#1Bexperian Investor Relations Presentation July-September 2023 Experian, 2023. 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. H#2The Experian team Bexperian... Brian Cassin Chief Executive Officer Lloyd Pitchford Chief Financial Officer Nadia Ridout-Jamieson Chief Communications Officer Evelyne Bull VP Director, Investor Relations 2 Experian Public#3Snapshot of Experian We have a clear purpose: to create a better tomorrow We bring the power of data, analytics and technology to transform lives and deliver better outcomes for people, for businesses and for our communities: • • We are driven by our mission to improve financial health for all We champion consumers across the business, and currently have 172* million free members We are entrusted with data on 1.5 billion people and 201 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: · £26bn market cap¹ / FTSE top 251 • 22,000 employees; 32 countries • US$6.6bn revenue / US$1.8bn Benchmark EBIT • US$1.8bn Benchmark operating cash flow, cash conversion rate of 98%² • 16.5% Return on Capital Employed (ROCE) 3 Experian Public *As at 30 June 2023. All metrics unless otherwise stated are for the year ended 31 March 2023. 1 As at 11 July 2023. 2 Conversion of Benchmark EBIT into Benchmark operating cash flow. Bexperian.#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 Bexperian... • 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 172m consumers and growing strongly • We have identified significant addressable market opportunities, estimated at over US$150bn 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 4 Experian Public#5Experian business activities - our services Business-to-Business (B2B) Data US$3.4bn Decisioning US$1.4bn • Large databases Credit history data on 1.5bn people and 201m businesses • Automotive information • 18 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 5 Experian Public Business-to-Consumer (B2C) Consumer Services US$1.8bn Direct to consumer credit monitoring Credit and insurance marketplaces • Identity theft protection services • Affinity (white label) credit and identity monitoring services Revenue for year ended 31 March 2023. Bexperian...#6Experian business activities - how we help Business-to-Business We help businesses to identify and understand their customers. We can help them to: • lend effectively, responsibly and appropriately; • manage credit risk and minimise the risk of fraud; • better understand and communicate with customers; enhance their customer's experience with them; • better understand their markets and allocate resources. They benefit from more information, more accurate results, and more precise decisions. Bexperian... Consumer Services We help people and families to: • • better access financial services; understand and improve their financial position; • better protect against fraud and identity theft; . know that their data is correct, and learn more about credit. Making it easier, cheaper and faster for people and organisations to access financial services 6 Experian Public#7Global revenue FY23 By customer 4% 3% 3% 4% 4% 5% 39% 6% By region By business activity EMEA/Asia Pacific UK and Ireland 12% Latin America 15% 6% 67% North America g Decisioning Consumer Services 27% 21% 7% 52% Data Business-to-Business 73% 7 Experian Public Bexperian... ■Financial services Direct to consumer Health Retail Software and Professional Services Automotive Insurance Telecoms and Utilities ■Media and Technology 8% Government and Public Sector 17% ■ Other Diverse portfolio by region, business activity and customer#8Market leader with unparalleled global reach and range Bexperian... 7,000 6,6191 6,000 33% 5,1222 Global revenue US$m 5,000 -22% 4,000 3,7102 -20% 3,000 2,2252 67%* 2,000 -78%* 1,8053 -29% ~80%* 1,3774 ~18% 9852 1,000 ~71% -100% -82% 100%* 5392 100%* 0 Experian Equifax TransUnion D&B ■North America Credit Karma Other regions FICO Lending Tree NerdWallet 1 Year ended 31 March 2023 4 2 Year ended 31 December 2022 3 Year ended 31 July 2022. Credit Karma revenue are primarily US. Intuit/CK does not disclose international revenues 8 © Experian Public Year ended 30 September 2022 FICO's North America includes Latin America, which is -5% of total revenue *US only Source: Annual results & latest SEC filings experian. This analysis covers traditional competitors that are publicly listed. It does not include companies where a single division competes against Experian.#9experian Strategic highlights H#10Substantial strategic progress Revenue from new product innovation (US$m) Consumer Services: North America marketplace New North America identity premium subscription • Brazil Consumer Services Spanish Latin America Consumer Services • UK marketplace B2B products: • Ascend . PowerCurve • Experian One • Fraud propositions New Health products New Auto products Positive data 108 359 213 548 711 976 1,229 FY17 FY18 FY19 FY20 FY21 FY22 FY23 10 Experian Public Bexperian Our business fundamentals glassdoor 4.4 4.4/5 Great Place Certified in 22 To countries Work.