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Special Report: Addressing Racism in America's Financial System 2021 Edelman Trust Barometer U.S

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Special Report: Addressing Racism in America's Financial System 2021 Edelman Trust Barometer U.S Special Report: Addressing Racism in America's Financial System 2021 Edelman Trust Barometer U.S. Online Survey Special Report • 1,500 general population respondents Addressing Racism in America's • All data is nationally representative based on age, region, gender, ethnicity Financial System • Racial and ethnic segments White n=941 Fieldwork: June 11 – June 28, 2021 Black n=505 Latinx n=502 Asian n=515 • All racial and ethnic segments are nationally representative based on age, income, region and gender Demographics across communities White Black Latinx Asian Male 49% Male 47% Male 49% Male 47% Female 53% Margin of error: Female 50% Female 52% Female 49% 18-34 25% 18-34 34% 18-34 39% 18-34 32% • U.S. total margin of error: +/- 2.5% (n=1500) • Ethnicity-specific Data margin of error: 35-54 31% 35-54 34% 35-54 38% 35-54 37% Non-Hispanic White +/- 3.2% (n=941), Black +/- 4.4% (n=505), Latinx +/- 4.4% (n=502), anD Asian +/- 4.3% (n=515) 55+ 44% 55+ 32% 55+ 23% 55+ 31% 2 HISTORICAL CONTEXT 1 2 3 4 Generations of Barriers to Impact on wealth Resilient economic deprivation wealth creation transfer multicultural business $16T 26% 8x $863B GDP loss in the Latinx families least likely to Asian businesses account U.S. economy due to own retirement accounts The wealth of a typical for the most receipts of White family compared to discrimination, since among all Americans multicultural groups Black families (Survey of 2000 (Citigroup) (MagnifyMoney) (Census Bureau) Consumer Finances) 3 Edelman Trust Barometer Special Report: Business and Racial Justice in America FINANCIAL SERVICES RANKS LAST IN ADDRESSING RACISM Percent who say each sector is doing well in addressing racism U.S. general population White Black Latinx Asian - 0 + Sports n/a 44 44 52 41 51 Change, Aug 2020 to Apr 2021 Lowest performing Healthcare n/a 42 44 41 42 41 sector within each community Food and beverage +6 39 39 45 40 36 Technology n/a 37 35 43 43 43 Personal care +3 36 36 41 38 39 Automotive +7 35 36 36 40 34 Pharmaceutical +8 35 34 35 42 36 Financial services +7 33 31 36 40 33 2021 Edelman Trust Barometer Special Report: Business and Racial Justice in America. Q15. How well are each of the following inDustry sectors currently Doing when it comes to aDDressing the problem of systemic racism anD racial inequality in their inDustry? 6-point scale; top 2 box, Doing well. InDustries shown to half of the sample. General population, U.S., anD among Non-Hispanic White, Black, Latinx, anD Asian populations. 4 Edelman Trust Barometer Special Report: Business and Racial Justice in America BUSINESS FALLS SHORT ON CONCRETE ACTION AND SYSTEMIC CHANGE Percent who agree With few exceptions, the business community Companies that issue a statement in support of racial has done very little in the way of concrete equality need to follow it up with concrete actions to address systemic racism in our country action to avoid being seen by me as exploitative or as opportunists U.S. - 0 + U.S. Change, Aug 2020 to Apr 2021 +2 % % 46 53 63 57 55 57 57 53 51 41 0 +4 +8 +6 White Black Latinx Asian White Black Latinx Asian 2021 Edelman Trust Barometer Special Report: Business and Racial Justice in America. Q23. Please inDicate how much you agree or Disagree with the following statements. 9-point scale; top 4 box, agree. General population, U.S., anD among Non-Hispanic White, Black, Latinx anD Asian populations. 5 FINANCIAL SERVICES CUSTOMERS REPORT SYSTEMIC INEQUITIES PERCEIVED SYSTEMIC BIAS AND DISCRIMINATION ACROSS SUBSECTORS, PARTICULARLY AMONG BLACK PEOPLE Percent who agree I think there is systemic bias and discrimination towards certain groups of people within companies in this industry Banks Auto Mortgage Credit card Insurance lenders lenders companies companies 71 62 60 60 54 50% 49 48 45 41 42 43 44 43 34 38 35 32 33 29 30 Wh ite Black Latinx Asian Wh ite Black Latinx Asian Wh ite Black Latinx Asian Wh ite Black Latinx Asian Wh ite Black Latinx Asian 2021 Edelman Money in Color Special Report. Q32/34/35/36/37. Now thinking about specific sectors of financial services, how much Do you agree or Disagree with the following statements about [inDustry]? 4-point scale; top 2 box, agree. Q32 askeD of responDents who have a financial proDuct (Q8/1-23), Q34 askeD of responDents who have a mortgage or real estate (Q8/11, 18), Q35 askeD of responDents who have a creDit carD (Q8/1), Q36 askeD of responDents who have a life insurance policy (Q8/9), Q37 askeD of responDents who have an auto loan (Q8/22) General population, U.S., and among Non-Hispanic White, Black, Latinx anD Asian populations. 