2021 Results and Financial Review

Footnotes (3) Slide Reference Footnote 1. 39 2. 3. Momentum and ambitions against 2020 baseline, unless otherwise stated Based on occupied floor space as at 31 Dec 2021 Gross of inflation 1. 2. Controllable costs excluding IFRS 17 and implementation costs and planned investment in growth Average AUM 40 40 3. 4. Represents Aviva Investors revenue. Further guidance in respect of the APMs used by the Group can be found in the 'Other information' section of the 2021 Results Announcement Represents the ratio of earned expenses, excluding IFRS17 and implementation costs and planned investment in growth, plus earned commission divided by net earned premiums Subject to actual business mix achieved 5. 1. The estimated Solvency II position represents the shareholder view only 2. Other includes the impact of capital actions, non-economic assumption changes and other non-recurring items 46 3. 47 1. 49 1. 1. 50/51 2. 3. Dividends includes £17 million of Aviva plc preference dividends and £21 million of General Accident plc preference dividends, £549 million for the final dividends in respect of the 2020 financial year and £287 million for the interim dividend in respect of the 2021 financial year Subject to shareholder approval and other customary conditions, including no material deterioration in market conditions or the Company's financial position. There are important notices relating the B Share Scheme and illustrative share consolidation ratio and illustrative future dividend per share on page 2 of this presentation. Please read these notices in full in order to obtain a comprehensive understanding of the Company's proposal Management actions & other includes the impact of capital actions, non-economic assumption changes and other non-recurring items Management actions & other includes the impact of capital actions, non-economic assumption changes and other non-recurring items For UK General Insurance only, capital held for internal risk appetite purposes is used instead of opening shareholder Solvency II own funds to ensure consistency in measuring performance across markets. This is only applicable to UK General Insurance Solvency II return on capital and not to the aggregated Group solvency II return on equity measure Preference shares includes £21 million of dividends and £250 million of capital in respect of General Accident plc. The corporate bond spread sensitivity is applied such that even though movements vary by rating and duration consistent with the approach in the solvency capital requirement, the weighted average spread movement equals the headline sensitivity. Fundamental spreads remain unchanged. 1. 53 2. An immediate full letter downgrade on 20% of the annuity portfolio credit assets (e.g. from AAA to AA, from AA to A) 1. Tier 3 regulatory own funds at 31 December 2021 consist of £123 million net deferred tax assets (2020: £96 million). There is no subordinated debt included in Tier 3 regulatory own funds (2020: £259 million) 54 2. Solvency II regulatory debt consists of Restricted Tier 1 and Tier 2 regulatory own funds and Tier 3 subordinated debt 62 1. Subject to UK Endorsement Board AVIVA 99 66

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