Experian ESG Presentation
Experian ESG presentationOctober 2021
ContentsSection 12Executive SummaryPages 3-13Improving Financial HealthUN Sustainable Development GoalsData – security, accuracy, privacyEmployeesSupply ChainEnvironmentCorporate Governancep16p29p31p42p49p52p59Section 2Detailed ESG informationSection 3Policies and Data tablesPages 65-78AppendixIR contact details, ADR info, calendarPages 79-81 Experian PublicAll data is for FY21 unless otherwise stated. Version as of 18 October 2021.Pages 14-64
Section 1: Executive Summary
Experian’s sustainable business strategyOUR PURPOSE:Our goalsCreating a better tomorrowOUR SUSTAINABLE BUSINESS STRATEGIC PRIORITY:Improving Financial Health for allTHROUGH OURCore products Social Innovation Community InvestmentContributing to the UN Sustainable Development Goals1.48.109.3ENABLED BY:Treating data with respectSecurity Accuracy Privacy TransparencySUPPORTED BY:Inspiring and supportingour people4 Experian PublicWorking with integrityProtecting theenvironmentImproving financial health for all: Reach 100m people through socialinnovation products by 2025 (since 2013) Reach 100m people through United forFinancial Health by 2024 (since 2020)Diversity: By 2024 increase the proportion of womenin our executive committee and directreports to 30%, in our senior leaders to40%, in our mid-level leaders to 42%, andin our total workforce to 47%.Environment: Become carbon neutral in own operations1by 2030 By 2030 cut Scope 1 and 2 emissions by50% and Scope 3 emissions2 by 15% Carbon offset scope 1 and 2 emissionsgradually over the 5 years to h/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 82% of our baseline emissions in Scope 3).2. Purchased goods & services, business travel and well to tank
Improving Financial Health– at the heart of our purposeVital role as the world’s largest credit bureauFinancialeducation The World Bank states that credit bureaus support financialstability, lower interest rates, improve the allocation of new creditand are especially beneficial for small enterprises and newborrowers. We provide lenders with information needed to offer more loans atfairer rates, reducing the cost to borrowers. Extending access to credit helps drive social and economicdevelopment - businesses grow, families transform their lives.Improving financial literacyand confidenceFinancialinclusionIncreasing access tofinancial services We also help people understand, manage and improve theirfinancial situation – and protect themselves and their data.HOW WE HELPPEOPLE IMPROVETHEIR FINANCIALLIVESFinancialmanagementHelping people managetheir financial livesFinancialsecurityOutcome:Preventing fraud andidentity theft Support financial health of individuals, businesses andeconomies Opens door to millions of potential new customers for us andour clients5 Experian PublicWe empower consumers to improve their financial lives, gainaccess to credit, safeguard their identity, save money, negotiatedebt and improve their financial ing-financial-health
Improving Financial Health – the three key ways we help1Core productsWe use our data and analyticsexpertise to offer a wide rangeof core products and services thatpromote financial wellbeing.2Social InnovationThis programme provides seedfunding to explore innovative newsolutions designed to offer societalbenefits and new revenue streams.3Community InvestmentWe deliver financial educationprogrammes and supportcommunities where we operate.6Experian Boost has helped 4.5mpeople2 in USA instantly improvetheir credit scores by adding ontime payments of utility bills to theirfinancial profilesPriority is driving revenue atscale for the business,investments prioritised byreturnsGeleZAR app in South Africa people can improve their financialeducation through fun courses ontheir mobile & build their creditscore even without a bank accountFocus is on number ofpeople reached with financialinclusion products, returnsare secondaryUnited for Financial Healthlaunched to re-build financial livespost COVID-19, reached 35 millionpeople in FY21, beating 15 milliontargetPriority is educating peopleon finances to help drivefinancial inclusion Products Most focussed on returns Less financially excludedSliding scale(generalised characteristics,there are exceptions) Education Most focussed on helping people More financially excludedAs we help people move up the ladder of financial inclusion, more people becomepotential consumers of our core products Experian Public1. Data is for FY21 unless stated2. As at Q4 inancial-health
Improving Financial Health – core product metricsFree consumer members140N AmericaBrazilExperian Boost US customersUK76.71,4001,307116m6110m1005.7Millions of 200 m revenue and EBIT120Millions of peopleConsumer Revenue & EBIT1,00092680060040022m202000.34m0 Experian PublicQ1FY22194218247283FY18FY19FY20FY2100FY16 FY17 FY18 FY19 FY20 FY2171.01Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4FY19 FY20 FY20 FY20 FY20 FY21 FY21 FY21 FY21Figures as at the end of the quarterRevenue and EBIT are Benchmark from Ongoing activitiesRevenue and Benchmark EBIT for FY20 are re-presented for the reclassification to exitedbusiness activities of certain B2B businesses and the reclassification of our ConsumerServices business in Latin America to the Consumer Services business segment.
