Slides
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Company Presentation June/2026
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IRB(Re) at a glance
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87-year history as protagonist safeguarding the society’s future 1939 Founded as monopoly 1996 Public and private ownership company 2007 End of reinsurance monopoly 2013 Privatization 2017 IPO 2019 Becomes a corporation 2023 New brand IRB(Re) 2024 Great Place to Work certification Ratings brAAA A- (Excellent) Coverage of Adjusted Equity 316% Jun/26 87 years of history IRB(Re) is Brazil’s leading reinsurer 2025 Dividend payment reinstated
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4 Destaques 01 Largest reinsurer in Brazil. 02 Listed on Novo Mercado – B3. 03 Socially responsible in protecting and generating value for society. 04 Coverage in 9 business lines, being protagonists in most segments. Disciplined underwriting focused on profitability and risk analysis combined with generating value for clients. 06 Solvency position in Jun26: 316%. 05
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As of jun/26 Shareholder structure Free Float 99,6% Shareholders with relevant position Shares Held in Treasury 0,3% Management* 0,1% 100% Bradesco Seguros 15,9% Itaú Seguros 11,6% Bonsucex Holding 5,1% *Board of Directors, Executive Officers and Statutory Committees
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Executive Team Debora Tavares 20 Years of Experience Chief Risk Officer Bernardo Arruda 24 Years of Experience Legal Counsel Daniel Volpe 25 Years of Experience Technical Director and Retrocessions Thays Vargas 21 Years of Experience Accounting, Tax and Treasury Director Marcos Falcão 39 Years of Experience CEO Luciana Martos 29 Years of Experience Strategic Resources Director Daniel Zaltman 15 Years of Experience Underwriting Director Ricardo Siquieri 22 Years of Experience Life Director
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Underwriting Strategy
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60% 12% 4% 3% 21% Property Agriculture Special Risks Life Others 48% 18% 5% 9% 20% Underwriting Strategy Geographic distribution (Retained premiums) Retained Premiums Breakdown by Portfolio Note: Other includes aviation, marine, financial risks, liability and motor. Values in BRL million 3,405 3,327 329 93 3,734 3,420 2T25 2T26 Vida P&C 2Q2025 2Q2026 Life LTM 2Q25 LTM 2Q26 2,474 2,083 495 503 766 834 3,734 3,420 LTM 2Q25 LTM 2Q26 Brazil LatAm International 15% 24%61% 13% 21%66%
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Performance
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Last Twelve Months (LTM) IRB(Re) Financials Highlights IFRS 4 Values in BRL mllion 6.417 6.615 6.621 6.429 6.339 6.10 5.842 5.882 5.692 (2.648) (2.630) (2.574) (2.532) (2.605) (2.540) (2.299) (2.417) (2.272) 3.770 3.986 4.048 3.897 3.734 3.560 3.542 3.464 3.420 Jun/24 Sep/24 Dec/24 Mar/25 Jun/25 Sep/25 Dec/25 Mar/26 Jun/26 Retained Premium Written Premium Retroceded Premium 274 272 379 452 433 628 626 741 817 Mar/24 Jun/24 Sep/24 Dec/24 Mar/25 Jun/25 Sep/25 Dec/25 Mar/26 Underwritting Results 185 230 298 373 413 491 474 505 487 Mar/24 Jun/24 Sep/24 Dec/24 Mar/25 Jun/25 Sep/25 Dec/25 Mar/26 Net Income 554 532 516 593 589 616 662 623 649 52 88 89 89 89 51 61 60 39 606 620 604 682 678 668 723 683 688 Jun/24 Sep/24 Dec/24 Mar/25 Jun/25 Sep/25 Dec/25 Mar/26 Jun/26 Financial Result & Other Equity Income Financial Results Equity Income
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*Shareholders’ equity already considers the effects of the payment of dividends and interest on equity. 891 894 1,115 1,384 1,514 1,650 1,747 1,862 1 201 401 601 801 1,001 1,201 1,401 1,601 1,801 2,001 3T24 4T24 1T25 2T25 3T25 4T25 1T26 2T26 2,392 1,008 1,384 2.724* 862 1,862 1 501 1,001 1,501 2,001 2,501 3,001 PLA CMR Suficiência 2T25 2T262Q25 183% 183% 207% 237% 251% 268% 287% 316% 100% 150% 200% 250% 300% 350% 3T24 4T24 1T25 2T25 3T25 4T25 1T26 2T26 Regulatory Solvency Ratio (ASQ / MCR) ▪ ASQ – Tangible Equity ▪ MCR –Minimum Capital Requirement ▪ Minimum regulatory limit = 100% +79 p.p. Evolution of Tangible Equity Strength and resilience bolstered by capital sufficiency higher than required Sufficiency of Tangible Equity (ASQ) R$ million R$ million 11 1Q25 2Q25 3Q25 4Q25 1Q263Q24 4Q24 2Q26 1Q25 2Q25 3Q25 4Q25 1Q263Q24 4Q24 2Q26 2Q26 Tangible Equity Minimum Capital Requirement Sufficiency Capital Management - Regulatory Solvency
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Return vs. Reinvestment rate (LTM) 6.7% 11.2% 11.2% 9.9% 12,6% 12.9% 4.4% 12.4% 13.0% 10.9% 14.3% 14.7% 2021 2022 2023 2024 2025 2T2026 Retorno Anual Onshore Tx Reinvestimento (R$ billion) AUM Return Yield (%CDI) %AUM Onshore %AUM Total Onshore 5.1 12.9% 87.3% 100% 62% Government bonds – Floating 2.1 14.7% 99.8% 40% 25% Government bonds – Fixed 0.6 13.5% 91.7% 12% 7% Government bonds – Inflation 1.8 9.8% 66.7% 36% 22% -Current 1.0 11.6% 78.6% 19% 11% -Legacy 0.9 7.9% 53.7% 17% 10% Private bonds 0.4 13.9% 94.5% 8% 5% Shares 0.1 24.4% 166.0% 3% 2% Others 0.1 -1.3% -9.0% 1% 1% (R$ billion) AUM Return Yield (%Fed) %AUM Offshore %AUM Total Offshore 3.2 4.9% 125.4% 100% 38% Sovereign bonds US/CAD (RTAs) 1.0 3.1% 80.2% 32% 12% Sovereign bonds BR 1.4 6.2% 160.1% 45% 17% Private bonds 0.7 4.8% 122.4% 22% 8% Total AUM 8.3 9.8% 100% % AUM Total 3Q25 4Q25 1Q26 2Q26 Legacy inflation 9% 10% 10% 10% NTNB 2026 (IPCA + 2.36%) 3% 4% 4% 4% NTNB 2028 (IPCA + 2.62%) 6% 6% 6% 6% Sovereign Br Legacy 1% 0% 0% 0% BRAZIL 2026 1% 0% 0% 0% Details and history of legacy 12 Reinvestment RateAnnual Onshore Rate 2Q26 Return on Portfolio (LTM)