IGI (NASDAQ: IGIC) grows book value and returns $108M to investors in 2025

Rhea-AI Filing Summary

International General Insurance Holdings Ltd. reported 2025 net income of $127.2 million, down 5.9% from 2024, as higher catastrophe losses and negative foreign exchange pushed the full-year combined ratio up to 85.9% from 79.9%.

Despite softer underwriting, the company grew book value per share to $16.91, a 13.9% increase from year-end 2024, and generated core operating return on equity of 16.8%. Gross written premiums were $666.7 million versus $700.1 million in 2024, reflecting disciplined cycle management.

In the fourth quarter, net income rose 7.7% year over year to $32.3 million with a combined ratio of 82.0%. IGI returned $108.1 million to shareholders in 2025 through common dividends, including a $0.85 special dividend, and share repurchases, while maintaining zero financial leverage and a conservatively invested $1.32 billion portfolio.

Insights

Insurance sector equity analyst

Strong capital generation offsets a tougher underwriting year.

IGI delivered 2025 net income of $127.2 million with a combined ratio of 85.9%, higher than 2024 due to catastrophe losses and foreign exchange. Gross written premiums dipped to $666.7 million, showing disciplined exposure management rather than aggressive growth.

Capital generation remained robust. Book value per share increased 13.9% to $16.91, and core operating return on equity was a solid 16.8%. The investment portfolio reached $1.32 billion, focused on high-quality fixed income, and the balance sheet carried no debt.

The company returned $108.1 million to shareholders through dividends and buybacks in 2025, including a $0.85 special dividend. Future performance will depend on catastrophe activity, currency movements, and the firm’s ability to sustain underwriting discipline while selectively expanding specialty lines and regional platforms.

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 6-K

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16

UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of February 2026

Commission File Number: 001-39255

International General Insurance Holdings Ltd.

(Translation of Registrant’s name into English)

74 Abdel Hamid Sharaf Street, P.O. Box 941428, Amman 11194, Jordan

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F ☒     Form 40-F ☐

EXHIBIT

Exhibit Number		Exhibit Description
99.1		IGI Investor Presentation Q4 2025 (February 2026)

1

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

	INTERNATIONAL GENERAL INSURANCE HOLDINGS LTD.
Date: February 24, 2026	By:	/s/ Pervez Rizvi
		Name:	Pervez Rizvi
		Title:	Chief Financial Officer

2

Exhibit 99.1

IGI Investor Presentation Fourth Quarter 2025 February 2026

International General Insurance Holdings Ltd. 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 it s actual results and, consequently, you should not rely on forward - looking statements as predictions of future events. Words such as “ability,” “aim,” “impact,” “seek,” “strategy,” “expect,” “estimate,” “project,” “budget,” “forecast,” “anticipate,” “intend, ” “ plan,” “may,” “will,” “could,” “should,” “believe,” “predict,” “potential,” “continue,” “commitment,” “able,” “success” and similar express ion s are intended to identify such forward - looking statements. Forward - looking statements contained in this presentation may include, but are not limited to, our expectations regarding the performance of our business, our financial results, our liquidity and capi tal resources, the outcome of our strategic initiatives, our expectations regarding other market conditions, and our growth prosp ect s. These forward - looking statements involve significant risks and uncertainties that could cause the actual results to differ mater ially from the expected results. Most of these factors are outside of the control of IGI and are difficult to predict. Factors that ma y cause such differences include, but are not limited to: (1) changes in demand for IGI’s services together with the possibility that IG I may be adversely affected by other economic, business, and/or competitive factors globally and in the regions in which it operate s; (2) competition, the ability of IGI to grow and manage growth profitably, and IGI’s ability to retain its key employees; (3) chan ges in applicable laws or regulations; (4) risks related to fluctuations in global currencies including the UK Pound Sterling, the E uro , and the U.S. Dollar; (5) the outcome of any legal proceedings that may be instituted against the Company; (6) the effects of the hostilities between Russia and Ukraine, and the sanctions imposed on Russia by the United States, European Union, United Kingdom and others; (7) the effects of military conflicts in the Middle East, including the potential disruption of Red Sea international shipping routes; (8) the impact of the tariffs that have been imposed or may be imposed by the U.S. administrat ion ; (9) the potential impact of artificial intelligence technologies on the insurance industry and the ability of IGI to effectively dep loy AI technologies; (10) the inability to maintain the listing of the Company’s common shares on Nasdaq; and (11) other risks and uncertainties indicated in IGI’s filings with the SEC. The foregoing list of factors is not exclusive. In addition, forward - look ing statements are inherently based on various estimates and assumptions that are subject to the judgment of those preparing them and are also subject to significant economic, competitive, industry and other uncertainties and contingencies, all of which a re difficult or impossible to predict and many of which are beyond the control of IGI. There can be no assurance that IGI’s fina nci al condition or results of operations will be consistent with those set forth in such forward - looking statements. You should not pl ace undue reliance upon any forward - looking statements, which speak only as of the date made. IGI does not undertake or accept any obligation or undertaking to release publicly any updates or revisions to any forward - looking statements to reflect any change i n its expectations or any change in events, conditions, or circumstances on which any such statement is based except to the extent tha t it is required by law.

