MasterCard : 2024 Q1 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 March 31, 2024, 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	Q1'22	Q2'22	Q3'22	Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24	FY 2022	FY 2023
APMEA	$548	$559	$558	$560	$562	$572	$567	$587	$570	$2,224	$2,287
Canada	53	64	63	63	57	66	66	68	62	243	257
Europe	559	606	620	647	651	731	758	760	740	2,433	2,901
Latin America	138	153	153	169	166	180	192	208	205	612	747
Worldwide less United States	1,297	1,381	1,394	1,440	1,436	1,549	1,584	1,624	1,578	5,512	6,192
United States	619	679	683	698	672	717	720	728	712	2,680	2,837
Worldwide	1,916	2,061	2,077	2,137	2,108	2,266	2,303	2,351	2,290	8,192	9,029
Mastercard Credit and Charge Programs
Worldwide less United States	602	644	646	654	660	706	720	732	711	2,546	2,817
United States	299	344	352	362	342	372	376	382	364	1,357	1,473
Worldwide	901	987	999	1,017	1,002	1,078	1,096	1,114	1,075	3,903	4,290
Mastercard Debit and Prepaid Programs
Worldwide less United States	696	738	748	785	777	843	864	892	866	2,966	3,375
United States	320	336	331	336	330	345	344	346	348	1,323	1,364
Worldwide	1,016	1,074	1,079	1,121	1,106	1,188	1,207	1,237	1,215	4,289	4,739
GDV Local Growth
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24	FY 2022	FY 2023
APMEA	10.1%	13.2%	13.8%	7.3%	10.8%	8.5%	5.8%	6.8%	6.5%	11.1%	7.9%
Canada	19.5%	23.8%	17.7%	12.7%	16.3%	7.7%	7.7%	8.2%	8.3%	18.3%	9.6%
Europe	24.8%	14.0%	7.6%	5.6%	25.3%	22.7%	18.4%	15.6%	15.8%	12.2%	20.2%
Latin America	33.9%	35.4%	28.8%	20.9%	20.4%	16.4%	17.0%	17.6%	20.7%	29.2%	17.8%
Worldwide less United States	18.8%	16.1%	12.5%	8.2%	18.3%	15.7%	12.9%	12.2%	12.5%	13.6%	14.6%
United States	13.8%	9.7%	10.5%	7.1%	8.6%	5.6%	5.3%	4.3%	6.0%	10.1%	5.9%
Worldwide	17.1%	13.9%	11.9%	7.8%	15.0%	12.3%	10.5%	9.6%	10.4%	12.5%	11.7%
Mastercard Credit and Charge Programs
Worldwide less United States	19.5%	19.4%	15.7%	9.9%	17.1%	13.9%	12.1%	12.5%	12.0%	15.9%	13.8%
United States	31.5%	24.7%	20.7%	14.0%	14.6%	8.4%	6.7%	5.4%	6.3%	22.0%	8.5%
Worldwide	23.2%	21.2%	17.4%	11.3%	16.2%	11.9%	10.2%	10.0%	10.0%	17.9%	11.9%
Mastercard Debit and Prepaid Programs
Worldwide less United States	18.1%	13.4%	9.9%	6.8%	19.4%	17.3%	13.6%	11.9%	13.0%	11.7%	15.3%
United States	1.1%	-2.3%	1.4%	0.6%	2.9%	2.7%	3.9%	3.0%	5.7%	0.2%	3.1%
Worldwide	12.2%	8.0%	7.2%	4.9%	13.9%	12.6%	10.7%	9.3%	10.8%	7.9%	11.5%
GDV Local Growth (Adjusted for Russia)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24	FY 2022	FY 2023
Europe less Russia	38.6%	36.9%	31.5%	28.3%	31.1%	22.7%	18.4%	15.6%	15.8%	33.5%	21.4%
Worldwide less United States and Russia	23.6%	25.5%	22.9%	17.8%	20.6%	15.7%	12.9%	12.2%	12.5%	22.3%	15.1%
Worldwide less Russia	20.2%	19.8%	18.6%	14.1%	16.5%	12.3%	10.5%	9.6%	10.4%	18.0%	12.0%
Mastercard Credit and Charge Programs
Worldwide less United States and Russia	21.5%	23.7%	20.4%	14.3%	18.5%	13.9%	12.1%	12.5%	12.0%	19.8%	14.1%
Worldwide less Russia	24.6%	24.0%	20.5%	14.2%	17.1%	11.9%	10.2%	10.0%	10.0%	20.6%	12.1%
Mastercard Debit and Prepaid Programs
Worldwide less United States and Russia	25.6%	27.1%	25.2%	20.8%	22.4%	17.3%	13.6%	11.9%	13.0%	24.6%	16.0%
Worldwide less Russia	16.6%	16.2%	16.8%	14.0%	15.9%	12.6%	10.7%	9.3%	10.8%	15.8%	12.0%

