Cincinnati Financial Corporation

Supplemental Financial Data

for the period ending September 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 October 23, 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 Third-Quarter 2026 Supplemental Financial Data

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			Cincinnati Financial Corporation
			Supplemental Financial Data
			for the period ending September 30, 2026
						Page
			Definitions of Non-GAAP Information and Reconciliation to Comparable GAAP Measures			3
Consolidated
			CFC and Subsidiaries Consolidation – Nine Months Ended September 30, 2026			4
			CFC and Subsidiaries Consolidation – Three Months Ended September 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 – Nine Months Ended September 30, 2026			11
			Loss and Loss Expense Analysis – Three Months Ended September 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 Third-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 Third-Quarter 2026 Supplemental Financial Data

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Cincinnati Financial Corporation and Subsidiaries
Consolidated Statements of Income for the Nine Months Ended September 30, 2026
(Dollars in millions)			CFC			CONSOL P&C			CLIC			CFC-I			ELIM			Total
Revenues
Premiums earned:
Property casualty			$	—		$	7,981		$	—		$	—		$	—		$	7,981
Life			—			—			318			—			—			318
Premiums ceded			—			(309)			(61)			—			—			(370)
Total earned premium			—			7,672			257			—			—			7,929
Investment income, net of expenses			94			709			161			—			(2)			962
Investment gains and losses, net			470			786			3			—			(1)			1,258
Fee revenues			—			11			5			—			—			16
Other revenues			11			15			—			9			(16)			19
Total revenues			$	575		$	9,193		$	426		$	9		$	(19)		$	10,184
Benefits & expenses
Losses & contract holders' benefits			$	—		$	5,140		$	292		$	—		$	—		$	5,432
Reinsurance recoveries			—			(70)			(49)			—			—			(119)
Underwriting, acquisition and insurance expenses			—			2,276			73			—			—			2,349
Interest expense			39			—			—			2			(2)			39
Other operating expenses			36			6			—			3			(17)			28
Total expenses			$	75		$	7,352		$	316		$	5		$	(19)		$	7,729
Income before income taxes			$	500		$	1,841		$	110		$	4		$	—		$	2,455
Provision (benefit) for income taxes
Current operating income (loss)			$	(28)		$	168		$	28		$	1		$	—		$	169
Capital gains/losses			99			167			1			—			—			267
Deferred			20			17			(6)			—			—			31
Total provision for income taxes			$	91		$	352		$	23		$	1		$	—		$	467
Net income - current year			$	409		$	1,489		$	87		$	3		$	—		$	1,988
Net income - prior year			$	352		$	1,289		$	75		$	1		$	—		$	1,717
*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 Third-Quarter 2026 Supplemental Financial Data

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Cincinnati Financial Corporation and Subsidiaries
Consolidated Statements of Income for the Three Months Ended September 30, 2026
(Dollars in millions)			CFC			CONSOL P&C			CLIC			CFC-I			ELIM			Total
Revenues
Premiums earned:
Property casualty			$	—		$	2,717		$	—		$	—		$	—		$	2,717
Life			—			—			106			—			—			106
Premiums ceded			—			(112)			(21)			—			—			(133)
Total earned premium			—			2,605			85			—			—			2,690
Investment income, net of expenses			28			244			53			—			—			325
Investment gains and losses, net			89			(73)			4			—			—			20
Fee revenues			—			4			2			—			—			6
Other revenues			4			5			—			3			(6)			6
Total revenues			$	121		$	2,785		$	144		$	3		$	(6)		$	3,047
Benefits & expenses
Losses & contract holders' benefits			$	—		$	1,621		$	97		$	—		$	—		$	1,718
Reinsurance recoveries			—			(26)			(17)			—			—			(43)
Underwriting, acquisition and insurance expenses			—			774			25			—			—			799
Interest expense			13			—			—			—			(1)			12
Other operating expenses			11			1			—			1			(5)			8
Total expenses			$	24		$	2,370		$	105		$	1		$	(6)		$	2,494
Income before income taxes			$	97		$	415		$	39		$	2		$	—		$	553
Provision (benefit) for income taxes
Current operating income (loss)			$	(19)		$	126		$	8		$	1		$	—		$	116
Capital gains/losses			18			(15)			1			—			—			4
Deferred			10			(35)			(1)			—			—			(26)
Total provision for income taxes			$	9		$	76		$	8		$	1		$	—		$	94
Net income - current year			$	88		$	339		$	31		$	1		$	—		$	459
Net income - prior year			$	263		$	831		$	28		$	—		$	—		$	1,122
*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.

