Investor Presentaiton

Geographical Market Performance Hong Kong ($m) VONB VONB Margin ANP TWPI OPAT AIA 2019 2018 CER AER Singapore ($m) 2019 2018 CER AER 1,621 1,712 (5)% (5)% VONB 352 357 (1)% 66.1% 62.0% +4.1pps +4.1pps VONB Margin 65.5% 65.4% +0.1pps +0.1pps 2,393 2,697 (11)% (11)% ANP 538 547 (2)% 13,107 11,444 +15% +15% TWPI 2,916 2,738 +8% +7% 1,931 1,814 +6% +6% OPAT 583 558 +6% +4% Mainland China ($m) 2019 2018 CER AER Malaysia ($m) 2019 2018 CER AER VONB 1,167 965 +27% +21% VONB 258 247 +7% +4% VONB Margin 93.5% 90.5% +3.1pps +3.0pps VONB Margin 63.1% 63.8% (0.7)pps (0.7)pps ANP 1,248 1,067 +22% +17% ANP 406 382 +9% +6% TWPI 4,804 4,006 +25% +20% TWPI 2,142 2,083 +6% +3% OPAT 1,061 870 +28% +22% OPAT 333 320 +6% +4% Thailand ($m) 2019 2018 CER AER Other Markets ($m) 2019 2018 CER AER VONB 494 447 VONB Margin 67.7% 73.1% ANP 729 611 +6% (5.5)pps +14% +11% (5.4)pps VONB 535 435 +27% +23% VONB Margin 41.9% 35.8% +6.1pps +6.1pps +19% ANP 1,271 1,206 +9% +5% TWPI 4,352 3,895 +7% +12% TWPI 6,681 6,377 +9% +5% OPAT 1,064 995 +3% +7% OPAT 823 826 +2% 59

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