Ⓡ NPS 04 - UיהM P Net Promoter Score improvement 2018: 23 2022: 52 Strategic cloud partnership with AWS POSTUPANY Chusy st idea WE MADE THE LIST! Experian Bel is a Wand Marging FORTUNE statista AMERICA'S MOST INNOVATIVE COMPANIES 2023 BIG INNOVATION 201/23 FORTUNE 100 BEST COMPANIES TO WORK FOR 2023 ECONÓMICO Valor Serasa Experian named one of the 'Most Innovative Companies' BEST IN KLAS REVENUE CYCLE: CONTRACT MANAGEMENT 2023#11Extending further across the customer lifecycle in our markets We assist consumer and business interactions... B2B focus areas ...more deeply and broadly than ever before... Marketing and Engagement Identity and Fraud Credit Risk Customer/ Portfolio Management Payments/ Collections e Explore and learn Open / Apply set-up account Purchase Use product/ service Manage account Resolve issues or problems Add account Close account Loyalty Consumer focus areas 11 Experian Public Protect My Identity Educate and Enable Me Match Do it Me for me Bexperian ...across an expanding set of verticals Lending + Health eCommerce Insurance Auto Marketing/ advertising Public sector#12Addressing large opportunities Consumer Services US$40bn+ Goal: Become pre-eminent TAM* Bexperian Credit, Fraud, and Identity Goal: Lead the next phase of market evolution Priority vertical opportunities Goal: Grow in underpenetrated Experian adjacencies US$55bn+ consumer financial platform TAM Saving and investing Payments Protection Spend management Borrowing Bureau data Open finance and alternative data אן 0+0 Analytics software and services Decisioning Credit marketing + Health TAM US$10bn Marketing Data and Identity Resolution US$9bn Fraud risk detection and monitoring Identity verification and authentication Verification Services US$3bn US$150bn+ Experian total market opportunity 12 Experian Public * Total addressable market#13Our strategic framework Fundamental pillars High-performing, purpose- driven culture Lead next phase of credit risk, digital marketing, fraud and identity evolution Maximise synergies Bexperian Become pre-eminent consumer finance platform Superior data World-class products Relationships with millions of consumers Industry-leading innovation • Broadest, deepest, highest quality data • • Leverage our advanced technologies Key priorities Link propositions (Ascend, PowerCurve and more) • Scale globally Expand in new markets - Identity, Fraud, Business Credit, Health, Auto, Verifications, Targeting Grow and deepen consumer relationships Enhance premium products • Build significant scale in marketplaces • Help consumers daily Improve outcomes through consumer- contributed data • Selectively expand in more bureau markets Operational excellence at scale 13 Experian Public Foundations World-class technology Attracting the best talent Great customer service#14Al at Experian . Our advantages Deep expertise in artificial intelligence, machine learning, natural language processing Wide product set embedding Al to enhance credit risk assessment, fraud detection and identity resolution Unique, proprietary datasets and long history of working with structured and unstructured data and advanced analytics DataLabs Fraud detection Ascend Experian Boost Experian Lift 14 Experian Public e. R Bexperian >>>> Our focus ahead Leverage Experian strengths to deliver benefits of Generative Al • Accelerate product innovation Drive operational productivity Ensure strict guardrails to protect consumers and meet all regulatory requirements Excited about Generative Al opportunity#15Quarterly organic growth trends Bexperian % of Group revenue¹ Q1 Q2 Q3 Q4 FY23 Q1 FY24 North America (NA) 67% 7% 8% 5% 7% 7% 4% CI / BI bureaux 23% 3% 2% (2)% 2% 1% 1% CI / BI bureaux, excluding Mortgage 21% 11% 10% 5% 6% 8% 2% Data Mortgage 2% (31)% (38)% (42)% (21)% (33)% (8)% Automotive 5% 4% 11% 7% 7% 7% 8% Targeting Health 4% 11% 16% 14% 15% 14% 9% 8% 5% 8% 4% 10% 7% 9% Decisioning DA / Other 5% 7% 9% 7% 5% 7% 3% Consumer Consumer Services 22% 13% 11% 9% 10% 11% 3% Latin America (LA) 15% 18% 18% 16% 13% 16% 13% CI / BI bureaux 9% 14% 15% 11% 10% 12% 9% Data Other 0% 5% 42% (3)% 9% 12% 0% Decisioning DA / Other 3% 20% 22% 14% 10% 16% 15% Consumer Consumer Services 3% 42% 18% 40% 29% 32% 26% Total NA and LA 82% 9% 9% 6% 8% 8% 5% 15 Experian Public 1 Percentage of group revenue from ongoing activities calculated based on FY23 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.#16Quarterly organic growth trends experian. % of Group Q1 Q2 Q3 Q4 FY23 Q1 FY24 revenue1 UK and Ireland 12% 5% 6% 6% 2% 5% 1% CI / BI bureaux 5% 9% 10% 7% 3% 7% 1% Data Targeting / Automotive 1% 3% 3% 9% 11% 7% 6% Decisioning DA / Other 3% 2% 6% 15% 4% 7% 0% Consumer Consumer Services 3% 0% 0% (8)% (7)% (4)% (2)% EMEA/Asia Pacific 6% 3% 4% 1% 5% 3% 8% 16 Experian Public Total Global 100% 8% 8% 6% 7% 7% 5% 1 Percentage of group revenue from ongoing activities calculated based on FY23 revenue at actual rates. Organic growth rates at constant currency. Historic growth rates as reported.