1H 2010 Outlook For Asia/Pacific_MasterCard Worldwide Index Of Consumer Confidence

MasterCard Worldwide Consumer Confidence Index: 6-Month Outlook for the Asia/Pacific Region MasterCard Worldwide December 2009

ASIA PACIFIC

ASIA PACIFIC REGION CHINA BEIJING, SHANGHAI, GUANGZHOU, WUHAN FACE TO FACE 800 HONG KONG SOUTH KOREA - JAPAN SEOUL, PUSAN ONLINE TOKYO, OSAKA ONLINE 400 ONLINE THAILAND 400 400 GREATER BANGKOK CATI TAIWAN 400 TAIPEI, KAOHSIUNG ONLINE INDIA 400 MUMBAI, NEW DELHI, BANGALORE, CHENNAI FACE TO FACE 800 VIETNAM HO CHI MINH, HANOI FACE TO FACE PHILIPPINES MALAYSIA 400 METRO MANILA KUALA LUMPUR, PJ CATI CATI 400 400 SINGAPORE COUNTRY - CITY ONLINE METHOD INDONESIA 400 SAMPLE SIZE JAKARTA NEW ZEALAND FACE TO FACE AUSTRALIA AUCKLAND, WELLINGTON 400 SYDNEY, MELBOURNE ONLINE ONLINE 400 400

MasterCard Worldwide Index of Consumer Confidence (MWICC) – Asia Pacific Asia Pacific Region, H2 2009 MWICC Index Score Countries Sub Indexes Australia Hong Kong Indonesia Malaysia Philippines South Korea Thailand China India Japan New Zealand Singapore Taiwan Vietnam [Unit: Index] Optimistic 100 H2 2009 H1 2009 H2 2009 Quality of 39.2 90 90.0 Life 61.7 85.3 80 79.4 Stock 41.1 Market 67.5 70 69.3 69.5 68.8 69.7 67.9 67.0 66.3 66.3 Regular 44.2 60 H2 60.0 59.8 Income 65.5 H1 56.0 2008 49.7 56.5 55.3 2009 50 H1 H2 H1 47.4 H2 AU CN HK IN INDO JP MY NZ PH SG SKOR TW TH VN 38.7 2007 2007 2008 2009 Economy 38.7 71.4 40 30.3 30 24.4 Employment 65.2 Note: Periods are based on when the survey was conducted. Therefore, if the survey was conducted in 20 Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. 10 The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. 0 Source: : MasterCard Worldwide Index of Consumer Confidence Pessimistic

MasterCard Worldwide Index of Consumer Confidence (MWICC) – Asia Pacific - Employment [Unit: Index/ %] Across all Asia Pacific countries Comparison with other factors (Asia Pacific) Optimistic Worse Same Better MWICC 100 Index Score 65.2 80 71.4 ASIA PACIFIC (n=6,622) 20% 42% 38% 65.2 65.5 67.5 61.7 AU (n=433) 17% 52% 31% 65.2 60 CN (n=812) 13% 33% 53% 79.8 40 Em ploym ent Econom y Regular Stock Market Quality of Life Incom e HK (n=432) 18% 46% 36% 67.4 20 IN (n=833) 19% 43% 38% 66.9 0 Pessimistic INDO (n=409) 17% 53% 31% 64.4 JP (n=442) 38% 50% 12% 23.6 Employment Situation Index MY (n=401) 18% 45% 37% 67.0 Comparison across waves (Asia Pacific) NZ (n=408) 14% Optimistic 48% 38% 72.6 100 PH (n=400) 43% 25% 33% 43.4 80 63.8 63.8 65.2 SG (n=400) 8% 44% 48% 86.5 60 54.2 S.KOR (n=419) 18% 65% 17% 48.6 40 H1 2007 H2 2007 H1 2008 H2 2008 H1 2009 H2 2009 TW (n=427) 24% 43% 32% 57.0 41.2 20 30.3 TH (n=406) 35% 21% 44% 56.1 VN (n=400) 6% 31% 63% 0 91.3 Pessimistic Do you expect the employment situation to be better, remain the same or worse over the next 6 months? Base: All respondents Note: Periods are based on when the survey was conducted. Therefore, if the survey was conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. Source: : MasterCard Worldwide Index of Consumer Confidence

