IRB-Brasil Resseguros (IRBR3) Company presentation summary

Company overview and history

• Leading reinsurer in Brazil with 87 years of history, transitioning from monopoly to privatized corporation.

• Listed on Novo Mercado – B3, recognized for social responsibility and value generation.

• Operates across 9 business lines, holding a leading position in most segments.

• Achieved Great Place to Work certification and maintains strong credit ratings (A-, brAAA, AM Best Excellent).

• Dividend payments reinstated in 2024, with a robust solvency position.

Shareholder structure and leadership

• Free float represents 99.6% of shares, with Bradesco Seguros and Itaú Seguros as significant shareholders.

• Shares held in treasury account for 0.3%, and management holds 0.1%.

• Executive team has extensive experience, led by a CEO with 39 years in the industry.

Underwriting strategy and portfolio

• Retained premiums reached BRL 3.42 billion in LTM 2Q26, with 61% from Brazil, 15% LatAm, and 24% international.

• Portfolio split: 60% life, 20% property & casualty, 9% agriculture, 5% special risks, 6% others.

• Focus on disciplined underwriting, profitability, and risk analysis.