MasterCard : 2021 Q4 Supplemental Materials

Supplemental Operational Performance Data

Set forth below are tables that provide supplemental information regarding the operational performance results for the three months ended December 31, 2021, as well as the prior eight quarterly reporting periods for the payment programs of Mastercard Incorporated and its consolidated subsidiaries, including our operating subsidiary, Mastercard International Incorporated (collectively, "Mastercard").

1. Branded Volume and Transactions

The tables below set forth the gross dollar volume ("GDV"), purchase volume, cash volume and the number of purchase transactions, cash transactions, and cards on a regional basis for Mastercard™-branded cards. Growth rates over prior periods are provided for volume-based data.

GDV ($ Billions)

All Mastercard Credit,

	Charge, Debit and Prepaid Programs	Q4'19	Q1'20	Q2'20	Q3'20	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21		FY 2020	FY 2021
	APMEA	$517	$470	$405	$481	$528	$515	$528	$535	$579		$1,884	$2,157
	Canada	49	41	39	45	49	44	54	56	61		173	214
	Europe	532	467	397	519	533	502	594	661	683		1,917	2,440
	Latin America	123	107	73	88	108	103	111	122	138		376	475
	Worldwide less United States	1,220	1,085	914	1,133	1,218	1,165	1,287	1,374	1,460		4,350	5,286
	United States	507	479	463	513	528	544	619	618	652		1,983	2,433
	Worldwide	1,728	1,563	1,377	1,647	1,747	1,709	1,906	1,992	2,113		6,333	7,720
	Mastercard Credit and Charge Programs
	Worldwide less United States	601	528	435	523	560	531	582	622	659		2,045	2,394
	United States	254	227	184	215	238	227	276	292	319		865	1,113
	Worldwide	854	755	619	738	798	758	858	914	978		2,910	3,507
	Mastercard Debit and Prepaid Programs
	Worldwide less United States	620	557	479	610	659	634	705	752	802		2,305	2,892
	United States	254	251	278	298	290	317	343	326	334		1,118	1,320
	Worldwide	874	808	758	909	949	951	1,048	1,078	1,135		3,423	4,212
	GDV Local Growth
	All Mastercard Credit,
	Charge, Debit and Prepaid Programs	Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21		FY 2020	FY 2021
	APMEA	11.9%	5.8%	-11.8%	-1.4%	-0.4%	5.0%	22.2%	9.4%	11.8%		-1.9%	11.8%
	Canada	5.1%	4.1%	-12.5%	-2.9%	-0.6%	2.5%	23.5%	16.8%	19.1%		-3.1%	15.7%
	Europe	17.4%	12.4%	-12.7%	2.8%	1.3%	4.7%	42.1%	26.9%	32.1%		0.8%	26.1%
	Latin America	14.6%	12.5%	-17.0%	-6.8%	0.4%	5.9%	43.1%	33.5%	32.4%		-2.4%	27.9%
	Worldwide less United States	14.2%	9.1%	-12.7%	-0.1%	0.4%	4.9%	32.5%	19.5%	22.7%		-0.9%	19.6%
	United States	9.0%	6.3%	-4.9%	4.1%	4.1%	13.6%	33.8%	20.3%	23.5%		2.3%	22.7%
	Worldwide	12.6%	8.2%	-10.2%	1.2%	1.5%	7.5%	32.9%	19.8%	23.0%		0.1%	20.5%
	Mastercard Credit and Charge Programs
	Worldwide less United States	9.2%	3.8%	-17.5%	-7.5%	-6.8%	-2.5%	25.4%	16.3%	20.0%		-7.1%	14.4%
	United States	11.4%	7.1%	-22.3%	-11.9%	-6.2%	-0.1%	49.7%	35.7%	33.9%		-8.7%	28.8%
	Worldwide	9.8%	4.8%	-19.0%	-8.8%	-6.6%	-1.8%	32.3%	21.9%	24.2%		-7.6%	18.6%
	Mastercard Debit and Prepaid Programs
	Worldwide less United States	19.5%	14.7%	-7.8%	7.3%	7.5%	12.0%	39.0%	22.3%	25.1%		5.4%	24.2%
	United States	6.7%	5.5%	11.6%	19.8%	14.4%	26.0%	23.3%	9.3%	14.9%		12.9%	18.0%
	Worldwide	15.5%	11.7%	-1.5%	11.2%	9.5%	16.3%	33.4%	18.1%	21.9%		7.8%	22.2%

