Investor Presentaiton

Executive Summary Improving Financial Health Data Employees Supply Chain Environment Governance Policies & Data tables Appendix Social - Improving Financial Health - the value of credit bureaus How do credit bureaus benefit consumers, businesses and economies? View from the World Bank: experian. Transparent credit information is a prerequisite for sound risk management and financial stability • Bureaus reduce default risk and improve the efficiency of financial intermediation. • • • • In a competitive credit market consumers benefit through lower interest rates Effective credit reporting systems can mitigate a number of market failures. They reduces problems of adverse selection and asymmetric information between borrowers and lenders. This reduces default risk and improves the allocation of new credit. Promotes a responsible "credit culture" by discouraging excessive debt and rewarding responsible borrowing and repayment. Allows borrowers to build a credit history to access credit. Especially beneficial for small enterprises and new borrowers with limited physical collateral. Evidence from the financial crisis suggests that positive credit information helped to safeguard the financial access of creditworthy borrowers that would have otherwise been cut off from institutional credit. 21 21 Experian Public 42% of our revenue came from our credit bureaus in FY23 https://www.worldbank.org/en/publication/gfdr/gfdr-2016/background/credit-bureau

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