Sagicor Financial Company (SFC) Investor presentation summary

Business overview and market position

• Operates as a diversified insurance and financial services provider across 19 countries, with core offerings in life and health insurance, annuities, pensions, and property and casualty insurance.

• Holds leading market positions: 1st in universal life insurance in Canada, 1st in life, health, and pensions in Jamaica, Barbados, and the Eastern Caribbean, and 2nd in Trinidad and Tobago.

• Over 180 years of history, with strong brands and distribution networks in Canada, the U.S., and the Caribbean.

• Largest segment by assets and net income is the Canadian operation (ivari), acquired in 2023.

Financial performance and growth

• Total assets grew from $8.7 billion at TSX listing (2019) to $24.6 billion by Q3 2025, with comparable earnings up over 130%.

• Core earnings to shareholders reached $183 million LTM Q3 2025; net income $348 million under IFRS 17.

• Revenues primarily from life, health, and annuities, with over 80% of revenues from these lines.

• All major segments (Canada, USA, Jamaica, Caribbean) show strong profitability and capital generation.

Capital strength and risk management

• Maintains a strong capital base: $3.4 billion in loss absorbing capital, $2.7 billion deployable capital, and $1.3 billion net CSM.

• Group LICAT ratio at 141% in Q3 2025, well above regulatory minimums.

• Conservative leverage with a financial leverage ratio of 26.6% in Q3 2025, supported by over $1 billion in net capital raised since 2019.

• Robust enterprise risk management framework with three lines of defense and strong board oversight.