Cincinnati Financial Corporation

Supplemental Financial Data

for the period ending June 30, 2026

6200 South Gilmore Road

Fairfield, Ohio 45014-5141

cinfin.com

Investor Contact:			Media Contact:			Shareholder Contact:
Andrew F. Gossard			Betsy E. Ertel			Brandon McIntosh
513-870-2768			513-603-5323			513-870-2696

A.M. Best Company

Fitch Ratings

Moody's Investor Service

S&P Global Ratings

Cincinnati Financial Corporation

Corporate Debt

a

A

A3

BBB+

The Cincinnati Insurance Companies

Insurer Financial Strength

Property Casualty Group

Standard Market Subsidiaries:

A+

AA-

A1

A+

The Cincinnati Insurance Company

A+

AA-

A1

A+

The Cincinnati Indemnity Company

A+

AA-

A1

A+

The Cincinnati Casualty Company

A+

AA-

A1

A+

Surplus Lines Subsidiary:

The Cincinnati Specialty Underwriters Insurance Company

A+

—

—

—

The Cincinnati Life Insurance Company

A+

AA-

—

A+

Ratings are as of July 24, 2026, under continuous review and subject to change and/or affirmation. For the current ratings, select Financial Strength under About on cinfin.com.

The consolidated financial statements and financial exhibits that follow are unaudited. These consolidated financial statements and exhibits should be read in conjunction with the consolidated financial statements and notes included with our periodic filings with the U.S. Securities and Exchange Commission. The results of operations for interim periods may not be indicative of results to be expected for the full year.

CINF Second-Quarter 2026 Supplemental Financial Data

1

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			Cincinnati Financial Corporation
			Supplemental Financial Data
			for the period ending June 30, 2026
						Page
			Definitions of Non-GAAP Information and Reconciliation to Comparable GAAP Measures			3
Consolidated
			CFC and Subsidiaries Consolidation – Six Months Ended June 30, 2026			4
			CFC and Subsidiaries Consolidation – Three Months Ended June 30, 2026			5
Consolidated Property Casualty Insurance Operations
			Losses Incurred Detail			6
			Loss Ratio Detail			7
			Loss Claim Count Detail			8
			Quarterly Property Casualty Data – Commercial Lines			9
			Quarterly Property Casualty Data – Personal Lines and Excess & Surplus Lines			10
			Loss and Loss Expense Analysis – Six Months Ended June 30, 2026			11
			Loss and Loss Expense Analysis – Three Months Ended June 30, 2026			12
Reconciliation Data
			Quarterly Property Casualty Data – Consolidated			13
			Quarterly Property Casualty Data – Commercial Lines			14
			Quarterly Property Casualty Data – Personal Lines			15
			Quarterly Property Casualty Data – Excess & Surplus Lines			16
Statutory Statements of Income
			Consolidated Cincinnati Insurance Companies Statutory Statements of Income			17
			The Cincinnati Life Insurance Company Statutory Statements of Income			18
Other
			Quarterly Data – Other			19

CINF Second-Quarter 2026 Supplemental Financial Data

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Definitions of Non-GAAP Information and

Reconciliation to Comparable GAAP Measures

Cincinnati Financial Corporation prepares its public financial statements in conformity with accounting principles generally accepted in the United States of America (GAAP). Statutory data is prepared in accordance with statutory accounting rules for insurance company regulation in the United States of America as defined by the National Association of Insurance Commissioners’ (NAIC) Accounting Practices and Procedures Manual, and therefore is not reconciled to GAAP data.

Management uses certain non-GAAP financial measures to evaluate its primary business areas – property casualty insurance, life insurance and investments. Management uses these measures when analyzing both GAAP and non-GAAP results to improve its understanding of trends in the underlying business and to help avoid incorrect or misleading assumptions and conclusions about the success or failure of company strategies. Management adjustments to GAAP measures generally: apply to non-recurring events that are unrelated to business performance and distort short-term results; involve values that fluctuate based on events outside of management’s control; supplement reporting segment disclosures with disclosures for a subsidiary company or for a combination of subsidiaries or reporting segments; or relate to accounting refinements that affect comparability between periods, creating a need to analyze data on the same basis.

•Non-GAAP operating income: Non-GAAP operating income is calculated by excluding investment gains and losses (defined as investment gains and losses after applicable federal and state income taxes) and other significant non-recurring items from net income. Management evaluates non-GAAP operating income to measure the success of pricing, rate and underwriting strategies. While investment gains (or losses) are integral to the company’s insurance operations over the long term, the determination to realize investment gains or losses on fixed-maturity securities sold in any period may be subject to management’s discretion and is independent of the insurance underwriting process. Also, under applicable GAAP accounting requirements, gains and losses are recognized from certain changes in market values of securities without actual realization. Management believes that the level of investment gains or losses for any particular period, while it may be material, may not fully indicate the performance of ongoing underlying business operations in that period.

For these reasons, many investors and shareholders consider non-GAAP operating income to be one of the more meaningful measures for evaluating insurance company performance. Equity analysts who report on the insurance industry and the company generally focus on this metric in their analyses. The company presents non-GAAP operating income so that all investors have what management believes to be a useful supplement to GAAP information.

•Consolidated property casualty insurance results: To supplement reporting segment disclosures related to our property casualty insurance operations, we also evaluate results for those operations on a basis that includes results for our property casualty insurance and brokerage services subsidiaries. That is the total of our commercial lines, personal lines and our excess and surplus lines segments plus our reinsurance assumed operations known as Cincinnati Re and our London-based global specialty underwriter known as Cincinnati Global.

•Life insurance subsidiary results: To supplement life insurance reporting segment disclosures related to our life insurance operation, we also evaluate results for that operation on a basis that includes life insurance subsidiary investment income, or investment income plus investment gains and losses, that are also included in our investments reporting segment. We recognize that assets under management, capital appreciation and investment income are integral to evaluating the success of the life insurance segment because of the long duration of life products.

Other Measures

•Value creation ratio: This is a measure of shareholder value creation that management believes captures the contribution of the company’s insurance operations, the success of its investment strategy and the importance placed on paying cash dividends to shareholders. The value creation ratio measure is made up of two primary components: (1) rate of growth in book value per share plus (2) the ratio of dividends declared per share to beginning book value per share. Management believes this measure is useful, providing a meaningful measure of long-term progress in creating shareholder value. It is intended to be all-inclusive regarding changes in book value per share, and uses originally reported book value per share in cases where book value per share has been adjusted, such as adoption of Accounting Standards Updates with a cumulative effect of a change in accounting.

•Statutory accounting rules: For public reporting, insurance companies prepare financial statements in accordance with GAAP. However, insurers also must calculate certain data according to statutory accounting rules for insurance company regulation in the United States of America as defined in the NAIC’s Accounting Practices and Procedures Manual, which may be, and has been, modified by various state insurance departments and differ from GAAP. Statutory data is publicly available, and various organizations use it to calculate aggregate industry data, study industry trends and compare insurance companies.

•Written premium: Under statutory accounting rules in the U.S., property casualty written premium is the amount recorded for policies issued and recognized on an annualized basis at the effective date of the policy. Management analyzes trends in written premium to assess business efforts. The difference between written and earned premium is unearned premium.