7 DIFFERENT TRUST LEVELS ACROSS SUB-SECTORS Percent trust Distrust Neutral Trust 73 60 57 52 47 44 Banks Credit cards Property/casualty Financial Mortgage Auto insurance advisory lending lending % Diff vs gen pop White 76 +3 63 +3 62 +5 55 +3 49 +2 46 +2 Black 69 -4 56 -4 50 -7 49 -3 49 +2 43 -1 Latinx 64 -9 55 -5 47 -10 49 -3 40 -7 37 -7 Asian 78 +5 73 +13 61 +4 60 +8 52 +5 45 +1 2021 Edelman Money in Color Special Report Q29. Below is a list of financial services subsectors. Please inDicate how much you trust each subsector to Do what is right. 9-point scale; top 4 box, agree. General population, U.S., anD among Non-Hispanic White, Black, Latinx anD Asian populations 8 BLACK AND LATINX COMMUNITIES PERCEIVE PREJUDICE IN CREDIT CRITERIA Percent who agree I feel that the credit criteria used by companies in this industry to determine eligibility or pricing are biased or discriminatory Banks Auto Insurance Mortgage Credit card lenders companies lenders companies 73 68 64 62 63 54 54 50% 44 47 47 44 44 43 39 41 43 42 41 35 34 Wh ite Black Latinx Asian Wh ite Black Latinx Asian Wh ite Black Latinx Asian Wh ite Black Latinx Asian Wh ite Black Latinx Asian 2021 Edelman Money in Color Special Report. Q32/34/35/36/37. Now thinking about specific sectors of financial services, how much Do you agree or Disagree with the following statements about [inDustry]? 4-point scale; top 2 box, agree. Q32 askeD of responDents who have a financial proDuct (Q8/1-23), Q34 askeD of responDents who have a mortgage or real estate (Q8/11, 18), Q35 askeD of responDents who have a creDit carD (Q8/1), Q36 askeD of responDents who have a life insurance policy (Q8/9), Q37 askeD of responDents who have an auto 9 loan (Q8/22) General population, U.S., anD among Non-Hispanic White, Black, Latinx anD Asian populations. HIGH LEVELS OF DISTRUST FOR FINANCIAL SERVICES PROFESSIONALS Percent who trust each of the following people with regards to their financial well-being Distrust Neutral Trust 59 58 57 46 44 43 39 32 Bank Tax Financial Credit card Personal Mortgage lender Auto-lender CEOs of a employees accountants advisors company insurance employees employees financial employees employees services company % Diff vs gen pop White 62 +3 63 +5 61 +4 50 +4 45 +1 45 +2 40 +1 33 +1 Black 55 -4 52 -6 47 -10 45 -1 43 -1 41 -2 37 -2 33 +1 Latinx 52 -7 52 -6 52 -5 38 -8 43 -1 41 -2 33 -6 36 +4 Asian 63 +4 66 +8 59 +2 55 +9 46 +2 45 +2 41 +2 36 +4 2021 Edelman Money in Color Special Report Q30. Below is a list of people. Please inDicate how much you trust each to Do what is right when it comes to your financial well-being. 9-point scale; top 4 box, agree. General population, U.S., anD among Non-Hispanic White, Black, Latinx anD Asian populations. 10 DUAL REALITIES IN THE FINANCIAL SERVICES SECTOR FINANCIAL SERVICES ASSIGNS TWO VERY DIFFERENT CUSTOMER EXPERIENCES Percent who have had one or more negative experiences with financial services companies General population High income respondents (100k+) List of negative experiences include: An employee talked doWn to me White Black Latinx Asian I felt that no one there cared to get to know me as a person I felt I needed to change my appearance to be taken seriously 68 I had to supply more proof of my employment than was necessary 58 55 49 I felt ignored or not seen at a physical location 44 41 No one had a similar cultural background to me 34 36 I was given higher rates or fees because of the color of my skin 2021 Edelman Money in Color Special Report Q39. Which of the following, if any, have you experienceD Dealing with financial services companies before? Please select all that apply. General population, U.S., and among Non-Hispanic White, Black, Latinx anD Asian populations. 12 FEELING EXPLOITED AND UNWELCOME Four categories of negative experiences that high income ($100k+) respondents perceive, including instances of exploitation, mistrust, condescension, and feeling unseen Type of Negative Experience White Black Latinx Asian Being Exploited I was given higher rates or fees because of the color of my 5 26 5 3 skin Being Mistrusted I had to supply more proof of my employment than I thought 9 25 17 8 was necessary Condescension An employee talked down to me 12 17 22 8 Feeling Unseen Most likely to perceive 11 14 16 18 each type of I felt that no one there cared to get to know me as a person negative experience 2021 Edelman Money in Color Special Report Q39.
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