Grab Results Presentation Deck

Financial Services Key Focus Areas $ Continue to drive usage and adoption Focus on new growth initiatives ~66% On-Grab TPV penetration (¹) in FY 2021 vs. 57% in FY 2020 +5x Growth in BNPL TPV (3) from Q4 2020 to Q4 2021 +22% Q4 2021 YOY % growth in Financial Services MTUS (2) +3x Growth in loans disbursed (4) from Q4 2020 to Q4 2021 Note: 1. Calculated as On-Grab TPV as a percentage of Mobility and Deliveries GMV. 2. MTUs means monthly transacting users, which is defined as the monthly number of unique users who transact via Grab's products, where transact means to have successfully paid for any of Grab's products. MTUs over a quarterly or annual period are calculated based on the average of the MTUs for each month in the relevant period. 3. Calculated as the year-on-year change in TPV (pre-interCo) generated from Buy Now Pay Later. 4. Calculated as the year-on-year change in the value of loans disbursed. 19

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