#1experian TM Investor Roadshow Presentation January - March 2022 Experian, 2022. All rights reserved. The word "EXPERIAN" and the graphical device are trade marks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in the EU. Other product and company names mentioned herein are the trade marks of their respective owners. Experian Public. 10#2The Experian team Brian Cassin Chief Executive Officer Lloyd Pitchford Chief Financial Officer Nadia Ridout-Jamieson Chief Communications Officer Evelyne Bull VP Director, Investor Relations 2 Experian Public experian.#3Snapshot of Experian Experian is the world's leading global information services company We use data and analytics to help people and organisations to assess, predict, plan and protect themselves . We are custodians of data on over 1.3 billion people globally We have a diverse and growing range of clients across multiple geographies and industries We constantly innovate to help consumers and businesses take control of their financial well- being and seize new opportunities We are large, stable and cash-generative: • £29.0bn market cap* / FTSE top 25* • 20,000 employees / 44 countries • FY21: US$5.4bn revenue / US$1.4bn Benchmark EBIT . Highly cash generative with high cash conversion rate FY21: 106% • 15% Return on Capital Employed (ROCE) 3 Experian Public For the year ended 31 March 2021. * As at 13 January 2022.#4Our investment proposition We are a leader in global information services with strong positions in growing markets • We have a diversified portfolio of businesses across different sectors and regions • Our business model is scalable, allowing us to grow revenues quickly at low incremental cost We achieve significant synergies across our operations by combining data sources, integrating analytics and using technology to offer differentiated propositions Strong foundations support our growth potential • We continually invest in product innovation and new sources of data • We have direct relationships with 128m consumers and growing strongly • We have identified significant addressable market opportunities, estimated at US$130bn and growing • We are a highly cash-generative, low capital intensity business We remain financially well positioned • We balance organic and strategic investments with shareholder returns through dividends and share repurchases ESG is core to how we run our business • We transform financial lives by improving access to credit and empowering people to understand their finances • This is enabled by treating data with respect, inspiring and supporting our people, working with integrity and protecting the environment 4 Experian Public experian#5Experian business activities - our services Business-to-Business (B2B) 5 Experian Public Data US$2.9bn Decisioning US$1.2bn Large databases Credit history data on 1.3bn people and 166m businesses • Automotive information • 24 consumer credit bureaux • 14 business credit bureaux • Credit reports • Ascend platform Advanced software and analytics Credit scores • Decisioning software • Data quality • Fraud software Health Analytical tools Expert consulting Business-to-Consumer (B2C) Consumer Services US$1.3bn Direct to consumer credit monitoring Credit matching services / lead generation Identity theft protection services Affinity (white label) credit and identity monitoring services Revenue for year ended 31 March 2021. experian.#6- Experian business activities – how we help Business-to-Business We help businesses to identify and understand their customers. We can help them to: • lend effectively, responsibly and appropriately; manage credit risk and minimise the risk of fraud; better understand and communicate with customers; • enhance their customer's experience with them; • better understand their markets and allocate resources. They benefit from easier and faster access to more information, more accurate results, and more precise decisions. Consumer Services We help people and families to: . better access financial services; • understand and improve their financial position; • better protect against fraud and identity theft; know that their data is correct, and learn more about credit. 6 Experian Public experian.#7Global revenue FY21 EMEA/Asia Pacific By region UK and Ireland Latin America By business activity 9% 14% 65% North 12% America Consumer Services 24% By customer 3% 3% 4% 4% 4% 5% 5% 7% Decisioning 22% 54% Data Business-to-Business 76% 38% Financial Services. Direct to consumer. Health. Retail. Software and Professional Services. Automotive. Insurance. Telecoms and Utilities. Media and Technology. Government and Public Sector. 10% 17% ■ Other. Diverse portfolio by region, business activity and customer#8Market leader with unparalleled global reach and range Global revenue US$m 6,000 5,3571 5,000 -34% 4.1282 4,000 ~21% 3,000 2,7172 ~21% 2,000 1.7383 -66% -79% ~16% 1,3174 1,000 -79%* -20% -84% -80% 0 Experian Equifax TransUnion D&B FICO ■North America ■Other regions 1 Year ended 31 March 2021 3 Adjusted revenue based on pro forma 12m ended 31/12/2020 *US only. 2 Year ended 31 December 2020 4 8 Experian Public Year ended 30 September 2021. FICO's North America includes Latin America, which is -5% of total revenue Source: Annual results & latest SEC filings experian. This analysis covers traditional competitors that are publicly listed. It does not include companies where a single division competes against Experian.