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1、Scott Thompson September 17, 20092This presentation may make forward-looking statements relating to our future performance that are based on our current expectations, forecasts and assumptions and involve risks and uncertainties. These statements include, but are not limited to, statements regarding
2、 expected financial results for the third quarter of 2009, and anticipated future stability and growth in the Marketplaces business unit.Our actual results may differ materially from those discussed in this call for a variety of reasons, including, but not limited to, the impact of recent global eco
3、nomic events and the global economic downturn; foreign-exchange-rate fluctuations; changes in political, business, and economic conditions; the impact and integration of recent and future acquisitions; the impact of divestitures; our increasing need to grow revenues from existing users in establishe
4、d markets; an increasingly competitive environment for our businesses; the complexity of managing an increasingly large enterprise, with a broad range of businesses, our need to manage regulatory, tax, IP and litigation risks (including risks specific to PayPal, Bill Me Later and the financial indus
5、try, and risks specific to Skypes technology and to the VoIP industry); and our need to upgrade our technology and customer service infrastructure at reasonable cost while adding new features and maintaining site stability.You can find more information about factors that could affect our operating r
6、esults in our most recent annual report on our Form 10-K and our subsequent quarterly reports on Form 10-Q (available at http:/). You should not unduly rely on any forward-looking statements, and we assume no obligation to update them. All information in the presentation is as of July 22, 2009, and
7、we do not intend, and undertake no duty, to update this presentation.3The Global Internet Payment NetworkThe Global Internet Payment Network4An evolving industry1Powering global eCommerce2Unmatched advantages3Significant opportunity ahead56Review & CompleteHelgaTraditional payments not designed for
8、the web7HelgaTraditional payments not designed for the web Fraudsters ID theft8Traditional payment networks are limited9Worldwide accessibility 190 global markets 17 local language sites 19 currencies10Unmatched advantages & network effectsGlobal connectionsInternet technologyClosed-loop dataFraud e
9、xpertisePayPal network effects11Growth in active accountsQ208Q209$48 Billion$60 BillionTPV growing 2-3X faster than competitors49.4 Million57.3 Million70.4 Million+16%+23%20062007200836 llion$48 Billion$60 Billion49.4 Million57.3 Million70.4 Million+16%+23%62.6 Million75.4 Million+20%12200620072008$
10、36 Billion$48 Billion$60 BillionStrong TPV growth with tremendous opportunityTPV Growing 2-3XFaster than Competitors $100- 120 BILLION2011$16.7b in Q20913How well get thereGlobal eBayGlobal eBayGlobal Merchant ServicesGlobal Merchant ServicesAdjacent paymentsAdjacent payments14Global eBayGlobal eBay
11、15Penetration growing on eBayConsumer PreferenceeBay Seller Coverage20082011SHARE58%73-78%64.4% Q209 global penetration16$24B$29B41%79%North AmericaInternationalSignificant opportunity in international markets2008 eBay aGMV & PayPal penetration*Includes shipping and handling17Global Merchant Service
12、sGlobal Merchant Services18Gaining share in Global Merchant ServicesConsumer PreferenceMerchant Coverage5%20082011SHARE8-9%19Success across merchant segmentseCommerce volumeLarge merchants Small/ medium businessesSole proprietorsTotalPayPal TPV 2006-08 CAGR130%71%33%77% 17%6% 54%20PP # of top 50 onl
13、ine merchants21+W EuropeServing the worlds largest online brands13+25+AsiaUS21$293 Billion$460- 480 BillionInternational20082011 2%5-6%Opportunity in NA and International markets20082011$237 Billion$305- 315 BillionNorth America9%13-14%Share22Bill Me Later complements PayPal Helps PayPal drive cover
14、age & preference Helps merchants drive sales23Sales lift through promotional offersSales lift for merchants24Fast, convenient, secure credit for consumers25Credit cardStructural advantage in risk management$26BML risk managementRisk-Adjusted Margin*Avg. Customer FICO ScoreNet Charge-Offs as % of Rec
15、eivables*Gross receivables balance as of 6/30/09 *We define Risk-Adjusted Margin as the annualized ratio of total revenues less cost of funds less net credit and fraud losses relative to average annualized loan receivables for the 3-month period Note: Risk-adjusted margin for Q408 as shown in the Ea
16、rnings Release captures data from the acquisition date (Nov. 7, 2008) to quarter-end, and as such is 1.5pts higher than the full quarters risk-adjusted margin Risk-adjusted margin at 10.3% Reduced consumer demand and higher credit standards drove decline in average receivables Margin % and margin trend remain favorable to credit card industry results Continued trend of high-quality cus