International General Insurance Holdings Ltd. 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 ~25 $667 million Total Assets $2.1 billion (2) A A Stable Outlook Financial Strength Ratings 10 - Year Average Core ROE (3) 14.5% 10 - Year Average Combined Ratio (3) 87.1% lines of business Global Presence, Local Knowledge (1) Full year 2025 (2) At December 31, 2025 (3) 2016 - 2025 gross written premium (1) 8 484 offices worldwide employees (2) NASDAQ: IGIC Diversified Portfolio 20+ years of success Stable Outlook

International General Insurance Holdings Ltd. 4 Strategy to Generate Shareholder Value Across Market Cycles Balance Sheet Strength & Stability Consistent Execution of Underwriting Strategy Dynamic Capital Management ❖ Individual risk underwriting strategy facilitates tighter risk control ❖ Deep technical capabilities, specialized experience with local expertise in regional markets ❖ Dynamic cycle and portfolio management focused on strongest margins and rate momentum ❖ Prudent use of reinsurance to mitigate volatility and manage catastrophe exposure ❖ Zero financial leverage ❖ Prudent reserving philosophy ❖ Conservative investment strategy – high quality, diversified fixed income portfolio; duration and currency management ❖ 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 Commitment to long - term total value creation through growth in tangible book value per share plus dividends

International General Insurance Holdings Ltd. 5 Strategic Advantages, Attributes that Generate Sustainable Value Disciplined underwriting Agility in portfolio management Stability in leadership Flat structure, open communication → efficient decision - making Compensation structure rewards risk - adjusted profitability Significant insider ownership → shareholder alignment * Long - term perspective Clear vision Entrepreneurial spirit overlayed with conservative view of risk and volatility Multi - layered diversification Preserve capital, mitigate volatility Commercial lines business only – no personal lines High Performance Culture Founder/ Manager Mindset Commitment to Sustainable Value Creation Specialist Knowledge & Experience Deep technical expertise by line Early visibility on market changes 20+ year history of consistent high - quality shareholder returns * Jabsheh family ownership: 37.0% at December 31, 2025 Underwriting ‘profit centers’ irrespective of geography of risk; single P&L across IGI Group Physical presence in multiple regions → cultural compatibility

International General Insurance Holdings Ltd. 6 20+ Years of Steady Growth and Success (1) FCA previously known as FSA (2) At 12/31/2025 (3) As of 2/20/2026 Redomiciled to Bermuda and commenced underwriting U.S. E&S business Commenced underwriting Marine Trades and Marine Cargo business CEO succession: Waleed Jabsheh named CEO; Wasef Jabsheh named Executive Chairman Completed acquisition of Norway MGA Energy Insurance Oslo (EIO) Completed redemption and delisting of IGI Warrants IGI celebrates 20 years in business Announced new dividend policy of $0.01 per common share per quarter; share repurchase authorization of 5 million common shares Listed 2002 Commenced operations from Jordan underwriting energy, property and engineering business 2005 Assigned BBB rating by S&P Commenced underwriting Reinsurance business Assigned A - rating by A.M. Best and BBB+ rating by S&P Established IGI Dubai Established IGI UK - FSA (1) regulated UK subsidiary Commenced underwriting General Casualty (non - US), Directors’ & Officers’, Legal Expenses, Renewable Energy business 2016 - 2018 2006 Established Labuan Branch 2007 Established Bermuda subsidiary Commenced underwriting Financial Lines business Purchased majority shareholding of SR Bishop 2009 Commenced underwriting General Aviation business and Professional Indemnity business Acquired SR Bishop and renamed to North Star AM Best upgrades IGI’s financial strength ratings to A (Excellent) S&P raises IGI’s financial strength rating to A - (Stable) $75mm capital raise $1.1 bn market cap (3) 2012 - 2013 Commenced underwriting Ports & Terminals, and Political Violence business IGI Dubai commences operations as an agency Commenced underwriting Contingency business Established IGI Europe in Malta to access European markets 2021 Ticker: “IGIC” IGI established by insurance industry veteran Wasef Jabsheh in Amman, Jordan, alongside Waleed Jabsheh; $25 million capital base 2001 2010 $25mm capital raise 2022 2008 2019 2015 2020 2023 $41mm capital raise Increased quarterly common share dividend to $0.025; increased share repurchase authorization to 7.5 million common shares Paid special common share dividend of $0.50 per share 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 $710 million capital base (2) 2025 2024

