MasterCard : 2022 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, 2022, 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	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22			FY 2021	FY 2022
APMEA	$528	$515	$528	$535	$581	$548	$556	$552	$554			$2,159	$2,209
Canada	49	44	54	56	61	53	64	63	63		214	243
Europe	534	502	594	661	682	559	605	620	648		2,440	2,432
Latin America	108	104	112	123	139	139	153	153	169			478	613
Worldwide less United States	1,219	1,165	1,288	1,375	1,463	1,298	1,378	1,388	1,434		5,292	5,497
United States	528	544	619	618	651	619	679	682	699		2,433	2,680
Worldwide	1,747	1,709	1,908	1,993	2,115	1,917	2,057	2,071	2,133			7,725	8,177
Mastercard Credit and Charge Programs
Worldwide less United States	560	531	583	622	659	601	640	642	650		2,395	2,534
United States	238	227	276	292	318	299	344	352	363		1,113	1,357
Worldwide	798	759	858	914	977	900	984	993	1,013		3,508	3,890
Mastercard Debit and Prepaid Programs
Worldwide less United States	659	634	706	752	805	696	737	747	784		2,897	2,964
United States	290	317	344	326	333	320	336	331	336		1,320	1,323
Worldwide	949	951	1,049	1,079	1,138	1,017	1,073	1,077	1,120		4,217	4,287

GDV Local Growth

All Mastercard Credit,

Charge, Debit and Prepaid Programs

APMEA

Canada

Europe

Latin America

Worldwide less United States

United States

Worldwide

Mastercard Credit and Charge Programs

Worldwide less United States

United States

Worldwide

Mastercard Debit and Prepaid Programs

Worldwide less United States

United States

Worldwide

Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22
-0.3%	5.1%	22.2%	9.4%	12.2%	10.1%	12.6%	12.7%	6.1%
-0.6%	2.5%	23.5%	16.6%	19.0%	19.5%	23.8%	17.8%	12.7%
1.3%	4.8%	42.2%	26.9%	32.0%	24.8%	13.9%	7.5%	5.6%
0.6%	6.2%	44.0%	34.6%	33.3%	34.7%	35.3%	28.8%	21.0%
0.5%	4.9%	32.6%	19.6%	23.0%	18.8%	15.8%	12.1%	7.7%
4.1%	13.6%	33.9%	20.4%	23.3%	13.8%	9.7%	10.4%	7.3%
1.5%	7.6%	33.0%	19.9%	23.1%	17.1%	13.7%	11.5%	7.6%
-6.8%	-2.4%	25.5%	16.4%	20.0%	19.4%	18.8%	14.9%	9.2%
-6.2%	-0.1%	49.7%	35.7%	33.6%	31.5%	24.7%	20.5%	14.1%
-6.6%	-1.7% 32.4% 21.9% 24.1% 23.2%	20.8%	16.8%	10.9%
7.6%	12.0%	39.2%	22.4%	25.5%	18.3%	13.4%	9.7%	6.5%
14.4%	26.0%	23.5%	9.4%	14.9%	1.1%	-2.3%	1.3%	0.9%
9.6%	16.3%	33.6%	18.2%	22.2%	12.3%	8.0%	7.0%	4.8%

FY 2021	FY 2022
11.9%	10.3%
15.6%	18.3%
26.1%	12.1%
28.7%	29.3%
19.7%	13.3%
22.7%	10.2%
20.6%	12.3%
14.5%	15.3%
28.7%	21.9%
18.6%	17.5%
24.4%	11.6%
18.1%	0.2%
22.3%	7.9%

GDV Local Growth (Adjusted for Russia)