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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						$	31		$	29		$	8		$	27		$	48		$	15		$	26		$	37		$	41		$	68		$	89					$	116
Current accident year losses $2 million - $5 million						56			55			20			61			35			40			20			75			60			131			95						156
Large loss prior accident year reserve development						(17)			51			50			40			49			27			56			101			83			84			132						172
Total large losses incurred						$	70		$	135		$	78		$	128		$	132		$	82		$	102		$	213		$	184		$	283		$	316					$	444
Losses incurred but not reported						91			288			219			164			158			213			279			507			492			598			650						814
Other losses excluding catastrophe losses						890			767			838			786			831			741			688			1,605			1,429			2,495			2,260						3,046
Catastrophe losses						270			359			266			18			83			280			558			625			838			895			921						939
Total losses incurred						$	1,321		$	1,549		$	1,401		$	1,096		$	1,204		$	1,316		$	1,627		$	2,950		$	2,943		$	4,271		$	4,147					$	5,243
Commercial Lines
Current accident year losses greater than $5 million						$	26		$	29		$	—		$	11		$	48		$	5		$	7		$	29		$	12		$	55		$	60					$	71
Current accident year losses $2 million - $5 million						41			33			5			34			12			22			15			38			37			79			49						83
Large loss prior accident year reserve development						(25)			53			35			37			47			14			44			88			58			63			105						142
Total large losses incurred						$	42		$	115		$	40		$	82		$	107		$	41		$	66		$	155		$	107		$	197		$	214					$	296
Losses incurred but not reported						58			104			94			44			67			106			163			198			269			256			336						380
Other losses excluding catastrophe losses						433			403			441			408			405			383			318			844			701			1,277			1,106						1,514
Catastrophe losses						84			147			117			5			29			83			40			264			123			348			152						157
Total losses incurred						$	617		$	769		$	692		$	539		$	608		$	613		$	587		$	1,461		$	1,200		$	2,078		$	1,808					$	2,347
Personal Lines
Current accident year losses greater than $5 million						$	5		$	—		$	8		$	16		$	—		$	10		$	19		$	8		$	29		$	13		$	29					$	45
Current accident year losses $2 million - $5 million						13			22			15			25			23			18			5			37			23			50			46						71
Large loss prior accident year reserve development						8			(2)			15			3			2			13			12			13			25			21			27						30
Total large losses incurred						$	26		$	20		$	38		$	44		$	25		$	41		$	36		$	58		$	77		$	84		$	102					$	146
Losses incurred but not reported						—			77			71			39			32			37			74			148			111			148			143						182
Other losses excluding catastrophe losses						310			271			282			298			316			257			254			553			511			863			827						1,125
Catastrophe losses						166			190			144			6			54			186			405			334			591			500			645						651
Total losses incurred						$	502		$	558		$	535		$	387		$	427		$	521		$	769		$	1,093		$	1,290		$	1,595		$	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			—			—			—			—			—			2			—						2
Large loss prior accident year reserve development						—			—			—			—			—			—			—			—			—			—			—						—
Total large losses incurred						$	2		$	—		$	—		$	2		$	—		$	—		$	—		$	—		$	—		$	2		$	—					$	2
Losses incurred but not reported						37			57			38			24			16			31			46			95			77			132			93						117
Other losses excluding catastrophe losses						38			24			40			48			59			42			24			64			66			102			125						173
Catastrophe losses						1			2			1			(1)			—			3			—			3			3			4			3						2
Total losses incurred						$	78		$	83		$	79		$	73		$	75		$	76		$	70		$	162		$	146		$	240		$	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 Third-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		%	1.2		%	0.3		%	1.1		%	1.9		%	0.6		%	1.2		%	0.7		%	0.9		%	0.9		%	1.3		%				1.2		%
