Visa Investor Presentation — October 2022

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©2022 Visa. All rights reserved. Fiscal Fourth Quarter 2022

Fiscal Fourth Quarter 2022 Financial Results ©2022 Visa. All rights reserved. 1

YoY Increase / (Decrease)Net

RevenuesClient Incentives

Gross RevenuesOperating

ExpensesEffective Income

Tax RateDiluted Class A

GAAP Nominal-Dollar Basis 18.7% 26.9% 20.3% 19.1% 13.0%

Non-GAAP Nominal-Dollar Basis(2)N/A N/A 18.4% 19.1% 19.4%

Foreign Currency Impact ~4.0% ~4.5% ~4.0%

Acquisition Impact (~0.5%) 0.1% (~3.0%) (0.1%) ~1.0%

Adjusted Constant-Dollar Basis(2)22.2% 27.0% 19.9% 19.0% 24.3%

Adjusted Constant-Dollar Basis

excluding Russia-Related

Results(2)26.8% 26.8% 22.7% 19.1% 29.9%Fiscal Fourth Quarter 2022 Results(1)

(1) As previously disclosed, in March 2022, we suspended our operations in Russia and therefore our results from April 2022 through September 2022 do not

include Russia-related results.

(2) Refer to the Non-GAAP and Adjusted Constant-Dollar Results Footnote for further information.Fiscal Fourth Quarter 2022 Financial Results ©2022 Visa. All rights reserved. 2

Income Statement Summary

In billions, except percentages and per share data. % change is calculated over the comparable prior-year period.Q4 2022

Net Revenues $7.8 19%

GAAP Net Income $3.9 10%

GAAP Earnings Per Share $1.86 13%

Non-GAAP Net Income(1)$4.1 16%

Non-GAAP Earnings Per Share(1)$1.93 19%

(1) Refer to the Non-GAAP and Adjusted Constant-Dollar Results Footnote for further details.

Key Business Drivers

YoY increase / (decrease), volume in constant dollars Q4 2022

Cross-Border Volume Excluding Intra-Europe(2)49%