CINF Second-Quarter 2026 Supplemental Financial Data

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Cincinnati Financial Corporation and Subsidiaries
Consolidated Statements of Income for the Six Months Ended June 30, 2026
(Dollars in millions)			CFC			CONSOL P&C			CLIC			CFC-I			ELIM			Total
Revenues
Premiums earned:
Property casualty			$	—		$	5,264		$	—		$	—		$	—		$	5,264
Life			—			—			212			—			—			212
Premiums ceded			—			(197)			(40)			—			—			(237)
Total earned premium			—			5,067			172			—			—			5,239
Investment income, net of expenses			66			465			108			—			(2)			637
Investment gains and losses, net			381			859			(1)			—			(1)			1,238
Fee revenues			—			7			3			—			—			10
Other revenues			7			10			—			6			(10)			13
Total revenues			$	454		$	6,408		$	282		$	6		$	(13)		$	7,137
Benefits & expenses
Losses & contract holders' benefits			$	—		$	3,519		$	195		$	—		$	—		$	3,714
Reinsurance recoveries			—			(44)			(32)			—			—			(76)
Underwriting, acquisition and insurance expenses			—			1,502			48			—			—			1,550
Interest expense			26			—			—			2			(1)			27
Other operating expenses			25			5			—			2			(12)			20
Total expenses			$	51		$	4,982		$	211		$	4		$	(13)		$	5,235
Income before income taxes			$	403		$	1,426		$	71		$	2		$	—		$	1,902
Provision (benefit) for income taxes
Current operating income (loss)			$	(9)		$	42		$	20		$	—		$	—		$	53
Capital gains/losses			81			182			—			—			—			263
Deferred			10			52			(5)			—			—			57
Total provision for income taxes			$	82		$	276		$	15		$	—		$	—		$	373
Net income - current year			$	321		$	1,150		$	56		$	2		$	—		$	1,529
Net income - prior year			$	89		$	458		$	47		$	1		$	—		$	595
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding.
Consolidated property casualty data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Second-Quarter 2026 Supplemental Financial Data

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Cincinnati Financial Corporation and Subsidiaries
Consolidated Statements of Income for the Three Months Ended June 30, 2026
(Dollars in millions)			CFC			CONSOL P&C			CLIC			CFC-I			ELIM			Total
Revenues
Premiums earned:
Property casualty			$	—		$	2,649		$	—		$	—		$	—		$	2,649
Life			—			—			107			—			—			107
Premiums ceded			—			(101)			(20)			—			—			(121)
Total earned premium			—			2,548			87			—			—			2,635
Investment income, net of expenses			29			237			54			—			(1)			319
Investment gains and losses, net			508			801			(1)			—			—			1,308
Fee revenues			—			3			2			—			—			5
Other revenues			3			6			—			3			(5)			7
Total revenues			$	540		$	3,595		$	142		$	3		$	(6)		$	4,274
Benefits & expenses
Losses & contract holders' benefits			$	—		$	1,843		$	96		$	—		$	—		$	1,939
Reinsurance recoveries			—			(35)			(17)			—			—			(52)
Underwriting, acquisition and insurance expenses			—			761			25			—			—			786
Interest expense			13			—			—			1			—			14
Other operating expenses			13			3			—			1			(6)			11
Total expenses			$	26		$	2,572		$	104		$	2		$	(6)		$	2,698
Income before income taxes			$	514		$	1,023		$	38		$	1		$	—		$	1,576
Provision (benefit) for income taxes
Current operating income (loss)			$	(62)		$	(44)		$	12		$	—		$	—		$	(94)
Capital gains/losses			107			169			—			—			—			276
Deferred			64			79			(4)			—			—			139
Total provision for income taxes			$	109		$	204		$	8		$	—		$	—		$	321
Net income - current year			$	405		$	819		$	30		$	1		$	—		$	1,255
Net income - prior year			$	159		$	500		$	26		$	—		$	—		$	685
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding.
Consolidated property casualty data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Second-Quarter 2026 Supplemental Financial Data

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Consolidated Property Casualty
Losses Incurred Detail
(Dollars in millions)			Three months ended																								Six months ended						Nine months ended						Twelve months ended
			12/31/26			9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26			12/31/25
Consolidated
Current accident year losses greater than $5 million									$	29		$	8		$	27		$	48		$	15		$	26		$	37		$	41					$	89					$	116
Current accident year losses $2 million - $5 million									55			20			61			35			40			20			75			60						95						156
Large loss prior accident year reserve development									51			50			40			49			27			56			101			83						132						172
Total large losses incurred									$	135		$	78		$	128		$	132		$	82		$	102		$	213		$	184					$	316					$	444
Losses incurred but not reported									288			219			164			158			213			279			507			492						650						814
Other losses excluding catastrophe losses									767			838			786			831			741			688			1,605			1,429						2,260						3,046
Catastrophe losses									359			266			18			83			280			558			625			838						921						939
Total losses incurred									$	1,549		$	1,401		$	1,096		$	1,204		$	1,316		$	1,627		$	2,950		$	2,943					$	4,147					$	5,243
Commercial Lines
Current accident year losses greater than $5 million									$	29		$	—		$	11		$	48		$	5		$	7		$	29		$	12					$	60					$	71
Current accident year losses $2 million - $5 million									33			5			34			12			22			15			38			37						49						83
Large loss prior accident year reserve development									53			35			37			47			14			44			88			58						105						142
Total large losses incurred									$	115		$	40		$	82		$	107		$	41		$	66		$	155		$	107					$	214					$	296
Losses incurred but not reported									104			94			44			67			106			163			198			269						336						380
Other losses excluding catastrophe losses									403			441			408			405			383			318			844			701						1,106						1,514
Catastrophe losses									147			117			5			29			83			40			264			123						152						157
Total losses incurred									$	769		$	692		$	539		$	608		$	613		$	587		$	1,461		$	1,200					$	1,808					$	2,347
Personal Lines
Current accident year losses greater than $5 million									$	—		$	8		$	16		$	—		$	10		$	19		$	8		$	29					$	29					$	45
Current accident year losses $2 million - $5 million									22			15			25			23			18			5			37			23						46						71
Large loss prior accident year reserve development									(2)			15			3			2			13			12			13			25						27						30
Total large losses incurred									$	20		$	38		$	44		$	25		$	41		$	36		$	58		$	77					$	102					$	146
Losses incurred but not reported									77			71			39			32			37			74			148			111						143						182
Other losses excluding catastrophe losses									271			282			298			316			257			254			553			511						827						1,125
Catastrophe losses									190			144			6			54			186			405			334			591						645						651
Total losses incurred									$	558		$	535		$	387		$	427		$	521		$	769		$	1,093		$	1,290					$	1,717					$	2,104
Excess & Surplus Lines
Current accident year losses greater than $5 million									$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—					$	—					$	—
Current accident year losses $2 million - $5 million									—			—			2			—			—			—			—			—						—						2
Large loss prior accident year reserve development									—			—			—			—			—			—			—			—						—						—
Total large losses incurred									$	—		$	—		$	2		$	—		$	—		$	—		$	—		$	—					$	—					$	2
Losses incurred but not reported									57			38			24			16			31			46			95			77						93						117
Other losses excluding catastrophe losses									24			40			48			59			42			24			64			66						125						173
Catastrophe losses									2			1			(1)			—			3			—			3			3						3						2
Total losses incurred									$	83		$	79		$	73		$	75		$	76		$	70		$	162		$	146					$	221					$	294
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. The sum of quarterly amounts may not equal the full year as each is computed independently.
Consolidated property casualty data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Second-Quarter 2026 Supplemental Financial Data