Supplemental Operational Performance 2019Q4-2021Q4

Purchase Volume ($ Billions)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q4'19	Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21	FY 2020	FY 2021
APMEA	$346	$309	$280	$328	$362	$355	$368	$375	$410	$1,280	$1,508
Canada	47	39	36	44	47	42	52	54	59	166	208
Europe	355	313	266	353	368	350	419	473	498	1,300	1,740
Latin America	79	70	48	59	71	69	76	85	96	248	326
Worldwide less United States	827	731	630	784	849	816	916	988	1,062	2,995	3,783
United States	449	420	404	451	472	478	551	554	593	1,746	2,176
Worldwide	1,276	1,150	1,034	1,235	1,321	1,295	1,467	1,542	1,655	4,741	5,959
Mastercard Credit and Charge Programs
Worldwide less United States	557	488	405	489	524	496	546	584	620	1,906	2,246
United States	244	217	179	212	233	221	269	284	311	841	1,085
Worldwide	801	705	584	701	757	718	815	868	931	2,747	3,331
Mastercard Debit and Prepaid Programs
Worldwide less United States	269	243	226	295	325	320	370	404	443	1,089	1,536
United States	205	203	224	240	239	257	282	271	282	905	1,091
Worldwide	475	445	450	535	564	577	652	675	724	1,994	2,628
Purchase Volume Local Growth
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21	FY 2020	FY 2021
APMEA	10.7%	4.6%	-8.5%	-0.1%	0.7%	7.9%	21.4%	11.0%	14.4%	-0.8%	13.5%
Canada	5.5%	4.5%	-15.2%	-1.6%	-0.3%	3.2%	28.9%	16.7%	20.3%	-3.3%	17.4%
Europe	18.6%	12.6%	-12.8%	3.6%	3.1%	7.4%	48.1%	32.7%	39.2%	1.5%	31.5%
Latin America	19.3%	16.9%	-12.6%	-1.7%	6.9%	11.9%	52.0%	41.2%	39.1%	2.8%	35.3%
Worldwide less United States	14.4%	9.0%	-11.1%	1.3%	2.2%	7.8%	35.3%	23.2%	27.4%	0.3%	23.2%
United States	10.0%	7.2%	-5.5%	4.1%	5.1%	13.9%	36.4%	22.9%	25.7%	2.7%	24.6%
Worldwide	12.8%	8.3%	-9.0%	2.3%	3.2%	9.9%	35.7%	23.1%	26.8%	1.2%	23.7%
Mastercard Credit and Charge Programs
Worldwide less United States	9.3%	3.5%	-17.5%	-7.0%	-6.2%	-1.5% 26.2% 16.6% 20.4%	-6.9%	15.1%
United States	11.4%	6.8%	-21.2%	-9.7%	-4.4%	1.9%	49.7%	34.1%	33.5%	-7.5%	29.0%
Worldwide	9.9%	4.5%	-18.7%	-7.8%	-5.7%	-0.5%	33.1%	21.8%	24.5%	-7.1%	19.2%
Mastercard Debit and Prepaid Programs
Worldwide less United States	26.8%	22.1%	3.3%	18.8%	19.5%	26.3%	51.3%	34.3%	38.7%	16.1%	37.4%
United States	8.5%	7.6%	12.5%	20.4%	16.3%	26.8%	25.7%	13.0%	18.0%	14.3%	20.6%
Worldwide	18.2%	15.1%	7.7%	19.5%	18.1%	26.5%	39.1%	24.9%	29.8%	15.3%	29.9%

