Looking Ahead - Thoughts for 2023

Appendix D Business Update Through January 21st Excluding Russia¹ Year-over-year growth %² Current period as a percentage of 20192,3 2022 2023 2022 Jan 21 Q3 Oct Nov Dec Q4 Q3 Oct Nov Dec Q4 MTD 4 Switched volume" 23% 21% 20% 19% 20% 26% 160% 165% 164% 159% 163% United States 12% 10% 10% 8% 9% 13% 145% 148% 145% Worldwide less U.S. 34% 31% 29% 30% 30% 37% 175% 183% 140% 144% 182% 176% 180% Switched transactions 19% 19% 18% 17% 18% 22% 153% 157% 154% 151% 154% Cross-border volume⭑ 4 50% 40% 33% 37% 37% 48% 144% 148% 151% 144% 148% Intra-Europe 38% 27% 23% 29% 26% 40% 154% 153% 157% 149% 153% Other Cross-border 64% 55% 44% 45% 48% 56% 135% 143% 146% 141% 143% XB CNP ex travel 17% 14% 12% 11% 12% 14% 179% 180% 184% 165% 176% XB Travel (CP + CNP travel) 80% 67% 59% 71% 66% 92% 129% 131% 130% 130% 130% 1. Starting in the first quarter of 2022, as a result of imposed sanctions and the suspension of our business operations in Russia, we have provided adjusted growth rates for our key operating metrics excluding activity from Russian issued cards from the prior periods. 2. Normalized to eliminate the effects of differing switching and carryover days between periods, as needed. 3. Represents volume or transactions expressed as a percentage of the comparable 2019 amounts, adjusted for currency impacts. 4. Mastercard-branded programs only; on a local currency basis. January 26, 2023 15 ©2022 Mastercard

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