All Mastercard Credit,

Charge, Debit and Prepaid Programs	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22		FY 2021	FY 2022
Europe less Russia	-0.3%	3.7%	41.2%	27.5%	33.7%	38.5%	36.8%	31.5%	28.4%		26.2%	33.4%
Worldwide less United States and Russia	-0.2%	4.5%	31.7%	19.4%	23.0%	23.7%	25.2%	22.4%	17.3%		19.3%	22.0%
Worldwide less Russia	1.1%	7.4%	32.4%	19.7%	23.1%	20.3%	19.6%	18.2%	13.8%		20.4%	17.8%
Mastercard Credit and Charge Programs
Worldwide less United States and Russia	-7.1%	-2.5%	25.0%	16.3%	20.0%	21.4%	23.0%	19.5%	13.6%		14.3%	19.2%
Worldwide less Russia	-6.9%	-1.8%	32.2%	21.9%	24.2%	24.6%	23.6%	19.9%	13.8%		18.6%	20.2%
Mastercard Debit and Prepaid Programs
Worldwide less United States and Russia	7.0%	11.7%	38.1%	22.3%	25.7%	25.7%	27.1%	25.0%	20.5%		24.1%	24.5%
Worldwide less Russia	9.3%	16.4%	32.6%	17.8%	22.1%	16.7%	16.1%	16.7%	13.9%		22.0%	15.8%

Supplemental Operational Performance 2020Q4-2022Q4

Purchase Volume ($ Billions)

All Mastercard Credit,

Charge, Debit and Prepaid Programs	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22			FY 2021	FY 2022
APMEA	$364	$357	$371	$379	$416	$392	$399	$401	$404			$1,523	$1,596
Canada	47	42	52	54	59	51	63	62	62		208	237
Europe	368	350	420	474	497	419	464	478	502		1,741	1,864
Latin America	71	69	76	85	96	97	109	108	119		326	433
Worldwide less United States	851	818	919	992	1,068	959	1,034	1,049	1,087			3,798	4,129
United States	472	478	551	555	592	562	619	621	640		2,176	2,441
Worldwide	1,322	1,297	1,470	1,547	1,660	1,520	1,653	1,670	1,727			5,974	6,570
Mastercard Credit and Charge Programs
Worldwide less United States	524	497	547	584	620	568	608	608	615		2,247	2,400
United States	233	221	269	284	310	291	335	342	353		1,084	1,321
Worldwide	757	718	815	868	930	859	942	950	969		3,331	3,721
Mastercard Debit and Prepaid Programs
Worldwide less United States	326	321	373	408	449	390	426	441	471		1,550	1,729
United States	239	257	282	271	282	271	284	279	287		1,092	1,121
Worldwide	565	579	655	679	730	661	711	720	758			2,642	2,850
Purchase Volume Local Growth
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q4'20	Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22			FY 2021	FY 2022
APMEA	1.2%	8.4%	21.9%	11.8%	15.8%	13.5%	15.3%	16.0%	8.5%		14.3%	13.2%
Canada	-0.3%	3.2%	29.0%	16.5%	20.1%	20.7%	24.2%	17.9%	12.5%		17.3%	18.6%
Europe	3.1%	7.5%	48.3%	32.7%	39.1%	33.1%	23.6%	15.9%	12.8%		31.6%	20.4%
Latin America	6.9%	12.0%	52.2%	41.4%	39.0%	40.2%	40.3%	31.8%	23.4%		35.4%	33.1%
Worldwide less United States	2.4%	8.0%	35.6%	23.6%	27.9%	24.3%	21.8%	17.5%	12.2%		23.6%	18.6%
United States	5.1%	13.9%	36.5%	23.0%	25.5%	17.4%	12.4%	12.0%	8.1%		24.6%	12.2%
Worldwide	3.3%	10.1%	35.9%	23.4%	27.1%	21.6%	18.1%	15.4%	10.6%		24.0%	16.1%
Mastercard Credit and Charge Programs
Worldwide less United States	-6.2%	-1.4% 26.4% 16.6% 20.4%	20.3%	20.1%	16.1%	10.0%		15.1%	16.4%
United States	-4.4%	1.9%	49.7%	34.1%	33.2%	31.5%	24.7%	20.4%	13.9%		28.9%	21.9%
Worldwide	-5.7%	-0.4%	33.2%	21.8%	24.4%	23.9%	21.7%	17.6%	11.4%		19.3%	18.3%
Mastercard Debit and Prepaid Programs
Worldwide less United States	20.1%	26.8%	52.0%	35.1%	39.9%	30.5%	24.3%	19.5%	15.1%		38.3%	21.7%
United States	16.3%	26.9%	25.9%	13.1%	18.0%	5.2%	0.7%	3.1%	1.8%		20.6%	2.6%
Worldwide	18.4%	26.8%	39.5%	25.4%	30.6%	18.8%	13.6%	12.6%	9.7%		30.4%	13.4%
Purchase Volume Local Growth (Adjusted for Russia)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q4'20	Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22			FY 2021	FY 2022
Europe less Russia	1.1%	5.6%	46.7%	32.5%	39.7%	44.7%	44.0%	37.5%	33.3%		30.8%	39.4%
Worldwide less United States and Russia	1.5%	7.3%	34.4%	23.0%	27.6%	28.3%	29.9%	26.7%	20.7%		22.9%	26.2%
Worldwide less Russia	2.8%	9.7%	35.2%	23.0%	26.8%	24.0%	22.7%	20.8%	15.7%		23.5%	20.6%
Mastercard Credit and Charge Programs
Worldwide less United States and Russia	-6.5%	-1.7%	25.8%	16.5%	20.3%	21.7%	23.3%	19.6%	13.4%		14.9%	19.3%
Worldwide less Russia	-5.8%	-0.6%	32.9%	21.8%	24.3%	24.9%	23.8%	19.9%	13.6%		19.1%	20.2%
Mastercard Debit and Prepaid Programs
Worldwide less United States and Russia	19.3%	26.5%	50.8%	34.9%	40.3%	39.5%	40.7%	38.0%	31.7%		38.0%	37.2%
Worldwide less Russia	17.9%	26.7%	38.3%	24.7%	30.2%	22.8%	21.4%	22.0%	18.6%		29.8%	21.1%