Improving Financial Health – UN Sustainable Development GoalsGiven our sustainable business strategic priority of Improving Financial Health for all, we have identifiedthree of the SDGs where we can make a meaningful contribution: 8Target 1.4Target 8.10Target 9.3By 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 newtechnology and financial services,including microfinance.Strengthen the capacity of domesticfinancial institutions to encourage andexpand access to banking, insuranceand financial services for all.Increase the access of small-scaleindustrial and other enterprises, inparticular in developing countries, tofinancial services, includingaffordable credit.These specific SDG targets are related to improving access to credit, microfinance and financial services, and we contribute to thesevia our core products, social innovation, and community investment.Target: Reach 100m people through social innovation products by 2025Target: Reach 100m people through United for Financial Health by 2024 Experian -financial-health
Social – Treating data with respectWe aim to be The Consumers’ Bureau.We have built our business on clear commitments to treat data with respect:SafeguardingData SecurityImprovingData AccuracyWe operate a multi-facetedapproach to ensure that datais held securely.We constantly strive toincrease the accuracy of ourdata.This approach focuses onprevention, detection andmitigation.We use data from reputablesources, measure accuracycontinuously, and haveimprovement programmesand processes that quicklycorrect inaccurate data.9 Experian PublicProtectingData PrivacyWe have programmes toevaluate every product andservice to ensure we strikethe right balance betweenconsumers’ privacyexpectations and theeconomic benefit to bothconsumers and g-data-with-respectEnsuringData TransparencyWe offer consumers theability to review the data thatwe hold and, whereappropriate, to opt out offurther processing or sharingof data for particular uses.
Social - EmployeesWe’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 Experiana great place to work.4.2Glassdoor score13040%Employeediversity groupstarget for womenin senior leadersJuly 2021 Great Place to Work surveyproud to tell others that they work at Experian 86% 82% feel good about the ways in which we contribute to the community 90% agree that people are treated fairly regardless of their social and economicstatus, sexual orientation, race and gender10 Experian -and-supporting-our-people1.As at 19 May 2021
EnvironmentWe’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 by50% 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 carbonoffsetting or sequestration for the emissions that can’t be eliminated.Publishscope 1 & 2emissions,& Scope 3air travel11 Experian PublicJune 2020:publishcarbonneutral &offsettingcommitmentsFY21:20% ofscope 1 & 2emissionsoffsetMay 2021:publishsciencebasedtargetJune 2021:publishestimate offull scope 3emissionsPublishdetailedplans toreachcarbonneutralUpdatescope 3estimateswith actualdata100% ofscope 1 & 2emissionsoffset g-the-environment1. 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 82% of our baseline emissions in Scope 3).2. Purchased goods & services, business travel and well to tankCarbonneutral inownoperationsby 2030
GovernanceWe’re committed to the highest standards of corporate governance We report in line 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 ParkerReview on ethnic diversity73%Independent1Board members212 Experian Public1.2.36%2Women on Board2Ethnically diverseBoard with-integrity/corporate-governance/Includes Board Chairman (independent on appointment)Since 1 May 2021 appointment of Jonathan Howell100%Independenceof Audit andRemuneration1Committees
