RELX Investor Day Presentation Deck

Case study: Supporting financial inclusion globally Key customer issues: A total of 1.7 billion adults¹ are excluded access to credit globally ● ● ● The financial inclusion challenge is often magnified in low-income countries, given a significant knowledge gap Key challenges impacting low-income countries include: Lack of a traditional reporting infrastructure Limited credit bureau presence Absence of analytics technology to support credit underwriting/scoring Insufficient credit performance documentation or recording High degree of fraud Solutions: We provided digital identity intelligence and authentication. This was powered by insight from billions of transactions, embedded machine learning, and the use of powerful decision platforms 76.5B Events per Year 1.4B Digital ID's 1.1B Cell Phones 2B Email Addresses 1.3B IP Addresses 4B Devices Identified Benefits to selected global customer: Results of Mexico pilot with Kubo Financiero led to: ● Acceptance of 15% of rejected applicants, while maintaining same Early Payment Default (EPD)² rate 20% reduction in default rate We are establishing additional similar initiatives globally, with a few pilots already underway in Central and South America and Asia Source: (1) The World Bank, Global Findex database (2017) (2) Early Payment Default (EPD) defined as credit payment defaults and subsequent delinquency shortly after entering the transaction arrangement & RELX 31

View entire presentation