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, 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 | Q4'18 | Q1'19 | Q2'19 | Q3'19 | Q4'19 | Q1'20 | Q2'20 | Q3'20 | Q4'20 | FY 2019 | FY 2020 | ||
APMEA | $468 | $459 | $480 | $491 | $519 | $472 | $407 | $483 | $530 | $1,949 | $1,892 | ||
Canada | 46 | 39 | 46 | 47 | 49 | 40 | 39 | 45 | 49 | 181 | 173 | ||
Europe | 458 | 429 | 478 | 508 | 532 | 467 | 396 | 518 | 533 | 1,947 | 1,915 | ||
Latin America | 111 | 105 | 110 | 113 | 123 | 107 | 73 | 88 | 108 | 451 | 376 | ||
Worldwide less United States | 1,083 | 1,031 | 1,114 | 1,159 | 1,223 | 1,086 | 916 | 1,135 | 1,220 | 4,527 | 4,356 | ||
United States | 465 | 450 | 486 | 493 | 507 | 478 | 463 | 513 | 527 | 1,937 | 1,981 | ||
Worldwide | 1,548 | 1,482 | 1,600 | 1,652 | 1,730 | 1,564 | 1,378 | 1,648 | 1,747 | 6,464 | 6,337 | ||
Mastercard Credit and Charge Programs | |||||||||||||
Worldwide less United States | 560 | 530 | 559 | 577 | 601 | 528 | 435 | 523 | 560 | 2,267 | 2,046 | ||
United States | 228 | 212 | 237 | 244 | 254 | 227 | 183 | 214 | 237 | 947 | 861 | ||
Worldwide | 788 | 742 | 796 | 821 | 855 | 755 | 618 | 737 | 796 | 3,214 | 2,906 | ||
Mastercard Debit and Prepaid Programs | |||||||||||||
Worldwide less United States | 523 | 501 | 554 | 582 | 622 | 558 | 481 | 612 | 660 | 2,260 | 2,310 | ||
United States | 238 | 238 | 249 | 249 | 254 | 251 | 280 | 299 | 291 | 990 | 1,121 | ||
Worldwide | 760 | 739 | 804 | 831 | 876 | 809 | 760 | 911 | 950 | 3,250 | 3,431 | ||
GDV Local Growth | |||||||||||||
All Mastercard Credit, | |||||||||||||
Charge, Debit and Prepaid Programs | Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 | FY 2019 | FY 2020 | ||||||||||
APMEA | 13.0% | 11.3% | 12.2% | 12.5% | 11.8% | 5.7% | -11.8% | -1.4% | -0.5% | 11.9% | -2.0% | ||
Canada | 11.6% | 5.8% | 7.7% | 8.8% | 5.1% | 4.1% | -12.6% | -3.0% | -0.7% | 6.9% | -3.2% | ||
Europe | 19.7% | 17.3% | 18.5% | 19.8% | 17.4% | 12.3% | -12.8% | 2.7% | 1.2% | 18.3% | 0.7% | ||
Latin America | 16.9% | 13.3% | 15.8% | 18.2% | 14.6% | 12.5% | -16.9% | -6.7% | 0.3% | 15.4% | -2.4% | ||
Worldwide less United States | 16.1% | 13.7% | 15.0% | 16.0% | 14.2% | 9.0% | -12.7% | -0.1% | 0.3% | 14.7% | -0.9% | ||
United States | 10.2% | 7.5% | 9.9% | 11.6% | 9.0% | 6.2% | -4.9% | 4.0% | 3.9% | 9.5% | 2.3% | ||
Worldwide | 14.2% | 11.7% | 13.4% | 14.6% | 12.6% | 8.1% | -10.2% | 1.1% | 1.4% | 13.1% | 0.1% | ||
Mastercard Credit and Charge Programs | |||||||||||||
Worldwide less United States | 12.8% | 9.0% | 9.6% | 11.0% | 9.2% | 3.8% | -17.5% | -7.5% | -6.8% | 9.7% | -7.1% | ||
United States | 9.8% | 9.3% | 12.3% | 14.6% | 11.4% | 7.0% | -22.8% | -12.4% | -6.8% | 12.0% | -9.2% | ||
Worldwide | 11.9% | 9.1% | 10.4% | 12.0% | 9.8% | 4.7% | -19.1% | -9.0% | -6.8% | 10.3% | -7.7% | ||
