MasterCard : 2020 Q2 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 June 30, 2020, 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	Q2'18	Q3'18	Q4'18	Q1'19	Q2'19	Q3'19	Q4'19	Q1'20	Q2'20		FY 2018		FY 2019
APMEA	$450	$446	$468	$459	$481	$491	$520	$472	$409	$1,800	$1,951
Canada	44	44	46	39	46	47	49	40	39	173	181
Europe	435	438	458	429	479	509	532	467	398	1,738	1,948
Latin America	100	99	111	105	110	113	123	107	74		412		451
Worldwide less United States	1,029	1,026	1,084	1,032	1,115	1,161	1,223	1,087	919	4,123	4,531
United States	442	442	465	450	486	493	507	478	464		1,769	1,937
Worldwide	1,471	1,468	1,549	1,483	1,601	1,654	1,730	1,565	1,383	5,892	6,468
Mastercard Credit and Charge Programs
Worldwide less United States	545	535	560	530	560	578	601	528	435	2,168	2,268
United States	211	213	228	212	237	244	254	227	183	846	947
Worldwide	756	748	788	742	796	822	855	755	619	3,014	3,216
Mastercard Debit and Prepaid Programs
Worldwide less United States	484	492	523	502	556	583	622	558	484	1,956	2,262
United States	232	229	238	238	249	249	254	251	280	923	990
Worldwide	715	721	761	740	805	831	876	809	764	2,879	3,253
GDV Local Growth
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q2'18 Q3'18 Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20		FY 2018		FY 2019
APMEA	13.2%	12.7%	13.1%	11.4%	12.3%	12.3%	11.7%	5.6%	-11.6%	12.8%	11.9%
Canada	9.2%	10.3%	11.6%	5.8%	7.7%	8.8%	5.1%	4.1%	-12.6%	10.2%	6.9%
Europe	19.6%	18.7%	19.7%	17.3%	18.6%	20.0%	17.4%	12.3%	-12.5%	19.2%	18.3%
Latin America	17.2%	16.2%	16.9%	13.3%	15.8%	18.2%	14.6%	12.5%	-16.8%	16.8%	15.4%
Worldwide less United States	16.0%	15.4%	16.1%	13.7%	15.0%	16.0%	14.1%	9.0%	-12.5%	15.7%	14.7%
United States	9.4%	8.7%	10.2%	7.5%	9.9%	11.6%	9.0%	6.1%	-4.6%	9.7%	9.5%
Worldwide	14.0%	13.3%	14.3%	11.7%	13.4%	14.7%	12.6%	8.1%	-10.0%	13.8%	13.1%
Mastercard Credit and Charge Programs
Worldwide less United States	12.7%	11.6%	12.8%	9.0%	9.6%	11.2%	9.2%	3.9%	-17.5%	12.2%	9.7%
United States	7.6%	7.7%	9.8%	9.3%	12.3%	14.6%	11.4%	7.0%	-22.5%	8.5%	12.0%
Worldwide	11.3%	10.5%	11.9%	9.0%	10.4%	12.2%	9.8%	4.8%	-19.0%	11.2%	10.4%
Mastercard Debit and Prepaid Programs
Worldwide less United States	20.0%	19.9%	19.9%	19.2%	21.1%	21.2%	19.3%	14.3%	-7.5%	19.8%	20.2%
United States	11.2%	9.6%	10.6%	5.9%	7.7%	8.8%	6.7%	5.4%	12.4%	10.8%	7.3%
Worldwide	17.0%	16.4%	16.8%	14.6%	16.6%	17.2%	15.3%	11.4%	-1.0%	16.8%	15.9%

Supplemental Operational Performance 2018Q2-2020Q2

Purchase Volume ($ Billions)