International General Insurance Holdings Ltd. 7 Professional Lines 21% Financial Institutions 2% Marine Liability 1% Energy 21% Property 15% Construction & Engineering 8% Ports & Terminals 5% General Aviation 2% Political Violence 2% Marine Cargo 3% Contingency 5% Treaty Reinsurance 15% $0 $100 $200 $300 $400 $500 $600 $700 $800 2020 2021 2022 2023 2024 2025 Reinsurance Long - Tail Short - Tail Diversification Reduces Volatility in Earnings IGI writes a diversified portfolio of global specialty risks across a wide range of products and geographies producing a consistent and stable source of earnings across market cycles Gross Premiums Written by Line of Business (1) Gross Premiums Written by Financial Reporting Segment Gross Premiums Written by Geography (1) (1) Full year 2025 60% 25% 15% 59% 29% 12% 58% 33% 9% 55% 54% 53% 40% 42% 43% $ Millions United Kingdom 20% Asia 12% Middle East 8% Europe 14% North America 17% Caribbean 3% Central America 4% Africa 4% Worldwide 10% Australasia 3% South America 4% 23% 62% 15% MGA Individual Risk Specialty Treaty Reinsurance Gross Premiums Written by open Market / Facility (1)

International General Insurance Holdings Ltd. 8 Q4 / FY 2025 Financial Results Highlights $16.91 +13.9% increase from December 31, 2024 $127.2 million - 5.9% vs FY2024 → lower u/w income due to lower earned premiums Net Income Q4 FY Combined Ratio Q4 FY 82.0% 4.2 pts higher vs. Q4 2024, which benefitted from 18.3 pts of positive FX movement 85.9% 6.0 pts higher vs FY2024 → FY2025 negatively impacted by 6.0 pts FX movement $32.3 million +7.7% vs Q4 2024 Annualized ROE Book Value per Share Capital Return to Shareholders 18.5% +0.1 pts vs Q4 2024 Q4 FY 18.6% - 4.0pts vs FY2024 Underwriting Income $46.9 million - $1.9m ( - 3.9%) vs Q4 2024; impacted by lower net premiums earned Q4 FY $161.1 million - 14.1% vs FY2024; FY2025 impacted by higher CAT losses, lower net premiums earned and $24.0m of negative FX movement Q4 $10.2 million $2.1m in dividends and $8.1m in share repurchases (344k shares in Q4) $108.1 million $46.2m in common share dividends, including $0.85 special dividend in Q1, and $61.9m in share repurchases FY

International General Insurance Holdings Ltd. 9 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% 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 Reinsurance Long - Tail Short - Tail (1) Represents difference in average combined ratios for the period 2016 – 2025 between IGIC and peers. Peers include: MKL, ACGL, WRB, EG, RNR, HSX, AXS, RLI, BEZ, KNSL, LRE, HG, Lloyd’s of London. Strong Cycle Management $ Millions Consistent Execution of Underwriting Strategy and Cycle Management Demonstrated track record of profitable growth and diversification supported by underwriting discipline and strong cycle management . Specialist underwriting strategy results in a ~4 pt combined ratio advantage (1) relative to industry IGI Combined Ratio

