#1⚫experian TM Investor Roadshow Presentation July-September 2021 ©2021 Experian Information Solutions, Inc. All rights reserved. Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are the trademarks 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. Experian Public. 709#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: . £28.5bn market cap* / FTSE top 25* • 17,800 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 15 July 2021.#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 116m 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#5A force for good in society during the pandemic, and powering the road to recovery Data for Good United for Financial Health • . • Made data insights available to governments, health services, charities Worked with lenders and governments to establish financial support and help vulnerable communities Financial education to support those hit hardest by COVID-19 crisis Reached 35 million people Committed to supporting our people One-off share-based 'Thank-you' recognition award for eligible Experian employees • People First • 5 Experian Public experian#6Experian business activities - our services Business-to-Business (B2B) 6 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 • 13 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$1.3bn Direct to consumer credit monitoring Credit matching services / lead generation Identity theft protection services Affinity (white label) credit and identity monitoring services Revenue for year ended 31 March 2021. experian.#7- Experian business activities – how we help Business-to-Business We help businesses to identify and understand their customers. We can help them to: • lend effectively, responsibly and appropriately; manage credit risk and minimise the risk of fraud; better understand and communicate with customers; • enhance their customer's experience with them; • better understand their markets and allocate resources. They benefit from easier and faster access to more information, more accurate results, and more precise decisions. Consumer Services We help people and families to: . better access financial services; • understand and improve their financial position; • better protect against fraud and identity theft; know that their data is correct, and learn more about credit. 7 Experian Public experian.#8Global revenue FY21 Financial Services. Direct to consumer. Health. Retail. Software and Professional Services. Automotive. Insurance. Telecoms and Utilities. Media and Technology. Government and Public Sector. By region By business activity EMEA/Asia Pacific UK and Ireland Latin America 14% 12% 9% 65% North America g Consumer Services 24% By customer 3% 3% 4% 4% 4% 5% 5% 7% 54% Decisioning 22% Data Business-to-Business 76% 38% 10% 17% ■ Other. Diverse portfolio by region, business activity and customer#9Market leader with unparalleled global reach and range Global revenue US$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% 1,2954 1.000 79%* 32% 84% 68% 0 Experian Equifax TransUnion D&B FICO ■North America ■Other regions 3 Adjusted revenue based on pro forma 12m ended 31/12/2020 *US only. 1 Year ended 31 March 2021 9 Experian Public 2 Year ended 31 December 2020 4 Year ended 30 September 2020 Source: Annual results & latest SEC filings This analysis covers traditional competitors that are publicly listed. It does not include companies where a single division competes against Experian. experian#10Our addressable market opportunities are significant and growing; market drivers intact since COVID Growing US$130bn+ market opportunity COVID-19 has catalysed existing trends Big Data & Analytics Identity authentication & Fraud US$50bn+ W US$20bn+ Consumer identity solutions US$16bn and marketplaces Consumer Information US$14bn Business Information US$11bn Health US$10bn Decisioning US$9bn 10 Experian Public Digital explosion Digital journeys and workflows Automation and productivity Fraud Our strategic focus areas remain relevant Make credit and lending simpler, faster and safer Empower consumers to improve their financial lives Help businesses verify identity and combat fraud Help organisations in specialised verticals harness data and analytics Enable businesses to find and connect with audiences experian#11Well-defined strategic priorities underpin our growth ambitions hl Consumer Information Global platforms Consumer Consumer consent and open data Ascend Experian One Open Data PowerCurve Global expansion Big three geographies Areas driving significant revenue and profit growth • Ascend global expansion +Use cases + Verticals + Countries New transformational concepts + Verticals Smaller regions Brazil Focused expansion across: One Experian EMEA • Positive data Health Automotive Innovation Diversification Asia Pacific Mortgage • Verification and Scale Operating Spanish Latin America Employment Services ⚫ Business diversification into new verticals Decisioning, fraud and analytics • Consumer Services efficiency 11 Experian Public#12Growing Consumer Services business Millions of people Free consumer members North America 120 100 80 60 60 40 40 20 20 22m Brazil 40m 75m UK 82m Consumer Revenue & EBIT Revenue 1,400 110m 1,200 EBIT 1,307 1,127 985 1,000 926 4m 0 FY16 FY17 FY18 FY19 FY20 FY21 12 Experian Public * US$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.