Fiscal Second Quarter 2022 Financial Results

Fiscal Second Quarter 2022 Results YOY Increase/ (Decrease) GAAP Nominal-Dollar Basis Non-GAAP Nominal-Dollar Basis(1) Foreign Currency Impact Acquisition Impact Adjusted Constant-Dollar Basis(¹) VISA Net Revenues 25% Fiscal Second Quarter 2022 Financial Results N/A ~1% (-0.5%) 26% Client Incentives as a % of Gross Revenues 25.8% N/A 0% 25.8% Operating Expenses 11% 16% -3% (-1.5%) 17% Effective Income Tax Rate 19.7% 19.6% 0% 19.6% Diluted Class A Common Stock Earnings Per Share 23% 30% -0% ~0% (1) Refer to Non-GAAP and Adjusted Constant-Dollar Results Footnote and GAAP to Non-GAAP Operating Expenses Results for further information. 30% Ⓒ2022 Visa. All rights reserved. 1

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