January 26, 2023

Page:2

Supplemental Operational Performance 2020Q4-2022Q4

Purchase Transactions (Millions)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22
APMEA	7,350	7,092	7,678	7,889	8,633	8,195	8,909	9,378	9,648
Canada	729	648	751	827	855	748	896	941	949
Europe	11,728	11,341	13,557	15,227	15,805	12,053	12,955	14,237	14,748
Latin America	3,176	3,156	3,433	3,856	4,344	4,331	4,659	4,890	5,175
Worldwide less United States	22,984	22,238	25,419	27,799	29,636	25,327	27,418	29,447	30,519
United States	7,988	7,873	8,820	9,034	9,338	8,659	9,383	9,534	9,729
Worldwide	30,972	30,111	34,240	36,833	38,975	33,986	36,801	38,981	40,248
Mastercard Credit and Charge Programs
Worldwide less United States	10,592	10,105	11,260	12,180	12,971	11,754	12,688	13,338	13,604
United States	2,636	2,429	2,908	3,137	3,375	3,072	3,506	3,665	3,780
Worldwide	13,229	12,534	14,167	15,317	16,346	14,826	16,194	17,004	17,384
Mastercard Debit and Prepaid Programs
Worldwide less United States	12,391	12,132	14,159	15,618	16,665	13,573	14,730	16,109	16,915
United States	5,352	5,444	5,913	5,898	5,963	5,588	5,877	5,868	5,949
Worldwide	17,743	17,577	20,072	21,516	22,629	19,160	20,607	21,977	22,864

FY 2021	FY 2022
31,292	36,130
3,081	3,533
55,930	53,992
14,788	19,056
105,092	112,711
35,066	37,305
140,158	150,016
46,516	51,385
11,848	14,023
58,364	65,408
58,576	61,326
23,218	23,282
81,794	84,608

Purchase Transactions Growth

All Mastercard Credit,

Charge, Debit and Prepaid Programs	Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22	Q3'22	Q4'22
APMEA	6.4%	12.4%	30.3%	16.1%	17.5%	15.6%	16.0%	18.9%	11.8%
Canada	-3.2%	-0.8% 31.2% 14.5% 17.3% 15.3% 19.3%	13.8%	11.0%
Europe	8.7%	10.8%	49.7%	30.0%	34.8%	6.3%	-4.4%	-6.5%	-6.7%
Latin America	3.0%	8.3%	46.7%	39.9%	36.8%	37.2%	35.7%	26.8%	19.1%
Worldwide less United States	6.7%	10.6%	42.3%	26.5%	28.9%	13.9%	7.9%	5.9%	3.0%
United States	1.1%	7.0%	27.1%	15.3%	16.9%	10.0%	6.4%	5.5%	4.2%
Worldwide	5.2%	9.6%	38.1%	23.5%	25.8%	12.9%	7.5%	5.8%	3.3%
Mastercard Credit and Charge Programs
Worldwide less United States	0.5%	4.2%	33.5%	21.4%	22.5%	16.3%	12.7%	9.5%	4.9%
United States	-5.6%	-1.5% 42.3% 29.0% 28.0%	26.5%	20.6%	16.9%	12.0%
Worldwide	-0.7%	3.0%	35.2%	22.9%	23.6%	18.3%	14.3%	11.0%	6.4%
Mastercard Debit and Prepaid Programs
Worldwide less United States	12.7%	16.6%	50.2%	30.7%	34.5%	11.9%	4.0%	3.1%	1.5%
United States	4.7%	11.3%	20.7%	9.1%	11.4%	2.6%	-0.6%	-0.5%	-0.2%
Worldwide	10.2%	14.9%	40.1%	24.0%	27.5%	9.0%	2.7%	2.1%	1.0%

