International General Insurance Holdings Ltd. · NASDAQ:IGIC
International General Insurance — Q2 2026 Earnings Presentation
21 slides from International General Insurance's earnings presentation, Aug 5, 2026
Slide 1: Investor Presentation Second Quarter 2026
Investor Presentation Second Quarter 2026 August 2026
Slide 2: Forward-Looking Statements
FORWARD-LOOKING STATEMENTS This presentation contains “forward-looking statements” of any legal proceedings that may be instituted against within the meaning of the “safe harbour” provisions of the Company; (6) the effects of the hostilities between the Private Securities Litigation Reform Act of 19
Slide 3: IGI at a Glance
IGI AT A GLANCE IGI is a Bermuda-domiciled international specialist insurance and reinsurance group with a demonstrated track record of maximizing shareholder value Global Presence, Local Knowledge $667 Total Assets $2.2 million gross written premium(1) billion (2) Financial Strength Ratings Diversi
Slide 4: Strategy to Generate Shareholder Value Across Market Cycles
STRATEGY TO GENERATE SHAREHOLDER VALUE ACROSS MARKET CYCLES Commitment to long-term total value creation through growth in tangible book value per share plus dividends Consistent Execution of Balance Sheet Dynamic Capital Underwriting Strategy Strength & Stability Management ❖ Individual risk underw
Slide 5: Strategic Advantages, Attributes That Generate Sustainable Value
STRATEGIC ADVANTAGES, ATTRIBUTES THAT GENERATE SUSTAINABLE VALUE ▪Disciplined underwriting ▪Agility in portfolio management ▪Deep technical expertise by line ▪Stability in leadership ▪Early visibility on market changes ▪Flat structure, open communication ▪Physical presence in multiple → efficient de
Slide 6: 20+ Years of Steady Growth and Success
20+ YEARS OF STEADY GROWTH AND SUCCESS 2012- 2001 2007 $75mm 2013 $25mm Established capital raise 2009 Commenced 2016- IGI established by insurance industry capital raise Bermuda subsidiary Commenced underwriting underwriting Ports & 2015 2018 General Aviation Terminals, Commenced veteran Wasef Jabs
Slide 7: Diversification Reduces Volatility in Earnings
DIVERSIFICATION REDUCES VOLATILITY IN EARNINGS IGI writes a well-diversified portfolio of global specialty risks producing a consistent and stable source of earnings across market cycles (1) Gross Premiums Written by Line of Business (1) Gross Premiums Written by open Market / Facility Professional
Slide 8: Q2 / 1H 2026 Financial Results Highlights
Q2 / 1H 2026 FINANCIAL RESULTS HIGHLIGHTS NET INCOME ANNUALIZED ROAE Q2 1H Q2 1H $20.9 million $42.5 million 12.6% 12.3% -38.7% vs Q2 2025 driven by -30.8% vs 1H 2025 driven by -8.2 pts vs Q2 2025, due -6.3 pts vs 1H 2025, due higher net losses primarily higher net losses primarily to lower net inco
Slide 9: Consistent Execution of Underwriting Strategy and Cycle Management
CONSISTENT EXECUTION OF UNDERWRITING STRATEGY AND CYCLE MANAGEMENT Demonstrated track record of profitable growth and diversification supported by underwriting discipline and strong cycle management. Specialist underwriting strategy results in a ~4 pt combined ratio advantage(1) relative to industry
Slide 10: Specialist Individual Risk Strategy Protects Capital and Optimizes Profitability
SPECIALIST INDIVIDUAL RISK STRATEGY PROTECTS CAPITAL AND OPTIMIZES PROFITABILITY Underwriting discipline backed by in-depth risk assessment and prudent use of reinsurance has resulted in a demonstrated track record of profitable growth and consistently superior returns in heavy catastrophe loss year
