Investor Presentaiton

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% 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 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 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 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 31

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