Grab Investor Day Presentation Deck

Financial Services: Optimizing our cost structure Financial Services Segment Adj. EBITDA (1) Peak losses expected as Digibanks launch 2022E 2023E 2024E Digibank Target break-even in 2026 Sequential reduction in Segment Adjusted EBITDA (1) losses 2025E GrabFin 2026E Digibank Losses expected to reduce as lending revenues grow Malaysia and Indonesia digital banks launch in 2023 GrabFin Focus on on-platform and ecosystem lending/ insurance Focus on contribution positive off-platform transactions Note: 1. Segment Adjusted EBITDA is a non-IFRS financial measure, representing the Adjusted EBITDA of each of our four business segments, excluding, in each case, regional corporate costs. For a reconciliation to the most directly comparable IFRS measure see the section titled "Non-IFRS Reconciliation." 2. For illustrative purposes and indexed to 100 as of 2022E. 98

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