Supplemental Operational Performance 2022Q1-2024Q1

Purchase Volume ($ Billions)

All Mastercard Credit,

Charge, Debit and Prepaid Programs	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24		FY 2022		FY 2023
APMEA	$392	$402	$406	$409	$413	$420	$420	$436	$425	$1,609	$1,690
Canada	51	63	62	62	55	64	64	66	60	237	250
Europe	420	464	478	502	509	573	602	601	589	1,864	2,284
Latin America	97	109	108	119	117	128	136	148	143		432		529
Worldwide less United States	959	1,037	1,054	1,092	1,095	1,184	1,222	1,252	1,217	4,142	4,753
United States	561	619	622	638	612	655	657	668	652		2,441	2,592
Worldwide	1,520	1,656	1,676	1,730	1,707	1,839	1,878	1,920	1,869	6,583	7,344
Mastercard Credit and Charge Programs
Worldwide less United States	569	611	613	620	623	667	682	693	673	2,412	2,665
United States	291	335	343	353	332	362	365	372	354	1,321	1,432
Worldwide	860	946	956	972	956	1,030	1,047	1,065	1,027	3,734	4,097
Mastercard Debit and Prepaid Programs
Worldwide less United States	390	426	441	472	472	516	540	559	544	1,730	2,087
United States	270	284	279	286	279	293	292	296	298	1,120	1,160
Worldwide	661	711	721	758	751	810	831	855	842	2,850	3,248
Purchase Volume Local Growth
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24		FY 2022		FY 2023
APMEA	13.5%	16.2%	17.4%	9.9%	13.8%	10.8%	7.7%	8.7%	8.4%	14.2%	10.2%
Canada	20.7%	24.2%	17.7%	12.4%	15.8%	7.5%	7.3%	7.6%	7.9%	18.5%	9.2%
Europe	33.2%	23.8%	16.0%	12.8%	30.6%	25.3%	21.5%	17.5%	17.2%	20.4%	23.2%
Latin America	39.9%	40.3%	31.8%	23.3%	21.8%	17.1%	18.1%	20.3%	21.0%	33.0%	19.3%
Worldwide less United States	24.3%	22.2%	18.1%	12.7%	22.1%	17.9%	15.2%	14.0%	13.9%	19.0%	17.1%
United States	17.3%	12.4%	12.1%	7.9%	9.0%	5.9%	5.6%	4.6%	6.6%	12.2%	6.2%
Worldwide	21.6%	18.3%	15.8%	10.9%	17.0%	13.3%	11.7%	10.6%	11.3%	16.4%	13.0%
Mastercard Credit and Charge Programs
Worldwide less United States	20.4%	20.8%	17.0%	10.8%	17.1%	13.6%	12.1%	12.4%	12.0%	17.0%	13.7%
United States	31.5%	24.7%	20.7%	13.7%	14.3%	8.2%	6.5%	5.5%	6.4%	21.9%	8.4%
Worldwide	23.9%	22.1%	18.3%	11.8%	16.1%	11.6%	10.1%	9.9%	10.0%	18.7%	11.8%
Mastercard Debit and Prepaid Programs
Worldwide less United States	30.5%	24.3%	19.6%	15.3%	29.3%	24.0%	19.5%	16.2%	16.5%	21.8%	21.7%
United States	5.1%	0.7%	3.1%	1.5%	3.3%	3.2%	4.5%	3.5%	6.8%	2.5%	3.6%
Worldwide	18.8%	13.6%	12.7%	9.7%	18.2%	15.6%	13.7%	11.4%	12.8%	13.4%	14.6%
Purchase Volume Local Growth (Adjusted for Russia)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24		FY 2022		FY 2023
Europe less Russia	44.8%	44.2%	37.6%	33.2%	36.5%	25.3%	21.5%	17.5%	17.2%	39.5%	24.4%
Worldwide less United States and Russia	28.3%	30.3%	27.3%	21.3%	24.4%	17.9%	15.2%	14.0%	13.9%	26.6%	17.6%
Worldwide less Russia	24.0%	23.0%	21.2%	16.0%	18.4%	13.3%	11.7%	10.6%	11.3%	20.8%	13.3%
Mastercard Credit and Charge Programs
Worldwide less United States and Russia	21.8%	24.0%	20.6%	14.2%	18.2%	13.6%	12.1%	12.4%	12.0%	20.0%	13.9%
Worldwide less Russia	24.9%	24.2%	20.6%	14.0%	16.8%	11.6%	10.1%	9.9%	10.0%	20.6%	11.9%
Mastercard Debit and Prepaid Programs
Worldwide less United States and Russia	39.4%	40.7%	38.1%	32.0%	33.6%	24.0%	19.5%	16.2%	16.5%	37.3%	22.6%
Worldwide less Russia	22.8%	21.4%	22.1%	18.5%	20.5%	15.6%	13.7%	11.4%	12.8%	21.1%	15.1%

