian. 53 O Experian Public