MasterCard Worldwide Index of Consumer Confidence (MWICC) - Asia Pacific – Economic Performance [Unit: Index/ %] Across all Asia Pacific countries Comparison with other factors (Asia Pacific) Optimistic Worse Same Better MWICC 100 Index Score ASIA PACIFIC (n=6,622) 17% 39% 44% 71.4 80 71.4 67.5 65.2 65.5 61.7 AU (n=433) 13% 42% 46% 78.3 60 CN (n=812) 5% 30% 65% 92.5 40 Em ploym ent Econom y Regular Stock Market Quality of Life Incom e HK (n=432) 18% 43% 39% 68.3 20 IN (n=833) 19% 43% 38% 66.7 0 Pessimistic INDO (n=409) 14% 53% 33% 69.9 JP (n=442) 34% 48% 18% 34.2 Economic Performance Index MY (n=401) 18% 41% 41% 70.0 Comparison across waves (Asia Pacific) NZ (n=408) 11% 41% 48% 81.4 Optimistic 100 PH (n=400) 39% 27% 34% 46.4 80 68.3 71.4 SG (n=400) 7% 37% 57% 89.7 67.3 60 51.8 S.KOR (n=419) 17% 54% 29% 63.5 TW (n=427) 24% 40% 36% 60.5 40 H1 2007 H2 2007 H1 2008 H2 2008 H1 2009 H2 2009 42.1 38.7 TH (n=406) 30% 22% 49% 61.9 20 VN (n=400) 6% 29% 66% 92.3 0 Pessimistic Do you expect the economic performance to be better, remain the same or worse over the next 6 months? Base: All respondents Note: Periods are based on when the survey was conducted. Therefore, if the survey was conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. Source: : MasterCard Worldwide Index of Consumer Confidence

MasterCard Worldwide Index of Consumer Confidence (MWICC) – Asia Pacific - Regular Income [Unit: Index/ %] Across all Asia Pacific countries Comparison with other factors (Asia Pacific) Optimistic Worse Same Better MWICC 100 Index Score 71.4 ASIA PACIFIC (n=6,622) 16% 54% 30% 65.5 80 67.5 65.2 65.5 61.7 AU (n=433) 13% 60% 27% 68.0 60 CN (n=812) 7% 45% 48% 87.5 40 Em ploym ent Econom y Regular Stock Market Quality of Life Incom e HK (n=432) 15% 68% 17% 53.2 20 IN (n=833) 16% 46% 38% 70.5 0 Pessimistic INDO (n=409) 11% 55% 33% 74.3 JP (n=442) 46% 46% 7% 13.5 Regular Income Index Comparison MY (n=401) 15% 58% 27% 63.5 across waves (Asia Pacific) NZ (n=408) 12% 63% 25% 66.7 Optimistic 100 PH (n=400) 15% 51% 34% 69.9 80.6 81.0 80 72.2 SG (n=400) 13% 59% 28% 64.3 65.5 67.5 60 S.KOR (n=419) 10% 67% 23% 70.5 40 H1 2007 H2 2007 H1 2008 H2 2008 H1 2009 H2 2009 TW (n=427) 25% 53% 22% 47.2 44.2 20 TH (n=406) 26% 47% 27% 51.2 VN (n=400) 4% 54% 43% 0 91.9 Pessimistic Do you expect your regular income to increase, remain the same or decrease over the next 6 months? Base: All respondents Note: Periods are based on when the survey was conducted. Therefore, if the survey was conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. Source: : MasterCard Worldwide Index of Consumer Confidence

MasterCard Worldwide Index of Consumer Confidence (MWICC) – Local Stock Market [Unit: Index/ %] Across all Asia Pacific countries Comparison with other factors (Asia Pacific) Optimistic Worse Same Better MWICC 100 Index Score ASIA PACIFIC (n=6,622) 20% 40% 41% 67.5 80 71.4 67.5 65.2 65.5 61.7 AU (n=433) 13% 36% 51% 79.9 60 CN (n=812) 14% 48% 39% 74.2 40 Em ploym ent Econom y Regular Stock Market Quality of Life Incom e HK (n=432) 21% 43% 36% 63.2 20 IN (n=833) 17% 42% 41% 70.0 0 Pessimistic INDO (n=409) 21% 42% 38% 64.4 JP (n=442) 36% 43% 21% 36.6 Local Stock Market Index Comparison MY (n=401) 18% 47% 34% 64.9 across waves (Asia Pacific) Optimistic NZ (n=408) 13% 43% 43% 76.6 100 PH (n=400) 34% 36% 30% 47.3 80 67.5 65.1 66.5 SG (n=400) 13% 32% 55% 80.6 60 53.4 S.KOR (n=419) 21% 41% 38% 64.0 40 H1 2007 H2 2007 H1 2008 H2 2008 45.5 H1 2009 H2 2009 TW (n=427) 17% 34% 49% 74.7 41.1 20 TH (n=406) 32% 21% 47% 59.8 VN (n=400) 11% 40% 49% 0 82.1 Pessimistic Do you think the local stock market index will go up, remain the same or go down over the next 6 months? Base: All respondents Note: Periods are based on when the survey was conducted. Therefore, if the survey was conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. Source: : MasterCard Worldwide Index of Consumer Confidence

