Investor Presentaiton

Quality Business with Prudent Operating Assumptions Mortality and Morbidity Claims Experience Variances ($m) Cumulative EV Operating Variances ($m) 233 212 200 193 164 149 152 124 116 1,425 1,129 735 487 379 255 144 2,028 2,662 2011 2012 2013 2014 2015 2016 2017 2018 2019 2011 2012 2013 2014 2015 2016 2017 (1) 2018 2019 Note: (1) 2017 figure covers a 13-month period from 1 December 2016 to 31 December 2017 AIA 16

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