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2017 Investment Community Meeting September 7, 2017 Agenda 10:10 A.M 2017 Investment Community Meeting September 7, 2017 Agenda 7:30 a.m. Registration 10:30 a.m. International Markets Ann Cairns 8:30 a.m. Welcome 10:40 a.m. Europe Panel Discussion Warren Kneeshaw Ann Cairns, Javier Perez, Mark Barnett, Carlo Enrico 8:35 a.m. Our Strategy Advances 11:05 a.m. Emerging Markets Ajay Banga Ling Hai, Ari Sarker, Gilberto Caldart 8:50 a.m. Global Products: 11:20 a.m. Financial Perspective Powering Choice and Convenience Martina Hund-Mejean Michael Miebach 9:15 a.m. Addressing Digital Opportunities 11:35 a.m. Q&A Session Garry Lyons 9:35 a.m. Securing and Advancing Commerce Ajay Bhalla 9:45 a.m. North American Markets Craig Vosburg 10:10 a.m. Break ©2017 Mastercard. Forward looking statements Today’s presentation may contain, in addition to historical information, forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are based on our current assumptions, expectations and projections about future events which reflect the best judgment of management and involve a number of risks and uncertainties that could cause actual results to differ materially from those suggested by our comments today. You should review and consider the information contained in our filings with the SEC regarding these risks and uncertainties. Mastercard disclaims any obligation to publicly update or revise any forward-looking statements or information provided during today’s presentations. Any non-GAAP information contained in today’s presentations is reconciled to its GAAP equivalent in the appendices at the end of this presentation. ©2017 Mastercard. 2017 Investment Community Meeting Our Strategy Advances Ajay Banga President and Chief Executive Officer Creating shareholder value Total Shareholder Return1 Jan 1, 2012 - Aug 31, 2017 269% 275% Currency-Neutral 250% Mastercard 5-Year CAGR%2 225% S&P 500 Net Revenue 13% 200% S&P 500 Info Tech 168% 175% EPS 19% 150% 121% 125% 100% 75% 50% 25% 0% -25% 2012 2013 2014 2015 2016 2017 YTD ©2017 Mastercard. 1 Source: Factset. 2 Note: See Appendix A for non-GAAP reconciliation. Our strategy advances GROW DIVERSIFY BUILD Core Business Customers & Geographies New Businesses • Consumer Credit • Merchants • Advisors • Debit • Businesses • Safety & Security • Commercial • Governments • Loyalty & Rewards • Prepaid • Financial Inclusion • Processing • Physical-Digital • New Markets • Fast ACH Convergence Enabled by Brand, Data, Technology and People ©2017 Mastercard. Rapidly evolving payments landscape Current trends Emerging trends Acceleration of Shift to card Electronic Payments Real-time payments and Fast ACH Consulting, data analytics, Demand for Automated services, ACH services fraud and loyalty solutions Adjacent Services Evolution of Artificial Intelligence, IoT-based Digital payments, QR codes Technology payments Security and Protecting data across all devices POS and online focused Cybersecurity Threats and channels Emerging market and social media Digital players, telcos, startups New Entrants players Financial inclusion, interchange Regulatory Interest New domestic schemes, regulation, domestic schemes and Nationalism increasing regulatory actions ©2017 Mastercard. Expanded Market size by payment flow capabilities Volume in $ Trillions increasing our $451 $120 $60 $2251,2 opportunity... 11 more than 49 86 4x 58 90% 60 114 17 5 2 20 22 10% PCE B2B P2P/B2C TOTAL Carded ACH Cash & Check Note: Figures may not sum due to rounding. ©2017 Mastercard. 1 Includes approximately $4 trillion in non-purchase personal consumption. 2 Includes non-PCE card spend. Sources: 2016 – Oxford Economics, Euromonitor International, Kaiser Associates, McKinsey Payment Data; Mastercard internal analysis. Delivering value through services Safety & Loyalty Security & Rewards Driving Our Core Business Processing Card or Account-based Delivering solutions Differentiation Advisors Winning Labs as Data a Service Analytics Deals ©2017 Mastercard. Closing thoughts Significant untapped Executing our strategy Building opportunity ahead of us around the world new capabilities and differentiating with services Anticipating market and Addressing nationalism, Well-positioned technology trends regulatory risks and for continued competitive disruption long-term growth ©2017 Mastercard. 