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Consolidated Property Casualty
Loss Ratio Detail
			Three months ended																								Six months ended						Nine months ended						Twelve months ended
			12/31/26			9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26			12/31/25
Consolidated
Current accident year losses greater than $5 million									1.2		%	0.3		%	1.1		%	1.9		%	0.6		%	1.2		%	0.7		%	0.9		%				1.3		%				1.2		%
Current accident year losses $2 million - $5 million									2.1			0.8			2.4			1.4			1.7			0.9			1.5			1.3						1.3						1.6
Large loss prior accident year reserve development									2.0			2.0			1.6			2.0			1.1			2.4			2.0			1.8						1.8						1.8
Total large loss ratio									5.3		%	3.1		%	5.1		%	5.3		%	3.4		%	4.5		%	4.2		%	4.0		%				4.4		%				4.6		%
Losses incurred but not reported									11.3			8.7			6.5			6.4			8.9			12.3			10.0			10.5						9.1						8.4
Other losses excluding catastrophe losses									30.1			33.2			31.4			33.4			30.9			30.4			31.7			30.6						31.6						31.6
Catastrophe losses									14.1			10.6			0.7			3.4			11.7			24.6			12.3			18.0						12.9						9.7
Total loss ratio									60.8		%	55.6		%	43.7		%	48.5		%	54.9		%	71.8		%	58.2		%	63.1		%				58.0		%				54.3		%
Commercial Lines
Current accident year losses greater than $5 million									2.4		%	—		%	0.9		%	3.9		%	0.5		%	0.6		%	1.2		%	0.5		%				1.7		%				1.5		%
Current accident year losses $2 million - $5 million									2.7			0.4			2.7			1.0			1.8			1.2			1.5			1.5						1.3						1.7
Large loss prior accident year reserve development									4.2			2.8			3.0			3.8			1.2			3.8			3.6			2.5						2.9						2.9
Total large loss ratio									9.3		%	3.2		%	6.6		%	8.7		%	3.5		%	5.6		%	6.3		%	4.5		%				5.9		%				6.1		%
Losses incurred but not reported									8.3			7.6			3.6			5.4			8.7			13.9			8.0			11.3						9.3						7.8
Other losses excluding catastrophe losses									32.1			35.5			32.8			33.0			31.6			26.8			33.7			29.3						30.5						31.2
Catastrophe losses									11.7			9.5			0.4			2.4			6.8			3.4			10.6			5.1						4.2						3.2
Total loss ratio									61.4		%	55.8		%	43.4		%	49.5		%	50.6		%	49.7		%	58.6		%	50.2		%				49.9		%				48.3		%
Personal Lines
Current accident year losses greater than $5 million									—		%	0.9		%	1.8		%	—		%	1.3		%	2.8		%	0.4		%	2.0		%				1.3		%				1.4		%
Current accident year losses $2 million - $5 million									2.3			1.8			2.8			2.9			2.2			0.7			2.1			1.5						2.0						2.2
Large loss prior accident year reserve development									(0.2)			1.8			0.4			0.2			1.5			1.8			0.8			1.6						1.1						0.9
Total large loss ratio									2.1		%	4.5		%	5.0		%	3.1		%	5.0		%	5.3		%	3.3		%	5.1		%				4.4		%				4.5		%
Losses incurred but not reported									8.7			8.1			4.5			3.8			4.7			10.5			8.4			7.4						6.1						5.7
Other losses excluding catastrophe losses									31.0			32.3			34.8			37.5			32.0			36.4			31.5			34.1						35.4						35.2
Catastrophe losses									21.6			16.4			0.8			6.5			23.1			57.9			19.1			39.3						27.5						20.4
Total loss ratio									63.4		%	61.3		%	45.1		%	50.9		%	64.8		%	110.1		%	62.3		%	85.9		%				73.4		%				65.8		%
Excess & Surplus Lines
Current accident year losses greater than $5 million									—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%				—		%				—		%
Current accident year losses $2 million - $5 million									—			—			1.1			—			—			—			—			—						—						0.3
Large loss prior accident year reserve development									—			—			(0.1)			—			—			—			—			—						—						—
Total large loss ratio									—		%	—		%	1.0		%	—		%	—		%	—		%	—		%	—		%				—		%				0.3		%
Losses incurred but not reported									30.7			20.8			12.7			9.2			18.1			28.1			25.8			23.0						18.3						16.8
Other losses excluding catastrophe losses									13.2			22.1			26.0			33.6			24.4			14.8			17.6			19.7						24.4						24.8
Catastrophe losses									0.8			0.7			(0.6)			—			1.3			0.2			0.7			0.8						0.5						0.2
Total loss ratio									44.7		%	43.6		%	39.1		%	42.8		%	43.8		%	43.1		%	44.1		%	43.5		%				43.2		%				42.1		%
*Certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts.
Consolidated property casualty data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Second-Quarter 2026 Supplemental Financial Data

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Consolidated Property Casualty
Loss Claim Count Detail
			Three months ended																								Six months ended						Nine months ended						Twelve months ended
			12/31/26			9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26			12/31/25
Consolidated
Current accident year reported losses greater    than $5 million									3			1			3			6			2			3			4			5						12						15
Current accident year reported losses    $2 million - $5 million									19			7			21			17			14			7			26			21						32						53
Prior accident year reported losses on    large losses									10			17			15			11			13			15			27			28						39						54
Non-Catastrophe reported losses on       large losses total									32			25			39			34			29			25			57			54						83						122
Commercial Lines
Current accident year reported losses greater    than $5 million									3			—			2			6			1			1			3			2						9						10
Current accident year reported losses    $2 million - $5 million									11			2			11			9			7			5			13			12						16						28
Prior accident year reported losses on    large losses									9			13			14			11			10			11			22			21						32						46
Non-Catastrophe reported losses on       large losses total									23			15			27			26			18			17			38			35						57						84
Personal Lines
Current accident year reported losses greater    than $5 million									—			1			1			—			1			2			1			3						3						5
Current accident year reported losses    $2 million - $5 million									8			5			9			8			7			2			13			9						16						24
Prior accident year reported losses on    large losses									1			4			1			—			3			4			5			7						7						8
Non-Catastrophe reported losses on       large losses total									9			10			11			8			11			8			19			19						26						37
Excess & Surplus Lines
Current accident year reported losses greater    than $5 million									—			—			—			—			—			—			—			—						—						—
Current accident year reported losses    $2 million - $5 million									—			—			1			—			—			—			—			—						—						1
Prior accident year reported losses on    large losses									—			—			—			—			—			—			—			—						—						—
Non-Catastrophe reported losses on       large losses total									—			—			1			—			—			—			—			—						—						1
*The sum of quarterly amounts may not equal the full year as each is computed independently.

