Maintaining a Strong, Resilient Balance Sheet

Prudent Operating Assumptions Added $3.6b to EV Since IPO Mortality and Morbidity Claims Experience Variances ($m) Cumulative EV Operating Variances ($m) 384 233 212 221 200 193 164 149 152 116 124 2,028 1,425 1,129 735 487 379 255 144 AIA 3,648 3,211 2,662 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2011 2012 2013 2014 2015 2016 2017(1) 2018 2019 2020 2021 Note: (1) 2017 figure covers a 13-month period from 1 December 2016 to 31 December 2017 18

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