Looking Ahead - Thoughts for 2023

Business Update Through January 21st Year-over-year growth %¹ Current period as a percentage of 20191,2 2022 2022 2023 Jan 21 Q3 Oct Nov Dec Q4 Q3 Oct Nov Dec Q4 MTD Switched volume³ 18% 15% 14% 14% 14% 21% 154% 158% 157% 153% 156% United States 12% 10% 10% 8% 9% 13% 145% 148% 145% 140% 144% Worldwide less U.S. 22% 20% 18% 19% 19% 27% 162% 167% 168% 164% 166% Switched transactions 9% 9% 8% 8% 8% 12% 142% 146% 143% 140% 143% 3 Cross-border volume 44% 34% 27% 32% 31% 42% 140% 143% 146% 140% 143% Intra-Europe 36% 24% 21% 27% 24% 38% 152% 151% 156% 148% 151% Other Cross-border 53% 45% 34% 37% 38% 46% 128% 136% 138% 134% 136% XB CNP ex travel XB Travel (CP + CNP travel) 13% 9% 8% 7% 8% 10% 174% 175% 180% 162% 172% 73% 60% 52% 65% 59% 84% 124% 126% 125% 126% 126% 3. Mastercard-branded programs only; on a local currency basis. 1. Normalized to eliminate the effects of differing switching and carryover days between periods, as needed. 2. Represents volume or transactions expressed as a percentage of the comparable 2019 amounts, adjusted for currency impacts. January 26, 2023 8 2022 Mastercard

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