CHUBB $CB Q3’26 EARNINGS HIGHLIGHTS 🔹 P&C Premiums Written: $13.18B (Est. $13.45B) 🔴 🔹 Adj. EPS: $7.66 (Est. $6.81) 🟢; +0.8% YoY 🔹 Core Operating Income: $2.98B; -2.2% YoY 🔹 P&C Combined Ratio: 84.1%; vs 81.8% LY P&C Net Premiums Written by Segment: 🔹 North America Commercial: $5.51B; -2.7% YoY 🔹 North America Personal: $1.91B; +5.3% YoY 🔹 North America Agricultural: $1.53B; +5.1% YoY 🔹 Overseas General: $3.94B; +6.7% YoY 🔹 Global Reinsurance: $287M; -5.6% YoY Other Q3 Metrics: 🔹 P&C Underwriting Income: $2.06B; -8.8% YoY 🔹 CAY Combined Ratio ex-Cat: 82.6%; vs 82.5% LY 🔹 Catastrophe Losses: $705M; vs $285M LY 🔹 Adj. Net Investment Income: $1.89B; +6.3% YoY 🔹 Life Net Premiums Written: $1.96B; +1.4% YoY 🔹 Life Segment Income: $369M; +11.4% YoY 🔹 Core Operating ROE: 14.9% 🔹 Core Operating ROTE: 21.6% 🔹 Net Income: $2.84B; +1.5% YoY 🔹 GAAP EPS: $7.30; +4.4% YoY Capital Return: 🔹 Total Capital Returned: $1.57B 🔹 Buybacks: $1.18B 🔹 Dividends: $393M Key Updates: 🔹 Total pre-tax net catastrophe losses: $705M; vs $285M LY 🔹 Net income to core operating income, net of tax: adjusted net realized (gains) losses, net of tax $94M; integration expenses and severance, net of tax $8M; market risk benefits (gains) losses, net of tax $55M; amortization of deferred tax asset from Bermuda law ($60M); amortization of fair value adjustments, net of tax $39M 🔹 Favorable prior period development: $511M pre-tax, vs $361M LY 🔹 Book value per share: $191.43, +5.1% YoY; tangible book value per share $126.96, +5.7% YoY Comments: 🔸 “I fully expect North America commercial growth to improve in future quarters.”