#9Our addressable market opportunities are significant and growing Growing US$130bn+ market opportunity Big Data & Analytics US$50bn+ Identity authentication & Fraud US$20bn+ Consumer identity solutions US$16bn and marketplaces Consumer Information US$14bn Business Information US$11bn Health US$10bn Decisioning US$9bn 9 Experian Public COVID-19 has catalysed existing trends W Digital explosion Digital journeys and workflows Automation and productivity Fraud Our strategic focus areas remain relevant Make credit and lending simpler, faster and safer Empower consumers to improve their financial lives Help businesses verify identity and combat fraud Help organisations in specialised verticals harness data and analytics Enable businesses to find and connect with audiences experian#10Progressing well on our strategic priorities to deliver our growth ambitions Consumer Information Global platforms Ascend Open Data • Consumer consent and open data Experian One PowerCurve Global expansion • Ascend global expansion Use cases Verticals Countries Consumer Big three geographies New transformational concepts . Progress update Experian Boost and Experian Lift lead the way in consumer-permissioned data and we are expanding our data assets • PowerCurve: 594 installations across 66 countries • 113 Ascend contracts across 10 countries • Brazil . • Positive data Business diversification Decisioning, fraud and analytics • Consumer Services • • • 104 clients for PowerCurve on Experian One 144 contracts signed for CrossCore 2.0 Pipeline grows for integrated global platforms Unlocking new Consumer opportunities in North America in insurance and in Brazil in digital wallet and payments Experian Verify gaining traction; over 60 contracts signed in North America • Over 100 new positive data products developed in Brazil Verticals Smaller regions Focused expansion across: • Health ° Automotive Mortgage Verification and Employment Services One Experian Innovation Diversification Scale Operating efficiency EMEA • Asia Pacific into new verticals · Spanish Latin America 10 Experian Public As at 30 September 2021. experian.#11Growing Consumer Services business Millions of people Free consumer members 140 North America 120 100 80 60 60 60 40 40 20 20 22m Brazil 57m 40m 82m Consumer Revenue & EBIT UK Revenue 128m 1,400 EBIT 1,307 110m 1,200 1,127 985 1,000 926 4m 0 FY16 FY17 FY18 FY19 FY20 FY21 Q3 FY22 11 Experian Public US$m revenue * 800 600 400 200 194 218 247 283 FY18 FY19 FY20 FY21 Cumulative total as at end of the period. Revenue and EBIT are Benchmark from Ongoing activities. Revenue and Benchmark EBIT for FY20 are re-presented for the reclassification to exited business activities of certain B2B businesses and the reclassification of our Consumer Services business in Latin America to the Consumer Services business segment.#12ESG - new gender diversity and climate-related targets Social targets: . Our goals • Reach 100m people through social innovation products by 2025 (from 2013) • Reach 100 million people by 2024 through United for Financial Health (from 2020) Diversity targets: • Increase the proportion of women in our senior leaders to 40% by 2024 • We continue to meet Hampton-Alexander and Parker Reviews Environmental targets: Our sustainable business strategic priority: Improving Financial Health for all Core products through: Social innovation Community investment Contributing to the UN Sustainable Development Goals: NO 1 POVERTY DECENT WORK AND ECONOMIC GROWTH M INDUSTRY, INNOVATION AND INFRASTRUCTURE Enabled by treating data with respect: Security Privacy Transparency Accuracy • Carbon neutral in own operations by 2030 . ⚫ Science-based target: by 2030 cut Scope 1 and 2 emissions by 50% and Scope 3 emissions1 by 15% • Carbon offset scope 1 and 2 emissions gradually over the five years to 2025 12 Experian Public 1 Purchased goods & services, business travel and well to tank Supported by: Inspiring and supporting our people Working with integrity Protecting the environment#13:experian TM H1 FY22 strategic progress 10#14Delivering strong growth: successfully executing our innovation-led strategy Financial highlights 1 B2B + 12%2 • · Total revenue +23% at actual rates, +21% at constant FX and +16% organically² EBIT margin +70 basis points up at constant rates • Benchmark earnings per share +30% at constant rates • Cash flow conversion of 89% Drivers of growth: . Volume recovery New data sources Adoption of our global platforms Brazil expansion Vertical expansion 14 Experian Public Consumer +27% 2 H1 FY22 Portfolio Drivers of growth: Free membership growth, up 26m to 122m Enhancing our consumer propositions Driving a stickier membership base Inorganic investment in support of our strategic priorities UK and Ireland transformation programme delivering positive results Further measures to drive performance improvement in EMEA/Asia Pacific 1 Business to business 2 Organic revenue growth for the six months ended 30 September 2021 experian.