May 1, 2024	Page:2

Supplemental Operational Performance 2022Q1-2024Q1

Purchase Transactions (Millions)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q1'22	Q2'22	Q3'22	Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24	FY 2022	FY 2023
APMEA	8,197	8,916	9,398	9,688	9,402	10,052	10,422	10,803	10,530	36,198	40,679
Canada	748	896	939	949	879	1,001	1,043	1,062	981	3,531	3,984
Europe	12,054	12,958	14,240	14,745	14,252	15,996	17,034	17,177	16,603	53,998	64,460
Latin America	4,330	4,660	4,890	5,176	5,074	5,352	5,659	6,058	5,972	19,057	22,142
Worldwide less United States	25,329	27,430	29,468	30,558	29,607	32,401	34,158	35,100	34,087	112,785	131,266
United States	8,658	9,384	9,543	9,695	9,239	9,991	10,132	10,224	9,889	37,279	39,586
Worldwide	33,987	36,813	39,010	40,253	38,846	42,391	44,290	45,324	43,977	150,063	170,852
Mastercard Credit and Charge Programs
Worldwide less United States	11,761	12,704	13,352	13,610	13,108	14,188	14,960	15,317	14,788	51,427	57,573
United States	3,072	3,506	3,673	3,776	3,499	3,877	3,966	4,021	3,731	14,027	15,364
Worldwide	14,833	16,210	17,025	17,386	16,607	18,065	18,927	19,339	18,519	65,454	72,938
Mastercard Debit and Prepaid Programs
Worldwide less United States	13,568	14,726	16,116	16,948	16,500	18,212	19,198	19,782	19,299	61,358	73,692
United States	5,586	5,878	5,869	5,919	5,740	6,114	6,166	6,202	6,159	23,252	24,222
Worldwide	19,154	20,604	21,985	22,867	22,240	24,326	25,364	25,985	25,458	84,610	97,914
Purchase Transactions Growth
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24	FY 2022	FY 2023
APMEA	15.6%	16.1%	19.1%	12.2%	14.7%	12.7%	10.9%	11.5%	12.0%	15.7%	12.4%
Canada	15.3%	19.3%	13.6%	10.9%	17.5%	11.7%	11.1%	11.9%	11.7%	14.6%	12.8%
Europe	6.3%	-4.4%	-6.5%	-6.7%	18.2%	23.4%	19.6%	16.5%	16.5%	-3.5%	19.4%
Latin America	37.2%	35.8%	26.9%	19.2%	17.2%	14.9%	15.7%	17.0%	17.7%	28.9%	16.2%
Worldwide less United States	13.9%	7.9%	6.0%	3.1%	16.9%	18.1%	15.9%	14.9%	15.1%	7.3%	16.4%
United States	10.0%	6.4%	5.6%	3.8%	6.7%	6.5%	6.2%	5.5%	7.0%	6.3%	6.2%
Worldwide	12.9%	7.5%	5.9%	3.3%	14.3%	15.2%	13.5%	12.6%	13.2%	7.1%	13.9%
Mastercard Credit and Charge Programs
Worldwide less United States	16.4%	12.8%	9.6%	4.9%	11.4%	11.7%	12.0%	12.5%	12.8%	10.5%	12.0%
United States	26.5%	20.6%	17.1%	11.9%	13.9%	10.6%	8.0%	6.5%	6.6%	18.4%	9.5%
Worldwide	18.3%	14.4%	11.1%	6.3%	12.0%	11.4%	11.2%	11.2%	11.5%	12.1%	11.4%
Mastercard Debit and Prepaid Programs
Worldwide less United States	11.8%	4.0%	3.2%	1.7%	21.6%	23.7%	19.1%	16.7%	17.0%	4.8%	20.1%
United States	2.6%	-0.6%	-0.5%	-0.7%	2.8%	4.0%	5.1%	4.8%	7.3%	0.1%	4.2%
Worldwide	9.0%	2.6%	2.2%	1.1%	16.1%	18.1%	15.4%	13.6%	14.5%	3.5%	15.7%
Purchase Transactions Growth (Adjusted for Russia)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q1'22	Q2'22	Q3'22	Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24	FY 2022	FY 2023
Europe less Russia	34.9%	32.6%	27.5%	25.7%	28.8%	23.4%	19.6%	16.5%	16.5%	29.7%	21.6%
Worldwide less United States and Russia	27.4%	26.8%	24.1%	19.6%	21.6%	18.1%	15.9%	14.9%	15.1%	24.2%	17.4%
Worldwide less Russia	22.3%	20.9%	19.0%	15.3%	17.7%	15.2%	13.5%	12.6%	13.2%	19.2%	14.6%
Mastercard Credit and Charge Programs
Worldwide less United States and Russia	21.6%	20.9%	17.0%	11.5%	13.8%	11.7%	12.0%	12.5%	12.8%	17.4%	12.5%
Worldwide less Russia	22.6%	20.8%	17.0%	11.6%	13.8%	11.4%	11.2%	11.2%	11.5%	17.6%	11.9%
Mastercard Debit and Prepaid Programs
Worldwide less United States and Russia	33.2%	32.4%	30.7%	26.9%	28.7%	23.7%	19.1%	16.7%	17.0%	30.5%	21.6%
Worldwide less Russia	22.2%	20.9%	20.6%	18.4%	20.8%	18.1%	15.4%	13.6%	14.5%	20.4%	16.8%