CINF Second-Quarter 2026 Supplemental Financial Data

8

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Quarterly Property Casualty Data - Commercial Lines
(Dollars in millions)			Three months ended																								Six months ended						Nine months ended						Twelve months ended
			12/31/26			9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26			12/31/25
Commercial casualty:
Net written premiums									$	439		$	451		$	394		$	372		$	428		$	443		$	890		$	871					$	1,244					$	1,638
Year over year change %- written premium									3		%	2		%	2		%	2		%	9		%	6		%	2		%	8		%				6		%				5		%
Earned premiums									$	405		$	405		$	409		$	403		$	402		$	387		$	810		$	789					$	1,192					$	1,601
Current accident year before catastrophe losses									76.5		%	77.0		%	86.9		%	74.8		%	72.3		%	72.8		%	76.7		%	72.6		%				73.3		%				76.8		%
Current accident year catastrophe losses									—			—			—			—			—			—			—			—						—						—
Prior accident years before catastrophe losses									3.5			(0.7)			(0.2)			6.0			(0.4)			(0.3)			1.4			(0.4)						1.8						1.3
Prior accident years catastrophe losses									—			—			—			—			—			—			—			—						—						—
Total loss and loss expense ratio									80.0		%	76.3		%	86.7		%	80.8		%	71.9		%	72.5		%	78.1		%	72.2		%				75.1		%				78.1		%
Commercial property:
Net written premiums									$	435		$	427		$	395		$	422		$	428		$	411		$	862		$	839					$	1,260					$	1,655
Year over year change %- written premium									2		%	4		%	3		%	8		%	9		%	14		%	3		%	11		%				10		%				8		%
Earned premiums									$	418		$	415		$	410		$	405		$	399		$	389		$	833		$	787					$	1,192					$	1,602
Current accident year before catastrophe losses									44.9		%	43.8		%	23.9		%	37.2		%	40.2		%	43.5		%	44.3		%	41.8		%				40.2		%				36.0		%
Current accident year catastrophe losses									33.7			28.7			1.6			8.6			21.5			13.3			31.2			17.5						14.5						11.2
Prior accident years before catastrophe losses									(4.5)			(7.0)			(3.6)			(8.2)			(9.5)			(5.3)			(5.7)			(7.4)						(7.7)						(6.7)
Prior accident years catastrophe losses									(0.2)			(0.3)			0.3			(1.2)			(0.6)			(3.6)			(0.2)			(2.1)						(1.8)						(1.2)
Total loss and loss expense ratio									73.9		%	65.2		%	22.2		%	36.4		%	51.6		%	47.9		%	69.6		%	49.8		%				45.2		%				39.3		%
Commercial auto:
Net written premiums									$	292		$	299		$	240		$	243		$	271		$	283		$	591		$	555					$	797					$	1,037
Year over year change %- written premium									8		%	6		%	8		%	9		%	9		%	9		%	6		%	10		%				9		%				9		%
Earned premiums									$	268		$	259		$	258		$	253		$	247		$	241		$	527		$	489					$	742					$	1,000
Current accident year before catastrophe losses									65.0		%	67.7		%	66.5		%	64.7		%	65.0		%	68.6		%	66.3		%	66.8		%				66.1		%				66.2		%
Current accident year catastrophe losses									3.3			0.5			0.1			0.8			0.8			1.8			1.9			1.3						1.1						0.8
Prior accident years before catastrophe losses									1.1			0.7			2.5			4.1			7.2			2.9			1.0			5.1						4.8						4.2
Prior accident years catastrophe losses									—			—			(0.1)			—			(0.1)			(0.1)			—			(0.1)						(0.1)						(0.1)
Total loss and loss expense ratio									69.4		%	68.9		%	69.0		%	69.6		%	72.9		%	73.2		%	69.2		%	73.1		%				71.9		%				71.1		%
Workers' compensation:
Net written premiums									$	54		$	71		$	53		$	56		$	57		$	79		$	125		$	135					$	191					$	244
Year over year change %- written premium									(5)		%	(10)		%	(2)		%	—		%	4		%	—		%	(7)		%	1		%				1		%				—		%
Earned premiums									$	54		$	57		$	61		$	61		$	60		$	61		$	111		$	121					$	181					$	242
Current accident year before catastrophe losses									91.0		%	98.0		%	96.4		%	94.6		%	97.0		%	95.5		%	94.6		%	96.2		%				95.7		%				95.9		%
Current accident year catastrophe losses									—			—			—			—			—			—			—			—						—						—
Prior accident years before catastrophe losses									(27.2)			(15.7)			(32.3)			(28.3)			(27.8)			(18.6)			(21.4)			(23.1)						(24.9)						(26.8)
Prior accident years catastrophe losses									—			—			—			—			—			—			—			—						—						—
Total loss and loss expense ratio									63.8		%	82.3		%	64.1		%	66.3		%	69.2		%	76.9		%	73.2		%	73.1		%				70.8		%				69.1		%
Other commercial:
Net written premiums									$	107		$	111		$	103		$	105		$	106		$	109		$	218		$	215					$	321					$	424
Year over year change %- written premium									1		%	2		%	5		%	(1)		%	6		%	3		%	1		%	4		%				3		%				3		%
Earned premiums									$	106		$	105		$	105		$	107		$	104		$	101		$	211		$	205					$	313					$	418
Current accident year before catastrophe losses									53.6		%	51.9		%	53.6		%	51.1		%	50.5		%	45.8		%	52.8		%	48.2		%				49.2		%				50.3		%
Current accident year catastrophe losses									—			0.1			0.2			—			0.1			0.1			0.1			0.1						—						0.1
Prior accident years before catastrophe losses									0.1			(12.2)			0.5			2.9			(1.5)			(2.2)			(6.0)			(1.8)						(0.2)						—
Prior accident years catastrophe losses									—			0.1			—			—			0.1			—			—			—						—						—
Total loss and loss expense ratio									53.7		%	39.9		%	54.3		%	54.0		%	49.2		%	43.7		%	46.9		%	46.5		%				49.0		%				50.4		%
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed independently.

CINF Second-Quarter 2026 Supplemental Financial Data

9

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Quarterly Property Casualty Data - Personal Lines
(Dollars in millions)			Three months ended																								Six months ended						Nine months ended						Twelve months ended
			12/31/26			9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26			12/31/25
Personal auto:
Net written premiums									$	332		$	275		$	285		$	328		$	333		$	266		$	607		$	599					$	927					$	1,212
Year over year change %- written premium									—		%	3		%	6		%	11		%	18		%	23		%	1		%	20		%				17		%				14		%
Earned premiums									$	304		$	303		$	300		$	295		$	285		$	271		$	606		$	556					$	851					$	1,151
Current accident year before catastrophe losses									68.3		%	69.2		%	68.3		%	67.8		%	67.8		%	71.2		%	68.8		%	69.5		%				68.9		%				68.8		%
Current accident year catastrophe losses									4.5			1.1			0.1			1.1			3.2			3.0			2.8			3.1						2.4						1.8
Prior accident years before catastrophe losses									(1.1)			3.2			1.9			1.9			—			(0.8)			1.0			(0.4)						0.4						0.8
Prior accident years catastrophe losses									—			—			—			—			—			(0.3)			—			(0.2)						(0.1)						(0.1)
Total loss and loss expense ratio									71.7		%	73.5		%	70.3		%	70.8		%	71.0		%	73.1		%	72.6		%	72.0		%				71.6		%				71.3		%
Homeowner:
Net written premiums									$	537		$	406		$	446		$	518		$	532		$	320		$	943		$	852					$	1,370					$	1,816
Year over year change %- written premium									1		%	27		%	13		%	17		%	23		%	6		%	11		%	16		%				16		%				16		%
Earned premiums									$	473		$	469		$	459		$	444		$	425		$	338		$	942		$	763					$	1,208					$	1,667
Current accident year before catastrophe losses									40.6		%	41.1		%	38.1		%	37.6		%	38.8		%	53.4		%	40.8		%	45.2		%				42.4		%				41.2		%
Current accident year catastrophe losses									36.1			30.2			1.8			12.9			44.3			122.5			33.2			79.0						54.7						40.1
Prior accident years before catastrophe losses									(2.5)			(2.8)			0.5			0.9			(3.0)			(2.0)			(2.7)			(2.6)						(1.3)						(0.8)
Prior accident years catastrophe losses									1.5			(0.3)			(0.8)			(1.6)			(3.0)			(3.5)			0.6			(3.2)						(2.6)						(2.1)
Total loss and loss expense ratio									75.7		%	68.2		%	39.6		%	49.8		%	77.1		%	170.4		%	71.9		%	118.4		%				93.2		%				78.4		%
Other personal:
Net written premiums									$	121		$	94		$	96		$	105		$	115		$	86		$	215		$	201					$	306					$	402
Year over year change %- written premium									5		%	9		%	8		%	12		%	12		%	13		%	7		%	12		%				12		%				11		%
Earned premiums									$	103		$	101		$	100		$	99		$	94		$	89		$	205		$	183					$	281					$	381
Current accident year before catastrophe losses									59.2		%	62.0		%	55.5		%	58.8		%	58.3		%	76.2		%	60.6		%	67.0		%				64.2		%				61.9		%
Current accident year catastrophe losses									4.2			4.0			6.3			6.9			6.8			1.1			4.1			4.0						5.0						5.3
Prior accident years before catastrophe losses									(3.5)			(1.0)			14.3			12.5			7.4			3.7			(2.3)			5.6						8.0						9.7
Prior accident years catastrophe losses									(0.2)			(1.0)			—			(0.8)			(0.1)			(0.4)			(0.6)			(0.2)						(0.5)						(0.3)
Total loss and loss expense ratio									59.7		%	64.0		%	76.1		%	77.4		%	72.4		%	80.6		%	61.8		%	76.4		%				76.7		%				76.6		%
Quarterly Property Casualty Data - Excess & Surplus Lines
(Dollars in millions)			Three months ended																								Six months ended						Nine months ended						Twelve months ended
			12/31/26			9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26			12/31/25
Excess & Surplus:
Net written premiums									$	219		$	182		$	184		$	175		$	202		$	168		$	401		$	370					$	545					$	729
Year over year change %- written premium									8		%	8		%	8		%	11		%	12		%	15		%	8		%	13		%				13		%				11		%
Earned premiums									$	189		$	180		$	188		$	174		$	174		$	162		$	369		$	336					$	510					$	698
Current accident year before catastrophe losses									64.6		%	64.6		%	58.4		%	64.1		%	64.9		%	65.6		%	64.6		%	65.2		%				64.8		%				63.1		%
Current accident year catastrophe losses									0.9			1.1			(0.4)			0.2			1.6			0.8			1.0			1.2						0.9						0.5
Prior accident years before catastrophe losses									(2.9)			(4.1)			(0.3)			(2.1)			(2.7)			(5.0)			(3.5)			(3.8)						(3.2)						(2.5)
Prior accident years catastrophe losses									(0.1)			(0.4)			(0.2)			(0.1)			(0.3)			(0.5)			(0.3)			(0.3)						(0.3)						(0.2)
Total loss and loss expense ratio									62.5		%	61.2		%	57.5		%	62.1		%	63.5		%	60.9		%	61.8		%	62.3		%				62.2		%				60.9		%
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed independently.