#15North America: performing strongly, successful strategic execution; +16%* H1 FY22 . • • . • Market recovery coupled with favourable secular trends All major business units delivered good growth in H1 Clients expand credit prospecting activity Securing new clients and expanding our position with existing clients Innovation-led growth New agreements for Ascend modules and integrating Ascend with our decisioning capabilities Strong growth in cloud-enabled software solutions Large new contract awards for fraud and identity management solutions . • Addressing new client segments Established clear lead in Buy Now Pay Later segment Records count in Verification Services grows to 34.2m, with new clients signed for Experian Verify, spanning a broad range of industries Realising new opportunities in key verticals Strong new business bookings performance in Health, with an increased demand for new products • Further broadening our Health product suite to encompass 'digital front door' 15 Experian Public * Organic revenue growth for the six months ended 30 September 2021 experian.#16North America Consumer Services: innovating at scale to bring financial power to all consumers H1 FY22 16 Audience Engagement Free members rise to 47m Today Booooost 25% Monthly Future Daily Data • Consumer personalisation platform initiative launched Soft launch of Experian Go which uses Experian Boost to help credit invisibles • Monetisation Revenue growth through premium memberships and marketplace strength Product roll-outs through FY22 and beyond • Gabi will help streamline insurance marketplace experience • Gabi integrations with more than 40 of the top insurance carriers in the USA Experian Public experian.#17Latin America: positive data, business diversification and consumer expansion underpin growth trajectory; +20%* H1 FY22 The credit industry in Brazil is revolutionising Million 130 Banked population growth in Brazil Positive Data 120 110 100 2017 127m . 79% of Brazilian adult population 2020 2021 Evolution of fintech segment in Brazil Companies (accumulated) +23% 1,098 954 774 604 473 2016 2017 2018 2019 2020 Funding ($USbn) 1.88 +80% 1.08 0.18 0.25 0.33 2016 2017 2018 2019 2020 We are providing the tools to conduct better credit risk assessment Adoption of positive data scores and attributes accelerates; second wave of furnishers to come • Serasa Score 2.0 leads the market for scoring; rapid adoption of global platforms • Diversification into fraud and identity management creates new addressable opportunities Our credit marketplace provides lenders with access to millions of consumers • Consumer free membership of 65m • eCred marketplace has become a meaningful revenue contributor . Adding new premium features like Lock/Unlock to extend eco-system PagueVeloz adds a new way for Limpa Nome to facilitate real-time debt payments and instantly 'Boost' scores 17 Experian Public * Organic revenue growth for the six months ended 30 September 2021 experian.#18UK and Ireland: transformation delivers positive results and much-improved margins; +15%* Setting the stage for sustained growth H1 FY22 Experian brand perception (since 2017) • Economic recovery and increased lender activity support volumes Transformation progressing well • Data quality and market-leading innovation driving increased win rates and new business signings Improved lending environment drives Consumer Services 18 Experian Public * Organic revenue growth for the six months ended 30 September 2021 'A brand I trust' +33% improvement 'Offers something different to other brands' +55% improvement 'For someone like me' +45% improvement experian.#19EMEA/Asia Pacific - positioning to drive meaningful value for Experian; +6%* Recovery across most markets, with only some countries still affected by COVID-19 restrictions • Ambition to deliver performance improvement through: • · • enhanced revenue growth simplifying our operating structure efficiency measures H1 FY22 19 Experian Public * Organic revenue growth for the six months ended 30 September 2021 experian#20experian TM Recent performance 10#21Recent performance highlights First-half FY22 Q3 FY22 Growth Actual FX rates 14% Growth Results Constant FX rates Actual FX Constant FX rates rates Total revenue 21% 23% US$3,060m 15% Revenue Organic revenue 16% 11% Benchmark EBIT growth 25% 25% US$806m EBIT Benchmark EBIT Margin progression 70 bps 20 bps EPS Benchmark earnings per share 30% 29% USC 61.7 Operating cash flow Benchmark operating cash flow conversion 89% US$720m Dividend First interim dividend per share 10% USC 16.0 Funding and liquidity Net debt to Benchmark EBITDA 2.1x Certain financial data has been rounded within this presentation. As a result of this rounding, the totals of data presented may vary slightly from the arithmetic totals of such data. Revenue, Benchmark EBIT growth and Benchmark EBIT margin are on an ongoing activities basis. FX 21 foreign exchange. Experian Public experian.#22Revenue growth trends FY20 FY21 28% FY22 FY20 FY21 FY22 Inorganic 21% 15% 15% 11% 10% 9% 9% 9% 22% 7% 7% 10% 6% 7% 7% 7% (1)% 5% 5% 9% 16% 11% 11% 3% 7% 8% 6% 2% 10% 8% (2)% Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 H1 H2 H1 H2 H1 22 22 Experian Public Growth rates at constant currency and for ongoing activities only. experian#23Segmental trends B2B reflecting strong recovery in our core markets 27% Inorganic Strong Consumer Services growth momentum Inorganic 32% 22% 22% 22% 19% 17% 15% 13% 11% 12% 9% 9% 7% 7% 18% 8% 7% 6% 5% 5% 14% 11% 9% 6% 6% 7% 7% 8% 8% 6% (3)% 2% 1% 1% (5)% Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 FY20 FY21 FY22 FY20 FY21 Q1 Q2 Q3 FY22 23 Experian Public Growth rates at constant currency and for ongoing activities only. experian.