IFRS 17 Impact and OPAT Analysis

CSM by Class of Business and Geography Measurement Model Class of Business General Measurement Model (GMM) Non-par protection and savings Universal life Unit-linked (protection) Other par without distinct portfolios Variable Fee Approach (VFA) Participating funds Unit-linked (savings) Other par with distinct portfolios Premium Allocation Approach (PAA) Annual renewable group insurance contracts, classified as short-term (< 1 year) Note: As of 31 Dec 2022 Included in CSM CSM VFA 41% By J Measurement Model GMM 59% Malaysia 5% Other Markets 6% Singapore 9% Hong Thailand 12% CSM By Market Segment Kong 35% Mainland China 33% AIA 24 24

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