Current accident year losses $2 million - $5 million						2.2			2.1			0.8			2.4			1.4			1.7			0.9			1.5			1.3			1.7			1.3						1.6
Large loss prior accident year reserve development						(0.7)			2.0			2.0			1.6			2.0			1.1			2.4			2.0			1.8			1.1			1.8						1.8
Total large loss ratio						2.7		%	5.3		%	3.1		%	5.1		%	5.3		%	3.4		%	4.5		%	4.2		%	4.0		%	3.7		%	4.4		%				4.6		%
Losses incurred but not reported						3.5			11.3			8.7			6.5			6.4			8.9			12.3			10.0			10.5			7.8			9.1						8.4
Other losses excluding catastrophe losses						34.1			30.1			33.2			31.4			33.4			30.9			30.4			31.7			30.6			32.5			31.6						31.6
Catastrophe losses						10.4			14.1			10.6			0.7			3.4			11.7			24.6			12.3			18.0			11.7			12.9						9.7
Total loss ratio						50.7		%	60.8		%	55.6		%	43.7		%	48.5		%	54.9		%	71.8		%	58.2		%	63.1		%	55.7		%	58.0		%				54.3		%
Commercial Lines
Current accident year losses greater than $5 million						2.0		%	2.4		%	—		%	0.9		%	3.9		%	0.5		%	0.6		%	1.2		%	0.5		%	1.5		%	1.7		%				1.5		%
Current accident year losses $2 million - $5 million						3.2			2.7			0.4			2.7			1.0			1.8			1.2			1.5			1.5			2.1			1.3						1.7
Large loss prior accident year reserve development						(1.9)			4.2			2.8			3.0			3.8			1.2			3.8			3.6			2.5			1.6			2.9						2.9
Total large loss ratio						3.3		%	9.3		%	3.2		%	6.6		%	8.7		%	3.5		%	5.6		%	6.3		%	4.5		%	5.2		%	5.9		%				6.1		%
Losses incurred but not reported						4.5			8.3			7.6			3.6			5.4			8.7			13.9			8.0			11.3			6.8			9.3						7.8
Other losses excluding catastrophe losses						34.1			32.1			35.5			32.8			33.0			31.6			26.8			33.7			29.3			33.9			30.5						31.2
Catastrophe losses						6.6			11.7			9.5			0.4			2.4			6.8			3.4			10.6			5.1			9.3			4.2						3.2
Total loss ratio						48.5		%	61.4		%	55.8		%	43.4		%	49.5		%	50.6		%	49.7		%	58.6		%	50.2		%	55.2		%	49.9		%				48.3		%
Personal Lines
Current accident year losses greater than $5 million						0.6		%	—		%	0.9		%	1.8		%	—		%	1.3		%	2.8		%	0.4		%	2.0		%	0.5		%	1.3		%				1.4		%
Current accident year losses $2 million - $5 million						1.6			2.3			1.8			2.8			2.9			2.2			0.7			2.1			1.5			1.9			2.0						2.2
Large loss prior accident year reserve development						0.8			(0.2)			1.8			0.4			0.2			1.5			1.8			0.8			1.6			0.8			1.1						0.9
Total large loss ratio						3.0		%	2.1		%	4.5		%	5.0		%	3.1		%	5.0		%	5.3		%	3.3		%	5.1		%	3.2		%	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			5.6			6.1						5.7
Other losses excluding catastrophe losses						34.9			31.0			32.3			34.8			37.5			32.0			36.4			31.5			34.1			32.7			35.4						35.2
Catastrophe losses						18.7			21.6			16.4			0.8			6.5			23.1			57.9			19.1			39.3			18.9			27.5						20.4
Total loss ratio						56.6		%	63.4		%	61.3		%	45.1		%	50.9		%	64.8		%	110.1		%	62.3		%	85.9		%	60.4		%	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			—			—			1.1			—			—			—			—			—			0.3			—						0.3
Large loss prior accident year reserve development						—			—			—			(0.1)			—			—			—			—			—			—			—						—
Total large loss ratio						1.1		%	—		%	—		%	1.0		%	—		%	—		%	—		%	—		%	—		%	0.3		%	—		%				0.3		%
Losses incurred but not reported						19.5			30.7			20.8			12.7			9.2			18.1			28.1			25.8			23.0			23.7			18.3						16.8
Other losses excluding catastrophe losses						20.0			13.2			22.1			26.0			33.6			24.4			14.8			17.6			19.7			18.5			24.4						24.8
Catastrophe losses						1.0			0.8			0.7			(0.6)			—			1.3			0.2			0.7			0.8			0.8			0.5						0.2
Total loss ratio						41.6		%	44.7		%	43.6		%	39.1		%	42.8		%	43.8		%	43.1		%	44.1		%	43.5		%	43.3		%	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 Third-Quarter 2026 Supplemental Financial Data