ESG highlightsSocialSupporting UN SDGsEmployees1.4, 8.10, 9.3People using our platforms for freeeducation, access to products & services2116m6.7mConsumers connected to ExperianBoost in the US3Three-year gender diversity targets set35m 64mRevenue from Social InnovationproductsDiversity and inclusion employee groups 7.8bnEnvironment1.7bnCommitted to become carbon neutralin own operations byUnbanked people who could benefitthrough alternative data sources andExperian technology platformsData privacy and security is a top priorityRobust security controls based on ISO 27001Founding member of the Slave-Free AllianceSuppliers must comply with Supply ChainPrinciplesMandatory annual training for all employees:Code of Conduct, Security & data, Anti-Corruption13Glassdoor rating (increased 5 yearsrunning)4Voluntary employee attritionPeople reached by United for FinancialHealthDebt renegotiated via Limpa NomeEmployees proud to work at d target approved by SBTiYesCDP Climate Change score of A-, in theLeadership bandA-CO2e emissions in tonnes5Independent Board members6,773%Female Board members636%Ethnically diverse Board members8Independence of Audit andRemuneration6 committees20%Electricity from renewable sources34%100%Clear division of responsibilitiesbetween the Chairman and CEOYesIndependent external evaluation of theBoard’s performance9YesExecutive remuneration linked toGroup performanceYesVoting rights for shareholders-58%% FY21 scope 1 & 2 emissions offset2A constituent member ofFTSE4Good index since 2012 Experian Public1. FY21 data unless specified 2. As at Q1 FY22 3. As at Q4 FY21 4. As at May 2021 5. Using Market-based scope 2 emissions 6. As at 1 May 2021, following appointment of Jonathan Howell7. Includes Board Chairman (independent on appointment) 8. Meeting Parker Review definition 9. Occurs every 3 years, most recent was FY20Equal
Section 2: Detailed ESG information
Experian ESG overview SocialoOpportunity to significantly advance global financial inclusion, supporting UNSustainable Development Goals 1.4, 8.10, 9.3oData security and privacy is of highest focus, ISO 27001 standardoEmployees – recruiting and retaining top talent; building a high performance,inclusive cultureoSupply chain principles support UN Universal Declaration of Human Rights;member of the Slave-Free Alliance; supplier diversity programmeSupporting the UN SustainableDevelopment Goals EnvironmentooCommitted to carbon neutral1 by 2030, Science Based Target set for 2030.Offsetting Scope 1 & 2 emissions over the 5 years to 2025. CDP score A-.Member of FTSE4GoodESG index since 2012Follow TCFD recommendations and report to CDP Governance:15oIndependent board evaluation shows first class corporate governance andexcellent board performanceoDiverse board meets recommendations of Hampton-Alexander Review on genderdiversity and Parker Review on ethnic diversity Experian Public1. In our own operationsFeatured as a leader in ESG scored in the top 15% of theprofessional services industry
Social - our ESG focus is Improving Financial Health for allOUR PURPOSECreate a better tomorrowFor consumers, clients, our peopleand communitiesOUR BRANDPowering opportunitiesWe unlock the power of data and in doingso, we can help to transform lives12345OUR BELIEFSData is central to how we all live. It has the potential to transform all ourlives.We can unlock the power of data to realise opportunities for people andorganisations.It is how we can help that sets us apart. We place the power of data andour expertise in the hands of our customers, creating opportunities andhelping them plan for a better future with confidence.We can make a difference to society and our communities by helpingpeople make the most of their data.How we work is as important as what we do: we treat everyone fairly andtheir data with respect; we work with integrity, always.We’re helping people take control of their data, improve their financial confidence and transform their lives. Indoing so, we’re enabling people and businesses around the world to thrive – including our own.16 Experian Public
Social - Improving Financial Health – the value of credit bureausHow do credit bureaus benefit consumers, businesses and economies?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 Effective credit reporting systems can mitigate a number of market failures. They reduces problems of adverse selection andasymmetric 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 limitedphysical collateral. Evidence from the financial crisis suggests that positive credit information helped to safeguard the financial access of creditworthyborrowers that would have otherwise been cut off from institutional credit.43% of our revenue came from our credit bureaus in FY2117 Experian r/gfdr-2016/background/credit-bureau
