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Group consolidated results overview Net retained natural perils losses as % of net earned premium 18.3% 13.2% 12.5% 12.5% 11.8% 9.6% 9.1% 9.0% 8.6% 8.0% 8.0% 8.0% 7.8% 6.4% 6.4% 6.7% 5.7% 5.7% 8.1% 6.7% 6.9% 5.7% 5.8% 4.3% 4.2% 4.7% 3.7% 3.5% 3.8% 3.7% Dec 2013 Dec 2014 Dec 2015 Dec 2016 Dec 2017 Dec 2018 Dec 2019 Dec 2020 Dec 2021 Dec 2022 OUTsurance Youi Combined (short-term insurance) OUTsurance Group Limited OUT 7

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