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Investor Presentaiton

Non-Transaction Operating Expenses declined 12% Spend optimization across all areas . 31% 23% 20% 8% (12%) Non-Transaction Opex Growth (y/y) 78% (2%) (9%) 26% 6% (9%) Q1-21 Q1-22 Q1-23 7% 7% ―% Total Non- Transaction Opex Technology & Development (29%) Sales & Marketing Customer Support & Operations General & Administrative Non-transaction related expenses declined 12% vs. Q1-22, driven by an increased focus on cost control with leverage across sales & marketing (-29%), customer support & operations (-9%), technology & development (-9%), and general & administrative (0%) Non-GAAP expenses presented on a non-GAAP basis are non-GAAP financial measures. Please see the Supplemental Information for a reconciliation of these non-GAAP financial measures to the most directly comparable GAAP financial measures. PayPal ©2023 PayPal Holdings, Inc. Q1-23 Investor Update ⚫ 16
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