All Mastercard Credit,

Charge, Debit and Prepaid Programs	Q2'18	Q3'18	Q4'18	Q1'19	Q2'19	Q3'19	Q4'19	Q1'20	Q2'20		FY 2018		FY 2019
APMEA	$307	$305	$319	$308	$320	$327	$347	$310	$281	$1,227	$1,301
Canada	42	42	45	37	44	45	47	39	36	166	173
Europe	286	289	304	287	320	340	355	313	266	1,148	1,301
Latin America	64	62	71	68	71	74	79	70	48		262		292
Worldwide less United States	699	698	738	699	754	787	828	732	632	2,803	3,068
United States	384	385	408	392	427	433	449	419	405		1,536	1,701
Worldwide	1,083	1,082	1,146	1,091	1,181	1,220	1,277	1,151	1,037	4,339	4,769
Mastercard Credit and Charge Programs
Worldwide less United States	505	495	520	492	520	537	557	488	404	2,008	2,106
United States	202	205	219	203	228	234	244	217	179	811	909
Worldwide	707	700	739	695	748	771	801	705	583	2,819	3,015
Mastercard Debit and Prepaid Programs
Worldwide less United States	194	202	218	208	234	250	270	244	227	794	962
United States	182	180	189	188	199	199	205	202	226	726	792
Worldwide	376	382	407	396	433	449	475	446	453	1,520	1,753
Purchase Volume Local Growth
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q2'18 Q3'18 Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20		FY 2018		FY 2019
APMEA	14.7%	13.4%	13.7%	9.9%	10.1%	10.5%	10.3%	4.3%	-8.7%	13.3%	10.2%
Canada	9.6%	10.4%	11.5%	5.7%	7.7%	9.3%	5.5%	4.2%	-15.5%	10.3%	7.1%
Europe	23.2%	22.2%	22.8%	18.4%	20.5%	22.0%	18.5%	12.6%	-12.8%	22.6%	19.9%
Latin America	22.0%	21.4%	21.7%	17.8%	20.2%	22.8%	19.3%	17.0%	-12.5%	21.8%	20.0%
Worldwide less United States	18.4%	17.4%	17.9%	13.7%	15.1%	16.3%	14.2%	8.9%	-11.2%	17.5%	14.8%
United States	10.5%	10.7%	11.4%	9.0%	11.2%	12.6%	10.0%	7.0%	-5.1%	10.9%	10.7%
Worldwide	15.5%	14.9%	15.5%	12.0%	13.6%	14.9%	12.7%	8.2%	-8.9%	15.1%	13.3%
Mastercard Credit and Charge Programs
Worldwide less United States	13.9%	12.6%	13.5%	9.3%	10.0%	11.5%	9.2%	3.4%	-17.5%	13.2%	10.0%
United States	8.2%	9.0%	10.4%	10.0%	12.5%	14.4%	11.4%	6.6%	-21.4%	9.1%	12.1%
Worldwide	12.2%	11.5%	12.5%	9.5%	10.8%	12.3%	9.9%	4.4%	-18.8%	12.0%	10.6%
Mastercard Debit and Prepaid Programs
Worldwide less United States	32.0%	31.1%	30.0%	25.6%	28.1%	28.1%	26.1%	21.6%	3.0%	30.3%	27.0%
United States	13.2%	12.7%	12.6%	8.0%	9.6%	10.6%	8.4%	7.4%	13.5%	13.0%	9.2%
Worldwide	22.2%	21.7%	21.3%	16.6%	18.9%	19.7%	17.8%	14.7%	8.0%	21.4%	18.3%

July 30, 2020	Page:2

Supplemental Operational Performance 2018Q2-2020Q2

Purchase Transactions (Millions)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q2'18 Q3'18 Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20		FY 2018	FY 2019
APMEA	5,215	5,468	5,866	5,652	6,248	6,549	6,906	6,309	5,899	21,306	25,355
Canada	635	651	698	611	710	748	753	653	572	2,538	2,821
Europe	7,328	7,780	8,410	8,307	9,583	10,249	10,789	10,227	9,051	29,978	38,928
Latin America	2,186	2,300	2,530	2,474	2,720	2,923	3,084	2,915	2,339		9,077	11,201
Worldwide less United States	15,364	16,199	17,504	17,043	19,261	20,470	21,531	20,105	17,861	62,900	78,305
United States	6,865	6,931	7,242	6,894	7,569	7,745	7,898	7,342	6,940		27,398	30,107
Worldwide	22,230	23,130	24,747	23,938	26,830	28,215	29,429	27,447	24,802	90,298	108,412
Mastercard Credit and Charge Programs
Worldwide less United States	8,090	8,427	9,012	8,615	9,563	10,158	10,532	9,687	8,423	32,974	38,869
United States	2,248	2,321	2,485	2,250	2,557	2,687	2,793	2,464	2,032	9,073	10,287
Worldwide	10,338	10,748	11,497	10,865	12,120	12,846	13,325	12,151	10,455	42,047	49,156
Mastercard Debit and Prepaid Programs
Worldwide less United States	7,274	7,771	8,492	8,428	9,698	10,311	10,999	10,418	9,439	29,926	39,436
United States	4,617	4,610	4,758	4,644	5,012	5,058	5,105	4,878	4,908	18,325	19,819
Worldwide	11,891	12,381	13,250	13,072	14,710	15,369	16,104	15,296	14,347	48,251	59,256
Purchase Transactions Growth
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q2'18 Q3'18 Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20		FY 2018	FY 2019
APMEA	21.2%	20.1%	22.3%	18.8%	19.8%	19.8%	17.7%	11.6%	-5.6%	20.4%	19.0%
Canada	11.1%	11.8%	16.6%	10.2%	11.8%	14.9%	7.8%	7.0%	-19.5%	12.6%	11.1%
Europe	30.7%	29.2%	30.2%	28.6%	30.8%	31.7%	28.3%	23.1%	-5.5%	29.9%	29.9%
Latin America	20.2%	19.2%	21.2%	20.0%	24.5%	27.1%	21.9%	17.9%	-14.0%	18.9%	23.4%
Worldwide less United States	24.9%	23.8%	25.5%	23.2%	25.4%	26.4%	23.0%	18.0%	-7.3%	24.2%	24.5%
United States	9.8%	9.8%	11.2%	8.4%	10.3%	11.7%	9.1%	6.5%	-8.3%	10.2%	9.9%
Worldwide	19.8%	19.2%	21.0%	18.5%	20.7%	22.0%	18.9%	14.7%	-7.6%	19.6%	20.1%
Mastercard Credit and Charge Programs
Worldwide less United States	15.6%	15.3%	18.0%	15.7%	18.2%	20.5%	16.9%	12.4%	-11.9%	15.8%	17.9%
United States	7.3%	8.6%	11.9%	11.4%	13.8%	15.8%	12.4%	9.5%	-20.5%	8.8%	13.4%
Worldwide	13.7%	13.8%	16.6%	14.8%	17.2%	19.5%	15.9%	11.8%	-13.7%	14.2%	16.9%
Mastercard Debit and Prepaid Programs
Worldwide less United States	37.2%	34.5%	34.7%	31.9%	33.3%	32.7%	29.5%	23.6%	-2.7%	34.9%	31.8%
United States	11.0%	10.3%	10.9%	7.0%	8.5%	9.7%	7.3%	5.0%	-2.1%	10.9%	8.2%
Worldwide	25.7%	24.4%	25.1%	21.8%	23.7%	24.1%	21.5%	17.0%	-2.5%	24.7%	22.8%