Social - Improving Financial HealthCore productsScale of problemUnbanked adults globally who couldbenefit from alternative data sourcesand Experian technology platforms1.7bnNumber of people in 1bnAsia Pacific without access to formalfinancial servicesPeople with profiles in Experian’sconsumer bureausSocial Innovation1.28bn116mPeople using our consumer platformsfor free education, access to productsand services2Revenue from social innovationproducts in FY21Total revenue from social innovationproducts since FY1328m61m45mConsumers connected to ExperianBoost in the US36.7mTotal people reached since FY13Brazil who don’t use bank accounts45m 5mUS Boost consumers instantly improvedtheir credit scores34.5mTARGET: total people reached by 2025(since re-launch in 2013)Our response% group revenue from Fraud & IDprevention (B2B and B2C)Fraud preventedCore products – scale products, run for profit, usedby large numbers of people to increase access tocredit and educate themselvesPeople helped via Limpa Nome inFY21Value of community investmentEmployee hours volunteeredTARGET: people & business reached byFY24 with United for Financial Healthrecovery program Experian Public2. As at Q4 FY21100m 7.8bn8.3m3.1bnCommunity investmentCommunity investment – employees volunteertheir time and expertise to help deliver financialeducation programmes and other causes relevantto our business1. FY21 data unless specified. 10bnDebt renegotiated via Limpa Nomein FY21Number of credit offers to people inemerging markets using our microanalyticsSocial innovation – innovative, more nicheproducts that aim to offer societal benefits andgenerate new revenue streams for our business1810% 103mPeople reached in FY21USA with no credit profile or unscoreableUK who have no credit history 64m3. As at Q4 FY21 12m21,000100m
Social - Improving Financial Health -1through Core productsWe use our data and analytics expertise to offer a wide range of core products and services that promotefinancial wellbeing.Fairer, faster offersBoost credit scoresB2B products enable lenders to make fairer, faster decisions bygiving them the information they need to offer consumers loans.Ascend Analytical Sandbox has helped over 32m consumers inBrazil.Experian Commercial Acumen, our new Open Data solution inthe UK, makes it faster and simpler for small businesses to applyfor financeExperian Boost has helped 4.5 million people2 in the USA instantlyimprove their credit scores by adding positive data about on-timepayments of utility bills to their financial profiles.In November 2020 we introduced Experian Boost to the UK to helppeople there also improve their credit scores.Understand financial profilesImprove credit visibilityOnline services like Credit Tracker in the USA, CreditExpert in theUK and Serasa Free Score in Brazil offer 110m2 people access totheir credit profiles and expert advice on how to improve it.Many products support the millions of ‘credit invisibles’, excludedfrom mainstream finance because their financial profiles are toothin. Experian Lift, our new service in the USA, draws onextensive data sources to enhance predictions of creditworthiness.In the UK, our Credit Limits service enables consumers to checkthe limit they are likely to be offered before applying for a new creditcard without leaving a mark on their credit report.19Our Atlas platform has the potential to improve access to credit for1bn underbanked people in Asia Pacific. Experian Public1. FY20 data unless specified2. As at Q4 FY21