#24Quarterly organic growth trends % of Group Q1 Q2 Q3 revenue1 North America (NA) 67% 22% 11% 13% CI/BI bureaux 25% 20% 5% 8% CI / BI bureaux, excluding Mortgage 21% 26% 13% 15% Data Mortgage 4% 0% (20)% (21)% Automotive 4% 11% 6% 4% Targeting Health 4% 32% 16% 7% 8% 19% 13% 17% Decisioning DA / Other 5% 14% 7% 13% Consumer Consumer Services 21% 28% 21% 19% Latin America (LA) 12% 25% 16% 11% CI / BI bureaux 8% 17% 11% 10% Data Other 0% (6)% (6)% 14% Decisioning Consumer DA / Other 2% 34% 28% 9% Consumer Services 2% 107% 41% 19% Total NA and LA 79% 22% 12% 24% 24 24 Experian Public 1 Percentage of group revenue from ongoing activities calculated based on H1 FY22 revenue at actual rates. Organic growth rates at constant currency. CI - Consumer Information. BI - Business Information. DA - Decision Analytics. Ascend revenue is largely recognised in Cl bureaux. Mortgage is in Cl bureaux. experian#25Quarterly organic growth trends % of Group Q1 Q2 revenue1 Q3 UK and Ireland 13% 20% 11% 8% CIBI bureaux 5% 19% 9% 6% Data Targeting / Auto 1% 21% 1% 4% Decisioning DA / Other 4% 8% 6% 7% Consumer Consumer Services 3% 37% 23% 13% 25 25 Experian Public EMEA/Asia Pacific 8% 19% (2)% 0% EMEA 5% 26% (6)% (4)% Asia Pacific 3% 10% 6% 10% Total Global 100% 22% 11% 11% 1 Percentage of group revenue from ongoing activities calculated based on H1 FY22 revenue at actual rates. Organic growth rates at constant currency. experian.#26Modelling considerations for FY22 Organic growth Acquisitions1 EBIT margin1 Foreign exchange Net interest Benchmark tax rate WANOS2 Capital Expenditure OCF3 conversion Share repurchases Prior guidance 11-13% 4% contribution to growth Strong margin progression Neutral to EBIT; (30)bps to margin c.US$115m c.26% c.915m c.8% of revenue c.100% US$150m Updated guidance 12 - 13%* 4% contribution to growth Strong margin progression Neutral to EBIT; (30)bps to margin c. US$115m c.26% c.915m c.8% of revenue c. 100% US$150m 26 26 Experian Public 1 At constant exchange rates. 2 Weighted average number of shares 3 Operating cash flow * Organic revenue growth updated at Q3 FY22 experian#27Summary • A good start to the year, positioning Experian for a strong year of growth • • Secular tailwinds and strong execution are opening up new addressable opportunities Strong progress across multiple segments including global platforms, Consumer Services, Brazil and new verticals Well-positioned to sustain strong growth Powering opportunities and helping to create a better tomorrow 27 Experian Public experian#28experian TM Environmental, Social and Governance (ESG) 10#29Experian's sustainable business strategy 29 29 OUR PURPOSE: Creating a better tomorrow OUR SUSTAINABLE BUSINESS STRATEGIC PRIORITY: Improving Financial Health for all THROUGH OUR Core products | Social Innovation | Community Investment Contributing to the UN Sustainable Development Goals NO POVERTY 8 ECONOMIC GROWTH DECENT WORK AND INDUSTRY, INNOVATION AND INFRASTRUCTURE 1.4 8.10 9.3 ENABLED BY: Treating data with respect Security | Accuracy | Privacy | Transparency Inspiring and supporting our people SUPPORTED BY: Working with integrity Protecting the environment Our goals Improving financial health for all: . Reach 100m people through social innovation products by 2025 (from 2013) Reach 100 million people through United for Financial Health by 2024 (since 2020) Diversity: . By 2024 increase the proportion of women in our executive committee and direct reports to 30%, in our senior leaders to 40%, in our mid-level leaders to 42%, and in our total workforce to 47%. Environment: Become carbon neutral in own operations1 by 2030 By 2030 cut Scope 1 and 2 emissions by 50% and Scope 3 emissions² by 15% Carbon offset scope 1 and 2 emissions gradually over the 5 years to 2025 O Experian Public www.experianplc.com/responsibility/our-approach/ 1. Our own operations include Scopes 1 and 2 in full and the categories of Purchased Goods & Services and Business Travel within Scope 3 (which represents 83% of our baseline emissions in Scope 3). 2. Purchased goods & services, business travel and well to tank experian.#30Improving Financial Health - at the heart of our purpose Vital role as the world's largest credit bureau The World Bank states that credit bureaus support financial stability, lower interest rates, improve the allocation of new credit and are especially beneficial for small enterprises and new borrowers. We provide lenders with information needed to offer more loans at fairer rates, reducing the cost to borrowers. Extending access to credit helps drive social and economic development - businesses grow, families transform their lives. We also help people understand, manage and improve their financial situation - and protect themselves and their data. Outcome: Support financial health of individuals, businesses and economies Opens door to millions of potential new customers for us and our clients Financial inclusion Increasing access to financial services Financial education Improving financial literacy and confidence HOW WE HELP PEOPLE IMPROVE THEIR FINANCIAL LIVES Financial security Preventing fraud and identity theft Financial management Helping people manage their financial lives We empower consumers