January 27, 2022	Page:2

Supplemental Operational Performance 2019Q4-2021Q4

Purchase Transactions (Millions)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21		FY 2020	FY 2021
APMEA	6,898	6,300	5,883	6,790	7,342	7,082	7,664	7,857	8,537		26,315	31,140
Canada	753	654	572	722	729	648	751	828	858		2,677	3,085
Europe	10,789	10,231	9,053	11,709	11,727	11,339	13,547	15,222	15,915		42,721	56,023
Latin America	3,084	2,914	2,340	2,755	3,177	3,156	3,433	3,855	4,235		11,185	14,679
Worldwide less United States	21,524	20,099	17,848	21,976	22,975	22,225	25,395	27,763	29,545		82,898	104,928
United States	7,902	7,357	6,941	7,837	7,988	7,871	8,817	9,028	9,353		30,123	35,069
Worldwide	29,426	27,457	24,789	29,812	30,963	30,096	34,212	36,790	38,898		113,021	139,996
Mastercard Credit and Charge Programs
Worldwide less United States	10,535	9,699	8,434	10,044	10,605	10,112	11,270	12,195	12,990		38,782	46,567
United States	2,793	2,467	2,044	2,431	2,636	2,429	2,908	3,137	3,384		9,578	11,857
Worldwide	13,328	12,166	10,478	12,476	13,241	12,541	14,177	15,332	16,374		48,360	58,425
Mastercard Debit and Prepaid Programs
Worldwide less United States	10,989	10,401	9,415	11,931	12,370	12,113	14,125	15,567	16,555		44,116	58,360
United States	5,109	4,890	4,897	5,405	5,352	5,442	5,909	5,891	5,969		20,545	23,211
Worldwide	16,098	15,291	14,312	17,336	17,722	17,555	20,034	21,458	22,524		64,661	81,572
Purchase Transactions Growth
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21		FY 2020	FY 2021
APMEA	19.5%	13.2%	-4.5%	3.8%	6.4%	12.4%	30.3%	15.7%	16.3%		4.6%	18.3%
Canada	7.8%	7.1%	-19.4%	-3.5%	-3.2%	-0.8% 31.2% 14.7% 17.7%		-5.1%	15.2%
Europe	28.3%	23.2%	-5.5%	14.5%	8.7%	10.8%	49.6%	30.0%	35.7%		9.8%	31.1%
Latin America	21.9%	17.8%	-14.0%	-5.7%	3.0%	8.3%	46.7%	39.9%	33.3%		-0.1%	31.2%
Worldwide less United States	23.6%	18.5%	-6.9%	7.5%	6.7%	10.6%	42.3%	26.3%	28.6%		6.2%	26.6%
United States	9.1%	6.7%	-8.3%	1.2%	1.1%	7.0%	27.0%	15.2%	17.1%		0.0%	16.4%
Worldwide	19.4%	15.1%	-7.3%	5.8%	5.2%	9.6%	38.0%	23.4%	25.6%		4.5%	23.9%
Mastercard Credit and Charge Programs
Worldwide less United States	16.9%	12.6%	-11.8%	-1.0%	0.7%	4.3%	33.6%	21.4%	22.5%		-0.2%	20.1%
United States	12.4%	9.6%	-20.1%	-9.5%	-5.6%	-1.5% 42.3% 29.0% 28.4%		-6.9%	23.8%
Worldwide	15.9%	12.0%	-13.6%	-2.7%	-0.7%	3.1%	35.3%	22.9%	23.7%		-1.6%	20.8%
Mastercard Debit and Prepaid Programs
Worldwide less United States	30.8%	24.7%	-2.0%	15.8%	12.6%	16.5%	50.0%	30.5%	33.8%		12.4%	32.3%
United States	7.4%	5.3%	-2.3%	6.9%	4.7%	11.3%	20.7%	9.0%	11.5%		3.6%	13.0%
Worldwide	22.4%	17.8%	-2.1%	12.9%	10.1%	14.8%	40.0%	23.8%	27.1%		9.5%	26.2%

