International General Insurance Holdings Ltd. · NASDAQ:IGIC
International General Insurance — Q3 2026 Earnings Presentation
21 slides from International General Insurance's earnings presentation, Nov 3, 2026
Slide 1: Investor Presentation Third Quarter 2026
Investor Presentation Third Quarter 2026 November 2026
Slide 2: 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, consequently, you should no
Slide 3: IGI at a Glance
IGI is a Bermuda-domiciled international specialist insurance and reinsurance group with a demonstrated track record of maximizing shareholder value IGI AT A GLANCE ~25 $667 million Total Assets $2.1 billion(2) A A Stable Outlook Financial Strength Ratings lines of business Global Presence, Local Kn
Slide 4: Strategy to Generate Shareholder Value Across Market Cycles
❖ Capital held to meet most stringent regulatory / rating agency requirements ❖ Robust and continual assessment of capital position ❖ Maintain optimal level of capital for "underwriting first" strategy ❖ Return excess capital to shareholders in share repurchases and dividends 4 STRATEGY TO GENERATE
Slide 5: Strategic Advantages, Attributes That Generate Sustainable Value
STRATEGIC ADVANTAGES, ATTRIBUTES THAT GENERATE SUSTAINABLE VALUE 5 ▪Disciplined underwriting ▪Agility in portfolio management ▪Stability in leadership ▪Flat structure, open communication → efficient decision-making ▪Compensation structure rewards risk-adjusted profitability ▪Significant insider owne
Slide 6: 20+ Years of Steady Growth and Success
20+ YEARS OF STEADY GROWTH AND SUCCESS 6 S&P raises IGI's financial strength rating to A (Stable) Celebrated 5 years of trading on Nasdaq 3/18/2025 Paid special common share dividend of $0.85; increased common share quarterly dividend to $0.05; established new 5 million common share repurchase autho
Slide 7: Diversification Reduces Volatility in Earnings
$0 $100 $200 $300 $400 $500 $600 $700 $800 2020 2021 2022 2023 2024 2025 9/30/2026 LTM Reinsurance Long-Tail Short-Tail DIVERSIFICATION REDUCES VOLATILITY IN EARNINGS 7 IGI writes a well-diversified portfolio of global specialty risks producing a consistent and stable source of earnings across marke
Slide 8: Q3 / 9M 2026 Financial Results Highlights
Q3 / 9M 2026 FINANCIAL RESULTS HIGHLIGHTS 8 NET INCOME Q3 COMBINED RATIO Q3 85.7% 6.9 pts of CAT losses, offset by 7.1 pts of favourable prior years reserve development $28.0 million -16.4% vs Q3 2025 driven by higher net losses primarily in the Short-tail Segment ANNUALIZED ROAE BOOK VALUE PER SHAR
Slide 9: Consistent Execution of Underwriting Strategy and Cycle Management
87.9% 86.9% 84.3% 87.1% 105.0% 88.7% 94.1% 89.3% 86.4% 78.5% 76.7% 79.9% 85.9% 90.1% 0% 20% 40% 60% 80% 100% 120% $0 $100 $200 $300 $400 $500 $600 $700 $800 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 9/30/2026 LTM Reinsurance Long-Tail Short-Tail CONSISTENT EXECUTION OF UNDERWR
Slide 10: Specialist Individual Risk Strategy Protects Capital and Optimizes Profitability
SPECIALIST INDIVIDUAL RISK STRATEGY PROTECTS CAPITAL AND OPTIMIZES PROFITABILITY 10 Data source: Swiss Re Institute, PCS, Insurance Information Institute, A.M. Best, AON Global Cat Recap, IGI. Weather Earthquakes / Tsunamis Man-made IGI Combined Ratio Industry Cat Losses $ Billions 2022 Hurricane Ia
Slide 11: Well-Positioned for Future Total Value Creation Opportunities
WELL-POSITIONED FOR FUTURE TOTAL VALUE CREATION OPPORTUNITIES 11 GLOBAL PRESENCE ❖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 - enhanced by additional resources on
Slide 12: Balance Sheet Management: Conservative Investment Strategy
BALANCE SHEET MANAGEMENT: CONSERVATIVE INVESTMENT STRATEGY 12 Investment portfolio managed conservatively to ensure on-going ability to pay claims and improve returns while avoiding undue risk Total Investment Portfolio of $1.3 Billion At 9/30/2026 Average Credit Quality: A Duration: 3.7 Years Asset
Slide 13: Balance Sheet Management: Prudent Reserving Philosophy
45% 51% 2020 9M 2026 BALANCE SHEET MANAGEMENT: PRUDENT RESERVING PHILOSOPHY 13 History of Favourable Reserve Development Net IBNR as % of Total Net Reserves Conservative approach to reserving and releasing reserves; reserves released gradually over time. Specialty long-tail portfolio provides divers
Slide 14: Consistent High-Quality Returns with Lower Volatility
CONSISTENT HIGH-QUALITY RETURNS WITH LOWER VOLATILITY 14 IFC AIZ PGR KNSL FFH ALL AFG AMSF CB PLMR HIG WRB UVE TRV BOW RLI BRK/B MKL ACGL IGIC ORI SIGI THG HCI RNR EG DFY SAFT CNA MCY KMPR LRE HG HMN FIHL AXS EIG CINF AIG SPNT JRVR DGICA GBLI PRA UFCS WTM GLRE 10-Year Total Value Creation Return on
Slide 15: Track Record of Maximizing Total Value Creation
TRACK RECORD OF MAXIMIZING TOTAL VALUE CREATION GRAPH 15 $10.43 $10.72 $11.36 $12.17 $10.20 $11.06 $12.01 $15.45 $18.49 $21.86 $0 $5 $10 $15 $20 $25 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10.3% 0.1% 9.8% 7.0% 10.3% 14.3% 23.7% 28.1% 24.2% 16.8% 0% 5% 10% 15% 20% 25% 30% 35% 2016 2017 2018
Slide 16: Commitment to Social Responsibility and Governance
COMMITMENT TO SOCIAL RESPONSIBILITY AND GOVERNANCE 16 IGI Values are Embedded Throughout the Company Our purpose: "To provide peace of mind in times of uncertainty." This is core to our values, our business, and our corporate character. We have a long track record of supporting our people and our co
Slide 17: Appendix
APPENDIX 17
Slide 18: Selected Financial Data
SELECTED FINANCIAL DATA 18 IFRS U.S. GAAP U.S. GAAP (Unaudited) U.S. GAAP (Unaudited) Year Ended December 31, Year Ended December 31, Nine months ended Sep 30, Quarter ended Sep 30, ($ in mm) 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2025 2026 2025 Operating Results: Gross Written Premiums $
Slide 19: Summary Income Statement
SUMMARY INCOME STATEMENT 19 IFRS U.S. GAAP U.S. GAAP U.S. GAAP Year Ended December 31, Year Ended December 31, Nine Months ended Sep 30, Quarter ended Sep 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 6
Slide 20: Reconciliation of Core Operating Income
RECONCILIATION OF CORE OPERATING INCOME 20 (1) Represents a non-GAAP financial measure as the line item balances reported in the "Summary Income Statement" have been adjusted for the related tax impact. (2) Related to the business combination with Tiberius Acquisition Corp. in March 2020. (3) This e
Slide 21: Contact Us
CONTACT US INVESTOR INQUIRIES: 21 Robin Sidders Head of Corporate Relations robin.sidders@iginsure.com Ahmad Jabsheh AVP, Corporate Relations ahmad.jabsheh@iginsure.com
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