Worldline - 2019 Universal Registration Document

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THE PAYMENT INDUSTRY Key Market Trends and Drivers of Change

NUMBER OF WORLDWIDE NON-CASH TRANSACTIONS (IN BILLIONS) , BY REGION, 2017-2022F (SOURCE: 2019 WORLD PAYMENT REPORT, CAPGEMINI)

1,200

1,045.5

1,000

139.3

895.5

57.7

54.3 111.2

779.2

800

684.1

51.1 90.2

604.7

352.8

48.4 74.4

538.6

269.5

600

144.2 61.3 123.7 45.5 61.9

208.7

133.8 55.6 96.2 43.1 49.3

161.1

90.2

81.7

74.2

400

67.6

203.6

185.9

170.4

156.3

200

201.8

192.8

184.5

160.6

168.2

176.3

0

Non-cash transactions (billions)

2017

2018F

2019F

2020F

2021F

2022F

CAGR (2017-22F)

Growth (2017-18F)

} }

17.9% 5.5% 28.6% 10.2%

21.6% 6.0% 29.7% 10.2%

MEA Latin America Emerging Asia Mature Asia-Pacific Europe (including Eurozone) North America Global

Developing

23.5%

Mature 7.10%

6.3% 4.7%

8.5% 4.7%

14.0% 11.2%

Note: MEA (Middle East, Africa) now includes Turkey, South Africa, Saudi Arabia, Africa and Middle East, Russia, Other CE countries and Other MEA Countries. Other CE Countries includes Bulgaria, and Croatia. Other MEA countries includes Algeria, Kenya, Nigeria, Egypt, Israel, UAE, Morocco; Latin America now includes Argentina, Colombia, Venezuela, Chile, Peru, Uruguay, Costa Rica, Bolivia, and Paraguay in Other Latin America countries; Emerging Asia Includes China, India, HongKong, and other Asian countries including Malaysia, Thailand, Indonesia, Phillipines, Taiwan, Pakistan, Sri Lanka, and Bangladesh ; Mature APAC (Asia-Pacific) includes Japan, Australia, South Korea and Singapore; NA (North America) includes the US and the Canada; Chart numbers and quoted percentages may not add up due to rounding; Some number may differ from data published in WPR 2018 due to previous years' data changed at the source, re-categorization of some geographies, and addition of new countries. Source: Capgemini Financial Services Analysis, 2019; ECB Statistical Data Warehouse, 2017 figures released October 2018; Bank for international Settlements Red Book, 2017 figures released December 2018; Countries’ Central Bank Annual Reports, 2018.

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Universal Registration Document 2019