Mastercard Debit and Prepaid Programs | |||||||||||||
Worldwide less United States | 19.8% | 19.1% | 21.0% | 21.4% | 19.4% | 14.5% | -7.9% | 7.2% | 7.3% | 20.2% | 5.3% | ||
United States | 10.6% | 5.9% | 7.7% | 8.8% | 6.7% | 5.5% | 12.1% | 20.1% | 14.6% | 7.3% | 13.2% | ||
Worldwide | 16.8% | 14.5% | 16.5% | 17.3% | 15.4% | 11.5% | -1.4% | 11.1% | 9.4% | 16.0% | 7.7% |
Supplemental Operational Performance 2018Q4-2020Q4
Purchase Volume ($ Billions) | |||||||||||
All Mastercard Credit, | |||||||||||
Charge, Debit and Prepaid Programs | Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 | Q1'20 | Q2'20 | Q3'20 | Q4'20 | FY 2019 | FY 2020 | ||||
APMEA | $318 | $307 | $319 | $327 | $347 | $310 | $281 | $330 | $363 | $1,301 | $1,285 |
Canada | 45 | 37 | 44 | 45 | 47 | 39 | 36 | 44 | 47 | 173 | 166 |
Europe | 304 | 286 | 320 | 339 | 355 | 313 | 266 | 353 | 368 | 1,300 | 1,300 |
Latin America | 71 | 68 | 71 | 74 | 79 | 70 | 48 | 59 | 71 | 292 | 248 |
Worldwide less United States | 737 | 699 | 753 | 786 | 828 | 732 | 631 | 786 | 850 | 3,066 | 2,999 |
United States | 408 | 392 | 427 | 433 | 449 | 419 | 404 | 451 | 471 | 1,701 | 1,745 |
Worldwide | 1,145 | 1,091 | 1,180 | 1,219 | 1,277 | 1,151 | 1,035 | 1,236 | 1,321 | 4,767 | 4,743 |
Mastercard Credit and Charge Programs | |||||||||||
Worldwide less United States | 520 | 492 | 520 | 536 | 558 | 488 | 404 | 489 | 524 | 2,106 | 1,906 |
United States | 219 | 203 | 228 | 234 | 244 | 217 | 178 | 210 | 232 | 909 | 837 |
Worldwide | 739 | 695 | 748 | 770 | 801 | 705 | 582 | 700 | 756 | 3,014 | 2,743 |
Mastercard Debit and Prepaid Programs | |||||||||||
Worldwide less United States | 217 | 207 | 233 | 250 | 271 | 244 | 227 | 296 | 326 | 960 | 1,093 |
United States | 189 | 188 | 199 | 199 | 205 | 203 | 226 | 240 | 239 | 792 | 908 |
Worldwide | 406 | 395 | 432 | 449 | 476 | 446 | 453 | 537 | 565 | 1,752 | 2,001 |
Purchase Volume Local Growth | |||||||||||
All Mastercard Credit, | |||||||||||
Charge, Debit and Prepaid Programs | Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 | FY 2019 | FY 2020 | ||||||||
APMEA | 13.6% | 9.9% | 10.1% | 10.8% | 10.7% | 4.5% | -8.5% | -0.1% | 0.7% | 10.4% | -0.8% |
Canada | 11.5% | 5.7% | 7.7% | 9.3% | 5.5% | 4.2% | -15.5% | -1.9% | -0.6% | 7.1% | -3.6% |
Europe | 22.8% | 18.3% | 20.5% | 21.7% | 18.5% | 12.6% | -12.9% | 3.6% | 3.2% | 19.8% | 1.5% |
Latin America | 21.7% | 17.8% | 20.2% | 22.8% | 19.3% | 16.9% | -12.6% | -1.7% | 7.0% | 20.0% | 2.8% |
Worldwide less United States | 17.9% | 13.7% | 15.0% | 16.3% | 14.4% | 9.0% | -11.1% | 1.3% | 2.2% | 14.9% | 0.3% |
United States | 11.4% | 9.0% | 11.2% | 12.6% | 10.0% | 7.0% | -5.5% | 4.0% | 4.9% | 10.7% | 2.6% |
Worldwide | 15.5% | 12.0% | 13.6% | 15.0% | 12.8% | 8.3% | -9.0% | 2.3% | 3.1% | 13.4% | 1.1% |