CINF Second-Quarter 2026 Supplemental Financial Data

10

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Consolidated Property Casualty Loss and Loss Expense Analysis
(Dollars in millions)																								Change in						Change in						Change in						Total																		Loss
						Paid						Paid loss						Total						case						IBNR						loss expense						change in						Case						IBNR						expense						Total
						losses						expense						paid						reserves						reserves						reserves						reserves						incurred						incurred						incurred						incurred
Gross loss and loss expense incurred for the six months ended June 30, 2026
Commercial casualty						$	374					$	102					$	476					$	13					$	94					$	45					$	152					$	387					$	94					$	147					$	628
Commercial property						353						36						389						59						133						10						202						412						133						46						591
Commercial auto						257						43						300						(11)						63						12						64						246						63						55						364
Workers' compensation						61						14						75						8						(10)						7						5						69						(10)						21						80
Other commercial						53						17						70						19						5						9						33						72						5						26						103
Total commercial lines						1,098						212						1,310						88						285						83						456						1,186						285						295						1,766
Personal auto						302						53						355						17						54						16						87						319						54						69						442
Homeowners						462						59						521						21						143						18						182						483						143						77						703
Other personal						74						5						79						11						39						1						51						85						39						6						130
Total personal lines						838						117						955						49						236						35						320						887						236						152						1,275
Excess & surplus lines						89						38						127						(18)						97						28						107						71						97						66						234
Other						161						10						171						(18)						90						1						73						143						90						11						244
Total property casualty						$	2,186					$	377					$	2,563					$	101					$	708					$	147					$	956					$	2,287					$	708					$	524					$	3,519
Ceded loss and loss expense incurred for the six months ended June 30, 2026
Commercial casualty						$	12					$	2					$	14					$	(12)					$	(2)					$	(4)					$	(18)					$	—					$	(2)					$	(2)					$	(4)
Commercial property						3						—						3						5						2						—						7						8						2						—						10
Commercial auto						—						—						—						—						—						—						—						—						—						—						—
Workers' compensation						3						—						3						(2)						(2)						—						(4)						1						(2)						—						(1)
Other commercial						5						1						6						(1)						(1)						—						(2)						4						(1)						1						4
Total commercial lines						23						3						26						(10)						(3)						(4)						(17)						13						(3)						(1)						9
Personal auto						1						—						1						1						—						—						1						2						—						—						2
Homeowners						29						—						29						(14)						9						—						(5)						15						9						—						24
Other personal						3						—						3						1						—						—						1						4						—						—						4
Total personal lines						33						—						33						(12)						9						—						(3)						21						9						—						30
Excess & surplus lines						6						—						6						(2)						2						—						—						4						2						—						6
Other						4						—						4						(11)						6						—						(5)						(7)						6						—						(1)
Total property casualty						$	66					$	3					$	69					$	(35)					$	14					$	(4)					$	(25)					$	31					$	14					$	(1)					$	44
Net loss and loss expense incurred for the six months ended June 30, 2026
Commercial casualty						$	362					$	100					$	462					$	25					$	96					$	49					$	170					$	387					$	96					$	149					$	632
Commercial property						350						36						386						54						131						10						195						404						131						46						581
Commercial auto						257						43						300						(11)						63						12						64						246						63						55						364
Workers' compensation						58						14						72						10						(8)						7						9						68						(8)						21						81
Other commercial						48						16						64						20						6						9						35						68						6						25						99
Total commercial lines						1,075						209						1,284						98						288						87						473						1,173						288						296						1,757
Personal auto						301						53						354						16						54						16						86						317						54						69						440
Homeowners						433						59						492						35						134						18						187						468						134						77						679
Other personal						71						5						76						10						39						1						50						81						39						6						126
Total personal lines						805						117						922						61						227						35						323						866						227						152						1,245
Excess & surplus lines						83						38						121						(16)						95						28						107						67						95						66						228
Other						157						10						167						(7)						84						1						78						150						84						11						245
Total property casualty						$	2,120					$	374					$	2,494					$	136					$	694					$	151					$	981					$	2,256					$	694					$	525					$	3,475
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding.
Other data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Second-Quarter 2026 Supplemental Financial Data

11

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Consolidated Property Casualty Loss and Loss Expense Analysis
(Dollars in millions)																								Change in						Change in						Change in						Total																		Loss
						Paid						Paid loss						Total						case						IBNR						loss expense						change in						Case						IBNR						expense						Total
						losses						expense						paid						reserves						reserves						reserves						reserves						incurred						incurred						incurred						incurred
Gross loss and loss expense incurred for the three months ended June 30, 2026
Commercial casualty						$	155					$	47					$	202					$	50					$	43					$	26					$	119					$	205					$	43					$	73					$	321
Commercial property						198						18						216						54						38						5						97						252						38						23						313
Commercial auto						132						21						153						(10)						36						7						33						122						36						28						186
Workers' compensation						32						7						39						6						(9)						(1)						(4)						38						(9)						6						35
Other commercial						27						12						39						15						7						—						22						42						7						12						61
Total commercial lines						544						105						649						115						115						37						267						659						115						142						916
Personal auto						150						26						176						9						25						10						44						159						25						36						220
Homeowners						263						31						294						1						79						10						90						264						79						41						384
Other personal						43						3						46						(5)						21						1						17						38						21						4						63
Total personal lines						456						60						516						5						125						21						151						461						125						81						667
Excess & surplus lines						52						18						70						(23)						58						16						51						29						58						34						121
Other						81						5						86						(20)						74						(1)						53						61						74						4						139
Total property casualty						$	1,133					$	188					$	1,321					$	77					$	372					$	73					$	522					$	1,210					$	372					$	261					$	1,843
Ceded loss and loss expense incurred for the three months ended June 30, 2026
Commercial casualty						$	(5)					$	—					$	(5)					$	2					$	—					$	—					$	2					$	(3)					$	—					$	—					$	(3)
Commercial property						2						—						2						5						(2)						—						3						7						(2)						—						5
Commercial auto						—						—						—						—						—						—						—						—						—						—						—
Workers' compensation						1						—						1						1						(1)						—						—						2						(1)						—						1
Other commercial						3						1						4						(1)						—						—						(1)						2						—						1						3
Total commercial lines						1						1						2						7						(3)						—						4						8						(3)						1						6
Personal auto						1						—						1						—						—						1						—						1						—						1						2
Homeowners						16						—						16						(6)						17						—						11						10						17						—						27
Other personal						2						—						2						(2)						—						—						(2)						—						—						—						—
Total personal lines						19						—						19						(8)						17						1						9						11						17						1						29
Excess & surplus lines						6						—						6						(3)						—						—						(3)						3						—						—						3
Other						1						—						1						(11)						7						—						(4)						(10)						7						—						(3)
Total property casualty						$	27					$	1					$	28					$	(15)					$	21					$	1					$	6					$	12					$	21					$	2					$	35
Net loss and loss expense incurred for the three months ended June 30, 2026
Commercial casualty						$	160					$	47					$	207					$	48					$	43					$	26					$	117					$	208					$	43					$	73					$	324
Commercial property						196						18						214						49						40						5						94						245						40						23						308
Commercial auto						132						21						153						(10)						36						7						33						122						36						28						186
Workers' compensation						31						7						38						5						(8)						(1)						(4)						36						(8)						6						34
Other commercial						24						11						35						16						7						—						23						40						7						11						58
Total commercial lines						543						104						647						108						118						37						263						651						118						141						910
Personal auto						149						26						175						9						25						9						43						158						25						35						218
Homeowners						247						31						278						7						62						10						79						254						62						41						357
Other personal						41						3						44						(3)						21						1						19						38						21						4						63
Total personal lines						437						60						497						13						108						20						141						450						108						80						638
Excess & surplus lines						46						18						64						(20)						58						16						54						26						58						34						118
Other						80						5						85						(9)						67						(1)						57						71						67						4						142
Total property casualty						$	1,106					$	187					$	1,293					$	92					$	351					$	72					$	515					$	1,198					$	351					$	259					$	1,808
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding.
Other data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Second-Quarter 2026 Supplemental Financial Data