MasterCard Worldwide Index of Consumer Confidence (MWICC) – General Quality of Life [Unit: Index/ %] Across all Asia Pacific countries Comparison with other factors (Asia Pacific) Optimistic Worse Same Better MWICC 100 Index Score ASIA PACIFIC (n=6,622) 20% 48% 32% 61.7 80 71.4 67.5 65.2 65.5 61.7 AU (n=433) 17% 61% 22% 56.2 60 CN (n=812) 5% 40% 56% 92.4 40 Em ploym ent Econom y Regular Stock Market Quality of Life Incom e HK (n=432) 22% 59% 20% 48.0 20 IN (n=833) 15% 50% 35% 69.8 0 Pessimistic INDO (n=409) 19% 50% 31% 61.7 JP (n=442) 42% 51% 7% 14.3 General Quality of Life Index MY (n=401) 17% 49% 33% 66.0 Comparison across waves (Asia Pacific) Optimistic NZ (n=408) 21% 57% 22% 51.1 100 PH (n=400) 38% 35% 27% 41.8 80 66.7 62.5 61.7 SG (n=400) 12% 57% 31% 72.7 60 S.KOR (n=419) 18% 62% 20% 52.2 40 H1 2007 H2 2007 H1 2008 48.2 H2 2008 H1 2009 H2 2009 44.0 TW (n=427) 27% 52% 21% 39.2 43.1 20 TH (n=406) 38% 27% 35% 47.6 0 VN (n=400) 6% 27% 68% 92.5 Pessimistic Do you expect the general quality of life be better, remain the same or worse over the next 6 months? Base: All respondents Note: Periods are based on when the survey was conducted. Therefore, if the survey was conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. Source: : MasterCard Worldwide Index of Consumer Confidence

COUNTRIES

MasterCard Worldwide Index of Consumer Confidence (MWICC) - Australia Optimistic [Unit: Index] 100 Australia, H2 2009 MWICC Index Score MWICC Index Score – A/P 90 City Sub Indexes Gender/ Age Sub Indexes Sydney Male 80 Melbourne Female 69.3 77.6 < 30 years old 70 67.9 74.1 30 - 44 years old 69.5 69.4 69.6 70.7 > 45 years old 68.3 60 64.9 66.3 64.0 56.0 H1 60.6 H2 2009 H1 2009 47.4 2009 50 Quality of 14.3 H1 H2 42.8 49.0 Life 56.2 H2 40 2007 2007 2009 H2 H1 H2 2008 2008 38.7 2009 Stock 41.0 Market 79.9 30 24.1 Regular 37.1 20 Note: Periods are based on when the survey was conducted. Therefore, if the survey was Income 68.0 conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. 18.3 10 Economy 78.3 The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. 0 Employment 9.6 65.2 Pessimistic Source: : MasterCard Worldwide Index of Consumer Confidence 11

MasterCard Worldwide Index of Consumer Confidence (MWICC) - China [Unit:Index] Optimistic Index] China, H2 2009 100 MWICC Index Score MWICC Index Score – A/P 90 City Sub Indexes Gender/ Age Sub Indexes Beijing Male 80 84.0 85.5 82.7 85.3 85.9 86.7 86.1 85.0 85.6 86.0 84.6 86.1 Shanghai Female 82.8 < 30 years old Guangzhou 69.3 76.6 Wuhan 30 - 44 years old 70 67.9 66.3 > 45 years old 60 56.0 60.8 H2 2009 H1 2009 47.4 50 Quality of 75.6 Life 92.4 40 38.7 H1 H2 H1 H2 H1 H2 Stock 53.3 2007 2007 2008 2008 2009 2009 Market 74.2 H2 30 2009 Regular 56.3 Income 87.5 20 Note: Periods are based on when the survey was conducted. Therefore, if the survey was conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. 66.0 Economy 10 92.5 The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. 53.1 0 Employment Source: : MasterCard Worldwide Index of Consumer Confidence 79.8 Pessimistic 12