Mastercard Credit and Charge Programs | |||||||||||
Worldwide less United States | 13.5% | 9.4% | 10.0% | 11.3% | 9.3% | 3.4% | -17.6% | -7.0% | -6.2% | 10.0% | -6.9% |
United States | 10.4% | 10.0% | 12.5% | 14.4% | 11.4% | 6.6% | -21.7% | -10.1% | -5.0% | 12.1% | -7.9% |
Worldwide | 12.5% | 9.5% | 10.8% | 12.2% | 9.9% | 4.4% | -18.9% | -7.9% | -5.8% | 10.6% | -7.2% |
Mastercard Debit and Prepaid Programs | |||||||||||
Worldwide less United States | 29.9% | 25.7% | 28.0% | 28.7% | 26.7% | 22.0% | 3.3% | 18.8% | 19.4% | 27.3% | 16.0% |
United States | 12.6% | 8.0% | 9.6% | 10.6% | 8.5% | 7.5% | 13.1% | 20.7% | 16.6% | 9.2% | 14.6% |
Worldwide | 21.3% | 16.6% | 18.8% | 20.0% | 18.1% | 15.0% | 8.0% | 19.6% | 18.2% | 18.4% | 15.4% |
January 28, 2021 | Page:2 |
Supplemental Operational Performance 2018Q4-2020Q4
Purchase Transactions (Millions) | ||||||||||||
All Mastercard Credit, | ||||||||||||
Charge, Debit and Prepaid Programs | Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 | FY 2019 | FY 2020 | |||||||||
APMEA | 5,798 | 5,592 | 6,177 | 6,562 | 6,917 | 6,319 | 5,901 | 6,810 | 7,364 | 25,248 | 26,395 | |
Canada | 698 | 611 | 710 | 748 | 753 | 653 | 572 | 721 | 728 | 2,821 | 2,674 | |
Europe | 8,410 | 8,306 | 9,581 | 10,230 | 10,789 | 10,225 | 9,045 | 11,703 | 11,725 | 38,906 | 42,699 | |
Latin America | 2,530 | 2,474 | 2,720 | 2,923 | 3,084 | 2,914 | 2,339 | 2,753 | 3,176 | 11,201 | 11,181 | |
Worldwide less United States | 17,436 | 16,982 | 19,189 | 20,463 | 21,542 | 20,111 | 17,857 | 21,988 | 22,993 | 78,176 | 82,949 | |
United States | 7,242 | 6,894 | 7,569 | 7,745 | 7,902 | 7,347 | 6,941 | 7,830 | 7,980 | 30,111 | 30,098 | |
Worldwide | 24,678 | 23,876 | 26,758 | 28,208 | 29,445 | 27,458 | 24,798 | 29,818 | 30,973 | 108,287 | 113,047 | |
Mastercard Credit and Charge Programs | ||||||||||||
Worldwide less United States | 9,012 | 8,617 | 9,565 | 10,142 | 10,536 | 9,692 | 8,426 | 10,037 | 10,609 | 38,860 | 38,763 | |
United States | 2,485 | 2,250 | 2,557 | 2,687 | 2,793 | 2,464 | 2,031 | 2,421 | 2,621 | 10,287 | 9,537 | |
Worldwide | 11,497 | 10,867 | 12,122 | 12,829 | 13,329 | 12,156 | 10,457 | 12,457 | 13,230 | 49,147 | 48,300 | |
Mastercard Debit and Prepaid Programs | ||||||||||||
Worldwide less United States | 8,424 | 8,365 | 9,624 | 10,321 | 11,006 | 10,419 | 9,432 | 11,951 | 12,384 | 39,316 | 44,186 | |
United States | 4,758 | 4,644 | 5,012 | 5,058 | 5,109 | 4,883 | 4,910 | 5,410 | 5,358 | 19,824 | 20,561 | |
Worldwide | 13,181 | 13,009 | 14,636 | 15,379 | 16,116 | 15,302 | 14,341 | 17,361 | 17,743 | 59,140 | 64,747 | |
Purchase Transactions Growth | ||||||||||||
All Mastercard Credit, | ||||||||||||
Charge, Debit and Prepaid Programs | Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 | FY 2019 | FY 2020 | |||||||||