FY 2021

18.8%

15.1%

30.9%

32.2%

26.7%

16.4%

24.0%

20.0%

23.7%

20.7%

32.6%

13.0%

26.4%

FY 2022

15.5%

14.7% -3.5% 28.9% 7.3% 6.4% 7.0%

10.5%

18.4%

12.1%

4.7%

0.3%

3.4%

Purchase Transactions Growth (Adjusted for Russia)

All Mastercard Credit,

Charge, Debit and Prepaid Programs	Q4'20	Q1'21 Q2'21 Q3'21 Q4'21 Q1'22	Q2'22	Q3'22	Q4'22		FY 2021	FY 2022
Europe less Russia	6.2%	9.2%	46.5%	30.0%	36.4%	34.9%	32.6%	27.4%	25.7%		30.3%	29.7%
Worldwide less United States and Russia	5.4%	9.8%	39.8%	25.8%	28.8%	27.4%	26.7%	24.0%	19.4%		25.8%	24.1%
Worldwide less Russia	4.1%	9.0%	35.9%	22.7%	25.4%	22.3%	20.8%	18.9%	15.3%		23.0%	19.1%
Mastercard Credit and Charge Programs
Worldwide less United States and Russia	0.0%	4.4%	32.8%	21.5%	22.6%	21.5%	20.7%	16.8%	11.5%		20.0%	17.3%
Worldwide less Russia	-1.2%	3.1%	34.8%	23.1%	23.8%	22.5%	20.7%	16.8%	11.6%		20.8%	17.5%
Mastercard Debit and Prepaid Programs
Worldwide less United States and Russia	11.4%	15.8%	47.0%	30.1%	34.9%	33.3%	32.4%	30.7%	26.6%		31.7%	30.5%
Worldwide less Russia	9.0%	14.2%	36.7%	22.5%	26.7%	22.2%	21.0%	20.6%	18.3%		24.8%	20.4%

