Mastercard Incorporated Second Quarter 2023 Financial Results Conference Call Business Update Key Trends Business Highlights Financial Overview dracretsaM 3202© July 27, 2023 2 Michael Miebach: 2nd Quarter Selected Financial Performance ($in millions, except per share data) 2Q 23 2Q 22 YOY Growth Non-GAAP Non-GAAP As adjusted Currency-neutral Adjusted net revenue$ 6,269 $ 5,491 14% 15% Adjusted operating expenses 2,592 2,313 12% 13% Adjusted operating income 3,677 3,178 16% 16% Adjusted operating margin 5 ...