#17FY19 FY19 Key market highlights North America CI/BI Bureaux Verifications and Employer Services CAGR 9% Health CAGR 9% c.1,570 FY23 FY19 Bexperian. Global Ascend c.160 CAGR 50% North America Consumer Services CAGR 15% Latin America Consumer Services c.150 c.1,450 FY23 FY19 CAGR 71% North America Targeting CAGR 12% c.520 FY23 FY19 c.280 FY23 Business-to-business (B2B) FY19 North America Auto CAGR 12% 17 Experian Public Notes: US$m Revenue and EBIT based on ongoing activities, at actual FX rates, as reported at the time. FY23 FY19 North America Subscription CAGR 12% c.300 FY23 FY19 c.840 FY23 FY19 FY23 FY19 Global Marketplace CAGR 69% Business-to-consumer (B2C) c.165 FY23 c.400 FY23#18experian FY23 Strategic progress H#19North America delivers +7% organically; B2B +5% Consumer and Business Information (CI/BI) Sustaining growth against backdrop of lender credit tightening • FY23 NA CI/BI1 +1% organic revenue growth, +8% ex-mortgage . New client wins - securing new logos and higher wallet share . 77 Ascend clients Growing demand for expanded datasets e.g. Buy-Now-Pay-Later (BNPL) and low income lending ⚫ New logos and higher wallet share wins in business credit. . . Verification and Employer Services up 67% to >US$160m in NA 19 Experian Public Bexperian Income and Employment Verification (CI/BI)2 1 Cl: Consumer Information, BI: Business Information. 2 North America only. 47m+ records 151 contracts signed 4 Top card issuers 18 Top mortgage 6 Top Auto lenders lenders 7 Top FinTech lenders#20North America B2B: new products, verticals add to growth trajectory 100% Targeting 90% 80% 70% Revenue mix Offline 60% 50% 40% 30% 26% Digital 20% 10% 0% FY19 Addressing a more diversified customer base Leveraging One Experian synergies to drive competitive advantage, e.g. Ascend 20 Experian Public . 62% FY24 Automotive Bexperian • Automotive supply constraints ease Dealers increase marketing activity to stimulate demand • Automotive lenders seek recessionary risk models to lend effectively Health • New product introductions: Al Advantage™ integrates with our Best in KLAS claims processing solution Experian PowerCurve Collections build off collections. optimisation solution used by hundreds of Epic clients#21NA Consumer Services +11% organically Bexperian Adding to free memberships and frequency of engagement Free memberships: +19% year-on-year to 62m Engagement: +18% year-on-year* experian Sigr Ir Stop overpaying for auto insurance You could save $cal aar year ar avage y Icting us compare quotes and shop for you to go: ou best rate-for free. וח $1.94 $793 T N KaHonwide 82,000 8742 C Clearcov S2103 5853 4 $1,343 5530 Καντιμο Get started *Average monthly active users. Auto insurance Through FY24: Scaling digital agency Enhancing user experience Expanding insurance carriers • • • • • FY23 progress Growing Experian's brand awareness - now a top US15 finance app with a 4.8 star rating* Premium enrolments grow - supported by richer features Strong marketplace performance - supported by Experian Activate and vertical expansion * Source: Apple App Store New product features Activate improves likelihood of approval. Lenders serve offers to consumers who are likely to be approved, based on the lenders' criteria Confirm Your Car - matches Experian Auto data to reduce friction and streamline auto loan application process Auto Insurance - match consumers to insurance carriers to help them save money Boost™ with Rent- enables consumers to add rent payment history to boost FICO Score BillFixer™ - a representative helps consumers negotiate lower rates on day-to-day bills, saving US$263 annually on average Personal Privacy Scan - shows consumers where name/address/phone number occurs on the internet. Ongoing monitoring is a premium feature 21 Experian Public#22Latin America +16% organically Bexperian + Positive data 1 Agribusiness Open Finance Nubank: conta, cartão e mais Nubank Our consumer app is one of the most highly ranked financial apps in Brazil* Google Trends | Popularity Index April 2022 March 2023 2 Consumer Services S TM E Serasa: Consulta CPF e Score Serasa Experian Serasa 31 SME 3 PicPay: conta digital, cartão PicPay Caixa 31 CAIXA Tem 4 Caixa Economico Federal Itaú 17 Identity and Fraud Integrated solutions FGTS 5 FSTE Bradesco 13 Caixa Economica Federal Bradesco: Conta, Cartão o Pix! Banco Bradesco Santander 8 Executing strongly on a broad opportunity set Positive data: c. 200 solutions in-market Ascend revenue +72% +62% new decisioning installations Agribusiness revenue +66% Scaling Latin America Consumer Services • 32% organic revenue growth, delivering profitably • Free memberships up 10m to 81m in Brazil • • Spanish Latin America memberships add a further 13m Limpa Nome, credit marketplace and premium services expansion. Investing in e-wallet payment solutions 22 Experian Public * Source: Team analysis | data.ai; March 2023#23UK and Ireland +5% organically Business-to-business New product examples FY23 FY24 Buy Now Pay Later - new data Launched to market Scale New Scores and Affordability-enhancing income and expenditure features Launched to market Scale Insight Cost