APMEA | 21.9% | 18.8% | 19.7% | 21.2% | 19.3% | 13.0% | -4.5% | 3.8% | 6.5% | 19.8% | 4.5% | |
Canada | 16.6% | 10.2% | 11.8% | 14.9% | 7.8% | 7.0% | -19.5% | -3.6% | -3.3% | 11.1% | -5.2% | |
Europe | 30.2% | 28.6% | 30.7% | 31.5% | 28.3% | 23.1% | -5.6% | 14.4% | 8.7% | 29.8% | 9.7% | |
Latin America | 21.2% | 20.0% | 24.5% | 27.1% | 21.9% | 17.8% | -14.0% | -5.8% | 3.0% | 23.4% | -0.2% | |
Worldwide less United States | 25.4% | 23.2% | 25.4% | 26.8% | 23.6% | 18.4% | -6.9% | 7.5% | 6.7% | 24.7% | 6.1% | |
United States | 11.2% | 8.4% | 10.2% | 11.7% | 9.1% | 6.6% | -8.3% | 1.1% | 1.0% | 9.9% | 0.0% | |
Worldwide | 20.9% | 18.5% | 20.7% | 22.3% | 19.3% | 15.0% | -7.3% | 5.7% | 5.2% | 20.2% | 4.4% | |
Mastercard Credit and Charge Programs | ||||||||||||
Worldwide less United States | 18.0% | 15.8% | 18.2% | 20.4% | 16.9% | 12.5% | -11.9% | -1.0% | 0.7% | 17.9% | -0.3% | |
United States | 11.9% | 11.4% | 13.8% | 15.8% | 12.4% | 9.5% | -20.6% | -9.9% | -6.1% | 13.4% | -7.3% | |
Worldwide | 16.6% | 14.8% | 17.3% | 19.4% | 15.9% | 11.9% | -13.7% | -2.9% | -0.7% | 16.9% | -1.7% | |
Mastercard Debit and Prepaid Programs | ||||||||||||
Worldwide less United States | 34.5% | 31.9% | 33.3% | 33.8% | 30.7% | 24.6% | -2.0% | 15.8% | 12.5% | 32.4% | 12.4% | |
United States | 10.9% | 7.0% | 8.5% | 9.7% | 7.4% | 5.1% | -2.0% | 6.9% | 4.9% | 8.2% | 3.7% | |
Worldwide | 24.9% | 21.8% | 23.7% | 24.8% | 22.3% | 17.6% | -2.0% | 12.9% | 10.1% | 23.2% | 9.5% |
January 28, 2021 | Page:3 |
Supplemental Operational Performance 2018Q4-2020Q4
Cash Volume ($ Billions) | |||||||||||||
All Mastercard Credit, | |||||||||||||
Charge, Debit and Prepaid Programs | Q4'18 | Q1'19 | Q2'19 | Q3'19 | Q4'19 | Q1'20 | Q2'20 | Q3'20 | Q4'20 | FY 2019 | FY 2020 | ||
APMEA | $149 | $151 | $161 | $163 | $173 | $162 | $126 | $154 | $167 | $648 | $608 | ||
Canada | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 1 | 2 | 7 | 8 | ||
Europe | 154 | 142 | 159 | 169 | 177 | 154 | 131 | 165 | 165 | 647 | 614 | ||
Latin America | 40 | 37 | 39 | 39 | 43 | 37 | 25 | 30 | 36 | 159 | 128 | ||
Worldwide less United States | 346 | 332 | 361 | 373 | 395 | 354 | 284 | 349 | 369 | 1,461 | 1,357 | ||
United States | 57 | 59 | 59 | 60 | 59 | 59 | 59 | 62 | 57 | 237 | 237 | ||
Worldwide | 403 | 391 | 420 | 433 | 453 | 413 | 343 | 412 | 426 | 1,698 | 1,594 | ||
Mastercard Credit and Charge Programs | |||||||||||||
Worldwide less United States | 40 | 38 | 39 | 41 | 43 | 40 | 31 | 34 | 36 | 161 | 140 | ||
United States | 9 | 9 | 9 | 10 | 10 | 10 | 5 | 4 | 5 | 38 | 24 | ||
Worldwide | 49 | 47 | 48 | 51 | 53 | 50 | 35 | 37 | 41 | 200 | 164 | ||
Mastercard Debit and Prepaid Programs | |||||||||||||
Worldwide less United States | 305 | 294 | 322 | 332 | 351 | 314 | 254 | 316 | 334 | 1,300 | 1,217 | ||