Social - Improving Financial Health -2through Social InnovationOur Social Innovation programme has reached 61 million people & generated US 103m revenue since 2013It provides seed funding to explore solutions designed to offer societal benefits and new revenue streamsProve identityManage debtsPay for healthcareBuild businessesIndia: Prove-ID Linkconnects our Prove-IDcore product with thegovernment’s UniqueIdentification Database,enabling lenders to verifypeople’s identity for loanapplications even withoutformal documentation.Brazil: Limpa Nomeonline recovery portalhelps people take controlof unmanageable debtUSA: new SocialDeterminants of Healthproduct has connected7.6m to preventativehealthcare to help avoidmajor medical problemsand bills in future.USA: we launched aproduct in FY19 that usesalternative data sourcesto improve prediction ofcommercial credit risk forsmall businesses andenable them to get betteraccess to loans.- Reached 7m people inFY21, 22m since 2014- Helped 8.3m peoplerenegotiate US 7.8bnworth of debts in FY21alone, writing off 6.7bnof debt,Payment Plan Advisorhas providedpersonalised paymentplans for 567,000patients since 2014- Reached 2.4m smallbusinesses over last 3yearsStrengthen creditprofilesIndonesia: PowerScorehas given 180 millionpeople a credit profilefor the first time by usingdata about their mobilephone use.India & SE Asia: workingon a solution to helpfinancially excludedpeople by using bankstatements & emails tobuild financial profiles.TARGET: Reach 100 million people1 through our social innovation products and services by 202520 Experian Public1. FY21 data unless specified2. Since the relaunch of our programme in 2013
Social - Improving Financial Health -3through Community InvestmentIn FY21 our colleagues collectively volunteered 21,000 hours during and outside their work time to help deliverour financial education programmes and support the communities where we operate. A few examples:North AmericaEmployees raised fundsfor health workersresponding to COVID-19and for organisationsconfronting violenceagainst blackAmericans, withadditional donationsfrom Experian.Latin AmericaUsed our data andanalytics to supportdecision-making onpublic health measuresthrough our DataLab’sCOVID Radar initiativein Brazil.Partnered with a localNGO to tackle financialexclusion in Peru.UK & IrelandEMEAAPACPartnership with AgeUK to tackle fraudreached 4,500 over 55s.Promoted ‘Values,Money & Me’ onlineresources to helpfamilies improve theirfinancial confidence.Donated 170k to helpget laptops to kids tosupport home learning.Bulgaria: Mentoreddisadvantaged youngpeople & supportedwomen’s shelter.Norway: educatedyoung entrepreneurs onfinance & careers.South Africa: partneredwith Rhiza Babuyile tooffer coaching for 10township entrepreneurs.Adapted our DynamicAirtime Advance productto enable telco partnersto keep 3.2m connectedduring COVID-19isolation by discountingfees & raising creditlimits.Provided loans of 100 150 each to 10,000microentrepreneurs inIndia.United for Financial Health programme launched to re-build financial lives post COVID-19 crisis21FY21 TARGET: Reach 15 million people & small businesses in FY21. RESULT: 35 millionNEW TARGET: Reach 100 million people & small businesses by FY24 Experian Public
Social - Improving Financial Health What is United for Financial Health?A financial recovery programme helping communities that have beensignificantly affected by COVID-193United for Financial HealthDelivering impactful content with NGO partnershipsWe have a wide rangeof consumer educationresourcesWe will select relevantcontent to build countryspecific curriculumsAppropriate channelsto reach financiallyvulnerableEmpower vulnerable consumers to improve their financial health through educationand actionSocial MediaNorth AmericaReach communities further marginalised by COVID-19, by working with NGOs: lowincome, indebted, unbanked, thin-file, under 25s, minority populations, SMEsBrazilTap into the full range of Experian assets, relationships and influence to innovateUK&IGather additional insight and data to inform product strategies in the futureFoundations for successFY21 TARGET: Reach 15m people & small business - RESULT: 35mNEW TARGET: Reach 100m people & small business by 2024Compliment Consumer Services businesses by reaching vulnerableconsumersMeasure the impact of our partnerships to inform future projects in FY22and beyondDrive United for Financial Health into other markets including EMEA andAPAC in FY2222VideosNGO partners helprepurpose contentfor the consumerswho need itAppsPodcastsInfluencersOutreachWhat’s different about United for Financial Health?Help thosemost inneed due toCOVID-19 Reach consumers or micro-businesses that don’t have a strong relationship withExperian Engage with those most vulnerable and empower them to take action aroundtheir finances Existing content and tools will be built into a curriculum that we can replicate withRepeatableNGO'smodel which Focus global Corporate Responsibility resources on financial recovery ensurescan scaleincreased scaleDrive insightsinto ourbusiness Access to aggregated data and enhanced insight to help our product andinnovation teams better understand vulnerable populations Deeper understanding of vulnerable consumers to inform wider business Experian PublicWatch our video on United for Financial -financial-health/united-for-financial-health
