Investor Presentation Hamilton Insurance Group, Ltd. Q4 2025 Special Note Regarding Forward-Looking Statements This presentation includes "forward looking statements" pursuant to the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the use of terms such as "believes," "expects," "may," "will," "target," "should," "could," "would," "seeks," "intends," "plans," "contemplates," "estimates," "forecasts," or "anticipates," or sim ...

Financial Performance - Hamilton's Gross Premiums Written (GPW) reached $2.4 billion in FY 2024 [12], and $2.3 billion for the first nine months of 2025 [12] - The company's underwriting income was $149 million in FY 2024 [12], but decreased to $73 million for the first nine months of 2025 [12] - Hamilton's combined ratio was 91.3% in FY 2024 [12], but increased to 95.2% for the first nine months of 2025 [12] - Net income was $400 million in FY 2024 [12], and $405 million for the first nine months of 2025 [12] - As of September 30, 2025, Hamilton had $5.7 billion in cash and invested assets [12], and $2.7 billion in shareholders' equity [12] Business Segments - In 2024, the International segment's GPW was $1.3 billion [29], with Hamilton Select contributing $117 million, or 9% [29] - The International segment's business mix in 2024 consisted of 43% Specialty, 42% Casualty, and 15% Property [29] - The Bermuda segment's GPW was $1.1 billion in 2024 [42] - The Bermuda segment's business mix in 2024 consisted of 47% Casualty, 38% Property, and 15% Specialty [42] Investment Strategy - As of September 30, 2025, Hamilton's investment portfolio totaled $5.7 billion [52] - 62.6% or $3.6 billion of the investment portfolio was allocated to Fixed Income, Short-Term and Cash [53] - 37.4% or $2.1 billion of the investment portfolio was allocated to the Two Sigma Hamilton Fund (TSHF) [53] - The fixed income portfolio, valued at $3.0 billion, had an average rating of Aa3 and a duration of 3.3 years [54]