United States | 49 | 50 | 50 | 50 | 49 | 49 | 54 | 59 | 52 | 198 | 213 | ||
Worldwide | 354 | 344 | 372 | 382 | 400 | 363 | 308 | 374 | 385 | 1,498 | 1,430 | ||
Cash Volume Local Growth | |||||||||||||
All Mastercard Credit, | |||||||||||||
Charge, Debit and Prepaid Programs | Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 | FY 2019 | FY 2020 | ||||||||||
APMEA | 11.8% | 14.2% | 16.6% | 15.9% | 14.1% | 8.1% | -18.5%-4.1%-2.9% | 15.2% | -4.4% | ||||
Canada | 13.8% | 8.7% | 7.4% | -2.8% | -3.8% | 0.5% | 58.6% | -30.7% | -3.1% | 2.1% | 5.7% | ||
Europe | 14.0% | 15.2% | 14.9% | 16.1% | 15.2% | 11.6% | -12.6% | 0.8% | -2.9% | 15.4% | -1.0% | ||
Latin America | 9.4% | 5.8% | 8.5% | 10.4% | 6.8% | 4.9% | -24.1%-15.4%-10.8% | 7.9% | -11.1% | ||||
Worldwide less United States | 12.5% | 13.6% | 14.9% | 15.3% | 13.6% | 9.2% | -16.0% | -3.1% | -3.8% | 14.3% | -3.6% | ||
United States | 2.1% | -1.9% | 1.7% | 4.8% | 2.0% | 0.2% | -0.8% | 3.7% | -3.4% | 1.6% | -0.1% | ||
Worldwide | 10.9% | 11.0% | 12.8% | 13.7% | 12.0% | 7.9% | -13.8% | -2.2% | -3.7% | 12.4% | -3.1% | ||
Mastercard Credit and Charge Programs | |||||||||||||
Worldwide less United States | 5.0% | 4.3% | 4.2% | 7.1% | 7.9% | 8.9% | -16.5%-14.4%-15.2% | 5.9% | -9.6% | ||||
United States | -3.3% | -5.2% | 8.1% | 19.9% | 13.4% | 14.2% | -49.4%-65.0%-50.0% | 8.7% | -38.8% | ||||
Worldwide | 3.4% | 2.3% | 5.0% | 9.4% | 8.9% | 9.9% | -23.2% | -24.7% | -21.9% | 6.4% | -15.4% | ||
Mastercard Debit and Prepaid Programs | |||||||||||||
Worldwide less United States | 13.6% | 14.9% | 16.3% | 16.4% | 14.4% | 9.3% | -16.0%-1.7%-2.3% | 15.5% | -2.8% | ||||
United States | 3.1% | -1.3% | 0.6% | 2.2% | 0.0% | -2.3% | 8.2% | 17.6% | 6.2% | 0.4% | 7.5% | ||
Worldwide | 12.0% | 12.3% | 13.9% | 14.3% | 12.4% | 7.6% | -12.5% | 0.9% | -1.3% | 13.2% | -1.4% |
January 28, 2021 | Page:4 |
Supplemental Operational Performance 2018Q4-2020Q4
Cash Transactions (Millions) | |||||||||||
All Mastercard Credit, | |||||||||||
Charge, Debit and Prepaid Programs | Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 | FY 2019 | FY 2020 | ||||||||
APMEA | 1,654 | 1,627 | 1,691 | 1,739 | 1,819 | 1,729 | 1,318 | 1,579 | 1,661 | 6,876 | 6,287 |
Canada | 6 | 6 | 6 | 6 | 6 | 5 | 4 | 5 | 5 | 22 | 18 |
Europe | 1,099 | 1,044 | 1,173 | 1,195 | 1,225 | 1,059 | 845 | 1,061 | 999 | 4,636 | 3,965 |
Latin America | 297 | 275 | 295 | 302 | 320 | 288 | 219 | 245 | 280 | 1,192 | 1,032 |
Worldwide less United States | 3,056 | 2,952 | 3,164 | 3,241 | 3,369 | 3,082 | 2,385 | 2,890 | 2,945 | 12,726 | 11,302 |
United States | 328 | 321 | 336 | 339 | 322 | 306 | 284 | 321 | 295 | 1,318 | 1,206 |
Worldwide | 3,385 | 3,272 | 3,500 | 3,580 | 3,692 | 3,388 | 2,669 | 3,211 | 3,240 | 14,044 | 12,508 |
Mastercard Credit and Charge Programs | |||||||||||