7

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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						6			3			1			3			6			2			3			4			5			10			12						15
Current accident year reported losses    $2 million - $5 million						21			19			7			21			17			14			7			26			21			47			32						53
Prior accident year reported losses on    large losses						5			10			17			15			11			13			15			27			28			32			39						54
Non-Catastrophe reported losses on       large losses total						32			32			25			39			34			29			25			57			54			89			83						122
Commercial Lines
Current accident year reported losses greater    than $5 million						5			3			—			2			6			1			1			3			2			8			9						10
Current accident year reported losses    $2 million - $5 million						15			11			2			11			9			7			5			13			12			28			16						28
Prior accident year reported losses on    large losses						4			9			13			14			11			10			11			22			21			26			32						46
Non-Catastrophe reported losses on       large losses total						24			23			15			27			26			18			17			38			35			62			57						84
Personal Lines
Current accident year reported losses greater    than $5 million						1			—			1			1			—			1			2			1			3			2			3						5
Current accident year reported losses    $2 million - $5 million						5			8			5			9			8			7			2			13			9			18			16						24
Prior accident year reported losses on    large losses						1			1			4			1			—			3			4			5			7			6			7						8
Non-Catastrophe reported losses on       large losses total						7			9			10			11			8			11			8			19			19			26			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			—			—			—			—			—			1			—						1
Prior accident year reported losses on    large losses						—			—			—			—			—			—			—			—			—			—			—						—
Non-Catastrophe reported losses on       large losses total						1			—			—			1			—			—			—			—			—			1			—						1
*The sum of quarterly amounts may not equal the full year as each is computed independently.