International General Insurance Holdings Ltd. 10 $39.6 $40.5 $61.5 $161.3 $99.0 $66.5 $99.2 $112.3 $125.0 $116.0 $144.0 $127.0 86% 84% 87% 105% 89% 94% 89% 86% 78% 77% 80% 86% $0 $20 $40 $60 $80 $100 $120 $140 $160 $180 '14 '15 '16 '17 '18 '19 '20 '21 '22 '23 '24 '25 Specialist Individual Risk Strategy Protects Capital and Optimizes Profitability Data source : Swiss Re Institute, PCS, Insurance Information Institute, A.M. Best, AON Global Cat Recap, IGI. 2017 Hurricanes Harvey, Irma, Maria Weather Earthquakes / Tsunamis Man - made IGI Combined Ratio Industry Cat Losses $ Billions 2022 Hurricane Ian 2024 Hurricanes Debby, Milton, flooding in Europe, UAE 2025 California wildfires, Hurricane Melissa Underwriting discipline backed by in - depth risk assessment and prudent use of reinsurance has resulted in a demonstrated track record of profitable growth and consistently superior returns in heavy catastrophe loss years

International General Insurance Holdings Ltd. 11 Well - Positioned for Future Total Value Creation Opportunities Global Presence ❖ Growth in U.S. business written from London/Bermuda - specialty treaty reinsurance and short - tail lines; no US liability business ❖ Continued penetration in regional markets across Asia Pacific and MENA - enhanced by additional resources on the ground providing cultural compatibility Capitalize on Market Opportunities Continued Focus on Diversification and Growth Prudent Capital Management ❖ Efficient use of capital, prioritizing profitable growth in underwriting first, then returning capital to shareholders through dividends and share repurchases ❖ Repurchases 2022 – 2025 = 7,843,911; repurchased 343,911 common shares in Q4 2025; utilized 6.9% of new 5m authorization (announced in Q4 2025) ❖ Consistent growth in quarterly common share dividends; ad hoc consideration of extraordinary dividends ❖ Continued growth in regional markets, build out of teams/diversified expertise ❖ Buildout of treaty reinsurance business from London and Bermuda platforms ❖ Presence at Lloyd’s facilitates access to new opportunities, market intel ❖ Single “hub” approach promotes efficiency in decision - making across markets ❖ Continuous evaluation of opportunities to grow/diversify within risk appetite ❖ Steady growth in reinsurance where conditions remain strong, some growth in certain short - tail and long - tail lines where conditions are more competitive ❖ Continued focus on expanding product lines, particularly in regional markets ❖ Demonstrated ability to shift underwriting focus with market opportunities

International General Insurance Holdings Ltd. 12 Balance Sheet Management: Conservative Investment Strategy Investment portfolio managed conservatively to ensure on - going ability to pay claims and improve returns while avoiding undue risk Average Credit Quality: A Duration: 3.6 Years Asset Allocation Total Investment Portfolio Credit Quality Bond Portfolio Total Investment Portfolio of $1.32 Billion As at 12/31/2025 Geographic Diversification Bond Portfolio AAA 2% AA 26% A 61% BBB 11% Non - Investment Grade / Unrated <1% North America 40% UK 11% Europe 19% Australasia 15% Middle East 14% Worldwide 1% Cash & Cash Equivalents 11% Term Deposits 6% Fixed Income Securities 81% Equity Securities 2% Real Estate <1%

International General Insurance Holdings Ltd. 13 45% 51% 2020 2025 Balance Sheet Management: Prudent Reserving Philosophy 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 diversification to short - tail exposures. Cautious view of long - tail exposures; avoid US liability business altogether; average tail is ~6 - 8 years Decrease in level of favourable development 2018 - 2021 reflects the build up of reserves in long - tail lines following significant growth of long - tail portfolio starting in 2017 $27 $23 $9 $6 $6 $16 $42 $39 $37 $36 17% 16% 5% 3% 2% 5% 11% 9% 8% 8% 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Favourable Development / NPE

International General Insurance Holdings Ltd. 14 IFC AIZ PGR KNSL FFH AMSF AFG UVE CB PLMR BRK/B BOW WRB HIG TRV RLI ALL MKL IGIC ACGL SIGI ORI HCI THG EG RNR CNA DFY SAFT EIG LRE FIHL MCY CINF KMPR HMN AXS AIG HG JRVR DGICA GBLI PRA UFCS SPNT WTM GLRE Consistent High - Quality Returns with Lower Volatility 10 - Year Total Value Creation Return on Tangible Equity and Sharpe Ratio 2015 - 2024 Lower Volatility, Higher Returns Higher Volatility, Higher Returns Higher Volatility, Lower Returns Lower Volatility, Lower Returns Source: Dowling Research. Note: The chart represents 10 - year average ROTE and Sharpe ratio. Sharpe ratio is estimated as the difference between 10 Year average ROTE and 10 Year Mean U.S. Treasury, divided by the Company’s ROTE Standard Deviation.