May 1, 2024	Page:3

Supplemental Operational Performance 2022Q1-2024Q1

Cash Volume ($ Billions)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24		FY 2022		FY 2023
APMEA	$156	$157	$151	$151	$148	$152	$147	$150	$146	$615	$597
Canada	1	2	2	2	2	2	2	2	2	6	8
Europe	140	141	142	145	142	159	157	159	150	568	617
Latin America	41	44	45	50	49	52	56	60	62		180		217
Worldwide less United States	338	344	340	348	341	365	362	372	360	1,370	1,439
United States	58	60	61	59	60	62	63	60	60	239	245
Worldwide	396	404	401	407	401	427	425	431	421	1,609	1,684
Mastercard Credit and Charge Programs
Worldwide less United States	33	33	33	35	37	38	38	39	38	134	152
United States	8	9	10	10	10	10	11	10	10	36	41
Worldwide	41	42	43	44	47	49	49	49	49	170	193
Mastercard Debit and Prepaid Programs
Worldwide less United States	305	311	306	313	305	326	324	332	322	1,236	1,287
United States	50	52	52	50	50	52	52	50	50	203	204
Worldwide	355	363	358	363	355	378	376	382	372	1,439	1,491
Cash Volume Local Growth
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24		FY 2022		FY 2023
APMEA	2.4%	6.4%	5.2%	0.8%	3.1%	2.6%	0.6%	1.6%	1.2%	3.7%	2.0%
Canada	-9.4% 11.3% 17.6% 23.0%	34.4%	14.9%	20.2%	29.0%	19.9%	9.9%	24.4%
Europe	5.0%	-9.4%	-13.5%	-13.5%	9.5%	14.3%	7.9%	9.0%	10.3%	-8.5%	10.1%
Latin America	21.6%	24.5%	22.2%	15.7%	17.1%	14.6%	14.5%	11.6%	20.1%	20.7%	14.3%
Worldwide less United States	5.5%	1.0%	-1.8%	-4.0%	7.7%	9.1%	5.8%	6.4%	7.9%	0.0%	7.2%
United States	-12.2%	-11.8%	-3.6%	-0.1%	4.4%	2.8%	2.8%	0.6%	0.2%	-7.2%	2.6%
Worldwide	2.5%	-1.1%	-2.1%	-3.4%	7.2%	8.2%	5.3%	5.5%	6.7%	-1.1%	6.5%
Mastercard Credit and Charge Programs
Worldwide less United States	6.1% -1.5%-3.9%-4.2%	17.1%	20.1%	13.0%	15.3%	11.3%	-1.1%	16.3%
United States	29.7%	25.4%	20.8%	24.4%	26.9%	18.0%	12.6%	3.7%	2.9%	24.8%	14.7%
Worldwide	10.0%	3.2%	0.7%	0.8%	19.1%	19.7%	12.9%	12.7%	9.4%	3.4%	16.0%
Mastercard Debit and Prepaid Programs
Worldwide less United States	5.4%	1.3%	-1.6%	-4.0%	6.7%	8.0%	5.0%	5.4%	7.5%	0.1%	6.2%
United States	-16.4%	-16.0%	-7.1%	-3.8%	0.9%	0.2%	1.0%	0.0%	-0.3%	-11.2%	0.5%
Worldwide	1.7%	-1.6%	-2.4%	-3.9%	5.8%	6.8%	4.4%	4.7%	6.4%	-1.6%	5.4%
Cash Volume Local Growth (Adjusted for Russia)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23	Q1'24		FY 2022		FY 2023
Europe less Russia	22.6%	17.4%	14.5%	13.9%	15.0%	14.3%	7.9%	9.0%	10.3%	16.9%	11.4%
Worldwide less United States and Russia	12.0%	12.9%	11.0%	8.1%	9.8%	9.1%	5.8%	6.4%	7.9%	10.9%	7.7%
Worldwide less Russia	7.6%	8.3%	8.5%	6.8%	9.0%	8.2%	5.3%	5.5%	6.7%	7.8%	7.0%
Mastercard Credit and Charge Programs
Worldwide less United States and Russia	15.7%	18.1%	17.7%	16.9%	23.5%	20.1%	13.0%	15.3%	11.3%	17.1%	17.8%
Worldwide less Russia	18.2%	19.6%	18.4%	18.4%	24.2%	19.7%	12.9%	12.7%	9.4%	18.7%	17.1%
Mastercard Debit and Prepaid Programs
Worldwide less United States and Russia	11.6%	12.3%	10.4%	7.2%	8.4%	8.0%	5.0%	5.4%	7.5%	10.3%	6.6%
Worldwide less Russia	6.6%	7.2%	7.5%	5.5%	7.3%	6.8%	4.4%	4.7%	6.4%	6.7%	5.8%