to improve their financial lives, gain access to credit, safeguard their identity, save money, negotiate debt and improve their financial knowledge 30 30 Experian Public www.experianplc.com/responsibility/improving-financial-health#31Improving Financial Health – the three key ways we help 1 Core products We use our data and analytics expertise to offer a wide range of core products and services that promote financial wellbeing. - Experian Boost has helped 4.5m people in USA instantly improve their credit scores by adding on- time payments of utility bills to their financial profiles Priority is driving revenue at scale for the business, investments prioritised by returns 2 Products . Most focussed on returns Less financially excluded 3 Social Innovation This programme provides seed funding to explore innovative new solutions designed to offer societal benefits and new revenue streams. Community Investment We deliver financial education programmes and support communities where we operate. GeleZAR app in South Africa - people can improve their financial education through fun courses on their mobile & build their credit score even without a bank account United for Financial Health launched to re-build financial lives post COVID-19, reached 35 million people in FY21, beating 15 million target Focus is on number of people reached with financial inclusion products, returns are secondary Priority is educating people on finances to help drive financial inclusion Sliding scale (generalised characteristics, there are exceptions) Education Most focussed on helping people More financially excluded As we help people move up the ladder of financial inclusion, more people become potential consumers of our core products Experian Public 31 1. Data is for FY21 unless stated 2. As at Q4 FY21#32Improving Financial Health - core product metrics Free consumer members Experian Boost US customers 140 ■ N America ■ Brazil ■UK 128m 7 120 100 Millions of people 60 60 80 88 40 40 22m 20 4m 0 40m 57m 82m 110m FY16 FY17 FY18 FY19 FY20 FY21 Q3 32 32 Experian Public FY22 Millions of people 6 5 + 3 2 3.0 2.3 1.7 4.0 4.9 Consumer Revenue & EBIT 6.7 1,400 5.7 1,200 1.0 1 0.3 0 Q4 FY19 FY20 FY20 FY20 FY20 FY21 FY21 FY21 FY21 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Figures as at the end of the quarter $m revenue and EBIT 1,307 1,127 985 1,000 926 800 600 400 200 194 218 247 283 0 FY18 FY19 FY20 FY21 Revenue and EBIT are Benchmark from Ongoing activities Revenue and Benchmark EBIT for FY20 are re-presented for the reclassification to exited business activities of certain B2B businesses and the reclassification of our Consumer Services business in Latin America to the Consumer Services business segment.#33Improving Financial Health - UN Sustainable Development Goals Given our sustainable business strategic priority of Improving Financial Health for all, we have identified three of the SDGs where we can make a meaningful contribution: NO 1 POVERTY 8 DECENT WORK AND ECONOMIC GROWTH SUSTAINABLE DEVELOPMENT GOALS INDUSTRY, INNOVATION 9 AND INFRASTRUCTURE . • . Target 1.4 By 2030, ensure that all men and women, in particular the poor and the vulnerable, have equal rights to economic resources, as well as access to appropriate new technology and financial services, including microfinance. Target 8.10 Strengthen the capacity of domestic financial institutions to encourage and expand access to banking, insurance and financial services for all. Target 9.3 Increase the access of small-scale industrial and other enterprises, in particular in developing countries, to financial services, including affordable credit. These specific SDG targets are related to improving access to credit, microfinance and financial services, and we contribute to these via our core products, social innovation, and community investment. Target: Reach 100m people through social innovation products by 2025 Target: Reach 100m people through United for Financial Health by 2024 33 Experian Public www.experianplc.com/responsibility/improving-financial-health experian.#34Social - Treating data with respect We aim to be The Consumers' Bureau. We have built our business on clear commitments to treat data with respect: Safeguarding Data security We operate a multi-faceted approach to ensure that data is held securely. This approach focuses on prevention, detection and mitigation. Improving Data Accuracy We constantly strive to increase the accuracy of our data. We use data from reputable sources, we measure accuracy continuously, and we have improvement programmes and processes that quickly correct inaccurate data. Protecting Data Privacy We have programmes to evaluate every product and service to ensure we strike the right balance between consumers' privacy expectations and the economic benefit to both consumers and clients. Ensuring Data Transparency We offer consumers the ability to review the data that we hold and, where appropriate, to opt out of further processing or sharing of data for particular uses. 34 =4 Experian Public www.experianplc.com/responsibility/treating-data-with-respect experian.