Mastercard Incorporated provided earnings guidance for the first half and full year of 2013. For the first half, the company expects net revenue growth to be below the 10.7% currency adjusted rate that against in the second half of 2012.

Foe the full year, the company expects annual operating margin target of at least 50%. Based on the current expectations of the economic environment, the company expect that net revenue and EPS growth in the early part of this 3-year period might be slightly below the 11% minimum threshold for net revenue growth and 20% for EPS growth. In later years, assuming the world returns to a more stable environment, the company believe net revenue growth could be at the higher end of the range and that could also benefit EPS growth in that particular period.