International General Insurance Holdings Ltd. · NASDAQ:IGIC
International General Insurance — Q4 2025 Earnings Presentation
21 slides from International General Insurance's earnings presentation, Feb 25, 2026
Slide 1: IGI Investor Presentation Fourth Quarter 2025
IGI Investor Presentation Fourth Quarter 2025 February 2026
Slide 2: Forward Looking Statements
Forward Looking Statements This presentation contains “forward-looking statements” within the meaning of the “safe harbour” provisions of the Private Securities Litigation Reform Act of 1995. The expectations, estimates, and projections of the business of IGI may differ from its actual results and,
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 $2.1 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 IGI established by insurance capital raise Bermuda subsidiary Commenced underwriting Ports & 2015 underwriting industry General Aviation Terminals, veteran Wasef 2002 Commenced 2008 busin
Slide 7: Diversification Reduces Volatility in Earnings
Diversification Reduces Volatility in Earnings IGI writes a diversified portfolio of global specialty risks across a wide range of products and geographies producing a consistent and stable source of earnings across market cycles Gross Premiums Written by Line of Business (1) Gross Premiums Written
Slide 8: Q4 / FY 2025 Financial Results Highlights
Q4 / FY 2025 Financial Results Highlights Net Income Annualized ROE Q4 FY Q4 FY $32.3 million $127.2 million 18.5% 18.6% +7.7% vs Q4 2024 -5.9% vs FY2024 → lower u/w income +0.1 pts vs Q4 2024 -4.0pts vs FY2024 due to lower earned premiums Combined Ratio Underwriting Income Q4 FY Q4 FY 82.0% 85.9% $
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 ❖ Growth in U.S. business written from London/Bermuda - specialty treaty Global reinsurance and short-tail lines; no US liability business Presence ❖ Continued penetration in regional markets across Asia Pacific and MENA - enhanced by add
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 $1.32 Billion As at 12/31/2025 Asset Allocation Credit Quality Geographic Divers
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 US liability business a
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 2015-2024 Higher Volatility, Higher Returns Lower Volatility, Higher Returns ORI AMSF BOW SIGI IFC RLI TRV CINF EIG KNSL CB AFG WRB PGR CNA HIG ACGL THG PLMR EG IGIC HMN ALL
Slide 15: Track Record of Maximizing Total Value Creation Graph
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 $0 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Slide 16: Commitment to Social Responsibility and Governance
Commitment to Social Responsibility and Governance Our purpose: “To provide peace of mind in times of uncertainty.” This is core to our values, our business, and our corporate character. We have a long track record of supporting our people and our communities. Mature governance structure: IGI Values
Slide 17: Appendix
I) APPENDIX PROVIDING PEACE OF MIND IN TIMES OF UNCERTAINTY
Slide 18: Selected Financial Data
Selected Financial Data IFRS U.S. GAAP U.S. GAAP (Unaudited) U.S. GAAP (Unaudited) Year Ended December 31, Year Ended December 31, Twelve Months Ended Dec 31, Quarter ended Dec 31, ($ in mm) 2017 2018 2019 2020 2021 2022 2023 2024 2025 2024 2025 2024 Operating Results: Gross Written Premiums $275.1
Slide 19: Summary Income Statement
Summary Income Statement IFRS U.S. GAAP U.S. GAAP U.S. GAAP Year Ended December 31, Year Ended December 31, Twelve Months ended Dec 31, Quarter ended Dec 31, ($ in mm) 2017 2018 2019 2020 2021 2022 2023 2024 2025 2024 2025 2024 Gross Written Premiums $275.1 $301.6 $349.2 $467.3 $537.2 $582.0 688.7 $
Slide 20: Reconciliation – Core Operating Earnings
Reconciliation – Core Operating Earnings IFRS (Audited) 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
Slide 21: Contact Us
Contact Us Investor Inquiries: Robin Sidders Head of Corporate Relations robin.sidders@iginsure.com Ahmad Jabsheh AVP, Corporate Relations ahmad.jabsheh@iginsure.com iginsure.com International General Insurance Holdings Ltd. 21
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