#3535 55 Social - Employees We're committed to inspiring and supporting our people We have a high performance culture with opportunities for training and development for all employees We build and celebrate a diverse and inclusive culture, and we've set new gender diversity targets • We listen to our people's views, support a positive empowering culture and do all we can to make Experian a great place to work. +5% 4.3 I am proud to work 30 Employee Glassdoor score1 at Experian diversity groups Experian Public 1. As at Nov 2021 www.experianplc.com/responsibility/inspiring-and-supporting-our-people 40% target for women in senior leaders experian.#36Social - Employer awards COMPARABLY experian. NAMED 2021 BEST PLACE TO WORK FOR DISABILITY INCLUSION BY THE DISABILITY EQUALITY INDEX 2021 Best CEOs for WOMEN 2021 Best Company CAREER GROWTH Best Company COMPENSATION ARMED FORCES COVENANT EMPLOYER RECOGNITION SCHEME SILVER AWARD 2021 Proudly serving those who serve. E BEST HUMAN RIGHTS CAMPAIGN FOUNDATION PLACES TO WORK 2021 for LGBTQ Equality 100% CORPORATE EQUALITY INDEX top EMPLOYER БЪЛГАРИЯ BULGARIA 2021 CERTIFIED EXCELLENCE IN EMPLOYEE CONDITIONS top EMPLOYER AUSTRALIA 2021 CERTIFIED EXCELLENCE IN EMPLOYEE CONDITIONS top EMPLOYER UNITED KINGDOM 2021 CERTIFIED EXCELLENCE IN EMPLOYEE CONDITIONS top EMPLOYER SINGAPORE 2021 CERTIFIED EXCELLENCE IN EMPLOYEE CONDITIONS top EMPLOYER ESPAÑA SPAIN 2021 CERTIFIED EXCELLENCE IN EMPLOYEE CONDITIONS Great Great Place Place Great Place FORTUNE FORTUNE FORTUNE FORTUNE TOP To To WorkⓇ WorkⓇ Certified AUG 2021 - AUG 2022 USA Certificado Fev/2021 - Fev/2022 BRASIL WorkⓇ Certified AUG 2021 - AUG 2022 COSTA RICA 30 EMPLOYER for Working Families 2021 To BEST WORKPLACES FOR MILLENNIALS™ 2021 100 BEST COMPANIES TO WORK FOR® 2021 BEST WORKPLACES IN FINANCIAL SERVICES AND INSURANCE™ 2021 BEST WORKPLACES FOR WOMEN™ 2021 36 Experian Public www.experianplc.com/responsibility/awards/ Best Workplaces™M In Tech Super Large Organisations Great Place To WorkⓇ UK 2021 experian#37Environment We've committed to become carbon neutral in our own operations¹ by 2030 · The SBTi have approved our science-based target that by 2030 we will reduce Scope 1 and 2 emissions by 50% and Scope 3 emissions² by 15%. • We're committing to gradually carbon offset our scope 1 and 2 emissions over the 5 years to 2025. • We will explore options to reduce carbon emissions, switch to more renewable energy and use carbon offsetting or sequestration for the emissions that can't be eliminated. Publish Scope 1 & 2 emissions, & Scope 3 air travel June 2020: publish carbon neutral & offsetting commitments Update scope 3 estimates 100% of Scope 1 & 2 emissions offset by 2025 Carbon neutral in own operations by 2030 FY21: 20% of Scope 1 & 2 emissions offset May 2021: publish science- Publish June 2021: publish estimate of detailed plans to reach based target full scope 3 emissions with actual carbon data neutral 37 O Experian Public www.experianplc.com/responsibility/protecting-the-environment 1. Our own operations include Scopes 1 and 2 in full and the categories of Purchased Goods & Services and Business Travel within Scope 3 (which represents 83% of our baseline emissions in Scope 3). 2. Purchased goods & services, business travel and well to tank experian#38Governance O We're committed to the highest standards of corporate governance We comply with the UK Corporate Governance Code 2018 Independent Board evaluation shows first class corporate governance and excellent board performance Diverse Board meets recommendations of Hampton-Alexander Review on gender diversity and Parker Review on ethnic diversity 73% Independent¹ Board members² 36% Women on Board² 2 Ethnically diverse Board members 100% Independence of Audit and Remuneration¹ Committees www.experianplc.com/responsibility/working-with-integrity/corporate-governance/ 38 Experian Public 1. 2. Includes Board Chairman (independent on appointment) Since 1 May 2021 appointment of Jonathan Howell experian#39Experian ESG Overview • SUSTAINABLE DEVELOPMENT Social 。 Opportunity to significantly advance global financial inclusion, supporting UN Sustainable Development Goals 1.4, 8.10, 9.3 Data security and privacy is of highest focus, ISO 27001 standard Employees - recruiting and retaining top talent; building a high performance, inclusive culture 。 Supply chain principles support UN Universal Declaration of Human Rights; member of the Slave-Free Alliance; supplier diversity programme Environment Committed to carbon neutral1 by 2030, Science Based Target set for 2030. Offsetting Scope 1 & 2 emissions over the 5 years to 2025. CDP score B. Follow TCFD recommendations and report to CDP Governance: Independent board evaluation shows first class corporate governance and excellent board performance • Diverse board meets recommendations of Hampton-Alexander Review on gender diversity and Parker Review on ethnic diversity GOALS Supporting the UN Sustainable Development Goals FTSE4Good Member of FTSE4Good ESG index since 2012 CHANGE THE Member of Fortune's Change the World 2021 list Sustainability Yearbook Member 2021 S&P Global Featured as a leader in ESG - scored in the top 15% of the professional services industry 39 1. In our own operations#40ESG highlights Social Employees Governance Supporting UN SDGs 1.4, 8.10, 9.3 People using our platforms for free education, access to products & services² 128m Employees proud to work at Experian Glassdoor rating (increased 5 years running)4 86% Independent Board members 6,7 73% 4.3 Female Board members6 36% Consumers connected