January 26, 2023

Page:3

Supplemental Operational Performance 2020Q4-2022Q4

Cash Volume ($ Billions)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22		FY 2021	FY 2022
APMEA	$164	$158	$157	$156	$165	$156	$157	$151	$150		$636	$613
Canada	2	2	2	1	2	1	2	2	2		6	6
Europe	166	152	174	188	185	140	141	142	145		699	568
Latin America		36	35	36	38	44	42	44	45	50		152	180
Worldwide less United States	368	347	369	383	395	339	344	339	347		1,494	1,369
United States	57	66	68	64	60	58	60	61	59		257	239
Worldwide		425	413	438	446	455	397	404	400	406		1,751	1,607
Mastercard Credit and Charge Programs
Worldwide less United States	36	34	36	38	39	33	33	33	35		148	134
United States	5	6	7	8	8	8	9	10	9		29	36
Worldwide	41	40	43	46	47	41	42	43	44		177	170
Mastercard Debit and Prepaid Programs
Worldwide less United States	333	313	333	344	356	306	311	306	312		1,346	1,235
United States	52	60	61	56	52	50	52	52	50		228	203
Worldwide	384	372	395	400	408	356	363	357	362		1,575	1,438
Cash Volume Local Growth
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22		FY 2021	FY 2022
APMEA	-3.4%	-1.6%	22.9%	3.9%	4.1%	2.4%	6.2%	4.8%	0.1%		6.5%	3.4%
Canada	-7.8%	-13.7%	-49.5%	18.9%	-14.0%	-9.4%	11.3%	17.6%	22.9%		-22.3%	9.9%
Europe	-2.5%	-1.0%	29.4%	14.2%	16.3%	5.0%	-9.4%	-13.6%	-13.5%		14.2%	-8.5%
Latin America	-9.9%	-3.8%	29.2%	21.6%	22.2%	23.6%	24.4%	22.2%	15.6%		16.4%	21.1%
Worldwide less United States	-3.7%	-1.7%	25.7%	10.4%	11.3%	5.7%	0.9%	-2.0%	-4.3%		10.8%	-0.1%
United States	-3.4%	11.5%	16.3%	1.9%	5.2%	-12.2%	-11.8%	-3.6%	-0.4%		8.7%	-7.2%
Worldwide	-3.7%	0.2%	24.2%	9.1%	10.5%	2.6%	-1.2%	-2.3%	-3.7%		10.5%	-1.2%
Mastercard Credit and Charge Programs
Worldwide less United States	-15.2%	-14.5%	13.7%	12.6%	13.2%	6.1%	-1.5%-4.1%	-4.1%		5.2%	-1.1%
United States	-50.0%	-41.0%	48.7% 126.3%	52.8%	29.8%	25.2%	21.7%	23.7%		22.1%	24.8%
Worldwide	-21.9%	-19.9%	18.2%	23.4%	18.2%	10.0%	3.1%	0.8%	0.8%		7.7%	3.4%
Mastercard Debit and Prepaid Programs
Worldwide less United States	-2.3%	0.0%	27.2%	10.2%	11.1%	5.6%	1.2%	-1.8%	-4.3%		11.5%	0.0%
United States	6.2%	22.7%	13.5%	-5.6%	0.6%	-16.4%	-16.0%	-7.2%	-4.0%		7.2%	-11.2%
Worldwide	-1.2%	3.0%	24.9%	7.7%	9.6%	1.9%	-1.7%	-2.6%	-4.2%		10.8%	-1.7%
Cash Volume Local Growth (Adjusted for Russia)
All Mastercard Credit,
Charge, Debit and Prepaid Programs		Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22		FY 2021	FY 2022
Europe less Russia		-3.4%	-0.6%	28.5%	15.6%	18.7%	22.6%	17.3%	14.4%	13.9%		15.2%	16.9%
Worldwide less United States and Russia	-4.2%	-1.6%	25.0%	10.7%	11.7%	12.2%	12.7%	10.8%	7.8%		10.9%	10.8%
Worldwide less Russia	-4.1%	0.5%	23.5%	9.2%	10.8%	7.8%	8.2%	8.3%	6.5%		10.5%	7.7%
Mastercard Credit and Charge Programs
Worldwide less United States and Russia	-17.2%	-14.7%	12.3%	13.2%	15.2%	15.7%	18.1%	17.5%	17.1%		5.4%	17.1%
Worldwide less Russia	-24.3%	-20.7%	17.6%	25.5%	20.8%	18.2%	19.5%	18.4%	18.5%		8.1%	18.7%
Mastercard Debit and Prepaid Programs
Worldwide less United States and Russia	-2.7%	0.0%	26.5%	10.4%	11.4%	11.9%	12.2%	10.1%	6.8%		11.5%	10.2%
Worldwide less Russia	-1.5%	3.3%	24.1%	7.7%	9.8%	6.7%	7.1%	7.2%	5.2%		10.8%	6.6%

January 26, 2023

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Supplemental Operational Performance 2020Q4-2022Q4

Cash Transactions (Millions)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22
APMEA	1,629	1,556	1,510	1,526	1,613	1,505	1,531	1,542	1,554
Canada	4	4	4	5	5	5	6	6	6
Europe	1,000	908	1,047	1,122	1,104	899	984	1,004	993
Latin America	284	276	291	320	363	349	378	399	421
Worldwide less United States	2,917	2,744	2,852	2,974	3,085	2,758	2,899	2,951	2,974
United States	295	314	332	319	299	280	296	299	284
Worldwide	3,212	3,058	3,184	3,293	3,384	3,038	3,195	3,250	3,258
Mastercard Credit and Charge Programs
Worldwide less United States	155	143	155	162	166	144	160	162	166
United States	6	6	7	8	8	8	8	9	9
Worldwide	161	149	162	170	174	152	168	171	175
Mastercard Debit and Prepaid Programs
Worldwide less United States	2,762	2,601	2,698	2,812	2,920	2,614	2,739	2,789	2,808
United States	289	308	325	311	291	272	288	289	275
Worldwide	3,051	2,909	3,022	3,123	3,211	2,886	3,027	3,079	3,083