of Living & Economic Risk Flags Launched to market Scale New Risk Methods and Technology Open Banking transaction instantly delivered Onboarded First Pilot Client Market Adoption Ascend - various new modules Launched new products Launch and Scale Consumer Services 17:20 4G Search Report CreditLock Your Experian Credit Report is locked Simply clock weer you're ready to make a new credit application. Verifications API Set up and launched to market Scale Gred Leck helps protect pacinst hroudu ent applicators damaging your Experiar Credit Score. What doesn't Credit Lock protect against? New datasets Support Hub, supporting vulnerable consumers Launched to market Build Consumer adoption Pay Dashboard payslip to access income and employment data Launched Scale to large employers All you need to know about CreditLock Added c. 2m BNPL records; access to 77% of UK PAYE income and employment records CreditLock alerts . Increased pace of new product introductions 473 new logos added in FY23 We'll alert you to any credit applications (also know as hard scarches) we stop when CredHLock Is switched on and show them here. 23 Experian Public • • Bexperian Reduced credit supply impacts marketplace performance Accelerating pace of new feature introductions e.g. Credit Lock#24EMEA/Asia Pacific +3% organically Progressing our transformation plan • Revenue growth with improving margin trajectory • Delivered organisational efficiencies • Enhancing fundamentals by driving innovation revenues and global Experian platforms 24 24 Experian Public + Bexperian FY23 performance Australia and New Zealand - good progress with cloud- based decisioning and data quality Asia - strongly growing bureau contribution and business diversification in India Germany, Austria and Switzerland (DACH) – some challenges from macro headwinds; solid performance in insurance Italy and Spain - good progress driven by product innovation delivery and bureau volume strength South Africa - good progress. Strong product pipeline underpins growth despite weaker macro#25Environmental, Social and Governance strategy highlights ― strong progress • • Around 13 million US consumers now connected to Experian Boost Social Innovation and United for Financial Health both beat their 100m people targets, two and one year early, respectively . Certified as Great Place to Work in 22 countries, 82% employee engagement (+4% year-on-year) • Board is now 45% women and includes two ethnically diverse members • Bexperian Improving financial health for all Treating data with respect Progress towards carbon neutral; scope 1 and 2 emissions -38% in FY23 and -65% since 2019 base year Inspiring and supporting our people Working with integrity Protecting the environment 36TH ANNIVERSARY FORTLINE FORTUNE FORTUNE AMERICA'S MOST INNOVATIVE COMPANIES 2023 100 ВЕЯТ СОМРАНЕЕ TO WORK FOR CHANGE THE WORLD 2021 World Changing Ideas BIG INNOVATION 20\/23 Great Place To WorkⓇ 25 Experian Public Experian opet boom, b □ BEST HUMAN RIGHTS CAMPAIGN FOUNDATION PLACES TO WORK 1- 2023 ABULAH For further info see the ESG Presentation 2022 for LGBTQ+ Equality 100% CORPORATE EQUALITY INDEX FT FINANCIAL. TIMES CLIMATE LEADERS 2022 & 2023 statista#26experian Environmental, Social and Governance (ESG) H#27Experian's sustainable business strategy OUR PURPOSE: Creating a better tomorrow OUR SUSTAINABLE BUSINESS STRATEGIC PRIORITY: Improving Financial Health for all THROUGH OUR Core products | Social Innovation | Community Investment Contributing to the UN Sustainable Development Goals 1 POVE POVERTY 1.4 DECENT WORK AND ECONOMIC GROWTH INDUSTRY. INNOVATION AND INFRASTRUCTURE 8.10 9.3 ENABLED BY: Treating data with respect Security | Accuracy | Fairness | Transparency | Inclusion SUPPORTED BY: Inspiring and supporting Working with integrity our people Protecting the environment experian. Our goals Improving financial health for all: Reach 100m people through social innovation products by 2025 (since 2013) Connect 100m people through United for Financial Health by 2024 (since 2020) Diversity: 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% Environment: Become carbon neutral in our own operations by 20301 By 2030 reduce Scope 1 and 2 emissions by 50% and Scope 3 emissions² by 15% Offset 100% of our scope 1 and 2 emissions by 2025 27 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'.#28Experian ESG performance overview experian. • Social 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 O 。 Supply chain principles support UN Universal Declaration of Human Rights; member of the Slave-Free Alliance; supplier diversity programme • Environment • 。 