International General Insurance Holdings Ltd. 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 2019 2020 2021 2022 2023 2024 2025 Track Record of Maximizing Total Value Creation Graph 10 Year Average Core Operating ROE 2016 – 2025 : 14.5% 10 Year CAGR* 2016 – 2025: 8.1% Core Operating Return on Average Shareholders’ Equity Public listing on Nasdaq (1) * CAGR = Compound Annual Growth Rate (1) IGI completed a business combination with Tiberius Acquisition Corp. and began trading on Nasdaq on March 18, 2020. As a res ult of the Business Combination, $41 million of capital was raised; in addition, IGI’s total shares outstanding were reduced causing a dilutive impact of approximately 33%. Tangible Book Value Per Share plus Dividends

International General Insurance Holdings Ltd. 16 Commitment to Social Responsibility and Governance 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 communities . Mature governance structure: ❖ Majority independent Board, well - defined committees and charters ❖ Robust corporate policies – subject to regular review ❖ ESG Committee meets quarterly, reports to Executive Committee and Board Sustainability: ❖ ESG Committee progressing sustainability and climate risk initiatives Long standing commitment to Diversity & Inclusion: ❖ Diversified workforce: culture, gender, religion, race, age, etc. ❖ Annual support of Lloyds of London ‘Dive In Festival’ supporting D&I in insurance; designated country lead for future ‘Dive In’ events in Jordan History of community and social support: ❖ Significant investment in support of arts, education, and health initiatives ❖ Culture of participation and giving back to the communities where our people live and work

APPENDIX

International General Insurance Holdings Ltd. 18 Selected Financial Data IFRS U.S. GAAP U.S. GAAP (Unaudited) U.S. GAAP (Unaudited) Year Ended December 31, Year Ended December 31, Twelve Months Ended Dec 31, Quarter ended Dec 31, ($ in mm) 2017 2018 2019 2020 2021 2022 2023 2024 2025 2024 2025 2024 Operating Results: Gross Written Premiums $275.1 $301.6 $349.2 $467.3 $537.2 $582.0 $688.7 $700.1 $666.7 $700.1 $141.2 $174.6 Underwriting Income $23.6 $56.1 $52.0 $77.4 $104.0 $148.6 $183.1 $187.5 $161.1 $187.5 $46.9 $48.8 Core Operating Income $0.3 $29.5 $21.6 $35.6 $53.0 $93.9 $133.8 $144.8 $114.9 $144.8 $34.1 $40.9 Core Operating Return on Equity (1) 0.1% 9.8% 7.0% 10.3% 14.3% 23.7% 28.1% 24.2% 16.8% 24.2% 19.5% 25.0% Key Metrics: Loss Ratio 59.2% 46.5% 54.8% 53.5% 51.4% 41.9% 42.3% 44.7% 47.6% 44.7% 42.1% 43.0% Net policy acquisition expense ratio 24.7% 22.9% 21.1% 19.2% 17.7% 18.7% 16.8% 16.5% 16.9% 16.5% 15.8% 16.6% G&A expense ratio 21.1% 19.3% 18.2% 16.6% 17.3% 17.9% 17.6% 18.7% 21.4% 18.7% 24.1% 18.2% Combined Ratio 105.0% 88.7% 94.1% 89.3% 86.4% 78.5% 76.7% 79.9% 85.9% 79.9% 82.0% 77.8% Financial Position: Investments and Cash Portfolio $489.6 $505.0 $604.7 $775.3 $886.6 $958.8 $1,132.7 $1,292.7 $1,320.7 $1,292.7 $1,320.7 $1,292.7 Debt -- -- -- -- -- -- -- -- -- -- -- -- Shareholders' Equity $301.4 $301.2 $312.1 $381.0 $381.1 $411.0 $540.5 $654.8 $710.2 $654.8 $710.2 $654.8 Book Value per Share -- -- -- $8.39 $8.38 $9.07 $12.40 $14.85 $16.91 $14.85 $16.91 $14.85 Select Ratios: Retention Ratio (NPW / GPW) 58.4% 67.4% 72.2% 72.4% 70.6% 67.5% 72.2% 69.9% 68.6% 69.9% 75.7% 67.9% Premium Leverage (NPE / Shareholders' Equity) (2) 48.7% 60.8% 71.6% 90.8% 94.0% 98.8% 108.8% 89.4% 69.3% 89.4% 68.0% 89.3% Debt - to - Total Capitalization Ratio 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