to Experian Boost in the US3 6.7m Three-year gender diversity targets set Voluntary employee attrition Yes Ethnically diverse Board members 2 10.1% People reached by United for Financial Health 35m Independence of Audit and Remuneration6 committees 100% Diversity and inclusion employee groups 30 Revenue from Social Innovation products $64m Debt renegotiated via Limpa Nome $7.8bn Environment Clear division of responsibilities between the Chairman and CEO Yes Unbanked people who could benefit through alternative data sources and Experian technology platforms 1.7bn Committed to become carbon neutral in own operations by 2030 Independent external evaluation of the Board's performance⁹ Yes Science-based target approved by SBTi Yes CDP Climate Change score CO2e emissions in tonnes5 % FY21 scope 1 & 2 emissions offset Electricity from renewable sources 40 Data privacy and security is a top priority Robust security controls based on ISO 27001 Founding member of the Slave-Free Alliance Suppliers must comply with Supply Chain Principles Mandatory annual training for all employees: Code of Conduct, Security & data, Anti-Corruption Experian Public 1. FY21 data unless specified 2. As at Q3 FY22 3. As at Q4 FY21 4. As at Jan 2021 5. Using Market-based scope 2 emissions 6. As at 1 May 2021, following appointment of Jonathan Howell 7. Includes Board Chairman (independent on appointment) 8. Meeting Parker Review definition 9. Occurs every 3 years, most recent was FY20 Executive remuneration linked to Group performance Yes B Voting rights for shareholders Equal -58% 20% 34% A constituent member of FTSE4Good index since 2012 FTSE4Good#41experian Appendix TM 10#42Investment in technology and innovation FY17 FY18 FY19 FY20 FY21 New and key scaling products revenue (US$m) Capex 399 431 439 487 422 US$m 678 Capex % 9% 9% 9% 9% 8% of revenue Capital investment breakdown (%) Product Development 20% 24% 28% 33% 41% Infrastructure 32% 31% 34% 31% 25% 108 Data 48% 45% 38% 36% 34% 42 Experian Public 213 359 537 FY17 FY18 FY19 FY20 FY21 FY17 FY18 FY19 FY20 FY21 Consumer: ID Works Lead generation Brazil consumer B2B: PowerCurve suite Ascend CrossCore Health, new products Auto, new products experian.#43North America 43 43 Experian Public Six months ended 30 September US$m Total Organic 2021 2020 growth growth Three months ended 31 December 2021 US$m Organic growth Data Decisioning Business-to-Business 1,016 836 21% 12% 7% 376 331 14% 14% 16% 1,392 1,167 19% 13% 10% Consumer Services 645 520 24% 24% 19% Total revenue 2,037 1,687 21% 16% 13% Benchmark EBIT - ongoing activities 737 610 21% Benchmark EBIT margin 36.2% 36.2% All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. experian#44Latin America 44 44 Experian Public Six months ended 30 September US$m Total Organic 2021 2020 growth growth Three months ended 31 December 2021 US$m Organic growth Data Decisioning Business-to-Business Consumer Services 249 213 15% 13% 10% 67 38 72% 31% 9% 316 251 23% 15% 10% 46 27 64% 64% 19% Total revenue 362 278 27% 20% 11% Benchmark EBIT - ongoing activities 87 65 30% Benchmark EBIT margin 24.0% 23.4% All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. experian#45UK and Ireland Six months ended 30 September US$m Total Organic 2021 2020 growth growth Three months ended 31 December 2021 US$m Organic growth Data Decisioning 194 157 13% 13% 6% 115 98 7% 7% 7% Business-to-Business 309 255 11% 11% 6% Consumer Services 99 70 30% 30% 13% Total revenue 408 325 15% 15% 8% Benchmark EBIT - ongoing activities 85 34 133% Benchmark EBIT margin 20.8% 10.5% All results are Benchmark figures and are on an ongoing activities basis. 45 Experian Public Growth at constant exchange rates. Revenue and Benchmark EBIT have been re-presented for the reclassification to exited business activities of certain B2B businesses. experian#46EMEA/Asia Pacific Six months ended 30 September US$m Total Organic 2021 2020 growth growth Three months ended 31 December 2021 US$m Organic growth Data 175 121 37% 7% 3% Decisioning 78 69 7% 5% (6%) Total revenue 253 190 26% 6% 0% Benchmark EBIT - ongoing activities (21) (34) 46% Benchmark EBIT margin (8.3)% (17.9)% 46 46 Experian Public All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. Revenue and Benchmark EBIT has been re-presented for the reclassification to exited business activities of certain B2B businesses. experian#47Benchmark EBIT US$m 647 FY21 H1 Benchmark EBIT +38% +150% +34% 51 13 (54) +25% +21% EMEA / Asia 22 UK&I Pacific Central Activities Latin America 127 North America 47 Experian Public Benchmark EBIT on an ongoing activities basis and actual rates. 