AIA Financial Overview and ESG Commitment

Very Strong and Resilient Solvency Position Very Strong Capital Position Group LCSM Cover Ratio Prescribed Capital Requirement (PCR) Basis 291% I 296% -(13)% From share buy-back 283% AIA Resilient to Market Volatility Sensitivities of Group LCSM Cover Ratio to Changes in Interest Rates and Equity Markets LCSM Cover Ratio as of 31 Dec 2022 Impact on 283% Group LCSM Cover Ratio 10% increase in equity prices 287% +4 pps 10% decrease in equity prices 278% (5) pps 50 bps increase in interest rates 277% (6) pps - ☐ As at 31 Dec 2021 Pro forma (1) As at 31 Dec 2022 Group LCSM cover ratio up year-on-year before share buy-back PCR basis since 1 Jan 2022 Group LCSM cover ratio at 552% on MCR basis as at 31 Dec 2022 All key markets are shown on a risk-based regulatory basis 50 bps decrease in interest rates 288% +5 pps Sensitivities to interest rates and equity markets remain small Strong resilience to volatile market environment Significant buffer to capitalise on growth opportunities Notes: MCR refers to minimum capital requirement basis (1) Pro forma assuming early adoption of HKRBC, introduction of C-ROSS II and release of additional resilience margins 31

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