#13ESG - 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: 1 POVE M POVERTY DECOR כוונון M LEMENT 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 13 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#14FY21 strategic progress 14 Experian Public Bexperian.#15Investing in critical growth initiatives and extending our global reach Organic investment • People First • Marketing investment drives scale in Consumer Services • New products - 158 innovations went live, 266 started with future go-live dates • Technology migration to distributed framework utilising the cloud 15 Experian Public Acquisitions and venture Bureau assets: arvato BERTELSMANN Financial Solutions axesor • Fraud and identity TAPAD BrScan • management: New verticals: • Emptech, Corporate Cost Control and TCC (Verification and employment services) • Brain.ag (agribusiness, Brazil) • Venture: US$120m gain on stake in Finicity experian.#16An outstanding year of progress in North America driven by innovation and strong execution Unsecured credit starts to recover North America unsecured lending volumes - 2019-2020 - 2020-2021 Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May • Volume for unsecured credit recovering at top customers • ⚫ Lenders start to re-activate acquisition programmes • Mortgage a modest headwind in FY22 16 Experian Public Innovation-led growth 15 new North America Ascend logos New Ascend modules perform well, including Data Services, Marketing and Account Management, and rolling out Ascend Intelligence Services Accelerating shift of decisioning software from on-premise as applications are delivered in the cloud through Experian One Health Adds new logos Increases contracted bookings Significant progress across patient scheduling, identity verification and care management experian.#17North America trends B2B revenue +4% Consumer Services revenue +16% US$1,075m US$2,455m US$2,321m (3)% US$926m Other (13)% Partner solutions +6% Targeting +5% Health 0% +32% Lead generation Automotive Mortgage +50% FY20 0% Non-mortgage bureaux FY21 17 Experian Public Note: Percentages quoted are organic revenue growth rates FY20 Credit and identity subscription +19% FY21 experian#18North America Consumer Services - our brand grows in power and reach Total login volume Free members Average number of Overall upsell rate* Free members experion ✓ PRE-APPROVED & logins per month per customer Free members 90 Chase Freedom Unlimited Compare Card INTRO BONUS 176 Reviews CreditMatch © What's th Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. ONGOING APR 14.99%-23 74% Variable REWARDS 1.5%-5% (Cashback) Lender integrations Consumers benefit from pre-approved offers generated through integrated partner relationships ANNUAL FEE SI FY17 FY18 FY19 FY20 FY21 More customers are engaged FY17 FY18 FY19 FY20 FY21 FY17 FY18 FY19 FY20 FY21 Customers are engaged more often More customers are invested 41m free memberships, up by over 10m year-on-year 18 Experian Public *Rate of consumers upgrading to one of our paid membership products Unlock Offer & Full Detalls experian#19Brazil trends Brazil B2B organic revenue growth 16% 8% 9% 10% 0% 6% 2% (3%) Momentum from recovery in credit bureau volumes in recent months Growth in volume of enquiries due to positive data attributes and scores, expected to continue into FY22 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 • Diversification of B2B business continues FY20 FY21 140 120 100 € 80 BRL 'm 60 40 20 Brazil B2C organic revenue in BRL י Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 FY19 FY20 FY21 19 Experian Public Latin America organic revenue growth of 144% in FY21 Free membership base grew to 59m, compared to 45m in FY20 • Growth from Limpa Nome Online; launch of Score Turbo service experian.