January 27, 2022	Page:3

Supplemental Operational Performance 2019Q4-2021Q4

Cash Volume ($ Billions)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21	FY 2020	FY 2021
APMEA	$171	$161	$125	$153	$166	$160	$160	$160	$169	$604	$649
Canada	2	2	3	1	2	2	2	1	2	7	6
Europe	177	154	131	166	166	152	174	188	185	616	700
Latin America	43	37	25	29	36	34	35	37	42	128	149
Worldwide less United States	394	354	284	349	369	349	371	386	398	1,356	1,504
United States	59	59	59	62	57	66	68	63	60	237	257
Worldwide	452	413	342	411	426	414	439	449	458	1,592	1,761
Mastercard Credit and Charge Programs
Worldwide less United States	43	40	30	34	36	34	36	38	39	139	148
United States	10	10	5	4	5	6	7	8	8	24	29
Worldwide	53	50	35	37	41	40	43	46	47	163	177
Mastercard Debit and Prepaid Programs
Worldwide less United States	350	314	253	315	334	314	335	348	359	1,216	1,356
United States	49	49	54	59	52	60	61	55	52	213	228
Worldwide	399	363	307	374	385	374	396	403	411	1,429	1,584
Cash Volume Local Growth
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21	FY 2020	FY 2021
APMEA	14.2%	8.4%	-18.5%	-4.1%	-2.8%	-0.8%	24.1%	6.0%	6.0%	-4.3%	8.0%
Canada	-3.8%	-3.4%	54.8%	-34.8%	-7.5%	-13.3%	-49.2%	19.5%	-13.8%	1.6%	-22.0%
Europe	15.2%	11.9%	-12.4%	1.1%	-2.5%	-0.9%	29.4%	14.2%	16.3%	-0.7%	14.3%
Latin America	6.8%	4.9%	-24.4%	-15.7%	-10.2%	-4.4%	26.9%	18.7%	19.3%	-11.1%	14.2%
Worldwide less United States	13.7%	9.4%	-16.0%	-3.0%	-3.5%	-1.3%	26.0%	11.0%	11.8%	-3.4%	11.3%
United States	2.0%	0.2%	-0.8%	3.8%	-3.4%	11.5%	16.3%	1.7%	5.2%	0.0%	8.6%
Worldwide	12.0%	8.0%	-13.7%	-2.0%	-3.5%	0.5%	24.4%	9.6%	10.9%	-2.9%	10.9%
Mastercard Credit and Charge Programs
Worldwide less United States	8.2%	8.7%	-17.0%	-14.7%	-15.1%	-14.5%	13.6%	12.5%	13.3%	-9.8%	5.2%
United States	13.4%	14.2%	-49.4%	-65.0%	-50.0%	-41.0%	48.7%	126.3%	52.8%	-38.8%	22.1%
Worldwide	9.2%	9.8%	-23.5%	-25.0%	-21.9%	-19.9%	18.1%	23.2%	18.3%	-15.6%	7.6%
Mastercard Debit and Prepaid Programs
Worldwide less United States	14.4%	9.5%	-15.9%	-1.6%	-2.1%	0.4%	27.5%	10.9%	11.7%	-2.6%	12.0%
United States	0.0%	-2.3%	8.2%	17.7%	6.2%	22.6%	13.5%	-5.8%	0.5%	7.5%	7.1%
Worldwide	12.4%	7.8%	-12.4%	1.0%	-1.0%	3.4%	25.1%	8.2%	10.1%	-1.2%	11.2%