Committed to carbon neutral1 by 2030, Science Based Target set for 2030. Offsetting Scope 1 & 2 emissions over the 5 years to 2025. CDP A- score (leadership band) for 2022, follow TCFD recommendations Governance: o Independent board evaluation shows first class corporate governance and excellent board performance Board meets recommendations of both the FTSE Women Leaders Review on gender diversity and the Parker Review on ethnic diversity FORTUNE AMERICA'S MOST Fortune America's Most INNOVATIVE Innovative COMPANIES 2023 Companies 2023 SUSTAINABLE DEVELOPMENT GOALS Supporting the UN Sustainable Development Goals statista BIG INNOVATION 20 23 Experian Go recognised at the 2023 BIG Innovation Awards FT FINANCIAL CLIMATE TIMES statista LEADERS 2023 Named as one of the Financial Times' Europe Climate Leaders 2023 World Changing Ideas Experian Boost recognised in Fast Company's 2022 World Changing Ideas FORTUNE 100 BEST COMPANIES TO WORK FOR 2023 Fortune 100 Best Companies To Work For 2023 28 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).#29Improving Financial Health - at the heart of our purpose experian • 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. We provide lenders with information needed to offer more loans at fairer rates, reducing the cost to borrowers. 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. Outcome: Support financial health of individuals, businesses and economies Opens door to millions of potential new customers for us and our clients Financial education Improving financial literacy and confidence Financial inclusion Increasing access to financial services HOW WE HELP PEOPLE IMPROVE THEIR FINANCIAL LIVES Financial management Helping people manage their financial lives Financial security Preventing fraud and identity theft We empower consumers to improve their financial lives, gain access to credit, safeguard their identity, save money, negotiate debt and improve their financial knowledge 29 Experian Public www.experianplc.com/responsibility/improving-financial-health TM#30- Improving Financial Health – the three key ways we help 1 2 3 Core products We use our data and analytics expertise to offer a wide range of core products and services that promote financial wellbeing. 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. 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 connected with 113m people since 2020 launch 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 • experian. Products Most focussed on returns • Less financially excluded Sliding scale (generalised characteristics, there are exceptions) Education Most focussed on helping people More financially excluded As we help people move up the ladder of financial inclusion, more people become potential consumers of our core products 30 Experian Public 50 www.experianplc.com/responsibility/improving-financial-health#31Improving Financial Health - core product metrics 180 160 Millions of people 140 120 100 60 80 60 60 40 40 20 20 31 40 Free consumer members North America Brazil 57 40 82 32 110 experian. Consumer Revenue & EBIT UK 2,000 Spanish LatAm 1,800 172 168 1,600 155m 159m $m Revenue and EBIT 1,400 1,200 1,087 985 1,000 800 145 134m 600 400 1,307 1,782 1,613 200 374 416 218 257 283 0 FY18 FY19 FY20 FY21 FY22 FY23 FY24 Q1 FY19 FY20 FY21 FY22 FY23 Experian Public 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.#32Improving Financial Health – UN Sustainable Development Goals experian. 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: SUSTAINABLE DEVELOPMENT GOALS 1 NO POVERTY 8 DECENT WORK AND ECONOMIC GROWTH 9 INDUSTRY, INNOVATION AND INFRASTRUCTURE . · 32 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. Target 8.10 Strengthen the capacity of domestic financial institutions to encourage and expand access to banking, insurance and financial services for all. Target 9.3 Increase the access of small-scale industrial and other enterprises, in particular in developing countries, to financial services, including affordable credit. 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. Target: Reach 100m people through social innovation products by 2025 - Result: 106m people in 2023, target met 2 years early Target: Connect with 100m people through United for Financial Health by 2024 - Result: 113m connections in 2023, target met 1 year early Experian Public www.experianplc.com/responsibility/improving-financial-health#33Social - Treating data with respect We aim to be The Consumers' Bureau. We have built our business on clear commitments to treat data with respect. Experian Global Data Principles: Accuracy Fairness Transparency experian. Security Data security is critical. Securing and protecting data against unauthorised access, use, disclosure and loss are key priorities for us. 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 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. We are open and transparent about the types of data we Inclusion We seek to improve financial health and inclusion for all through collect, where we get it, the innovative use of 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. relevant data to help individuals improve their financial lives. 33 33 Experian Public www.experianplc.com/responsibility/treating-data-with-respect#34Social - Employees experian. • 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. 