#20Latin America – positive data proliferation in Brazil and Consumer Services more than doubles revenue Business to business Signed major new, multi-year agreements with large lenders with increased share of wallet ☐ " . Positive data contribution grows as demand rises for more precise credit risk assessment. New positive data offers introduced • A truly unique Consumer offer Brazil financial audience share %1 Experian Ascend signs 12 new clients across Latin America 20% 10% 10% Caixa 10% 6% Serasa Bradesco Itaú Santander Nubank 9% B2B diversifying into new verticals Brazil Financial Services lending volumes 2019-2020 - 2020-2021 Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May 20 20 Experian Public Brazil enrolments (million)2 52% 22 32 45 59 11 FY17 FY18 FY19 FY20 FY21 1. November 2020 2. March 2021#21UK and Ireland: transformation on track, back to growth in Q4 21 Experian Public LET'S GET MONEY POSITIVE experian. Transformation translating into improved outcomes: • Improved customer satisfaction, employee engagement and service Strong market win rate, including new logos Business pipeline up year-on-year Strategic wins for Ascend Very strong CrossCore uptake • Lending market starts to re-open • Significant rebound in Consumer Services in H2 • Free memberships up by 2m to 9.5m Encouraging reception for Experian Boost experian#22EMEA/Asia Pacific - performance impacted by the pandemic; new bureaux bring scale Lockdowns impacted bureau volumes; clients hesitated to spend on new software implementations Pandemic is creating a market-shift; clients are ready to adopt cloud-based technologies Concentrating efforts on markets where we have a path to scale; driving more profitable growth New bureaux in Germany and Spain have got off to a strong start 22 22 Experian Public experian#23Recent performance - Q1 FY22 23 23 Experian Public Bexperian.#24Recent performance Highlights FY21 Growths Constant FX rates Actual FX rates Total revenue 7% 4% Results USD US$5,357m 28% Q1 FY22 Growths Constant FX rates Actual FX rates 31% Revenue Organic revenue 4% 22% Benchmark EBIT growth 3% 0% $1,385m EBIT Benchmark EBIT margin 25.9% EPS Benchmark EPS growth 4% 0% 103.1c Operating cash flow Benchmark operating cash flow conversion 106% $1,476m Benchmark operating cash flow growth 22% Dividend Total dividend per share growth 0% 47.0c Funding and liquidity Net debt to benchmark EBITDA 2.2x Certain financial data have 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 growths and Benchmark EBIT margin are on an ongoing activities basis. 1 As at 31 March 2021. 24 Experian Public experian#25Recent performance Q1 trading trends % of group revenue1 Q1 organic revenue growth² North America 65% 22% CI/BI bureaux 25% 20% Data Automotive 5% 11% Targeting 2% 32% Health 8% 19% Decisioning DA / Other 5% 14% Consumer Consumer Services 20% 28% Latin America 12% 25% CIBI bureaux 8% 17% Data Other 1% (6)% Decisioning DA / Other 2% 34% Consumer Consumer Services 1% 107% 1 Percentage of group revenue calculated based on FY21 revenue at actual rates. 25 Experian Public 2 Constant currency. CI - Consumer Information. BI - Business Information. Ascend revenue is largely recognised in CI bureau. Mortgage is in Cl bureau. experian#26Recent performance Q1 trading trends % of group revenue1 Q1 organic revenue growth² UK and Ireland 14% 20% CI/BI bureaux 5% 19% Data Targeting Other 2% 21% Decisioning DA / Other 4% 8% Consumer Consumer Services 3% 37% EMEA/Asia Pacific 9% 19% EMEA 5% 26% Asia Pacific 3% 10% Total Global 100% 22% 26 Experian Public 1 Percentage of group revenue calculated based on FY20 revenue at actual rates. 2 Constant currency. experian#27Modelling considerations for FY22 Organic growth Acquisitions1 EBIT margin Foreign exchange Net interest Benchmark tax rate WANOS² Capex OCF3 conversion Share repurchases 27 Experian Public 1 At constant exchange rates. 2 Weighted average number of shares 3 Operating cash flow 9 - 11%* 3- 4% contribution to growth Strong margin progression Neutral to Benchmark EBIT US$115m US$120m - c.26-27% c.915m c.9% of revenue >90% US$150m Updated as at 15 July 2021 experian.#28Environmental, social and governance (ESG) 28 Experian Public Bexperian.#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 K 8 LRCX EX-1-3 H..THE 1.4 8.10 9.3 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 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 operations by 2030 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 5 years to 2025 ENABLED BY: Treating data with respect Security | Accuracy | Privacy | Transparency Inspiring and supporting our people Experian Public SUPPORTED BY: Working with integrity 1 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 https://www.experianplc.com/responsibility/sustainable-business/#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 120 ■ N America ■ Brazil UK 7 110m Millions of people 100 80 60 60 60 40 40 22m 20 20 4m 0 40m 57m 82m FY16 FY17 FY18 FY19 FY20 FY21 32 32 Experian Public Millions of people 6 5 + 3 2 3.0 2.3 1.7 4.0 4.9 Consumer Revenue & EBIT 6.7 1,400 1,307 1,127 985 1,000 926 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 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.#3333 33 Social - 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. Experian Public experian.#34Social - 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. =4 34 Experian Public 4.2 +5% Glassdoor score1 I am proud to work at Experian 1. As at 19 May 2021 30 Employee diversity groups 40% target for women in senior leaders experian.