FY 2021	FY 2022
6,205	6,133

18 22

4,182 3,881

1,251 1,546

11,656	11,582
1,263	1,158
12,919	12,740
625	631
29	34
654	665
11,031	10,951
1,234	1,124
12,265	12,075

Cash Transactions Growth

All Mastercard Credit,

Charge, Debit and Prepaid Programs	Q4'20	Q1'21	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22
APMEA	-8.3%	-8.1%	18.2%	-0.7%	-1.0%	-3.2%	1.4%	1.0%	-3.7%
Canada	-27.7%	-23.4%	33.7%	23.1%	29.9%	29.5%	31.6%	11.7%	14.8%
Europe	-18.4%	-14.3%	23.9%	5.7%	10.4%	-1.0%	-6.0%-10.5%-10.0%
Latin America	-11.1%	-4.2%	33.7%	31.1%	27.8%	26.4%	29.8%	24.4%	15.8%
Worldwide less United States	-12.3%	-9.9%	21.7%	4.4%	5.8%	0.5%	1.6%	-0.8%	-3.6%
United States	-8.4%	2.6%	17.0%	-0.8%	1.2%	-10.8%	-10.8%-6.3%-5.1%
Worldwide	-12.0%	-8.8%	21.2%	3.9%	5.4%	-0.7%	0.3%	-1.3%	-3.7%
Mastercard Credit and Charge Programs
Worldwide less United States	-21.0%	-19.5%	19.4%	3.3%	7.2%	0.7%	3.2%	-0.2%	0.1%
United States	-33.5%	-30.2%	59.1%	40.2%	31.3%	28.3%	14.7%	15.9%	10.9%
Worldwide	-21.5%	-20.0%	20.7%	4.6%	8.1%	1.8%	3.7%	0.5%	0.6%
Mastercard Debit and Prepaid Programs
Worldwide less United States	-11.8%	-9.3%	21.8%	4.5%	5.7%	0.5%	1.5%	-0.8%	-3.8%
United States	-7.7%	3.5%	16.3%	-1.5%	0.6%	-11.6%	-11.4%-6.9%-5.5%
Worldwide	-11.4%	-8.1%	21.2%	3.9%	5.2%	-0.8%	0.2%	-1.4%	-4.0%

FY 2021	FY 2022
1.1%	-1.2%
12.5%	21.0%
5.4%	-7.2%
20.9%	23.6%
4.5%	-0.6%
4.7%	-8.3%
4.5%	-1.4%
1.1%	0.9%
17.1%	16.8%
1.7%	1.6%
4.7%	-0.7%
4.5%	-8.9%
4.7%	-1.5%

Cash Transactions Growth (Adjusted for Russia)

All Mastercard Credit,

Charge, Debit and Prepaid Programs	Q4'20	Q1'21	Q2'21	Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22		FY 2021	FY 2022
Europe less Russia	-17.8%	-12.8%	26.0%	8.1%	13.8%	13.4%	9.3%	2.6%	2.4%		7.8%	6.5%
Worldwide less United States and Russia	-11.8%	-9.2%	22.2%	5.2%	6.6%	4.9%	7.1%	4.2%	0.8%		5.2%	4.2%
Worldwide less Russia	-11.4%	-8.1%	21.6%	4.5%	6.0%	3.2%	5.2%	3.2%	0.2%		5.1%	2.9%
Mastercard Credit and Charge Programs
Worldwide less United States and Russia	-21.2%	-18.3%	22.3%	5.1%	9.6%	9.7%	15.9%	11.0%	10.6%		3.1%	11.8%
Worldwide less Russia	-21.8%	-18.9%	23.7%	6.4%	10.5%	10.6%	15.8%	11.3%	10.7%		3.7%	12.1%
Mastercard Debit and Prepaid Programs
Worldwide less United States and Russia	-11.2%	-8.7%	22.2%	5.2%	6.4%	4.6%	6.7%	3.9%	0.2%		5.3%	3.8%
Worldwide less Russia	-10.9%	-7.5%	21.5%	4.5%	5.8%	2.8%	4.6%	2.8%	-0.3%		5.2%	2.4%

January 26, 2023

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