January 27, 2022	Page:4

Supplemental Operational Performance 2019Q4-2021Q4

Cash Transactions (Millions)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21	FY 2020	FY 2021
APMEA	1,781	1,699	1,285	1,550	1,647	1,591	1,547	1,586	1,678	6,180	6,403
Canada	6	5	3	4	4	4	4	5	5	16	19
Europe	1,225	1,059	846	1,062	1,000	909	1,048	1,122	1,104	3,967	4,183
Latin America	320	288	218	244	281	271	278	302	344	1,031	1,195
Worldwide less United States	3,331	3,051	2,352	2,860	2,932	2,775	2,877	3,015	3,132	11,195	11,800
United States	322	306	284	321	295	314	332	318	299	1,206	1,263
Worldwide	3,654	3,357	2,635	3,181	3,227	3,089	3,209	3,333	3,431	12,401
13,062
Mastercard Credit and Charge Programs
Worldwide less United States	196	178	130	157	155	143	155	162	166	619	626
United States	9	9	4	6	6	6	7	8	8	25	29
Worldwide	205	186	134	163	161	149	162	170	174	644	655
Mastercard Debit and Prepaid Programs
Worldwide less United States	3,136	2,874	2,222	2,703	2,777	2,632	2,722	2,853	2,966	10,576	11,174
United States	313	298	279	315	289	308	325	310	291	1,181	1,234
Worldwide	3,449	3,171	2,501	3,019	3,066	2,940	3,047	3,163	3,258	11,757	12,408
Cash Transactions Growth
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21	FY 2020	FY 2021
APMEA	8.1%	6.5%	-22.4%	-9.2%	-7.5%	-6.3%	20.4%	2.3%	1.9%	-8.3%	3.6%
Canada	-11.3%	-8.6%	-43.1%	-27.4%	-27.0%	-22.3%	35.7%	24.3%	29.9%	-26.6%	13.6%
Europe	11.5%	1.5%	-27.9%	-11.1%	-18.4%	-14.2%	23.9%	5.7%	10.4%	-14.4%	5.4%
Latin America	7.5%	4.6%	-26.2%	-19.0%	-12.1%	-5.8%	27.6%	23.4%	22.6%	-13.5%	15.9%
Worldwide less United States	9.2%	4.5%	-24.8%	-10.9%	-12.0%	-9.0%	22.3%	5.4%	6.8%	-11.1%	5.4%
United States	-1.8%	-4.6%	-15.5%	-5.2%	-8.4%	2.5%	16.9%	-1.0%	1.4%	-8.5%	4.7%
Worldwide	8.1%	3.6%	-23.9%	-10.3%	-11.7%	-8.0%	21.8%	4.8%	6.3%	-10.8%	5.3%
Mastercard Credit and Charge Programs
Worldwide less United States	5.3%	3.1%	-29.4%	-16.3%	-20.9%	-19.5%	19.4%	3.2%	7.2%	-16.3%	1.1%
United States	4.8%	5.2%	-50.5%	-40.3%	-33.5%	-30.2%	59.1%	40.2%	31.0%	-30.8%	17.0%
Worldwide	5.3%	3.2%	-30.4%	-17.5%	-21.5%	-20.0%	20.8%	4.5%	8.1%	-16.9%	1.7%
Mastercard Debit and Prepaid Programs
Worldwide less United States	9.5%	4.6%	-24.6%	-10.5%	-11.4%	-8.4%	22.5%	5.5%	6.8%	-10.8%	5.7%
United States	-2.0%	-4.8%	-14.5%	-4.2%	-7.7%	3.4%	16.2%	-1.7%	0.8%	-7.8%	4.4%
Worldwide	8.3%	3.6%	-23.6%	-9.9%	-11.1%	-7.3%	21.8%	4.8%	6.3%	-10.5%	5.5%

January 27, 2022	Page:5