2017 Investment Community Meeting Global Products: Powering Choice and Convenience Michael Miebach Chief Product Officer Our product strategy – powering choice and convenience Grow, Diversify, Build Who What How Partners Differentiated Products Seamless, Digitized Technology Value-Added Services Every Device an Acceptance Device Consumers World Class Brand Multi-Rail Network ©2017 Mastercard. Capturing more payment flows PCE B2B P2P / B2C Point of Accounts Product Solutions Interaction Payable Consumer Cards (Credit, Debit, Prepaid) Commercial Cards (SME, T&E, P-Card, Fleet) Virtual Cards / Mastercard B2B Hub™ Mastercard Send™ / HomeSend Fast ACH Market Size* $45T $120T $60T $225T Opportunity Card Rails ACH / Fast ACH Rails ©2017 Mastercard. * Source: 2016 – Oxford Economics, Euromonitor, McKinsey Payment Data, Kaiser, Mastercard Estimates Delivering strong results and growth 1H 17 Global GDV* Consumer +7% Credit Consumer +8% Debit Prepaid +15% Commercial +15% ©2017 Mastercard. * Adjusted for the impact of recent EU regulatory changes (Article 8). See Appendix F Winning affluent credit around the world Evolving Affluent Yielding Results Consumer Expectations What We Bring Affluent cards growing 5x Personalized faster than affluent segment* Hyper-Personalized Benefits Leading share of affluent spend in UK Priceless Experiences Experiences and over Things Winning 9 out of 10 deals Luxury Properties in MEA Affluent portfolio Ease & Easy to Use growing ~30% YoY in LAC Consistency Expanding into India; Premium wins in China Digital Digital by Default Citi Prestige enhancements in US ©2017 Mastercard. * Mastercard internal analysis. Accelerating commercial growth into the B2B opportunity Sizeable B2B Yielding Results opportunity Dual track approach MA Commercial Card PV Global Commercial Flows Point of Interaction ($T) Real-time payment certainty +13% 120 CAGR SME T&E 100 Purchasing Fleet Accounts Payable 2020 Data and efficiency 2013 2016 Point of Accounts Total Interaction Payable Virtual Mastercard Cards Send Primarily Primarily MA growth card, check ACH and and cash check significantly outpacing Mastercard Vocalink the market B2B Hub™ ©2017 Mastercard. Our network strategy – enabling all electronic payments Senders Receivers Person Person Merchant Merchant Differentiated Products Business Value-Added Services Business All Electronic Rails Government Government ©2017 Mastercard. Driving Fast ACH through Vocalink Fast ACH features Competitively advantaged to succeed Enhanced data & Market leading provider of Fast ACH messaging capabilities Well suited for Proven deployments in multiple markets Accounts Payable flows Faster, near Extends Mastercard reach beyond cards real-time payments MA is a one-stop shop providing seamless, Card Rails + Vocalink omni-channel, multi-payment support ©2017 Mastercard. Our go-to-market approach with Fast ACH ACH operates at multiple levels How will we play? Infrastructure Underlying technology and rails Strategically deploy and license Bill Personal Retail B2B Payments Payments Payments Scheme & End user solutions built on Applications Franchise rules and standards Data Fraud Consulting Analytics Solutions Services Enhanced ACH capabilities ©2017 Mastercard. Mastercard is at the forefront of acceptance growth 1 More Devices Merchants More Acceptance Rails 2 Fast ACH Every Device Emerging Merchants Cards Technologies Beyond is an Acceptance Device Flows Acceptance …from Millions to Billions Person Merchant 3 Acceptance Business Government Beyond Merchants ©2017 Mastercard. Well positioned to capture more payment flows Differentiated All Electronic Payments Every Device an Value Propositions on All Rails Acceptance Device Cards ACH ©2017 Mastercard. 2017 Investment Community Meeting Addressing Digital Opportunities Garry Lyons Chief Innovation Officer The digital shift is the biggest change in payments since plastic cards …and it’s impacted by multiple trends Lines blurring between physical and digital Security and privacy top of mind Increasingly connected world 2016→2021 Consumer expectations 10% → 17% Advances in AI Digital commerce as Pace of change share of retail payments On-demand economy Focus on sustainability Public-private partnerships Urbanization and smarter cities ©2017 Mastercard. Source: McKinsey study, excludes travel, 2017 Our strategy – enable our customers and partners to be at the forefront of digital payments Delivering the best Securing Digitizing all Simplifying Identifying and digital experience every forms of personal access to, and experimenting with everywhere transaction and business integration of, future technologies, payments our digital assets start-ups & trends Mastercard Digital Mastercard Send Enablement Service, and and Biometrics and Machine Learning ©2017 Mastercard. Delivering the best digital experience everywhere Driving the best-in-market digital payment service with Masterpass Strong progress with customers in 2017 90+ million 38 140+ Enabled ‘Digital by Countries Issuers live Default’ accounts Expanding acceptance with key merchants and partners ©2017 Mastercard. Delivering the best digital experience everywhere Reaching new markets and expanding acceptance with Masterpass QR Ghana
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