July 30, 2020	Page:3

Supplemental Operational Performance 2018Q2-2020Q2

Cash Volume ($ Billions)
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q2'18 Q3'18 Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20	FY 2018	FY 2019
APMEA	$143	$141	$149	$152	$161	$164	$173	$162	$128	$573	$650
Canada	2	2	2	2	2	2	2	2	3	7	7
Europe	149	149	154	142	159	169	177	154	132	591	647
Latin America	37	37	40	37	39	39	43	37	25	150	159
Worldwide less United States	330	329	346	333	361	374	395	355	287	1,321	1,463
United States	58	57	57	59	59	60	59	59	59	233	237
Worldwide	388	386	403	391	420	434	454	414	346	1,554	1,699
Mastercard Credit and Charge Programs
Worldwide less United States	40	39	40	38	39	41	43	40	31	159	162
United States	9	8	9	9	9	10	10	10	5	35	38
Worldwide	49	48	49	47	49	51	53	50	35	195	200
Mastercard Debit and Prepaid Programs
Worldwide less United States	290	289	305	295	322	333	352	315	257	1,161	1,301
United States	50	49	49	50	50	50	48	49	54	197	198
Worldwide	340	338	354	344	372	383	400	363	311	1,359	1,499
Cash Volume Local Growth
All Mastercard Credit,
Charge, Debit and Prepaid Programs	Q2'18 Q3'18 Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20	FY 2018	FY 2019
APMEA	10.1%	11.3%	11.8%	14.4%	16.9%	16.3%	14.5%	8.2%	-17.4%	11.6%	15.5%
Canada	-1.0%	9.3%	13.8%	8.7%	7.4%	-2.8%	-3.8%	0.5%	58.6%	6.6%	2.1%
Europe	13.2%	12.4%	14.0%	15.2%	14.9%	16.1%	15.2%	11.7%	-11.9%	13.2%	15.4%
Latin America	9.6%	8.3%	9.4%	5.8%	8.5%	10.4%	6.8%	4.9%	-24.1%	9.0%	7.9%
Worldwide less United States	11.4%	11.4%	12.5%	13.7%	15.0%	15.5%	13.8%	9.3%	-15.2%	12.0%	14.5%
United States	2.9%	-3.2%	2.1%	-1.9%	1.7%	4.8%	2.0%	0.3%	-0.7%	2.2%	1.6%
Worldwide	10.0%	9.0%	10.9%	11.1%	12.9%	13.8%	12.1%	7.9%	-13.1%	10.4%	12.5%
Mastercard Credit and Charge Programs
Worldwide less United States	0.3%	0.4%	5.0%	4.3%	4.5%	8.0%	8.4%	9.3%	-16.5%	1.4%	6.4%
United States	-4.4%	-16.9%	-3.3%	-5.2%	8.1%	19.9%	13.4%	14.2%	-49.4%	-3.7%	8.7%
Worldwide	-0.5%	-3.1%	3.4%	2.3%	5.2%	10.1%	9.3%	10.3%	-23.1%	0.5%	6.8%
Mastercard Debit and Prepaid Programs
Worldwide less United States	13.1%	13.1%	13.6%	15.0%	16.4%	16.5%	14.5%	9.3%	-15.1%	13.6%	15.6%
United States	4.2%	-0.4%	3.1%	-1.3%	0.6%	2.2%	-0.1%	-2.2%	8.3%	3.3%	0.3%
Worldwide	11.7%	10.9%	12.0%	12.4%	14.0%	14.4%	12.5%	7.6%	-11.8%	12.0%	13.3%

July 30, 2020	Page:4