2021 VONB Performance and Strategic Highlights

Sensitivity Analysis - VONB AIA Sensitivity of VONB for the twelve months ended 31 December 2021 Interest rates +50 bps +2.2% Interest rates -50 bps (3.2)% Equity and property returns and risk discount rates -100 bps Presentation currency 5% appreciation (4.2)% Presentation currency 5% depreciation +4.2% Lapse/discontinuance rates +10% (6.7)% Lapse/discontinuance rates -10% Mortality/morbidity rates +10% (13.0)% Mortality/morbidity rates -10% Maintenance expenses -10% Expense inflation set to 0% +7.5% +12.2% +3.0% +2.2% +13.0% 72 22

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