12

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Quarterly Property Casualty Data - Consolidated
(Dollars in millions)			Three months ended																								Six months ended						Nine months ended						Twelve months ended
			12/31/26			9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26			12/31/25
Premiums
Agency renewal written premiums									$	2,254		$	2,045		$	1,939		$	2,037		$	2,135		$	1,912		$	4,299		$	4,047					$	6,084					$	8,023
Agency new business written premiums									353			339			331			356			404			383			692			787						1,143						1,474
Other written premiums									218			284			91			100			194			200			502			394						494						585
Net written premiums									$	2,825		$	2,668		$	2,361		$	2,493		$	2,733		$	2,495		$	5,493		$	5,228					$	7,721					$	10,082
Unearned premium change									(277)			(149)			147			(9)			(336)			(231)			(426)			(567)						(576)						(429)
Earned premiums									$	2,548		$	2,519		$	2,508		$	2,484		$	2,397		$	2,264		$	5,067		$	4,661					$	7,145					$	9,653
Year over year change %
Agency renewal written premiums									6		%	7		%	10		%	13		%	16		%	14		%	6		%	15		%				14		%				13		%
Agency new business written premiums									(13)			(11)			(13)			(12)			(1)			11			(12)			5						(1)						(4)
Other written premiums									12			42			(11)			9			(7)			(9)			27			(8)						(5)						(6)
Net written premiums									3			7			5			9			11			11			5			11						10						9
Paid losses and loss expenses
Losses paid									$	1,106		$	1,014		$	942		$	1,039		$	1,049		$	1,203		$	2,120		$	2,253					$	3,292					$	4,234
Loss expenses paid									187			187			187			178			197			196			374			392						570						757
Loss and loss expenses paid									$	1,293		$	1,201		$	1,129		$	1,217		$	1,246		$	1,399		$	2,494		$	2,645					$	3,862					$	4,991
Incurred losses and loss expenses
Loss and loss expense incurred									$	1,808		$	1,667		$	1,397		$	1,464		$	1,587		$	1,887		$	3,475		$	3,474					$	4,938					$	6,335
Loss and loss expenses paid as a % of incurred									71.5		%	72.0		%	80.8		%	83.1		%	78.5		%	74.1		%	71.8		%	76.1		%				78.2		%				78.8		%
Statutory combined ratio
Loss ratio									60.6		%	56.3		%	43.7		%	49.5		%	55.4		%	72.4		%	58.5		%	63.6		%				58.7		%				54.9		%
Loss adjustment expense ratio									10.4			10.8			12.4			10.9			11.6			11.7			10.6			11.7						11.4						11.6
Net underwriting expense ratio									28.0			28.5			30.2			28.3			26.4			28.2			28.2			27.3						27.6						28.2
US Statutory combined ratio									99.0		%	95.6		%	86.3		%	88.7		%	93.4		%	112.3		%	97.3		%	102.6		%				97.7		%				94.7		%
Contribution from catastrophe losses									14.4			11.0			0.7			4.0			11.9			25.2			12.7			18.4						13.4						10.1
Statutory combined ratio excl. catastrophe losses									84.6		%	84.6		%	85.6		%	84.7		%	81.5		%	87.1		%	84.6		%	84.2		%				84.3		%				84.6		%
GAAP combined ratio
GAAP combined ratio									100.8		%	95.6		%	85.2		%	88.2		%	94.9		%	113.3		%	98.2		%	103.8		%				98.4		%				94.9		%
Contribution from catastrophe losses									14.5			10.8			1.0			3.7			12.2			25.0			12.6			18.4						13.3						10.1
GAAP combined ratio excl. catastrophe losses									86.3		%	84.8		%	84.2		%	84.5		%	82.7		%	88.3		%	85.6		%	85.4		%				85.1		%				84.8		%
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed  independently. *nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies. Statutory ratios exclude the results of Cincinnati Global. Consolidated property casualty data includes the results of Cincinnati Re and Cincinnati Global.

CINF Second-Quarter 2026 Supplemental Financial Data

13

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Quarterly Property Casualty Data - Commercial Lines
(Dollars in millions)			Three months ended																								Six months ended						Nine months ended						Twelve months ended
			12/31/26			9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26			12/31/25
Premiums
Agency renewal written premiums									$	1,146		$	1,184		$	1,039		$	1,043		$	1,116		$	1,152		$	2,330		$	2,268					$	3,311					$	4,350
Agency new business written premiums									208			205			180			185			200			203			413			403						588						768
Other written premiums									(27)			(30)			(34)			(30)			(26)			(30)			(57)			(56)						(86)						(120)
Net written premiums									$	1,327		$	1,359		$	1,185		$	1,198		$	1,290		$	1,325		$	2,686		$	2,615					$	3,813					$	4,998
Unearned premium change									(76)			(118)			58			31			(78)			(146)			(194)			(224)						(193)						(135)
Earned premiums									$	1,251		$	1,241		$	1,243		$	1,229		$	1,212		$	1,179		$	2,492		$	2,391					$	3,620					$	4,863
Year over year change %
Agency renewal written premiums									3		%	3		%	4		%	6		%	9		%	7		%	3		%	8		%				7		%				6		%
Agency new business written premiums									4			1			1			(1)			4			12			2			7						5						4
Other written premiums									(4)			—			8			17			13			14			(2)			14						15						13
Net written premiums									3			3			4			5			9			8			3			9						7						7
Paid losses and loss expenses
Losses paid									$	543		$	533		$	481		$	497		$	493		$	403		$	1,075		$	897					$	1,393					$	1,876
Loss expenses paid									104			105			104			102			110			109			209			218						321						426
Loss and loss expenses paid									$	647		$	638		$	585		$	599		$	603		$	512		$	1,284		$	1,115					$	1,714					$	2,302
Incurred losses and loss expenses
Loss and loss expense incurred									$	910		$	847		$	721		$	747		$	767		$	735		$	1,757		$	1,502					$	2,249					$	2,970
Loss and loss expenses paid as a % of incurred									71.1		%	75.3		%	81.1		%	80.2		%	78.6		%	69.7		%	73.1		%	74.2		%				76.2		%				77.5		%
Statutory combined ratio
Loss ratio									61.5		%	55.8		%	43.4		%	49.5		%	50.7		%	49.7		%	58.6		%	50.2		%				50.0		%				48.2		%
Loss adjustment expense ratio									11.3			12.5			14.5			11.3			12.7			12.6			11.9			12.6						12.2						12.8
Net underwriting expense ratio									29.2			27.7			31.4			30.9			28.3			26.9			28.5			27.6						28.6						29.3
Statutory combined ratio									102.0		%	96.0		%	89.3		%	91.7		%	91.7		%	89.2		%	99.0		%	90.4		%				90.8		%				90.3		%
Contribution from catastrophe losses									11.9			9.6			0.6			2.6			7.0			3.6			10.7			5.4						4.4						3.5
Statutory combined ratio excl. catastrophe losses									90.1		%	86.4		%	88.7		%	89.1		%	84.7		%	85.6		%	88.3		%	85.0		%				86.4		%				86.8		%
GAAP combined ratio
GAAP combined ratio									104.1		%	98.6		%	88.4		%	91.1		%	92.9		%	91.9		%	101.3		%	92.4		%				92.0		%				91.1		%
Contribution from catastrophe losses									11.9			9.6			0.6			2.6			7.0			3.6			10.7			5.4						4.4						3.5
GAAP combined ratio excl. catastrophe losses									92.2		%	89.0		%	87.8		%	88.5		%	85.9		%	88.3		%	90.6		%	87.0		%				87.6		%				87.6		%
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed  independently. *nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies.