MasterCard Worldwide Index of Consumer Confidence (MWICC) - Hongkong [Unit: Index] Optimistic Hongkong, H2 2009 100 MWICC Index Score MWICC Index Score – A/P 90 Gender/ Age Sub Indexes Male 80 84.7 85.9 83.1 Female < 30 years old 69.3 70 67.9 66.3 30 - 44 years old 71.9 > 45 years old 60 H1 56.0 63.5 2009 60.0 61.5 47.4 56.9 50.3 H2 2009 H1 2009 50 H1 H2 H1 H2 Quality of 2007 2007 2008 41.8 2009 20.0 Life 48.0 H2 40 H2 2009 2008 38.7 Stock 37.7 Market 63.2 30 24.7 Regular 26.5 20 Note: Periods are based on when the survey was conducted. Therefore, if the survey was Income 53.2 conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. 23.2 10 Economy 68.3 The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. 0 Employment 16.2 Pessimistic Source: : MasterCard Worldwide Index of Consumer Confidence 67.4 13

MasterCard Worldwide Index of Consumer Confidence (MWICC) - Indonesia [Unit: Index] Optimistic Indonesia, H2 2009 100 MWICC Index Score MWICC Index Score – A/P Gender/ Age Sub Indexes 90 Male Female 80 < 30 years old 30 - 44 years old 69.3 70 67.9 66.3 ≥ 45 years old 67.0 68.7 66.9 67.3 65.0 66.6 H2 2009 H1 2009 60 56.0 53.5 57.8 49.2 Quality of 44.9 47.4 Life 61.7 50 Stock 35.3 40 36.7 38.5 Market 64.4 H1 H2 H1 H2 38.7 H2 2007 2007 2008 H1 2009 H2 Regular 77.6 30 2008 2009 2009 Income 74.3 20 Note: Periods are based on when the survey was conducted. Therefore, if the survey was Economy 47.9 69.9 conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. 10 40.4 The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic Employment 64.4 and 50 as neutral. 0 Source: : MasterCard Worldwide Index of Consumer Confidence Pessimistic 14

MasterCard Worldwide Index of Consumer Confidence (MWICC) - Malaysia [Unit: Index] Optimistic Malaysia, H2 2009 100 MWICC Index Score MWICC Index Score – A/P 90 Gender/ Age Sub Indexes Male 80 Female < 30 years old 69.3 H1 30 - 44 years old 70 67.9 72.5 66.3 74.2 71.0 2008 H2 ≥ 45 years old 2008 66.3 66.4 60 H1 65.9 65.4 56.0 2009 59.5 H2 2009 H1 2009 47.4 50 H1 H2 H2 Quality of 36.1 2007 2007 2009 H2 Life 66.0 40 36.9 35.9 2009 38.7 Stock 32.3 27.8 Market 64.9 30 Regular 25.5 20 Note: Periods are based on when the survey was conducted. Therefore, if the survey was Income 63.5 conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. 22.6 10 Economy 70.0 The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. 0 Employment 22.6 Pessimistic Source: : MasterCard Worldwide Index of Consumer Confidence 67.0 15

MasterCard Worldwide Index of Consumer Confidence (MWICC) - Singapore [Unit: Index] Optimistic Singapore, H2 2009 100 MWICC Index Score MWICC Index Score – A/P 90 Gender/ Age Sub Indexes Male 87.3 86.6 80 83.3 83.6 Female 79.4 80.6 < 30 years old 69.3 78.4 77.2 30 - 44 years old 70 67.9 66.3 74.4 ≥ 45 years old 60 H1 56.0 62.3 2009 H2 2009 H1 2009 47.4 50 H1 H2 H1 H2 H2 Quality of 43.9 2007 2007 2008 2008 2009 H2 Life 72.7 38.7 40 2009 31.2 Stock 25.0 Market 80.6 30 Regular 33.3 20 Note: Periods are based on when the survey was conducted. Therefore, if the survey was Income 67.5 conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. 29.3 10 Economy 89.7 The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. 0 Employment 24.4 Pessimistic Source: : MasterCard Worldwide Index of Consumer Confidence 86.5 16

