Investor Presentaiton
Executive Summary
Improving Financial Health
Data
Employees
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Appendix
Social - Positive data in Brazil - impact
Large adult population
137m people will benefit
Brazilian population (millions)
137m people will benefit from positive data
Total
212
Adult
157
112
Banked
20
20
23
23
experian.
Significant score benefits
74% of people with current access to credit will see
significant improvements to their score
Had access to credit, will benefit
30
30
Significant score improvement
No access to credit, will benefit
114
84
Small score improvement
No access to credit, won't benefit
Brazil's 212m population is comprised of 157m adults
and 55m children.
Of the 157m adults, 112m are banked and 45m are
unbanked.
33
33
Experian Public
Data as FY20
Of the 157m adults, we expect 137m will benefit from
positive data. This is comprised of:
.
•
114m people who already have good scores and
access to credit but would benefit to a greater or
lesser degree from more information available.
23m people who currently don't have a score good
enough to get credit, but don't have a record of
missed payments in the negative data file, and so
should benefit from positive data, which should
boost their score and get them into the credit
market.
The remaining c.20m people won't benefit currently
because they have a record of many missed
payments in the negative data file
Of the 114m with current access to credit who will
benefit from positive data, we expect:
•
.
84m (74%) are expected to see a significant score
improvement from positive data, potentially getting
lower interest rates.
30m remaining won't see significant score
increases, either because
they already have very high scores, so the
benefit from positive data will be small and
won't change interest rates
they have unpaid debt - whilst they still
have a good enough score to get credit, the
unpaid debt would prevent them getting
access to lower interest rates.View entire presentation