#3535 55 Governance 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 Experian Public 73% Independent¹ Board members² 36% Women on Board² 1. Includes Board Chairman (independent on appointment) 2. Since 1 May 2021 appointment of Jonathan Howell 2 Ethnically diverse Board members 100% Independence of Audit and Remuneration¹ Committees experian#36Environment We've committed to become carbon neutral in our own operations by 2030 We have set a Science Based Target that by 2030 we will reduce Scope 1 and 2 emissions by 50% and Scope 3 emissions 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 36 Experian Public FY21: map Scope 3 emissions FY21: 20% of Scope 1 & 2 emissions offset 1 Purchased goods & services, business travel and well to tank Carbon emissions data can be found in section 3 Publish May 2021: Publish Science Based Target Refine detailed estimates of plans to full Scope 3 emissions reach carbon neutral https://www.experianplc.com/responsibility/carbon-neutral-commitment/ 100% of Scope 1 & 2 emissions offset by 2025 Carbon neutral in own operations by 2030 experian#37ESG highlights Environment Social Governance Committed to become carbon neutral 2030 in own operations by Number of credit offers to people in emerging markets using our micro 3.1bn Independent Board members 6,7 73% Science Based Target set for 2030, in process of SBTI validation analytics Yes Female Board members6 36% CDP Climate Change score of A-, in the Leadership band A- Unbanked people who could benefit through alternative data sources and Experian technology platforms 1.7bn Ethnically diverse Board members8 2 CO2 emissions in tonnes² -58% People using our platforms for free education, access to products and services4 Independence of Audit and 116m 100% Remuneration committees % FY21 scope 1 & 2 emissions offset 20% Clear division of responsibilities Yes Electricity from renewable sources 34% Consumers connected to Experian Boost in the US5 6.7m between the Chairman and CEO Independent external evaluation of the Employees Glassdoor rating (increased 5 years running)³ Three-year gender diversity targets set Data privacy and security is a top priority Robust security controls based on ISO 27001 A member of the Slave-Free Alliance Suppliers must comply with our Supply Chain Principles 4.2 Yes Voluntary employee attrition 10.1% • Diversity and inclusion employee groups 30 37 Experian Public Mandatory annual training for all employees: Code of Conduct Security and Data Anti-Corruption 1. FY21 data unless specified. 2. Using Market-based scope 2 emissions 3. As at May 2021 4. As at Q1 FY22 5. As at Q4 FY21 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 Board's performance⁹ Yes Executive remuneration linked to Yes Group performance Voting rights for shareholders Equal A constituent member of FTSE4Good index since 2012 FTSE4Good#38Appendix 38 Experian Public Bexperian.#39Investment in technology and innovation FY17 FY18 FY19 FY20 FY21 New and key scaling products revenue (US$m) Capex 399 431 439 487 422 US$m 678 Capex % 9% 9% 9% 9% 8% of revenue Capital investment breakdown (%) Product Development 20% 24% 28% 33% 41% Infrastructure 32% 31% 34% 31% 25% 108 Data 48% 45% 38% 36% 34% 39 Experian Public 213 359 537 FY17 FY18 FY19 FY20 FY21 FY17 FY18 FY19 FY20 FY21 Consumer: ID Works Lead generation Brazil consumer B2B: PowerCurve suite Ascend CrossCore Health, new products Auto, new products experian.#40North America Year ended 31 March US$m Total Organic 2021 2020 Q1 FY22 Organic growth growth growth Data Decisioning 1,761 1,642 7% 5% 20% 694 679 2% 2% 17% Business-to-Business 2,455 2,321 6% 4% 19% Consumer Services 1,075 926 16% 16% 28% Total revenue 3,530 3,247 9% 7% 22% Benchmark EBIT - ongoing activities 1,201 1,093 10% Benchmark EBIT margin 34.0% 33.7% 40 40 Experian Public All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. experian#41Latin America Year ended 31 March US$m Total Organic 2021 2020 growth growth Q1 FY22 Organic growth Data Decisioning Business-to-Business 457 578 1% 1% 16% 92 114 2% 2% 34% 549 692 1% 1% 18% Consumer Services 76 40 144% 144% 107% Total revenue 625 732 9% 9% 25% Benchmark EBIT - ongoing activities 172 220 4% Benchmark EBIT margin 27.5% 30.1% All results are Benchmark figures and are on an ongoing activities basis. 41 Experian Public Growth at constant exchange rates. The results for the year ended 31 March 2020 have been re-presented following the reclassification of our Consumer Services business in Latin America to the Consumer Services business segment; previously our Consumer Services business in this region was not sufficiently material to be disclosed separately. experian.