In Europe, excluding intra-Europe, inbound and outbound travel remains robust, with the index to 2019 in the low 140s for outbound improving 10 points from the second quarter and in the low 150s for inbound.

Jul 25, 2023 / CFO / receipt, needs a key / Basant Prabhu, CFO | earnings call 2023-07-25 | transcript 8f3a781a-9f41-4ae1-ab8e-947cfa2055ab | chars 19292-19499 | segment 19

Travel into Latin America and the Caribbean also remained very strong, indexing in the low 160s to 2019 levels.

Jul 25, 2023 / CFO / receipt, needs a key / Basant Prabhu, CFO | earnings call 2023-07-25 | transcript 8f3a781a-9f41-4ae1-ab8e-947cfa2055ab | chars 19500-19611 | segment 20

Travel out of Samia indexed in the 140s versus four years ago, and inbound improved more than 10 points to the low 160s.

Jul 25, 2023 / CFO / receipt, needs a key / Basant Prabhu, CFO | earnings call 2023-07-25 | transcript 8f3a781a-9f41-4ae1-ab8e-947cfa2055ab | chars 19612-19732 | segment 20

The cross-border travel recovery continues, However, as expected, the pace of recovery has moderated as most borders are now open, including Japan in October and now China in January.

Jan 26, 2023 / CFO / receipt, needs a key / Basant Prabhu, CFO | earnings call 2023-01-26 | transcript 1f19fd46-98f3-4b94-b6e2-623e2b2845d3 | chars 19053-19236 | segment 19

Credit growth improved 8 points, up 14 points from 2019. The credit improvement was fueled by two interrelated factors, a significant acceleration in travel, entertainment, and restaurant spending, as well as a resurgence of affluent cardholder spendings.

Jul 27, 2021 / CFO / receipt, needs a key / Basant Prabhu, CFO | earnings call 2021-07-27 | transcript efd90331-48e2-4bb0-b25d-0a9c1ba1bd19 | chars 18337-18592 | segment 19

The cross-border volume recovery continued as more countries opened their borders. Constant dollar cross-border volume, excluding transactions within Europe, was at 82% of 2019 volumes, a seven-point improvement from Q2, led by a steady increase in travel, as well as a spike in cross-border cryptocurrency purchases from mid-April through the end of May.

Jul 27, 2021 / CFO / receipt, needs a key / Basant Prabhu, CFO | earnings call 2021-07-27 | transcript efd90331-48e2-4bb0-b25d-0a9c1ba1bd19 | chars 20996-21351 | segment 22

Cross-border travel-related spend, excluding intra-Europe, was at 45% of 2019 levels, expanding six points from the second quarter, rising from 40% of 2019 in April to 50% in June.

Jul 27, 2021 / CFO / receipt, needs a key / Basant Prabhu, CFO | earnings call 2021-07-27 | transcript efd90331-48e2-4bb0-b25d-0a9c1ba1bd19 | chars 21882-22062 | segment 23