●Proposed transaction covers five markets and accelerates Grab's growth and penetration into consumer lending, while unlocking new distribution channels for Atome Financial and cross-sell opportunities for both ecosystems

●Combining Atome Financial’s AI-powered lending infrastructure with Grab’s ecosystem insights widens financial access for underserved consumers and merchants across Southeast Asia, while enabling Grab to scale consumer lending with disciplined credit risk management

●Grab expects Financial Services Segment Adjusted EBITDA1 of $500 million and a gross loan portfolio of over $6 billion by 2028, including Atome Financial