Grab Investor Day Presentation Deck

GrabFin already generates ecosystem benefits Cashless Payments 2.9x GrabPay users are 2.9x more likely to use a second Grab product than cash users(1) 。° 1.5x 10+ months retention rates of GrabPay users are 1.5x higher than cash users(2) PayLater +25% TPV per user (PayLater vs. non-PayLater) (3) +22% Transactions per user (PayLater vs. non-PayLater) (3) Driver/Merchant Lending +13% Rides per driver-partner (driver-partner with advances vs. without) (4) +22% Transactions per merchant-partner (merchant-partner with advances vs. without) (5) Insurance +16% Rides per driver-partner (driver-partner with insurance vs. without) (6) +19% Online hours per driver-partner (driver-partner with insurance vs. without) (6) 1. As of Q2 2022 2. For the July 2021 cohort, and after 10+ months of first usage 3. Feb to May 2021 cohorts in Singapore and Malaysia 4. Comparison between a cohort of driver-partners in Malaysia, Singapore, Philippines, and Thailand with an active loan relative to driver-partners in the same countries without an active loan. Comparison spans 5 months post adoption period. Cohort period spans from July and August 2021 (July and September 2021 for Malaysia) 5. Based on Q3 2021 cohorts of merchant-partners in Thailand 6. Comparison between a cohort of driver-partners in Malaysia, and Singapore, with insurance relative to driver-partners in the same countries without an active insurance policy from Grab. Cohort period spans from July and August 2021 (July and September 2021 for Malaysia) 74

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