May 1, 2024	Page:4

Supplemental Operational Performance 2022Q1-2024Q1

Cash Transactions (Millions)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24		FY 2022	FY 2023
APMEA	1,502	1,534	1,557	1,575	1,489	1,522	1,508	1,512	1,446	6,168	6,030
Canada	5	6	6	6	6	6	7	8	8	22	28
Europe	899	985	1,004	993	917	1,000	991	987	922	3,881	3,894
Latin America	349	379	399	421	406	419	436	460	464		1,547	1,722
Worldwide less United States	2,755	2,903	2,966	2,995	2,819	2,947	2,942	2,966	2,840	11,619	11,674
United States	280	296	299	285	278	289	296	279	273		1,160	1,142
Worldwide	3,035	3,199	3,265	3,280	3,097	3,236	3,238	3,245	3,113	12,779	12,816
Mastercard Credit and Charge Programs
Worldwide less United States	144	160	162	166	164	167	167	174	163	632	672
United States	8	8	9	9	9	9	10	9	9	34	36
Worldwide	152	168	171	175	173	176	177	183	171	666	708
Mastercard Debit and Prepaid Programs
Worldwide less United States	2,611	2,743	2,804	2,829	2,655	2,780	2,774	2,793	2,677	10,987	11,002
United States	272	288	290	276	269	280	287	270	265	1,126	1,106
Worldwide	2,883	3,031	3,094	3,104	2,924	3,060	3,061	3,063	2,942	12,113	12,107
Cash Transactions Growth
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24		FY 2022	FY 2023
APMEA	-3.4% 1.6% 2.0% -2.4%	-0.9%	-0.8%-3.2%-4.0%-2.9%	-0.6%	-2.2%
Canada	29.5%	31.6%	11.7%	14.8%	27.3%	12.9%	25.1%	31.6%	26.7%	21.0%	24.2%
Europe	-1.1%	-6.0%-10.5%-10.0%	2.0%	1.5%	-1.4%	-0.6%	0.5%	-7.2%	0.3%
Latin America	26.4%	30.1%	24.5%	15.9%	16.5%	10.7%	9.5%	9.2%	14.2%	23.7%	11.3%
Worldwide less United States	0.4%	1.8%	-0.3%	-2.9%	2.3%	1.5%	-0.8%	-1.0%	0.7%	-0.3%	0.5%
United States	-10.8%	-10.8%-6.1%-4.7%	-0.8%	-2.4%-1.0%-2.0%-1.6%	-8.2%	-1.5%
Worldwide	-0.8%	0.5%	-0.8%	-3.1%	2.0%	1.1%	-0.8%	-1.0%	0.5%	-1.1%	0.3%
Mastercard Credit and Charge Programs
Worldwide less United States	0.8%	3.3%	-0.1%	0.2%	13.9%	4.2%	3.5%	4.4%	-1.0%	1.0%	6.3%
United States	28.1%	15.0%	15.7%	11.5%	12.8%	12.9%	4.3%	1.5%	3.3%	16.9%	7.5%
Worldwide	1.9%	3.8%	0.6%	0.7%	13.8%	4.6%	3.5%	4.3%	-0.7%	1.7%	6.3%
Mastercard Debit and Prepaid Programs
Worldwide less United States	0.4%	1.7%	-0.3%	-3.1%	1.7%	1.4%	-1.1%	-1.3%	0.8%	-0.4%	0.1%
United States	-11.5%	-11.4%-6.7%-5.2%	-1.1%	-2.8%-1.2%-2.1%-1.8%	-8.8%	-1.8%
Worldwide	-0.9%	0.3%	-0.9%	-3.3%	1.4%	1.0%	-1.1%	-1.3%	0.6%	-1.2%	0.0%
Cash Transactions Growth (Adjusted for Russia)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24		FY 2022	FY 2023
Europe less Russia	13.4%	9.3%	2.6%	2.4%	4.0%	1.5% -1.4%-0.6%	0.5%	6.5%	0.8%
Worldwide less United States and Russia	4.8%	7.3%	4.8%	1.5%	3.0%	1.5% -0.8%-1.0%	0.7%	4.5%	0.6%
Worldwide less Russia	3.1%	5.3%	3.7%	0.9%	2.6%	1.1%	-0.8%	-1.0%	0.5%	3.2%	0.4%
Mastercard Credit and Charge Programs
Worldwide less United States and Russia	9.8% 16.0% 11.2% 10.7% 17.3%	4.2%	3.5%	4.4%	-1.0%	11.9%	7.0%
Worldwide less Russia	10.6%	16.0%	11.4%	10.7%	17.0%	4.6%	3.5%	4.3%	-0.7%	12.2%	7.0%
Mastercard Debit and Prepaid Programs
Worldwide less United States and Russia	4.5%	6.8%	4.4%	1.0%	2.2%	1.4% -1.1%-1.3%	0.8%	4.1%	0.3%
Worldwide less Russia	2.7%	4.8%	3.3%	0.4%	1.9%	1.0%	-1.1%	-1.3%	0.6%	2.8%	0.1%