CINF Second-Quarter 2026 Supplemental Financial Data

14

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Quarterly Property Casualty Data - Personal Lines
(Dollars in millions)			Three months ended																								Six months ended						Nine months ended						Twelve months ended
			12/31/26			9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26			12/31/25
Premiums
Agency renewal written premiums									$	943		$	726		$	764		$	864		$	866		$	634		$	1,669		$	1,500					$	2,364					$	3,128
Agency new business written premiums									78			76			92			116			141			127			154			268						384						476
Other written premiums									(31)			(27)			(29)			(29)			(27)			(89)			(58)			(116)						(145)						(174)
Net written premiums									$	990		$	775		$	827		$	951		$	980		$	672		$	1,765		$	1,652					$	2,603					$	3,430
Unearned premium change									(110)			98			32			(113)			(176)			26			(12)			(150)						(263)						(231)
Earned premiums									$	880		$	873		$	859		$	838		$	804		$	698		$	1,753		$	1,502					$	2,340					$	3,199
Year over year change %
Agency renewal written premiums									9		%	15		%	22		%	24		%	27		%	28		%	11		%	28		%				26		%				25		%
Agency new business written premiums									(45)			(40)			(40)			(30)			(13)			4			(43)			(6)						(15)						(21)
Other written premiums									(15)			70			(12)			(4)			(8)			(324)			50			(152)						(96)						(74)
Net written premiums									1			15			10			14			20			13			7			17						16						14
Paid losses and loss expenses
Losses paid									$	437		$	368		$	346		$	424		$	446		$	609		$	805		$	1,055					$	1,479					$	1,824
Loss expenses paid									60			57			58			52			63			64			117			127						179						237
Loss and loss expenses paid									$	497		$	425		$	404		$	476		$	509		$	673		$	922		$	1,182					$	1,658					$	2,061
Incurred losses and loss expenses
Loss and loss expense incurred									$	638		$	607		$	468		$	507		$	598		$	846		$	1,245		$	1,444					$	1,951					$	2,419
Loss and loss expenses paid as a % of incurred									77.9		%	70.0		%	86.3		%	93.9		%	85.1		%	79.6		%	74.1		%	81.9		%				85.0		%				85.2		%
Statutory combined ratio
Loss ratio									63.4		%	61.3		%	45.1		%	50.9		%	64.8		%	110.1		%	62.3		%	85.9		%				73.4		%				65.8		%
Loss adjustment expense ratio									9.0			8.2			9.5			9.5			9.6			11.0			8.7			10.3						10.0						9.9
Net underwriting expense ratio									26.5			30.2			28.2			25.9			24.7			31.2			28.1			27.3						26.8						27.1
Statutory combined ratio									98.9		%	99.7		%	82.8		%	86.3		%	99.1		%	152.3		%	99.1		%	123.5		%				110.2		%				102.8		%
Contribution from catastrophe losses									22.2			16.8			1.3			7.1			23.8			58.7			19.5			40.0						28.3						21.0
Statutory combined ratio excl. catastrophe losses									76.7		%	82.9		%	81.5		%	79.2		%	75.3		%	93.6		%	79.6		%	83.5		%				81.9		%				81.8		%
GAAP combined ratio
GAAP combined ratio									99.9		%	96.8		%	81.5		%	88.2		%	102.0		%	151.3		%	98.4		%	124.9		%				111.8		%				103.6		%
Contribution from catastrophe losses									22.2			16.8			1.3			7.1			23.8			58.7			19.5			40.0						28.3						21.0
GAAP combined ratio excl. catastrophe losses									77.7		%	80.0		%	80.2		%	81.1		%	78.2		%	92.6		%	78.9		%	84.9		%				83.5		%				82.6		%
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed  independently. *nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies.

CINF Second-Quarter 2026 Supplemental Financial Data

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Quarterly Property Casualty Data - Excess & Surplus Lines
(Dollars in millions)			Three months ended																								Six months ended						Nine months ended						Twelve months ended
			12/31/26			9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26			12/31/25
Premiums
Agency renewal written premiums									$	165		$	135		$	136		$	130		$	153		$	126		$	300		$	279					$	409					$	545
Agency new business written premiums									67			58			59			55			63			53			125			116						171						230
Other written premiums									(13)			(11)			(11)			(10)			(14)			(11)			(24)			(25)						(35)						(46)
Net written premiums									$	219		$	182		$	184		$	175		$	202		$	168		$	401		$	370					$	545					$	729
Unearned premium change									(30)			(2)			4			(1)			(28)			(6)			(32)			(34)						(35)						(31)
Earned premiums									$	189		$	180		$	188		$	174		$	174		$	162		$	369		$	336					$	510					$	698
Year over year change %
Agency renewal written premiums									8		%	7		%	2		%	15		%	10		%	12		%	8		%	11		%				12		%				9		%
Agency new business written premiums									6			9			20			2			24			26			8			25						16						17
Other written premiums									7			—			—			—			(40)			(22)			4			(32)						(21)						(15)
Net written premiums									8			8			8			11			12			15			8			13						13						11
Paid losses and loss expenses
Losses paid									$	46		$	36		$	43		$	42		$	38		$	40		$	83		$	78					$	121					$	163
Loss expenses paid									18			20			19			19			17			18			38			35						53						72
Loss and loss expenses paid									$	64		$	56		$	62		$	61		$	55		$	58		$	121		$	113					$	174					$	235
Incurred losses and loss expenses
Loss and loss expense incurred									$	118		$	110		$	108		$	108		$	110		$	99		$	228		$	209					$	317					$	425
Loss and loss expenses paid as a % of incurred									54.2		%	50.9		%	57.4		%	56.5		%	50.0		%	58.6		%	53.1		%	54.1		%				54.9		%				55.3		%
Statutory combined ratio
Loss ratio									44.7		%	43.6		%	39.1		%	42.8		%	43.8		%	43.1		%	44.1		%	43.4		%				43.2		%				42.1		%
Loss adjustment expense ratio									17.7			17.6			18.4			19.2			19.7			17.8			17.7			18.8						19.0						18.8
Net underwriting expense ratio									26.3			28.6			27.3			26.6			25.3			25.5			27.4			25.4						25.8						26.2
Statutory combined ratio									88.7		%	89.8		%	84.8		%	88.6		%	88.8		%	86.4		%	89.2		%	87.6		%				88.0		%				87.1		%
Contribution from catastrophe losses									0.8			0.7			(0.6)			0.1			1.3			0.3			0.7			0.9						0.6						0.3
Statutory combined ratio excl. catastrophe losses									87.9		%	89.1		%	85.4		%	88.5		%	87.5		%	86.1		%	88.5		%	86.7		%				87.4		%				86.8		%
GAAP combined ratio
GAAP combined ratio									90.5		%	89.3		%	84.7		%	89.8		%	91.1		%	88.3		%	89.9		%	89.8		%				89.8		%				88.4		%
Contribution from catastrophe losses									0.8			0.7			(0.6)			0.1			1.3			0.3			0.7			0.9						0.6						0.3
GAAP combined ratio excl. catastrophe losses									89.7		%	88.6		%	85.3		%	89.7		%	89.8		%	88.0		%	89.2		%	88.9		%				89.2		%				88.1		%
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed  independently. *nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies.