MasterCard Worldwide Index of Consumer Confidence (MWICC) - Vietnam [Unit: Index] Vietnam, H2 2009 Optimistic 100 MWICC Index Score MWICC Index Score – A/P City Sub Indexes Gender/ Age Sub Indexes 90 94.3 94.6 90.3 89.7 92.2 91.7 Ho Chi Minh Male 91.3 90.0 88.1 Hanoi Female 86.2 85.2 80 84.1 < 30 years old 30 - 44 years old 69.3 70 67.9 66.3 > 45 years old H2 2009 H1 2009 60 56.0 60.9 Quality of 70.2 47.4 Life 92.5 50 H1 H2 H1 H2 H1 H2 2007 2007 2008 2008 2009 2009 H2 Stock 44.3 40 2009 Market 82.1 38.7 Regular 72.9 30 Income 91.9 20 Note: Periods are based on when the survey was conducted. Therefore, if the survey was Economy 67.2 92.3 conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. 10 50.0 The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic Employment 91.3 and 50 as neutral. 0 Pessimistic Source: : MasterCard Worldwide Index of Consumer Confidence 17

MasterCard Worldwide Index of Consumer Confidence (MWICC) - Japan Optimistic [Unit: Index] 100 Japan, H2 2009 MWICC Index Score 90 MWICC Index Score – A/P City Sub Indexes Gender/ Age Sub Indexes Tokyo Male 80 Female Osaka 69.3 < 30 years old 70 67.9 66.3 30 - 44 years old H2 H1 H2 H1 2007 2008 2008 2009 > 45 years old 66.8 H2 H2 60 56.0 2009 2009 47.4 H2 2009 H1 2009 50 H1 2007 48.6 Quality of 13.5 Life 14.3 40 38.7 29.0 29.7 Stock 27.3 26.9 30 24.4 26.0 23.8 25.3 Market 36.6 21.5 20.3 19.5 20 17.2 Regular 21.9 Income 13.5 Note: Periods are based on when the survey was conducted. Therefore, if the survey was conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the 10 above would be highlighted as H2 2009. Economy 25.0 34.2 The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic 0 and 50 as neutral. 19.6 Pessimistic Employment Source: : MasterCard Worldwide Index of Consumer Confidence 23.6 18

MasterCard Worldwide Index of Consumer Confidence (MWICC) - India [Unit: Index] Optimistic India, H2 2009 100 MWICC Index Score MWICC Index Score – A/P 90 95.2 City Sub Indexes Gender/ Age Sub Indexes Mumbai Male 86.6 80 82.1 New Delhi Female 79.1 Bangalore < 30 years old 69.3 66.3 75.6 30 - 44 years old 70 67.9 Chennai > 45 years old 68.0 68.8 69.1 68.5 69.5 60 63.6 63.9 56.0 60.4 H2 2009 H1 2009 47.4 50 H1 H2 H1 H2 H1 H2 2007 2007 2008 2008 2009 2009 49.4 47.2 Quality of Life 74.5 69.8 40 H2 38.7 2009 Stock 68.3 Market 70.0 30 Regular 70.0 20 Note: Periods are based on when the survey was conducted. Therefore, if the survey was Income 70.5 conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. 67.2 10 Economy 66.7 The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. 0 Employment 60.0 Pessimistic Source: : MasterCard Worldwide Index of Consumer Confidence 66.9 19

MasterCard Worldwide Index of Consumer Confidence (MWICC) - Taiwan [Unit: Index] Taiwan, H2 2009 Optimistic MWICC Index Score 100 MWICC Index Score – A/P City Sub Indexes Gender/ Age Sub Indexes 90 Taipei Male Kaohsiung Female 80 < 30 years old 30 - 44 years old 69.3 70 67.9 66.3 > 45 years old 71.3 H1 H2 H2 H1 60 64.9 2007 2007 56.0 2008 2009 H2 2009 H1 2009 47.4 56.5 58.2 51.4 59.0 53.9 50.7 53.6 50 Quality of 34.0 H1 H2 Life 43.1 2008 39.4 2009 H2 40 35.6 2009 Stock 54.5 32.1 38.7 29.7 Market 74.7 30 Regular 22.2 Income 47.2 20 Note: Periods are based on when the survey was conducted. Therefore, if the survey was conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. 47.8 10 Economy 60.5 The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. 0 Employment 38.5 Pessimistic Source: : MasterCard Worldwide Index of Consumer Confidence 57.0 20

