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Investor Presentaiton

sea Money Digital Financial Services US$ Millions GAAP Revenue +92% YoY 279.0 236.0 197.5 326.9 4Q 2021 1Q 2022 2Q 2022 3Q 2022 Note: Financial figures are unaudited. 380.2 As of the end of 4Q 2022: S Total loans receivable was US$2.1 billion, net of allowance for credit losses of US$238.8 million. 4Q 2022 Ⓡ % Non-performing loans past due by more than 90 days as a percentage of our total gross loans receivable declined from less than 4% in 3Q 2022 to less than 2%. This was mainly due to the shortening of loan write-off period in a certain market from 180 days to 120 days in 4Q 2022 based on our assessment of historical credit losses. Without this change in write-off period, the ratio would be about 5%. Sea 4Q 2022 & FY 2022 Results | 8
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