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Consolidated Cincinnati Insurance Companies
Statutory Statements of Income
			For the Three Months Ended June 30,												For the Six Months Ended June 30,
(Dollars in millions)			2026			2025			Change			% Change			2026			2025			Change			% Change
Underwriting income
Net premiums written			$	2,727		$	2,636		$	91		3			$	5,297		$	5,055		$	242		5
Unearned premium change			254			304			(50)			(16)			378			523			(145)			(28)
Earned premiums			$	2,473		$	2,332		$	141		6			$	4,919		$	4,532		$	387		9
Losses incurred			$	1,497		$	1,291		$	206		16			$	2,876		$	2,883		$	(7)		—
Defense and cost containment expenses incurred			126			139			(13)			(9)			259			265			(6)			(2)
Adjusting and other expenses incurred			132			131			1			1			263			263			—			—
Other underwriting expenses incurred			764			696			68			10			1,495			1,377			118			9
Workers compensation dividend incurred			—			1			(1)			(100)			1			2			(1)			(50)
Total underwriting deductions			$	2,519		$	2,258		$	261		12			$	4,894		$	4,790		$	104		2
Net underwriting profit (loss)			$	(46)		$	74		$	(120)		nm			$	25		$	(258)		$	283		nm
Investment income
Gross investment income earned			$	217		$	195		$	22		11			$	429		$	379		$	50		13
Net investment income earned			213			193			20			10			422			374			48			13
Net realized capital gains and losses, net			269			(7)			276			nm			436			(7)			443			nm
Net investment gains (net of tax)			$	482		$	186		$	296		159			$	858		$	367		$	491		134
Other income			$	1		$	1		$	—		—			$	3		$	3		$	—		—
Net income before federal income taxes			$	437		$	261		$	176		67			$	886		$	112		$	774		691
Federal and foreign income taxes incurred			28			49			(21)			(43)			56			(13)			69			nm
Net income (statutory)			$	409		$	212		$	197		93			$	830		$	125		$	705		564
Policyholders' surplus - statutory			$	10,474		$	8,850		$	1,624		18			$	10,474		$	8,850		$	1,624		18
Fixed maturities at amortized cost - statutory			$	14,763		$	13,037		$	1,726		13			$	14,763		$	13,037		$	1,726		13
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. *nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies.

    

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The Cincinnati Life Insurance Company
Statutory Statements of Income
			For the Three Months Ended June 30,												For the Six Months Ended June 30,
(Dollars in millions)			2026			2025			Change			% Change			2026			2025			Change			% Change
Net premiums written			$	96		$	93		$	3		3			$	183		$	172		$	11		6
Net investment income			55			50			5			10			109			100			9			9
Commissions and expense allowances on reinsurance ceded			1			1			—			—			2			2			—			—
Income from fees associated with separate accounts			2			2			—			—			3			3			—			—
Total revenues			$	154		$	146		$	8		5			$	297		$	277		$	20		7
Death benefits and matured endowments			$	47		$	40		$	7		18			$	96		$	96		$	—		—
Annuity benefits			18			20			(2)			(10)			38			43			(5)			(12)
Disability benefits and benefits under accident and health contracts			1			1			—			—			1			1			—			—
Surrender benefits and group conversions			12			10			2			20			24			20			4			20
Interest and adjustments on deposit-type contract funds			(1)			2			(3)			nm			—			4			(4)			(100)
Increase in aggregate reserves for life and accident and health contracts			5			2			3			150			3			(7)			10			nm
Total benefit expenses			$	82		$	75		$	7		9			$	162		$	157		$	5		3
Commissions			$	13		$	12		$	1		8			$	26		$	24		$	2		8
General insurance expenses and taxes			16			16			—			—			31			31			—			—
Increase in loading on deferred and uncollected premiums			(2)			(1)			(1)			(100)			(1)			2			(3)			nm
Net transfers from separate accounts			(6)			—			(6)			nm			(7)			(8)			1			13
Total underwriting expenses			$	21		$	27		$	(6)		(22)			$	49		$	49		$	—		—
Federal and foreign income taxes incurred			12			11			1			9			19			17			2			12
Net gain from operations before capital gains and losses			$	39		$	33		$	6		18			$	67		$	54		$	13		24
Gains and losses net of capital gains tax, net			(1)			(5)			4			80			(2)			(6)			4			67
Net income (statutory)			$	38		$	28		$	10		36			$	65		$	48		$	17		35
Policyholders' surplus - statutory			$	658		$	556		$	102		18			$	658		$	556		$	102		18
Fixed maturities at amortized cost - statutory			$	3,922		$	3,854		$	68		2			$	3,922		$	3,854		$	68		2
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. *nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies.

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Quarterly Data - Other
(Dollars in millions)			Three months ended																								Six months ended						Nine months ended						Twelve months ended
			12/31/26			9/30/26			6/30/26			3/31/26			12/31/25			9/30/25			6/30/25			3/31/25			6/30/26			6/30/25			9/30/26			9/30/25			12/31/26			12/31/25
Cincinnati Re:
Net written premiums									$	191		$	254		$	86		$	87		$	164		$	255		$	445		$	418					$	505					$	591
Year over year change %- written premium									16		%	—		%	(13)		%	(2)		%	(21)		%	26		%	6		%	2		%				1		%				(1)		%
Earned premiums									$	153		$	152		$	138		$	141		$	142		$	161		$	305		$	303					$	444					$	582
Current accident year before catastrophe losses									47.8		%	46.7		%	52.7		%	52.9		%	56.2		%	46.6		%	47.3		%	51.1		%				51.7		%				51.9		%
Current accident year catastrophe losses									6.1			8.1			(0.8)			3.6			(0.6)			66.3			7.1			34.9						25.0						18.9
Prior accident years before catastrophe losses									3.6			3.2			(5.3)			(0.9)			5.7			(4.5)			3.4			0.3						(0.1)						(1.3)
Prior accident years catastrophe losses									1.3			(6.5)			0.4			(2.1)			(1.2)			(2.4)			(2.6)			(1.8)						(1.9)						(1.4)
Total loss and loss expense ratio									58.8		%	51.5		%	47.0		%	53.5		%	60.1		%	106.0		%	55.2		%	84.5		%				74.7		%				68.1		%
Cincinnati Global:
Net written premiums									$	98		$	98		$	79		$	82		$	97		$	75		$	196		$	173					$	255					$	334
Year over year change %- written premium									1		%	31		%	3		%	6		%	45		%	(9)		%	13		%	16		%				13		%				10		%
Earned premiums									$	75		$	73		$	80		$	102		$	65		$	64		$	148		$	129					$	231					$	311
Current accident year before catastrophe losses									69.1		%	42.5		%	35.6		%	35.1		%	41.8		%	39.3		%	56.1		%	40.6		%				38.2		%				37.5		%
Current accident year catastrophe losses									20.6			2.4			14.3			0.5			3.7			31.4			11.6			17.4						9.9						11.0
Prior accident years before catastrophe losses									(13.0)			(12.0)			(1.7)			(10.1)			(22.4)			(0.2)			(12.5)			(11.4)						(10.8)						(8.5)
Prior accident years catastrophe losses									(6.8)			0.4			(4.0)			(0.1)			17.3			(13.9)			(3.3)			1.8						0.9						(0.3)
Total loss and loss expense ratio									69.9		%	33.3		%	44.2		%	25.4		%	40.4		%	56.6		%	51.9		%	48.4		%				38.2		%				39.7		%
Noninsurance operations:
Interest and fees on loans and leases									$	3		$	3		$	3		$	3		$	2		$	3		$	6		$	5					$	8					$	11
Other revenue									4			3			3			3			3			1			7			4						7						10
Interest expense									14			13			13			13			14			13			27			27						40						53
Operating expenses									11			9			7			6			10			11			20			21						27						34
Total noninsurance operations loss									$	(18)		$	(16)		$	(14)		$	(13)		$	(19)		$	(20)		$	(34)		$	(39)					$	(52)					$	(66)
*Dollar amounts shown are in conformity with GAAP and rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed independently.
*Noninsurance operations include the noninvestment operations of the parent company and a noninsurance subsidiary, CFC Investment Company.

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