Investor Presentaiton
Strategy to Maximize Total Value Creation over the Long-term
Consistent Execution of
Underwriting Strategy
Individual risk underwriting
facilitates tighter risk control
Global footprint, local
knowledge, long relationships
Deep technical expertise,
specialized experience
Dynamic cycle management,
focused on lines with strong
margins and rate momentum
Lower volatility, prudent use of
reinsurance, managed CAT
exposure
Balance Sheet Strength,
Prudent Use of
Capital
Maintain optimal level of capital
for "underwriting first"
strategy; return excess capital
in dividends, share
repurchases
Zero financial leverage
Prudent reserving philosophy
Conservative investment
portfolio structure - high
quality fixed income; duration
management
Track Record of Strong
Underwriting Results
Underwriting strategy results in
average 4 pt combined ratio
advantage¹ vs. peers
10-year average 88.3%
combined ratio
10-year average 11.6% core
operating ROE, including soft
market years
Top quartile risk adjusted
return, low relative volatility2
(1) Represents difference in average combined ratios for the period 2012 - Q2 2022 between IGIC and peers. Peers include: MKL, ACGL, WRB, RE, RNR, HSX-LON, AXS, RLI, BEZ-LON, ARGO, KNSL, LRE-LON, JRVR
and Lloyd's of London
(2) Source Dowling Research (see Slide 5)
International General Insurance Holdings Ltd.
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