4.4 40% target for women Glassdoor score1 in senior leaders 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 4 34 Experian Public 1. As at 31 march 2023 www.experianplc.com/responsibility/inspiring-and-supporting-our-people#35Executive Summary Improving Financial Health Data Employees Supply Chain Environment Governance Policies & Data tables Appendix Social - Employees • Bexperian... 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. 4.4 Glassdoor score1 16 Employee diversity groups 35 Experian Public 1. As at 31 March 2023 40% target for women in senior leaders • · FY23 Great Place to Work survey 88% proud to tell others that they work at Experian 96% agree that people are treated fairly regardless of their sexual orientation 95% agree that people are treated fairly regardless of their race • 93% agree that people are treated fairly regardless of their gender www.experianplc.com/responsibility/inspiring-and-supporting-our-people#36Environment experian. 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 have developed carbon emission reduction plans which include switching to more renewable energy, consolidating buildings, and switching to a lower carbon fleet. We are now developing our strategy to decarbonise our operations even further and transition to Net Zero. • We've also committed to gradually carbon offset our scope 1 and 2 emissions over the 5 years to 2025. scope 3 emissions published FY23: start to develop Net Zero Transition Plan (NZTP) Launch Net Zero commitment and NZTP Deliver on decarbonisation plans towards Net Zero Scope 1 & 2 emissions, & Scope 3 air May 2021: science- June 2021: first full June 2022: 4 years full travel published based target published scope 3 estimate published June 2020: carbon neutral & offsetting commitments published June 2021: early TCFD reporting on most requirements FY22: 44% decline in scope 1 & 2 emissions since 2019 June 2022: full TCFD statement published Refine scope 3 estimates with CDP data 100% of scope 1 & 2 emissions offset by 2025 36 O Experian Public 1. 2. 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). Purchased goods & services, business travel and well to tank#37Governance · experian. We're committed to the highest standards of corporate governance 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 both the FTSE Women Leaders Review on gender diversity and the Parker Review on ethnic diversity 73% Independent¹ 45% Women on Board² Board members² 2 Ethnically diverse Board members² 100% Independence of Audit and Remuneration¹ Committees 37 Experian Public www.experianplc.com/responsibility/working-with-integrity/corporate-governance/ 1. Includes Board Chairman (independent on appointment) 2. As at 31 March 2023#38ESG highlights experian. Social Employees Governance Supporting UN SDGS 1.4, 8.10, 9.3 Employee engagement 82% Independent Board members5,6 73% People using our platforms for free education, 172m access to products & services² Glassdoor rating (increased 7 years running)³ 4.4 Female Board members6 45% Connections with people United for 113m Financial Health since launch Three-year gender diversity targets set Voluntary employee attrition Yes Ethnically diverse Board members? 2 11.9% Revenue from Social Innovation products since 2013 launch $241m Independence of Audit and Remuneration committees 100% Diversity and inclusion employee groups 16 Debt renegotiated via Limpa Nome $8.9bn Environment Clear division of responsibilities between the Chairman and CEO Yes Unbanked people who could benefit through alternative data sources and Experian technology platforms 1.4bn 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 Mandatory annual training for all employees: Code of Conduct, Security & data, Anti-Corruption % FY23 scope 1 & 2 emissions offset Committed to become carbon neutral by Science-based target approved by SBTi CDP Climate Change score (2022) CDP Supplier Engagement Rating (2022) Scope 1 & 2 emissions since 20194 2030 Independent external evaluation of the Board's performance8 Yes Yes Executive remuneration linked to Group performance Yes A- Voting rights for shareholders Equal A- -65% 60% A constituent member of FTSE4Good index since 2012 Electricity from renewable sources FY23 62% FTSE4Good 38 Experian Public 5. From 31 March 2023 1. FY23 data unless specified 2. As at Q1 FY24 3. As at 31 March 2023 4. Using Market-based scope 2 emissions 6. Includes Board Chairman (independent on appointment) 7. Meeting Parker Review definition 8. Occurs every 3 years, most recent was FY20#39Bexperian Appendix H#40Modelling considerations for FY24 Organic revenue growth Benchmark EBIT margin¹ Foreign exchange Net interest Benchmark tax rate WANOS Capital Expenditure Benchmark OCF2 conversion Share repurchases 4-6% Modest margin improvement c. 0% to +1% on revenue and Benchmark EBIT c.US$125-130m 26-27% c.914m c.9% of revenue >90% US$150m 40 Experian Public 1 At constant exchange rates. 2 Operating cash flow. Bexperian#41Organic revenue growth and stable margins in every year since 2007 Ongoing 3,424 revenue (US$m) Benchmark EBIT (US$m) Global Financial Crisis Divestments following portfolio review and FX translation effect experian... 