Social - Improving Financial Health – USA financial inclusionHow does Experian support financial inclusion in USA?An estimated 45 million people in the USAhave thin or no credit profiles, and find itdifficult to access mainstream financialservices or must pay a premium to do so.Experian is focussed on improvingfinancial health for all. We’re developinginnovative solutions using alternative datato help more people access credit, as wellas providing education to empower peopleto improve their financial health.EducationExperian.com - Offers millions of people free access to their credit profiles, credit score,expert advice on how to improve their scores, and financial education. 44m4 US membersEducation & Advocacy - we engage with the advocacy community, clients, consumers andemployees to enable financial inclusion. We provide education resources, virtual and inperson training, and outreach through social media. Our Education Ambassador Initiative hastrained 700 employees on credit knowledge so they can volunteer in their communities. Weconnect directly with consumers on social media, including weekly #CreditChat Twitterconversations and #CreditChat live Q&A and interview sessions on Instagram. We had areach of 109m people with #CreditChat on Twitter in Q1 FY22. We support clients to maketheir customer outreach programs more effective and provide better support to consumers.23Innovation and alternative dataExperian Boost - 6.7m1 people have connected to Experian Boost, adding positive data fromon-time payments to their credit profiles (e.g. utility, telephone, Netflix). It’s helped 4.5m1 toinstantly improve their scores and better access credit. See case studyProject REACh - Experian is involved in the OCC’s project REACh2, partnering with lendersto identify new sources of predictive data that can be used to improve access to credit forunderserved and marginalised consumers. Lenders will factor in information (e.g. depositdata) from applicants’ checking or savings accounts at other financial institutions to increasetheir chances of being approved for credit cards.RentBureau - Over 25m3 people have their rental payments recorded on our RentBureau tohelp build up their credit history with on-time rental payments.Clarity Services - largest nationwide, FCRA-regulated specialty credit bureau for short termsmall and installment loans not typically reported to traditional bureaus. Clarity data andanalytics offer greater predictive insights that ensure greater, more inclusive access to creditfor all consumers. Loans reported to Clarity are more common among underserved segments(Black, Latino, low-income, women) than the population as a whole. 60m active consumerrecords, and nearly 1 in 5 people with traditional loans also have inquiries or loans of thistype.Lift PremiumTM - proprietary credit risk score combining advanced analytics with additionalFCRA regulated data sets to score 96% of US adults, including 65% of people previously“credit invisible”. Its unique combination of data and machine learning provide far greaterreach and accuracy than traditional credit scores that rely on insights from mainstream creditdata alone (e.g. mortgages, credit cards, personal loans). It combines: Traditional credit data Trended credit data Data beyond traditional credit data – positive public records data including public licenses(e.g. nurse certification, contractor license etc) Advanced analytics – explainable AI/ML model improving predictiveness across multipledata assets Experian Public1. As at Q4 FY212. OCC Office of the Comptroller of the Currency, REACh Roundtable for Economic Access and Change3. As at FY214. As at Q1 FY22