International General Insurance Holdings Ltd. 19 Summary Income Statement IFRS U.S. GAAP U.S. GAAP U.S. GAAP Year Ended December 31, Year Ended December 31, Twelve Months ended Dec 31, Quarter ended Dec 31, ($ in mm) 2017 2018 2019 2020 2021 2022 2023 2024 2025 2024 2025 2024 Gross Written Premiums $275.1 $301.6 $349.2 $467.3 $537.2 $582.0 688.7 $700.1 $666.7 $700.1 $141.2 $174.6 Ceded Written Premium (114.3) (98.2) (97.1) (128.9) (157.9) (189.2) (191.5) (210.6) (209.1) (210.6) (34.3) (56.0) Net Written Premiums $160.8 $203.4 $252.2 $338.4 $379.3 $392.8 $497.2 $489.5 $457.6 $489.5 $106.9 $118.6 Net Change in Unearned Premiums (14.0) (20.1) (36.6) (54.9) (42.7) (16.4) (50.0) (6.4) (3.8) (6.4) 4.5 2.0 Net Premiums Earned $146.7 $183.3 $215.5 $283.5 $336.6 $376.4 $447.2 $483.1 $453.8 $483.1 $111.4 $120.6 Net Loss and Loss Adjustment Expenses (86.9) (85.3) (118.1) (151.7) (173.0) (157.6) (189.1) (216.1) (215.8) (216.1) (46.9) (51.8) Net Policy Acquisition Expenses (36.2) (42.0) (45.4) (54.4) (59.6) (70.2) (75.0) (79.5) (76.9) (79.5) (17.6) (20.0) Underwriting Income $23.6 $56.1 $52.0 $77.4 $104.0 $148.6 $183.1 $187.5 $161.1 $187.5 $46.9 $48.8 Net Investment Income 13.6 9.4 13.0 8.5 11.0 14.4 50.2 53.9 60.4 53.9 14.6 13.6 General & Administrative Expenses (30.9) (35.4) (39.3) (46.9) (58.2) (67.2) (78.9) (90.4) (97.0) (90.4) (26.8) (22.0) Listing Associated Extraordinary Expenses - - (4.8) (3.4) - - - - - - - - Other Expenses, net (1.8) (1.2) (1.4) (4.4) (2.2) (1.6) (3.7) (4.1) (4.6) (4.1) (1.8) (2.1) Changes in Fair Value of Derivative Financial Liabilities - - - (4.4) 0.7 4.6 (27.3) (4.9) - (4.9) - - Change in allowance for credit losses on receivables - - - - (3.3) (3.2) (2.5) (1.5) (0.8) (1.5) 0.9 0.3 Gain / (Loss) on Foreign Exchange 2.6 (3.4) 5.7 2.5 (3.4) (3.5) 5.1 (8.1) 8.1 (8.1) (3.1) (12.9) Income Before Tax $7.0 $25.6 $25.3 $29.3 $48.6 $92.1 $126.0 $132.4 $127.2 $132.4 $30.7 $25.7 Tax Credit / (Expense) 0.0 (0.1) (1.7) (2.1) (1.8) (2.9) (7.8) 2.8 - 2.8 1.6 4.3 Net Income $7.0 $25.5 $23.6 $27.2 $46.8 $89.2 $118.2 $135.2 $127.2 $135.2 $32.3 $30.0