5,342 5,179 4,713 4,772 4,810 4,855 4,485 4,477 4,657 4,335 4,059 4,214 3,821 3,859 COVID-19 pandemic 6,587 6,216 FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 Organic revenue growth 8% 4% 3% 2% 8% 10% 8% 5% 1% 5% 5% 5% 9% 8% 4% 12% 7% Benchmark EBIT margin¹ 21.8% 21.8% 23.3% 24.4% 24.8% 26.2% 26.6% 27.4% 27.2% 26.7% 27.7% 27.7% 26.9% 26.8% 25.9% 26.2% 27.4% 1. Conversion of Benchmark EBIT into Benchmark operating cash flow. Global ongoing activities revenue and Benchmark EBIT only. Excluding growth rates, FY07 to FY23 revenue and Benchmark EBIT may have been adjusted to exclude various exited business activities and discontinued operations. Growth rates are not restated. All revenue and Benchmark EBIT are as reported. Source: Experian's Annual Reports from FY07 to FY23 (see https://www.experianplc.com/investors/results-and-presentations/). 41 © Experian Public#42Investing for growth with strong capital discipline Over US$5.0bn invested 801 Bexperian US$2.9bn returned to shareholders 175 215 188 149 492 677 463 482 155 410 424 427 444 627 431 483 489 418 FY19 FY20 Net organic capital investment FY21 FY22 FY23 FY19 FY20 FY21 Pandemic FY22 FY23 Dividends Net share repurchases Net acquisitions and minority investments 15.9 16.1 15.0 15.7 16.5 ROCE % 42 Experian Public Based on reported numbers at the time, at actual FX rates.#4343 33 Financial management Strong financial position Net debt US$bn Bexperian Low interest rate exposure % of current debt at fixed interest rates 90% 67% 59% 38% 4.0 4.0 >2 years >4 years >6 years >8 years 3.9 3.8 3.3 FY19 FY20 FY21 FY22 FY23 2.0x 2.2x 2.2x 1.9x 1.8x Experian Public Net debt/EBITDA leverage >60% of bonds mature in five years or more Bond maturity profile US$m 750 496 496 545 500 545 496 FY24 FY25 FY26 FY27 FY28 FY29 FY30 FY31 FY32 FY33#44Our cash flow is consistently strong and reliable which supports our disciplined capital allocation US$m 2,750 2,250 1,750 1,250 750 250 Share repurchases M&A Dividend experian... Interest & Tax CapEx Funds from operations² (250) FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 Average³ Strongly cash 99% 101% 100% 98% 96% 94% 101% 104% 106% 96% 96% 97% 88% 106% 109% 98% 99% generative¹ 44 Experian Public 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 FY23 - publicly available at www.experianplc.com/investors/reports/.#45Historic leverage trends Bexperian... US$bn 6 5 LO Serasa 70% acquisition US$1.1bn acquisitions Net debt to EBITDA (x) 3.0 2.5 4 2.0 32 1.5 1.0 1 0.5 0 0.0 FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 Net debt to EBITDA target range Net debt to EBITDA Net debt Leverage policy target: Net debt in the range of 2.0-2.5x of EBITDA 45 Experian Public 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.#46North America: expanding our data assets to offer the most robust insights • • . • • . • -- Consumer Credit Largest traditional credit bureau Over 245 million credit-active consumer records Approximately 4 billion consumer tradelines Approximately 12 million consumer public records Over 20 years of raw data 99.9% accuracy 42 million payroll and unique employer-direct records 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 • • 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 fraud records • Over 500,000 known . Over 800,000 daily identity transactions • 400+ million consumer demographic and credit records Approximately 2,000 credit and fraud attributes Texperian Alternative Financials • Largest alternative FCRA regulated credit bureau . 60+ million unique consumers Payday and cash advance Short term installment loans • 1000+ attributes and multiple scores • 20 million+ rental files via RentBureauⓇ Augmented with best-in-class third-party datasets Government data Economic data Property data 46 Experian Public Social data User permissioned Cyber ID / Dark web Health Highest quality and accuracy | Expert matching | World-class compliance and governance#47North America data: Expanding data sources for a 360° view of consumers Bexperian... Driving results in financial inclusion, modeling, decisioning, marketing, risk management and more 2001 2001 2009 2011 2017 2019 2020 2021 2022 2023 2023+ Traditional credit data Rental data Trended data 220+ million consumers Since 2005 Alternative financial Full-file services public records Consumer- permissioned data Income Property Social and data security employer data Expanded Financial public account records data Expanded Background rental data Buy Now Pay Later More to come! Since 2008 Trended The Rent Extended Consumer's Attributes™ BureauⓇ View™ Bureau 47 Experian Public Clarity Data Experian Boost™ sources Multiple eCBSV Experian Verify™ Experian Lift™ Bank and Account Rent Screening Retail payment purchasing Attributes insights behaviors Listing Triggers Directly sourced Calculated Acquired . Third-party partnerships#48Cash flow generation US$m Benchmark operating cash flow¹ 97% 88% cash conversion cash conversion 109% 98% cash conversion cash conversion 106% cash conversion 1,800 1,753 1,476 1,270 1,214 FY19 FY20 FY21 FY22 FY23 48 Experian Public Bexperian... . Strong cash flow generation and conversion Benchmark operating cash flow decreased (3%) down on the previous year against exceptionally strong conversion • Net capital expenditure represents 9% 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.