May 1, 2024	Page:5

Supplemental Operational Performance 2022Q1-2024Q1

Cards (Millions)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q1'22	Q2'22	Q3'22	Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24		FY 2022		FY 2023
APMEA	895	899	895	895	904	918	929	938	944	895	938
Canada	67	68	70	73	74	76	78	81	82	73	81
Europe	640	667	702	722	738	756	789	813	837	722	813
Latin America	336	349	364	377	382	399	417	444	460		377		444
Worldwide less United States	1,937	1,983	2,031	2,067	2,099	2,149	2,213	2,276	2,322	2,067	2,276
United States	578	593	604	620	635	654	658	671	684	620	671
Worldwide	2,516	2,577	2,635	2,687	2,733	2,803	2,871	2,948	3,006	2,687	2,948
Mastercard Credit and Charge Programs
Worldwide less United States	737	743	749	756	757	771	782	794	802	756	794
United States	277	293	298	303	314	324	326	330	333	303	330
Worldwide	1,014	1,036	1,047	1,059	1,070	1,095	1,108	1,124	1,135	1,059	1,124
Mastercard Debit and Prepaid Programs
Worldwide less United States	1,201	1,240	1,282	1,311	1,342	1,378	1,431	1,482	1,520	1,311	1,482
United States	301	300	306	317	321	330	332	341	351	317	341
Worldwide	1,502	1,540	1,588	1,628	1,663	1,709	1,762	1,823	1,871	1,628	1,823
Cards Growth
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q1'22	Q2'22	Q3'22	Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24		FY 2022		FY 2023
APMEA	1.3%	1.7%	0.7%	0.6%	1.1%	2.1%	3.7%	4.8%	4.4%	0.6%	4.8%
Canada	6.8%	7.8%	10.0%	10.5%	11.2%	12.0%	12.3%	10.9%	10.4%	10.5%	10.9%
Europe	-4.8%-3.2%-1.3%	-2.1%	15.4%	13.3%	12.3%	12.6%	13.4%	-2.1%	12.6%
Latin America	37.8%	33.3%	26.0%	18.0%	13.5%	14.3%	14.5%	17.7%	20.3%	18.0%	17.7%
Worldwide less United States	4.1%	4.5%	4.1%	2.7%	8.3%	8.4%	8.9%	10.1%	10.6%	2.7%	10.1%
United States	12.2%	10.6%	10.0%	8.9%	9.7%	10.3%	8.9%	8.3%	7.8%	8.9%	8.3%
Worldwide	5.8%	5.8%	5.4%	4.0%	8.6%	8.8%	8.9%	9.7%	10.0%	4.0%	9.7%
Mastercard Credit and Charge Programs
Worldwide less United States	2.8%	2.3%	0.7%	-0.8%	2.7%	3.8%	4.4%	4.9%	5.9%	-0.8%	4.9%
United States	11.3%	13.8%	13.1%	10.8%	13.1%	10.5%	9.4%	9.2%	6.2%	10.8%	9.2%
Worldwide	5.0%	5.3%	3.9%	2.3%	5.6%	5.7%	5.8%	6.1%	6.0%	2.3%	6.1%
Mastercard Debit and Prepaid Programs
Worldwide less United States	4.8%	5.8%	6.1%	4.8%	11.8%	11.1%	11.6%	13.1%	13.3%	4.8%	13.1%
United States	13.1%	7.5%	7.1%	7.1%	6.6%	10.1%	8.4%	7.4%	9.2%	7.1%	7.4%
Worldwide	6.4%	6.1%	6.3%	5.2%	10.7%	10.9%	11.0%	12.0%	12.5%	5.2%	12.0%
Cards Growth (Adjusted for Russia)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Q1'24		FY 2022		FY 2023
Europe less Russia	12.4%	14.3%	16.9%	15.8%	15.4%	13.3%	12.3%	12.6%	13.4%	15.8%	12.6%
Worldwide less United States and Russia	10.1%	10.6%	10.3%	8.9%	8.3%	8.4%	8.9%	10.1%	10.6%	8.9%	10.1%
Worldwide less Russia	10.6%	10.6%	10.2%	8.9%	8.6%	8.8%	8.9%	9.7%	10.0%	8.9%	9.7%
Mastercard Credit and Charge Programs
Worldwide less United States and Russia	8.2%	7.6%	5.9%	4.4%	2.7%	3.8%	4.4%	4.9%	5.9%	4.4%	4.9%
Worldwide less Russia	9.0%	9.3%	7.8%	6.1%	5.6%	5.7%	5.8%	6.1%	6.0%	6.1%	6.1%
Mastercard Debit and Prepaid Programs
Worldwide less United States and Russia	11.4%	12.5%	13.0%	11.6%	11.8%	11.1%	11.6%	13.1%	13.3%	11.6%	13.1%