#42UK and Ireland 42 Experian Public Year ended 31 March US$m Total Organic 2021 2020 growth growth Q1 FY22 Organic growth Data Decisioning Business-to-Business 361 367 (5)% (5)% 20% 220 227 (7)% (7)% 8% 581 594 (6)% (6)% 15% Consumer Services 156 161 (6)% (6)% 37% Total revenue 737 755 (6)% (6)% 20% Benchmark EBIT - ongoing activities 122 173 (34)% Benchmark EBIT margin 16.6% 22.9% All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. Revenue and EBIT has been re-presented for the reclassification to exited business activities of certain B2B businesses. experian#43EMEA/Asia Pacific 23 43 Experian Public Year ended 31 March US$m Total Organic 2021 2020 growth growth Q1 FY22 Organic growth Data 287 213 32% (8)% 23% Decisioning 178 214 (18)% (20)% 14% Total revenue 465 427 7% (14)% 19% Benchmark EBIT - ongoing activities (20) 12 (232)% Benchmark EBIT margin (4.3)% 2.8% All results are Benchmark figures and are on an ongoing activities basis. Growth at constant exchange rates. Revenue and EBIT has been re-presented for the reclassification to exited business activities of certain B2B businesses. experian#44Benchmark EBIT margin (50) bps trading impact at constant currency 0.1% 26.9% (0.1)% 26.8% (0.9)% Exited activities Acquisitions 0.5% (0.2)% 26.1% (0.2)% (0.1)% 25.9% B2B Consumer Services Central Activities Segmental mix impact FX FY20 reported Benchmark EBIT margin FY20 restated Benchmark EBIT margin 44 Experian Public EBIT margins calculated on an ongoing activities basis. FY21 Benchmark EBIT margin before FX FY21 reported Benchmark EBIT margin experian.#45Benchmark earnings per share (EPS) 45 45 USC 103.0 FY20 reported Benchmark EPS Experian Public +3% Constant currency growth FY21 Benchmark EBIT growth from continuing operations Tax and Interest minority interest Share issues +4% EPS constant currency growth 0% EPS actual currency growth Foreign exchange USC 103.1 FY21 Benchmark EPS before FX FY21 reported Benchmark EPS experian#46Reconciliation of Benchmark to Statutory PBT Year ended 31 March US$m 2021 2020 Growth % (actual rates) Growth % (constant rates) Benchmark profit before tax 1,265 1,255 1 5 Amortisation of acquisition intangibles (138) (124) Asia Pacific non-cash impairment of goodwill (53) Gain on disposal - Finicity 120 Restructuring (50) Other items¹ (72) (78) Statutory profit before tax before non-cash financing remeasurements 1,072 1,053 2 Non-cash financing remeasurements 5 (111) Statutory profit before tax 1,077 942 14 46 Experian Public 1 Includes non-benchmark items related to associates PBT = profit before tax experian...#47Very strong cash generation 106% US$m conversion of Benchmark EBIT into Benchmark operating cash flow 55 1,386 (418) 453 Working capital and other 1,476 Benchmark EBIT Net capital expenditure Amortisation and depreciation 47 Experian Public As at 31 March 2021 Benchmark operating cash flow ● • • Strong cash flow generation and conversion. Strong consumer growth with shorter working capital cycle Strong receivables collections, including catch up from FY20 Discipline in capital expenditure Depreciation and amortisation increasing from investment in previous years experian.#48FY21 capital framework 48 48 US$m Strong funding position Acquisitions and minority investments 2,650 Undrawn committed facilities US$0.7bn short term facilities expiring in FY23 and FY24 • US$1.95bn bank facility maturing FY26 US$m Capital summary 1,600 1,400 Reduction in Net Debt and other 1,200 1,000 800 Funds from Operations 1 600 Dividends 400 200 0 Cash generated Uses of cash Bond maturities 800 600 3,962 400 Bonds 200 Organic capital investment Experian Public 1 Funds from Operations is defined as Benchmark free cash flow plus organic capital investment (capital expenditure). FY22 FY23 FY24 FY25 FY26 FY27 FY28 FY29 FY30 FY31 FY32 FY33 experian.#49Experian American Depositary Receipt (ADR) programme ADR shareholder enquiries: Experian ADR shares trade on the OTCQX: Shareholder Relations BNY Mellon Shareowner Services PO Box 505000 Louisville, KY 40233-5000 United States T: +1 201 680 6825 (From the US: 1-888-BNY-ADRS, toll free) E: [email protected] W: www.mybnymdr.com 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 BNY Mellon 49 49 Experian Public experian.#50Contacts Experian +44 (0)203 042 4200 www.experianplc.com/investors [email protected] Nadia Ridout-Jamieson Chief Communications Officer [email protected] Wilna de Villiers Investor Relations and Communications Manager [email protected] Evelyne Bull VP Director, Investor Relations [email protected] Alex Sanderson Financial Reporting Manager [email protected] 50 50 Experian Public experian.#51Event calendar 21 July 2021 Annual General Meeting 17 November 2021 14 January 2022 Interim results, H1 FY22 Trading update, Q3 FY22 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, 2021. 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. 51 Experian Public 15 July 2021 experian.