806 FY22 H1 reported Benchmark EBIT H1 FY22 experian#48Benchmark earnings per share (EPS) +25% Constant currency growth USC 47.9 FY22 H1 Benchmark EBIT growth from continuing operations1 FY21 H1 reported Benchmark EPS 48 Experian Public 1 Includes Exited Business Activities Tax and Interest minority Share issues interest +30% EPS constant currency growth +29% EPS actual currency growth Foreign exchange USC 61.7 FY22 H1 Benchmark EPS before FX FY22 H1 reported Benchmark EPS H1 FY22 experian#49Reconciliation of Benchmark to Statutory PBT Six months ended 30 September US$m Growth % 2021 2020 (actual rates) Benchmark profit before tax 751 588 28 Amortisation of acquisition intangibles (89) (65) Exceptional items 5 (22) Other items¹ (34) (20) Statutory profit before tax before non-cash financing remeasurements 633 481 32 Non-cash financing remeasurements 21 (23) Statutory profit before tax 654 458 43 49 Experian Public 1 Includes non-benchmark items related to acquisition expenses and interest on uncertain tax provisions PBT = profit before tax H1 FY22 Growth % (constant rates) 28 experian#50Cash flow generation US$m Benchmark operating cash flow¹ 89% cash conversion 89% cash conversion 51% cash conversion H1 FY22 • • Strong cash flow generation and conversion Benchmark operating cash flow increased US$146m at actual rates and 112% on a 2-year basis 720 • 574 340 FY20 H1 FY21 H1 FY22 H1 50 50 Experian Public Positive mix impact from Consumer Services • Net capital expenditure represents 7% of revenue 1 Benchmark operating cash flow is defined as Benchmark EBIT plus amortisation, depreciation and charges for share-based incentive plans, less net capital expenditure and adjusted for changes in working capital, principal lease payments and the Group's share of the Benchmark profit or loss retained in continuing associates. experian#51Capital framework – first half FY22 US$m Capital summary 1,200 1,000 800 Increase in Net debt and other 600 400 200 Acquisitions and minority investments Share repurchases Funds from Operations 2 Dividends paid 0 Cash generated 51 Experian Public Organic capital investment Uses of cash • · H1 FY22 US$369m acquisitions in the half and US$353m for post balance sheet acquisitions: • Gabi in North America • Pague Veloz in Brazil Shareholder returns of US$412m: • US$115m1 Net share repurchases • Cash dividends of US$297m First interim dividend growth of 10% Leverage ratio 2.1x Net debt / EBITDA 3,4 1 Share repurchases as at 30 September 2021 2 Funds from Operations is defined as Benchmark free cash flow plus organic capital investment (capital expenditure) 3 Net debt definition has been updated to include lease obligations, following changes in market adoption of the recently implemented IFRS16. 4 Leverage based on last 12 months EBITDA experian#52Contacts Experian +44 (0)203 042 4200 www.experianplc.com/investors [email protected] Nadia Ridout-Jamieson Chief Communications Officer [email protected] Evelyne Bull VP Director, Investor Relations [email protected] Wilna De Villiers Investor Relations and Communications Manager [email protected] Alex Sanderson Financial Reporting Manager [email protected] Experian American Depositary Receipt (ADR) programme ADR shareholder enquiries: Shareowner Services J.P. Morgan Chase Bank, N.A. PO Box 64504 St Paul, MN55164-0504 United States ننت T: E: + 1 651 453 2128 (From the US: 1-800-990-1135, toll free) Shareowneronline W: www.adr.com Experian ADR shares trade on the OTCQX: Symbol CUSIP Ratio Country Effective Date Underlying SEDOL Underlying ISIN U.S. ISIN Depositary EXPGY 30215C101 1 ADR 1 ORD United Kingdom October 11, 2006 B19NLV4 GB00B19NLV48 US30215C1018 J.P. Morgan Chase Bank, N.A. 52 52 Experian Public#53Event calendar 18 May 2022 14 July 2022 20 July 2022 16 November 2022 Full year results, FY22 Q1 trading update, FY23 Annual General Meeting Half year results, FY23 Disclaimer . This presentation is being made only to, and is only directed at, persons to whom this presentation may lawfully be communicated ("relevant persons"). Any person who is not a relevant person should not act or rely on this presentation or any of its contents. Information in this presentation relating to the price at which relevant investments have been bought or sold in the past or the yield on such investments cannot be relied upon as a guide to the future performance of such investments. This presentation does not constitute or form part of, and should not be construed as, an offering of securities or otherwise constitute an invitation, inducement or recommendation to any person to underwrite, subscribe for or otherwise acquire securities in any company within the Experian group (the "Group"). Certain statements made in this presentation are forward looking statements. Such statements are based on current expectations and are subject to a number of risks and uncertainties that could cause actual events or results to differ materially from any expected future events or results expressed or implied in these forward-looking statements. Forward-looking statements speak only as of the date of this presentation. This presentation contains certain non-GAAP financial information. The Group's management believes that these measures provide valuable additional information in understanding the performance of the Group or the Group's businesses because they provide measures used by the Group to assess performance. Although these measures are important in the management of the business, they should not be viewed as replacements for, but rather as complementary to, the GAAP measures. © Experian, 2022. All rights reserved. The word "EXPERIAN" and the graphical device are trade marks of Experian and/or its associated companies and may be registered in the EU, USA and other countries. The graphical device is a registered Community design in the EU. Other product and company names mentioned herein are the trade marks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without the prior written permission of Experian. 53 Experian Public 14 January 2022 experian.