Worldwide less Russia	11.7%	11.5%	11.9%	10.7%	10.7%	10.9%	11.0%	12.0%	12.5%	10.7%	12.0%

Note that the figures in the preceding tables may not sum due to rounding; growth represents change from the comparable year- ago period.

May 1, 2024	Page:6

Supplemental Operational Performance 2022Q1-2024Q1

Footnote

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

Debit transactions on Maestro® and Cirrus®-branded cards and transactions involving brands other than Mastercard are not included in the preceding tables.

For purposes of the table: GDV represents purchase volume plus cash volume and includes the impact of balance transfers and convenience checks; "purchase volume" means the aggregate dollar amount of purchases made with Mastercard-branded cards for the relevant period; and "cash volume" means the aggregate dollar amount of cash disbursements and includes the impact of balance transfers and convenience checks obtained with Mastercard- branded cards for the relevant period. The number of cards includes virtual cards, which are Mastercard-branded payment accounts that do not generally have physical cards associated with them.

The Mastercard payment product is comprised of credit, charge, debit and prepaid programs, and data relating to each type of program is included in the tables. The tables include information with respect to transactions involving Mastercard-branded cards that are not switched by Mastercard and transactions for which Mastercard does not earn significant revenues.

Information denominated in U.S. dollars is calculated by applying an established U.S. dollar/local currency exchange rate for each local currency in which Mastercard volumes are reported. These exchange rates are calculated on a quarterly basis using the average exchange rate for each quarter. Mastercard reports period-over-period rates of change in purchase volume and cash volume on the basis of local currency information, in order to eliminate the impact of changes in the value of foreign currencies against the U.S. dollar in calculating such rates of change.

The data set forth in the GDV, purchase volume, purchase transactions, cash volume and cash transactions columns is provided by Mastercard customers and is subject to verification by Mastercard and partial cross-checking against information provided by Mastercard's transaction switching systems. The data set forth in the cards columns is provided by Mastercard customers and is subject to certain limited verification by Mastercard. A portion of the data set forth in the cards columns reflects the impact of routine portfolio changes among customers and other practices that may lead to over counting of the underlying data in certain circumstances. All data is subject to revision and amendment by Mastercard or Mastercard's customers. Starting in the first quarter of 2022, data related to

sanctioned Russian banks was not reported to us and hence such amounts are not included. Subsequent to the suspension of our business operations in Russia in March 2022, there is no Russian data to be reported.