Slide 11: Well-Positioned for Future Total Value Creation Opportunities
WELL-POSITIONED FOR FUTURE TOTAL VALUE CREATION OPPORTUNITIES GLOBAL ❖ Growth in U.S. business written from London/Bermuda - no U.S. liability business ❖ Continued penetration in regional markets: the Middle East, Asia Pacific and North Africa regions PRESENCE - enhanced by additional resources on t
Slide 12: Balance Sheet Management: Conservative Investment Strategy
BALANCE SHEET MANAGEMENT: CONSERVATIVE INVESTMENT STRATEGY Investment portfolio managed conservatively to ensure on-going ability to pay claims and improve returns while avoiding undue risk Total Investment Portfolio of $1.29 Billion At 6/30/2026 Asset Allocation Credit Quality Geographic Diversific
Slide 13: Balance Sheet Management: Prudent Reserving Philosophy
BALANCE SHEET MANAGEMENT: PRUDENT RESERVING PHILOSOPHY Conservative approach to reserving and releasing reserves; reserves released gradually over time. Specialty long-tail portfolio provides diversification to short-tail exposures. Cautious view of long-tail exposures; avoid U.S. liability business
Slide 14: Consistent High-Quality Returns with Lower Volatility
CONSISTENT HIGH-QUALITY RETURNS WITH LOWER VOLATILITY 10-Year Total Value Creation Return on Tangible Equity and Sharpe Ratio 2016-2025 Higher Volatility, Higher Returns Lower Volatility, Higher Returns ORI AMSF BOW IFC SIGI RLI AFG TRV KNSL CB WRB CINF PGR CNA ACGL SAFT HIG AIZ EIG THG PLMR IGIC EG
Slide 15: Track Record of Maximizing Total Value Creation
TRACK RECORD OF MAXIMIZING TOTAL VALUE CREATION GRAPH Tangible Book Value Per Share plus Dividends $25 10 Year CAGR* 2016 – 2025: 8.1% $21.86 $20 $18.49 Public listing on Nasdaq(1) $15.45 $15 $12.17 $12.01 $10.72 $11.36 $11.06 $10.43 $10.20 $10 $5 $0 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Slide 16: Commitment to Social Responsibility and Governance
COMMITMENT TO SOCIAL RESPONSIBILITY AND GOVERNANCE Our purpose: “To provide peace of mind in times of uncertainty.” This is core to our values, our business, and our corporate character. We have a long track record of supporting our people and our communities. Mature governance structure: ❖ Majority
Slide 17: Appendix
APPENDIX 17
Slide 18: Selected Financial Data
SELECTED FINANCIAL DATA IFRS U.S. GAAP U.S. GAAP (Unaudited) U.S. GAAP (Unaudited) Year Ended December 31, Year Ended December 31, Six months ended June 30, Quarter ended June 30, ($ in mm) 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2025 2026 2025 Operating Results: Gross Written Premiums $27
Slide 19: Summary Income Statement
SUMMARY INCOME STATEMENT IFRS U.S. GAAP U.S. GAAP U.S. GAAP Year Ended December 31, Year Ended December 31, Six Months ended June 30, Quarter ended June 30, ($ in mm) 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2025 2026 2025 Gross Written Premiums $275.1 $301.6 $349.2 $467.3 $537.2 $582.0 688
Slide 20: Reconciliation of Core Operating Income
RECONCILIATION OF CORE OPERATING INCOME IFRS Year Ended December 31, ($ in mm) 2017 2018 2019 2020 Net Income for the period $7.0 $25.5 $23.6 $27.2 Net Realized Losses / (Gains) on Investments (tax adjusted) (3.1) (1.3) (1.0) (0.9) Net Impairment Losses Recognized in Earnings 0.1 0.0 (0.0) - Unreali
Slide 21: Contact Us
CONTACT US INVESTOR INQUIRIES: Robin Sidders Ahmad Jabsheh Head of Corporate Relations AVP, Corporate Relations robin.sidders@iginsure.com ahmad.jabsheh@iginsure.com 21
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