Worldwide less United States | 187 | 173 | 185 | 189 | 197 | 179 | 131 | 158 | 156 | 744 | 625 |
United States | 9 | 8 | 9 | 9 | 9 | 9 | 4 | 6 | 6 | 36 | 25 |
Worldwide | 196 | 181 | 194 | 198 | 206 | 188 | 136 | 164 | 163 | 779 | 650 |
Mastercard Debit and Prepaid Programs | |||||||||||
Worldwide less United States | 2,869 | 2,778 | 2,979 | 3,053 | 3,172 | 2,902 | 2,254 | 2,732 | 2,789 | 11,983 | 10,677 |
United States | 319 | 313 | 327 | 329 | 313 | 298 | 279 | 315 | 289 | 1,282 | 1,181 |
Worldwide | 3,189 | 3,091 | 3,306 | 3,382 | 3,486 | 3,200 | 2,533 | 3,047 | 3,078 | 13,264 | 11,858 |
Cash Transactions Growth | |||||||||||
All Mastercard Credit, | |||||||||||
Charge, Debit and Prepaid Programs | Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 | FY 2019 | FY 2020 | ||||||||
APMEA | 12.7% | 12.1% | 12.1% | 13.7% | 10.0% | 6.3% | -22.1% | -9.2% | -8.7% | 11.9% | -8.6% |
Canada | 15.2% | -3.5% | -11.2% | -6.8% | -11.3% | -1.0% | -33.7% | -18.9% | -17.3% | -8.3% | -17.8% |
Europe | 9.7% | 11.3% | 11.3% | 12.0% | 11.5% | 1.5% | -28.0% | -11.2% | -18.4% | 11.5% | -14.5% |
Latin America | 6.6% | 4.3% | 8.5% | 10.6% | 7.5% | 4.6% | -25.9% | -18.7% | -12.3% | 7.8% | -13.4% |
Worldwide less United States | 11.0% | 11.0% | 11.4% | 12.7% | 10.2% | 4.4% | -24.6% | -10.8% | -12.6% | 11.3% | -11.2% |
United States | 0.8% | -2.1% | -1.3% | 0.4% | -1.8% | -4.6% | -15.5% | -5.3% | -8.4% | -1.2% | -8.5% |
Worldwide | 9.9% | 9.6% | 10.1% | 11.4% | 9.1% | 3.5% | -23.8% | -10.3% | -12.2% | 10.0% | -10.9% |
Mastercard Credit and Charge Programs | |||||||||||
Worldwide less United States | 2.2% | 2.2% | 2.6% | 3.7% | 5.2% | 3.4% | -29.0% | -16.0% | -20.5% | 3.4% | -15.9% |
United States | 0.4% | -1.4% | 4.7% | 7.2% | 4.8% | 5.2% | -50.5% | -40.3% | -33.5% | 3.9% | -30.8% |
Worldwide | 2.1% | 2.0% | 2.7% | 3.8% | 5.2% | 3.4% | -30.0% | -17.2% | -21.1% | 3.5% | -16.6% |
Mastercard Debit and Prepaid Programs | |||||||||||
Worldwide less United States | 11.6% | 11.6% | 12.0% | 13.4% | 10.6% | 4.5% | -24.4% | -10.5% | -12.1% | 11.9% | -10.9% |
United States | 0.8% | -2.1% | -1.4% | 0.2% | -2.0% | -4.8% | -14.5% | -4.2% | -7.7% | -1.3% | -7.9% |
Worldwide | 10.4% | 10.1% | 10.5% | 11.9% | 9.3% | 3.5% | -23.4% | -9.9% | -11.7% | 10.5% | -10.6% |
January 28, 2021 | Page:5 |
Supplemental Operational Performance 2018Q4-2020Q4
Cards (Millions) | |||||||||||||
All Mastercard Credit, | |||||||||||||
Charge, Debit and Prepaid Programs | Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 | Q2'20 | Q3'20 | Q4'20 | FY 2019 | FY 2020 | |||||||
APMEA | 791 | 812 | 822 | 831 | 831 | 849 | 860 | 873 | 884 | 831 | 884 | ||
Canada | 61 | 61 | 61 | 62 | 62 | 62 | 63 | 62 | 63 | 62 | 63 | ||
Europe | 528 | 540 | 558 | 579 | 595 | 607 | 613 | 631 | 651 | 595 | 651 | ||
