Experian ESG Presentation Deck
Executive Summary Improving Financial Health
Employees
Supply Chain
Social - Improving Financial Health - the value of credit bureaus
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View from the World Bank:
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
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Data
Environment
O Experian Public
Governance
How do credit bureaus benefit consumers, businesses and economies?
Policies & Data tables
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.
43% of our revenue came from our credit bureaus in FY22
https://www.worldbank.org/en/publication/gfdr/gfdr-2016/background/credit-bureau
Appendix
experian.
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.View entire presentation