MasterCard Worldwide Index of Consumer Confidence (MWICC) - Thailand [Unit: Index] Optimistic Thailand, H2 2009 100 MWICC Index Score MWICC Index Score – A/P 90 Gender/ Age Sub Indexes Male 80 Female < 30 years old 69.3 70 67.9 66.3 30 - 44 years old > 45 years old H1 H2 H1 H2 H1 60 2007 2007 2008 2008 2009 60.5 55.3 59.6 51.1 56.6 50.4 H2 2009 H1 2009 50 56.0 H2 Quality of 24.3 44.2 2009 47.4 H2 Life 47.6 40 36.7 2009 38.7 Stock 18.0 Market 59.8 30 26.2 23.7 23.0 Regular 22.5 20 Note: Periods are based on when the survey was conducted. Therefore, if the survey was Income 51.2 conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. 26.3 10 Economy 61.9 The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. 0 Employment 23.8 Pessimistic Source: : MasterCard Worldwide Index of Consumer Confidence 56.1 21

MasterCard Worldwide Index of Consumer Confidence (MWICC) - Philippines [Unit: Index] Optimistic Philippines, H2 2009 100 MWICC Index Score MWICC Index Score – A/P 90 Gender/ Age Sub Indexes Male Female 80 < 30 years old 69.3 30 - 44 years old 70 67.9 66.3 ≥ 45 years old 67.7 H1 H2 H1 60 64.6 2008 2008 2009 49.7 51.9 51.8 49.8 H2 2009 H1 2009 56.0 47.4 50 Quality of 37.5 H1 H2 43.2 2007 2007 40.0 40.5 47.5 47.1 Life 41.8 H2 40 2009 H2 Stock 43.4 38.7 2009 Market 47.3 30 Regular 48.1 20 Income 69.9 Note: Periods are based on when the survey was conducted. Therefore, if the survey was conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the above would be highlighted as H2 2009. 37.3 10 Economy 46.4 The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. 0 Employment 36.2 Pessimistic Source: : MasterCard Worldwide Index of Consumer Confidence 43.4 22

MasterCard Worldwide Index of Consumer Confidence (MWICC) – New Zealand [Unit: Index] Optimistic New Zealand, H2 2009 100 MWICC Index Score MWICC Index Score – A/P 90 City Sub Indexes Gender/ Age Sub Indexes Auckland Male 80 Wellington Female 69.3 66.3 77.0 < 30 years old 70 67.9 72.4 69.7 71.9 30 - 44 years old 66.7 67.4 68.2 > 45 years old 60 H1 H2 H1 65.7 2008 2008 2009 57.1 56.3 56.0 47.4 H2 2009 H1 2009 50 H1 H2 H2 Quality of 15.9 2007 2007 2009 H2 Life 51.1 40 37.1 2009 33.7 38.7 Stock 25.0 Market 76.6 30 21.5 Regular 40.0 20 Income 66.7 Note: Periods are based on when the survey was conducted. Therefore, if the survey was conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the 19.7 10 above would be highlighted as H2 2009. Economy 81.4 The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. 0 Employment 6.8 Pessimistic Source: : MasterCard Worldwide Index of Consumer Confidence 72.6 23

MasterCard Worldwide Index of Consumer Confidence (MWICC) - Korea Optimistic [Unit: Index] 100 Korea, H2 2009 MWICC Index Score 90 MWICC Index Score – A/P City Sub Indexes Gender/ Age Sub Indexes Seoul Male 80 Pusan Female 69.3 < 30 years old 70 67.9 H1 H2 H1 66.3 30 - 44 years old 2008 2008 2009 > 45 years old 60 H1 64.1 63.1 56.0 61.7 2007 59.8 59.5 60.8 58.8 60.7 47.4 55.2 H2 2009 H1 2009 50 H2 H2 Quality of 13.8 48.5 2007 2009 H2 Life 52.2 40 2009 31.4 38.7 Stock 56.9 27.7 28.8 Market 64.0 30 Regular 21.1 20 Income 70.5 Note: Periods are based on when the survey was conducted. Therefore, if the survey was conducted in Oct/Nov ‘09, projecting consumer confidence for the six months ahead, the 29.5 10 above would be highlighted as H2 2009. Economy 63.5 The Index score is calculated with zero as the most pessimistic, 100 as the most optimistic and 50 as neutral. 0 Employment 22.6 Pessimistic Source: : MasterCard Worldwide Index of Consumer Confidence 48.6 24

1H 2010 Outlook For Asia/Pacific_MasterCard Worldwide Index Of Consumer Confidence

by MasterCard Worldwide on Dec 15, 2009

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1H 2010 Outlook For Asia/Pacific_MasterCard Worldwide Index Of Consumer Confidence — Presentation Transcript

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