Latin America | 183 | 188 | 195 | 200 | 210 | 216 | 217 | 223 | 234 | 210 | 234 | ||
Worldwide less United States | 1,563 | 1,601 | 1,637 | 1,673 | 1,698 | 1,734 | 1,754 | 1,788 | 1,832 | 1,698 | 1,832 | ||
United States | 437 | 448 | 457 | 467 | 475 | 478 | 477 | 484 | 502 | 475 | 502 | ||
Worldwide | 2,000 | 2,049 | 2,094 | 2,140 | 2,173 | 2,212 | 2,231 | 2,272 | 2,334 | 2,173 | 2,334 | ||
Mastercard Credit and Charge Programs | |||||||||||||
Worldwide less United States | 641 | 652 | 665 | 682 | 697 | 706 | 703 | 709 | 721 | 697 | 721 | ||
United States | 227 | 230 | 234 | 238 | 242 | 243 | 237 | 234 | 246 | 242 | 246 | ||
Worldwide | 868 | 882 | 899 | 920 | 939 | 949 | 939 | 943 | 966 | 939 | 966 | ||
Mastercard Debit and Prepaid Programs | |||||||||||||
Worldwide less United States | 922 | 949 | 971 | 991 | 1,001 | 1,028 | 1,051 | 1,080 | 1,112 | 1,001 | 1,112 | ||
United States | 210 | 218 | 223 | 229 | 233 | 235 | 240 | 250 | 257 | 233 | 257 | ||
Worldwide | 1,132 | 1,166 | 1,194 | 1,220 | 1,234 | 1,263 | 1,291 | 1,329 | 1,368 | 1,234 | 1,368 | ||
Cards Growth | |||||||||||||
All Mastercard Credit, | |||||||||||||
Charge, Debit and Prepaid Programs | Q4'18 Q1'19 Q2'19 Q3'19 Q4'19 Q1'20 Q2'20 Q3'20 Q4'20 | FY 2019 | FY 2020 | ||||||||||
APMEA | 13.8% | 14.0% | 12.6% | 9.9% | 5.0% | 4.6% | 4.7% | 5.0% | 6.4% | 5.0% | 6.4% | ||
Canada | 15.7% | 9.6% | 6.4% | 5.9% | 2.9% | 2.3% | 2.0% | -0.3% | 1.3% | 2.9% | 1.3% | ||
Europe | 11.2% | 11.2% | 11.7% | 13.2% | 12.6% | 12.4% | 9.9% | 9.0% | 9.4% | 12.6% | 9.4% | ||
Latin America | 3.8% | 11.8% | 13.7% | 13.9% | 14.9% | 14.6% | 11.3% | 11.1% | 11.5% | 14.9% | 11.5% | ||
Worldwide less United States | 11.8% | 12.6% | 12.2% | 11.4% | 8.6% | 8.3% | 7.1% | 6.9% | 7.9% | 8.6% | 7.9% | ||
United States | 6.5% | 7.9% | 9.1% | 8.8% | 8.7% | 6.7% | 4.4% | 3.7% | 5.8% | 8.7% | 5.8% | ||
Worldwide | 10.6% | 11.5% | 11.5% | 10.8% | 8.6% | 8.0% | 6.6% | 6.2% | 7.4% | 8.6% | 7.4% | ||
Mastercard Credit and Charge Programs | |||||||||||||
Worldwide less United States | 6.8% | 8.2% | 8.2% | 8.8% | 8.6% | 8.2% | 5.6% | 3.9% | 3.4% | 8.6% | 3.4% | ||
United States | 7.6% | 9.4% | 10.8% | 9.2% | 6.6% | 5.5% | 1.2% | -1.6% | 1.5% | 6.6% | 1.5% | ||
Worldwide | 7.0% | 8.5% | 8.9% | 8.9% | 8.1% | 7.5% | 4.5% | 2.5% | 2.9% | 8.1% | 2.9% | ||
Mastercard Debit and Prepaid Programs | |||||||||||||
Worldwide less United States | 15.5% | 15.9% | 15.0% | 13.2% | 8.6% | 8.4% | 8.2% | 8.9% | 11.0% | 8.6% | 11.0% | ||
United States | 5.3% | 6.2% | 7.2% | 8.3% | 10.9% | 8.1% | 7.8% | 9.3% | 10.4% | 10.9% | 10.4% | ||
Worldwide | 13.5% | 14.0% | 13.5% | 12.3% | 9.0% | 8.3% | 8.1% | 9.0% | 10.9% | 9.0% | 10.9% |
Note that the figures in the preceding tables may not sum due to rounding; growth represents change from the comparable year- ago period.
