Investor Presentaiton

Malaysia: Strong positioning #1 MDRT company 24k No. of agents One of the largest agency forces +36% YoY increase in MDRTS Increase in quality Strong Takaful base #1 44 1. Source: Malaysian Takaful Association (MTA). +15% Takaful market leadership¹ YoY growth in Takaful agents to c.19k Quality focus 98% High regular premium mix 68% High H&P mix in NBP New business profit, $m -36% 109 70 HY21 HY22 APE sales 202 172 -15% Margin 54% 41% -13ppt

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