#49North America 49 Experian Public Bexperian... Year ended 31 March US$m Total 2023 2022 Organic growth growth Q1 FY24 Organic growth Data Decisioning Business-to-Business 2,142 2,033 5% 4% 3% 837 784 7% 7% 7% 2,979 2,817 6% 5% 4% Consumer Services 1,453 1,305 11% 11% 3% Total revenue 4,432 4,122 8% 7% 4% Benchmark EBIT – ongoing activities 1,467 1,381 6% Benchmark EBIT margin 33.1% 33.5% All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates.#50Latin America 50 Experian Public Bexperian Year ended 31 March US$m Total 2023 2022 growth Organic growth Q1 FY24 Organic growth Data Decisioning Business-to-Business 606 528 14% 12% 9% 176 149 17% 16% 15% 782 677 14% 13% 10% Consumer Services 165 114 42% 32% 26% Total revenue 947 791 18% 16% 13% Benchmark EBIT – ongoing activities 294 223 30% Benchmark EBIT margin 31.0% 28.2% All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates.#51UK and Ireland 51 Experian Public Bexperian Year ended 31 March US$m Total 2023 2022 growth Organic growth Q1 FY24 Organic growth Data Decisioning Business-to-Business 391 409 8% 7% 2% 229 244 7% 7% 0% 620 653 7% 7% 1% Consumer Services 164 194 (4)% (4)% (2)% Total revenue 784 847 5% 5% 1% Benchmark EBIT – ongoing activities 170 188 1% Benchmark EBIT margin 21.7% 22.2% All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates.#52EMEA/Asia Pacific 52 52 Experian Public Bexperian... Year ended 31 March US$m Total Organic 2023 2022 growth growth Q1 FY24 Organic growth Data 301 333 0% 0% 4% Decisioning 123 123 13% 13% 21% Total revenue 424 456 3% 3% 8% - Benchmark EBIT – ongoing activities 14 13 8% Benchmark EBIT margin 3.3% 2.9% 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.#53Reconciliation of Benchmark to Statutory PBT Bexperian Year ended 31 March Growth % Growth % US$m 2023 2022 (actual rates) (constant rates) Benchmark profit before tax 1,670 1,535 9 9 Acquisition and disposal expenses (46) (47) Contingent consideration (45) (26) Profit and loss on disposal 47 Restructuring related and other costs (66) (26) Statutory profit before tax before non-cash items 1,513 1,483 2 Amortisation of acquisition intangibles (192) (174) Impairment charges¹ (197) (31) Non-cash financing remeasurements² 50 169 Statutory profit before tax 1,174 1,447 (19) 1 Includes share of non-benchmark losses on associates 53 Experian Public 2 Includes interest on uncertain tax provision PBT = profit before tax#54Benchmark EBIT margin Reported EBIT margin +120 bps Bexperian +30bps +80bps 0.5% 27.4% 0.2% 27.1% (0.2%) 0.4% (0.1%) 0.0% 26.9% 0.4% 26.6% 0.0% 26.2% North America Latin America UK and Ireland EMEA/Asia Central Activities Acquisitions Foreign exchange Pacific and mix FY22 reported Exited activities FY22 restated +50bps 54 Experian Public Benchmark EBIT margin on an ongoing activities basis at actual exchange rates. FY23 organic FY23 before FX FY23 reported#5555 59 Benchmark earnings per share (EPS) +9% Constant currency growth USC 124.5 FY23 Benchmark EBIT from continuing operations¹ FY22 reported Benchmark EPS Interest Tax and minority interest Share issues US$124m Average Interest rate: 3.0% Experian Public 1 Includes exited business activities. Average interest rate = net interest expense divided by average debt. ETR Effective tax rate WANOS = Weighted average number of shares ETR 26% WANOS 914m Bexperian +9% EPS constant currency growth +9% EPS actual currency growth Foreign exchange USC 135.1 FY23 Benchmark EPS before foreign exchange FY23 reported Benchmark EPS#56Contacts experian. Experian +44 (0) 20 3042 4220 www.experianplc.com/investors [email protected] Nadia Ridout-Jamieson Chief Communications Officer [email protected] Evelyne Bull VP Director, Investor Relations [email protected] Sarah Schibli Investor Relations and Communications Manager [email protected] Alex Sanderson Head of Group FP&A Reporting [email protected] Experian American Depositary Receipt (ADR) programme ADR shareholder enquiries: Shareowner Services J.P. Morgan Chase Bank, N.A. PO Box 64504 St Paul, MN55164-0504 United States ننت T: E: +1 651 453 2128 (From the US: 1-800-990-1135, toll free) shareowneronline W: www.adr.com Experian ADR shares trade on the OTCQX: Symbol CUSIP Ratio Country Effective Date Underlying SEDOL Underlying ISIN U.S. ISIN Depositary EXPGY 30215C101 1 ADR 1 ORD United Kingdom October 11, 2006 B19NLV4 GB00B19NLV48 US30215C1018 J.P. Morgan Chase Bank, N.A. 56 99 Experian Public#57Event calendar 19 July 2023 15 November 2023 16 January 2024 Annual General Meeting Half year results, FY24 Q3 FY24 trading update 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. 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, 2023. 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. 57 Experian Public experian.