January 28, 2021 | Page:6 |
Supplemental Operational Performance 2018Q4-2020Q4
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.
Effective Q1'18, our operational metrics reflect the impact of the Venezuela deconsolidation. Prior to Q1'18 all metrics include Venezuela. We are providing additional information regarding our Switched Transactions and Card growth rates. The adjusted growth rates eliminate Venezuelan Switched Transactions and Card counts from prior periods. This information is being provided so that you can better understand the underlying growth rates of our operating metrics.
January 28, 2021 | Page:7 |
Supplemental Operational Performance 2018Q4-2020Q4
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. | |||
Period | (Mil.) | Growth | (1)(2) |
2020Q4 | 24,756 | 4% | |
2020Q3 | 23,807 | 5% | |
2020Q2 | 19,369 | -10% | |
2020Q1 | 22,132 | 13% | |
2019Q4 | 23,807 | 19% | |
2019Q3 | 22,891 | 19% | |
2019Q2 | 21,429 | 18% | |
2019Q1 | 19,205 | 17% | |
2018Q4 | 20,124 | 17% | |
FY 2020 | 90,064 | 3% | |
FY 2019 | 87,332 | 19% |
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 | Growth | |||
Period | (Local) | (2) | (USD) | (2) |
2020Q4 | -29% | -27% | ||
2020Q3 | -36% | -35% | ||
2020Q2 | -45% | -47% | ||
2020Q1 | -1% | -3% | ||
2019Q4 | 16% | 14% | ||
2019Q3 | 16% | 13% | ||
2019Q2 | 16% | 10% | ||
2019Q1 | 14% | 7% | ||
2018Q4 | 16% | 12% | ||
FY 2020 | -29% | -29% | ||
FY 2019 | 16% | 11% |
Note:
(1) Growth rates eliminate Venezuela transactions from current and past periods
(2) The cross-border volume and switched transactions growth rates have been normalized to eliminate the effects of differing switching and carryover days between periods. Carryover days are those where transactions and volumes from days where the company does not clear and settle are processed.
January 28, 2021 | Page:8 |
Supplemental Operational Performance 2018Q4-2020Q4
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 | |||||||||
Growth | Growth | Growth | |||||||||
Cards | Actual | Adj for | Cards | Actual | Adj for | Cards | Actual | Adj for | |||
Period | (Mil.) | Growth | Ven | Period | (Mil.) | Growth | Ven | Period | (Mil.) | Growth | Ven |
2020Q4 | 2,334 | 7.4% | 7% | 2020Q4 | 416 | -2.7% | -3% | 2020Q4 | 2,750 | 5.8% | 6% |
2020Q3 | 2,272 | 6.2% | 6% | 2020Q3 | 418 | -3.8% | -4% | 2020Q3 | 2,690 | 4.5% | 5% |
2020Q2 | 2,231 | 6.6% | 7% | 2020Q2 | 418 | -4.7% | -5% | 2020Q2 | 2,648 | 4.6% | 5% |
2020Q1 | 2,212 | 8.0% | 8% | 2020Q1 | 423 | -6.3% | -6% | 2020Q1 | 2,635 | 5.4% | 5% |
2019Q4 | 2,173 | 8.6% | 9% | 2019Q4 | 428 | -10.6% | -11% | 2019Q4 | 2,600 | 4.9% | 5% |
2019Q3 | 2,140 | 10.8% | 11% | 2019Q3 | 434 | -14.7% | -15% | 2019Q3 | 2,573 | 5.5% | 5% |
2019Q2 | 2,094 | 11.5% | 11% | 2019Q2 | 438 | -15.7% | -16% | 2019Q2 | 2,532 | 5.6% | 6% |
2019Q1 | 2,049 | 11.5% | 12% | 2019Q1 | 452 | -14.5% | -14% | 2019Q1 | 2,500 | 5.7% | 6% |
2018Q4 | 2,000 | 10.6% | 11% | 2018Q4 | 478 | -19.7% | -14% | 2018Q4 | 2,478 | 3.1% | 5% |
January 28, 2021 | Page:9 |
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MasterCard Inc. published this content on 28 January 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 28 January 2021 13:03:09 UTC.