Social – Boost case study (USA)OverviewMarket contextMedian US household income is c. 70k. c.1/3 people aresub-prime. A subprime credit score could cost a consumerc. 200,000 more in interest over their life1.Exceptional800-850 20%16%Poor300-579Average FICO score is 701However, c.1/3 people haveFair18% 580-669 Poor or Fair scores (subprime)Very Good740-79925%21%Good670-739A free consumer product, first launched March 2019 inUSA. Consumers give us permission to connect to theironline banking accounts; identify utility, telecoms & TVstreaming payments; then add these to their Experiancredit file.After the consumer verifies the data and confirms theywant it added to their Experian credit file, an updatedFICO Score 8 is delivered in real time. A ‘boosted’ creditscore may help lenders to make more informed decisionswhen examining prospective borrowers.Consumer benefitsBoost helps bring more consumers into the credit system,and also gives access to more financial products and atlower interest rates, eg credit cards, car loans, mortgages24Benefit to customers6.7m4.5mConsumers connected to BoostConsumers improved credit scoresFY21FY20Connected to Boost6.7m3.0mScores increased4.5m1.5mAll‘Poor’‘Thin file’customers score band2
Supporting UN SDGs 1.4, 8.10, 9.3 Employees proud to work at Experian 86% Unbanked people who could benefit through alternative data sources and Experian technology platforms 1.7bn People reached by United for Financial Health 35m Debt renegotiated via Limpa
ESG PORTFOLIO EXTENDED SUMMARY REPORT December 03, 2020 Portfolio Benchmark Weighted Avg ESG Score 6.20 6.03 Adjustment ESG Trend Positive 4.74% 15.81% LAGGARD AVERAGE LEADER Distribution of MSCI ESG Fund Ratings Universe Adjustment Total 0.81% 0.88% Score Adjustment 0.05 - ESG Trend Negative 2.02% 7.49% - ESG Laggards 1.91% 7.44% ESG Quality .
stated to apply to ESG ratings providers may apply to ESG data products providers, and vice versa. 1. The term ESG ratings and data products providers, as used in this report, covers providers who offer ESG ratings and/or ESG data products. Where there is a need to single out ESG data products providers who
ESG quality, from the asset allocation mix, a question similarly posed by Schroders [2019]7. DWS Approach to ESG in SAA On the aforementioned point of inclusive versus exclusive ESG SAA approaches, we take the more inclusive approach. First, ‘ESG integration’ as for PRI is primarily a risk
Portion of cases where ESG affected portfolio construction LE 6.1 150/150 Pre-investment phase ESG risk management Compliance processes for negative screening LE 8 200/200 Post-investment phase ESG risk management Incorporation of ESG in regular reviews LE 9 150/150 Post-investment phase ESG risk management Identification of ESG incidents LE .
ESG and financial variables is interpreted as ESG being the cause and financial value the effect, however the transmission can be interchanged. COMPONENTS/CRITERIONS OF ESG: 3 key components of ESG are - Environmental, Social and (corporate) Governance aspects. Since ESG factors are often interrelated, there may be scenarios
Example ESG Switchable Glass Sound Control Data ESG Switchable - Examples of Optical Performance* Thickness Standard Construction ESG Switchable Std dB Rating (Rw) ESG Switchable Acoustic dB Rating (Rw) 10 mm 4 mm Low Iron tempered glass x 1.52 PVB 0.4 mm LCD x 4 mm Low Iron tempered glass 35 37 12 mm 5 mm Low Iron tempered glass .
MOSAIC USA BY EXPERIAN SELECT Documents from the Help MENU From the Documents menu SELECT the Interactive Multimedia Guide to Mosaic USA by Experian. A new browser window will open displaying Experian’s Interactive Multimedia Guide to Mosaic USA. Note: This is an Experian web site, which often takes a few moments to open.
USA KOREA ISRAEL GREECE ROMANIA POLAND BELGIUM FRANCE SPAIN GERMANY DENMARK FINLAND SWEDEN NORWAY UK THE NETHERLANDS REPUBLIC OF IRELAND CZECH REPUBLIC HONG KONG TAIWAN SINGAPORE JAPAN Mosaic Available In Development Experian Mosaic: rich consumer insight for 27 major economies. Experian - Global Intelligence 9 Experian utilises an unrivalled .