To aid in understanding the underlying trends in the business due to imposed sanctions and the suspension of our business operations in Russia in the first quarter of 2022, we are providing supplementary information in each table to reflect adjusted growth rates for key operational metrics excluding activity related from Russian issued cards from current and prior periods. Additionally, as a result of the suspension of our business operations during the first quarter of 2022, cards issued by Russian banks are no longer active on our network and are therefore excluded from our card counts.

May 1, 2024	Page:7

Supplemental Operational Performance 2022Q1-2024Q1

2. Switched Transactions

The table below sets forth the total number of transactions switched by Mastercard and growth from the comparable year-ago period.

	Switched
	Trans.			Growth Adj
Period	(Mil.)	Growth	(1)	for Russia	(1)
2024Q1	36,651	13%		13%
2023Q4	38,058	12%		12%
2023Q3	37,155	15%		15%
2023Q2	35,519	17%		17%
2023Q1	32,464	12%		20%
2022Q4	33,959	8%		18%
2022Q3	32,352	9%		19%
2022Q2	30,411	12%		22%
2022Q1	28,958	22%		24%
FY 2023	143,196	14%		16%
FY 2022	125,680	12%		21%

3. Cross Border Volume

The table below sets forth the Cross Border Volume Growth from the comparable year-ago period, on a local currency basis and U.S. dollar-converted basis, for all Mastercard-branded programs.

					Growth Adj	Growth Adj
	Growth	Growth	for Russia	for Russia
Period	(Local)	(1)	(USD)	(1)	(Local)	(1)	(USD)	(1)
2024Q1		18%		19%	18%		19%
2023Q4		18%		21%	18%		21%
2023Q3		21%		26%	21%		26%
2023Q2		24%		23%	24%		23%
2023Q1		35%		29%	40%		33%
2022Q4		31%		20%	37%		24%
2022Q3		44%		29%	50%		33%
2022Q2		58%		46%	64%		50%
2022Q1		53%		45%	52%		45%
FY 2023		24%		25%	25%		25%
FY 2022		45%		33%	50%		37%

Note:

(1) The cross-border volume and switched transactions growth rates have been normalized to eliminate the effects of differing switching and carryover days between periods, as needed, with the exception of leap year. Carryover days are those where transactions and volumes from days where the company does not clear and settle are processed.

May 1, 2024	Page:8

Supplemental Operational Performance 2022Q1-2024Q1

4. Cards

The tables below set forth the number of Mastercard, Maestro and Total Cards with growth rates from the comparable year-ago period.

	Mastercard Cards			Maestro Cards		Total WW Mastercard & Maestro Cards
	Cards	Actual	Growth Adj		Cards	Actual	Growth Adj		Cards	Actual	Growth Adj
Period	(Mil.)	Growth	for Russia	Period	(Mil.)	Growth	for Russia	Period	(Mil.)	Growth	for Russia
2024Q1	3,006	10.0%	10.0%	2024Q1	371	-3.9%	-3.9%	2024Q1	3,377	8.3%	8.3%
2023Q4	2,948	9.7%	9.7%	2023Q4	378	-2.7%	-2.7%	2023Q4	3,325	8.1%	8.1%
2023Q3	2,871	8.9%	8.9%	2023Q3	380	-2.0%	-2.0%	2023Q3	3,251	7.5%	7.5%
2023Q2	2,803	8.8%	8.8%	2023Q2	388	0.7%	0.7%	2023Q2	3,192	7.7%	7.7%
2023Q1	2,733	8.6%	8.6%	2023Q1	387	1.4%	1.4%	2023Q1	3,120	7.7%	7.7%
2022Q4	2,687	4.0%	8.9%	2022Q4	388	-0.9%	0.9%	2022Q4	3,075	3.4%	7.8%
2022Q3	2,635	5.4%	10.2%	2022Q3	388	-1.8%	0.0%	2022Q3	3,023	4.4%	8.8%
2022Q2	2,577	5.8%	10.6%	2022Q2	385	-2.8%	-0.9%	2022Q2	2,962	4.6%	8.9%
2022Q1	2,516	5.8%	10.6%	2022Q1	381	-5.2%	-3.3%	2022Q1	2,897	4.2%	8.6%

May 1, 2024	Page:9