International General Insurance Holdings Ltd. 20 Reconciliation – Core Operating Earnings (1) Represents a non - GAAP financial measure as the line item balances reported in the “Summary Income Statement” have been adjus ted for the related tax impact. (2) Related to the business combination with Tiberius Acquisition Corp. in March 2020. (3) This expense is included in the ‘Other expenses’ line item in the consolidated income statements. IFRS (Audited) Year Ended December 31, ($ in mm) 2017 2018 2019 2020 Net Income for the period $7.0 $25.5 $23.6 $27.2 Net Realized Losses / (Gains) on Investments (tax adjusted) (3.1) (1.3) (1.0) (0.9) Net Impairment Losses Recognized in Earnings 0.1 0.0 (0.0) - Unrealized Loss (Gain) on Revaluation on Financial Assets (1) - 0.9 (1.6) - Change in Allowance for Credit Losses on Investments - - - 0.3 Unrealized Losses / (Gains) on Investments (tax adjusted) (1) (0.1) - - - Fair Value Losses / (Gains) on investment properties - - 0.3 2.0 Fair value (Gain) / Loss on investment properties held through associates (1.0) 0.9 0.4 1.5 Changes in Fair Value of Derivative Financial Liabilities - - - 4.4 Net Foreign Exchange (Gain) / Loss (Tax Adjusted) (1) (2.6) 3.4 (4.9) (2.3) Listing Associated Extraordinary Expenses (2) - - 4.8 3.4 Core Operating Income $0.3 $29.5 $21.6 $35.6 U.S. GAAP Year Ended December 31, Quarter Ended Dec 31, 2021 2022 2023 2024 2025 2025 2024 Net Income For the Period $46.8 $89.2 $118.2 $135.2 $127.2 $32.3 $30.0 Net realized (gain) loss on investments (tax adjusted) (1) (0.3) 0.7 (6.7) (0.6) (2.1) (0.6) (0.4) Net unrealized (gain) loss on investments (tax adjusted) (1) 3.8 5.4 (2.6) (1.4) (2.9) 0.1 0.7 Change in allowance for credit losses on investments (tax adjusted) (1) 0.1 0.4 (0.4) - (0.2) - - Change in fair value of derivative financial liabilities (0.7) (4.6) 27.3 4.9 - - - Expenses related to conversion of warrants in cash (3) -- -- 1.9 - - - - Net foreign exchange loss (gain) (tax adjusted) (1) 3.3 2.8 (3.9) 6.7 (7.1) 2.3 10.6 Core Operating Income $53.0 $93.9 $133.8 $144.8 $114.9 $34.1 $40.9

International General Insurance Holdings Ltd. 21 Contact Us Investor Inquiries: Robin Sidders Head of Corporate Relations robin.sidders@iginsure.com Ahmad Jabsheh AVP, Corporate Relations ahmad.jabsheh@iginsure.com iginsure.com

FAQ

How did International General Insurance Holdings (IGIC) perform financially in 2025?

International General Insurance earned net income of $127.2 million in 2025, down 5.9% from 2024’s $135.2 million. Higher catastrophe losses and negative foreign exchange effects lifted the combined ratio to 85.9%, but profitability remained solid and the company continued to generate strong operating returns.

What were IGIC’s key underwriting and combined ratio metrics for 2025?

IGIC reported underwriting income of $161.1 million in 2025, a 14.1% decline versus 2024. The full-year combined ratio rose to 85.9%, from 79.9%, as catastrophe losses increased and foreign exchange movements added six percentage points to the ratio, pressuring underwriting margins.

How much premium did IGIC write in 2025 and how did it compare to 2024?

In 2025, IGIC generated $666.7 million of gross written premiums, compared with $700.1 million in 2024. This modest decline reflects disciplined cycle and portfolio management, emphasizing margins over top-line growth across its diversified specialty lines and global geographic footprint.

What happened to IGIC’s book value per share and return on equity in 2025?

Book value per share increased to $16.91 at December 31, 2025, a 13.9% rise from 2024’s $14.85. The company delivered a core operating return on equity of 16.8% for 2025, compared with 24.2% the prior year, still reflecting attractive profitability levels over equity capital.

How much capital did IGIC return to shareholders in 2025?

IGIC returned $108.1 million to shareholders during 2025. This included $46.2 million of common share dividends, featuring a $0.85 special dividend in the first quarter, and $61.9 million of share repurchases, highlighting an active capital management approach alongside profitable underwriting.

What were IGIC’s fourth-quarter 2025 financial highlights?

In Q4 2025, IGIC reported net income of $32.3 million, up 7.7% from Q4 2024. The quarterly combined ratio was 82.0%, 4.2 points higher than the prior year period, which had benefited from 18.3 points of favorable foreign exchange, while underwriting income reached $46.9 million.

What does IGIC’s balance sheet and investment portfolio look like at year-end 2025?

At December 31, 2025, IGIC had a $1.32 billion investment portfolio with average credit quality of A and duration of 3.6 years. The mix is heavily weighted to fixed income, and the company reported zero financial leverage, underlining a conservative capital and balance sheet philosophy.

Filing Exhibits & Attachments

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