Experian ESG Presentation Deck
Executive Summary
Improving Financial Health
Social - Positive data in Brazil - impact
Large adult population
Brazilian population (millions)
Total
Adult
Banked
27
212
157
Brazil's 212m population is comprised of 157m adults
and 55m children.
O Experian Public
Data
112
Of the 157m adults, 112m are banked and 45m are
unbanked.
Data as FY20
●
Employees
●
23
137m people will benefit
137m people will benefit from positive data
20
Supply Chain
114
Environment
Had access to credit, will benefit
No access to credit, will benefit
Of the 157m adults, we expect 137m will benefit from
positive data. This is comprised of:
No access to credit, won't benefit
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
Governance
●
30
experian
Significant score benefits
74% of people with current access to credit will see
significant improvements to their score
●
Policies & Data tables
84
●
Appendix
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
TM
Significant score improvement
Small score improvement
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