Looking Ahead - Thoughts for 2023

4th Quarter Selected Financial Performance ($ in millions, except per share data) Net revenue Adjusted operating expenses Adjusted operating income Adjusted operating margin Adjusted net income Adjusted diluted EPS Adjusted effective tax rate Note: See Appendix A for Non-GAAP reconciliation. 4Q 22 4Q 21 YOY Growth Non-GAAP Non-GAAP As adjusted Currency-neutral $ 5,817 $ 5,216 12% 17% 2,617 2,389 10% 13% 3,200 2,827 13% 19% 55.0 % 54.2 % 0.8 ppt 1.3 ppt 2,548 $ 2,314 10% 16% $ 2.65 $ 2.35 13% 19% 18.2% January 26, 2023 14.7 % 3 ©2022 Mastercard

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