CINF Third-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						$	373		$	439		$	451		$	394		$	372		$	428		$	443		$	890		$	871		$	1,263		$	1,244					$	1,638
Year over year change %- written premium						—		%	3		%	2		%	2		%	2		%	9		%	6		%	2		%	8		%	2		%	6		%				5		%
Earned premiums						$	414		$	405		$	405		$	409		$	403		$	402		$	387		$	810		$	789		$	1,223		$	1,192					$	1,601
Current accident year before catastrophe losses						76.8		%	76.5		%	77.0		%	86.9		%	74.8		%	72.3		%	72.8		%	76.7		%	72.6		%	76.8		%	73.3		%				76.8		%
Current accident year catastrophe losses						—			—			—			—			—			—			—			—			—			—			—						—
Prior accident years before catastrophe losses						(0.3)			3.5			(0.7)			(0.2)			6.0			(0.4)			(0.3)			1.4			(0.4)			0.8			1.8						1.3
Prior accident years catastrophe losses						—			—			—			—			—			—			—			—			—			—			—						—
Total loss and loss expense ratio						76.5		%	80.0		%	76.3		%	86.7		%	80.8		%	71.9		%	72.5		%	78.1		%	72.2		%	77.6		%	75.1		%				78.1		%
Commercial property:
Net written premiums						$	410		$	435		$	427		$	395		$	422		$	428		$	411		$	862		$	839		$	1,272		$	1,260					$	1,655
Year over year change %- written premium						(3)		%	2		%	4		%	3		%	8		%	9		%	14		%	3		%	11		%	1		%	10		%				8		%
Earned premiums						$	423		$	418		$	415		$	410		$	405		$	399		$	389		$	833		$	787		$	1,256		$	1,192					$	1,602
Current accident year before catastrophe losses						32.6		%	44.9		%	43.8		%	23.9		%	37.2		%	40.2		%	43.5		%	44.3		%	41.8		%	40.4		%	40.2		%				36.0		%
Current accident year catastrophe losses						21.2			33.7			28.7			1.6			8.6			21.5			13.3			31.2			17.5			27.8			14.5						11.2
Prior accident years before catastrophe losses						(4.5)			(4.5)			(7.0)			(3.6)			(8.2)			(9.5)			(5.3)			(5.7)			(7.4)			(5.3)			(7.7)						(6.7)
Prior accident years catastrophe losses						(0.7)			(0.2)			(0.3)			0.3			(1.2)			(0.6)			(3.6)			(0.2)			(2.1)			(0.4)			(1.8)						(1.2)
Total loss and loss expense ratio						48.6		%	73.9		%	65.2		%	22.2		%	36.4		%	51.6		%	47.9		%	69.6		%	49.8		%	62.5		%	45.2		%				39.3		%
Commercial auto:
Net written premiums						$	255		$	292		$	299		$	240		$	243		$	271		$	283		$	591		$	555		$	847		$	797					$	1,037
Year over year change %- written premium						5		%	8		%	6		%	8		%	9		%	9		%	9		%	6		%	10		%	6		%	9		%				9		%
Earned premiums						$	270		$	268		$	259		$	258		$	253		$	247		$	241		$	527		$	489		$	797		$	742					$	1,000
Current accident year before catastrophe losses						63.2		%	65.0		%	67.7		%	66.5		%	64.7		%	65.0		%	68.6		%	66.3		%	66.8		%	65.3		%	66.1		%				66.2		%
Current accident year catastrophe losses						0.1			3.3			0.5			0.1			0.8			0.8			1.8			1.9			1.3			1.3			1.1						0.8
Prior accident years before catastrophe losses						0.2			1.1			0.7			2.5			4.1			7.2			2.9			1.0			5.1			0.7			4.8						4.2
Prior accident years catastrophe losses						0.1			—			—			(0.1)			—			(0.1)			(0.1)			—			(0.1)			—			(0.1)						(0.1)
Total loss and loss expense ratio						63.6		%	69.4		%	68.9		%	69.0		%	69.6		%	72.9		%	73.2		%	69.2		%	73.1		%	67.3		%	71.9		%				71.1		%
Workers' compensation:
Net written premiums						$	54		$	54		$	71		$	53		$	56		$	57		$	79		$	125		$	135		$	178		$	191					$	244
Year over year change %- written premium						(4)		%	(5)		%	(10)		%	(2)		%	—		%	4		%	—		%	(7)		%	1		%	(7)		%	1		%				—		%
Earned premiums						$	56		$	54		$	57		$	61		$	61		$	60		$	61		$	111		$	121		$	168		$	181					$	242
Current accident year before catastrophe losses						95.8		%	91.0		%	98.0		%	96.4		%	94.6		%	97.0		%	95.5		%	94.6		%	96.2		%	95.0		%	95.7		%				95.9		%
Current accident year catastrophe losses						—			—			—			—			—			—			—			—			—			—			—						—
Prior accident years before catastrophe losses						(29.3)			(27.2)			(15.7)			(32.3)			(28.3)			(27.8)			(18.6)			(21.4)			(23.1)			(24.1)			(24.9)						(26.8)
Prior accident years catastrophe losses						—			—			—			—			—			—			—			—			—			—			—						—
Total loss and loss expense ratio						66.5		%	63.8		%	82.3		%	64.1		%	66.3		%	69.2		%	76.9		%	73.2		%	73.1		%	70.9		%	70.8		%				69.1		%
Other commercial:
Net written premiums						$	107		$	107		$	111		$	103		$	105		$	106		$	109		$	218		$	215		$	325		$	321					$	424
Year over year change %- written premium						2		%	1		%	2		%	5		%	(1)		%	6		%	3		%	1		%	4		%	1		%	3		%				3		%
Earned premiums						$	107		$	106		$	105		$	105		$	107		$	104		$	101		$	211		$	205		$	318		$	313					$	418
Current accident year before catastrophe losses						52.7		%	53.6		%	51.9		%	53.6		%	51.1		%	50.5		%	45.8		%	52.8		%	48.2		%	52.8		%	49.2		%				50.3		%
Current accident year catastrophe losses						0.1			—			0.1			0.2			—			0.1			0.1			0.1			0.1			0.1			—						0.1
Prior accident years before catastrophe losses						(6.2)			0.1			(12.2)			0.5			2.9			(1.5)			(2.2)			(6.0)			(1.8)			(6.1)			(0.2)						—
Prior accident years catastrophe losses						—			—			0.1			—			—			0.1			—			—			—			—			—						—
Total loss and loss expense ratio						46.6		%	53.7		%	39.9		%	54.3		%	54.0		%	49.2		%	43.7		%	46.9		%	46.5		%	46.8		%	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 Third-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						$	321		$	332		$	275		$	285		$	328		$	333		$	266		$	607		$	599		$	928		$	927					$	1,212
Year over year change %- written premium						(2)		%	—		%	3		%	6		%	11		%	18		%	23		%	1		%	20		%	—		%	17		%				14		%
Earned premiums						$	305		$	304		$	303		$	300		$	295		$	285		$	271		$	606		$	556		$	911		$	851					$	1,151
Current accident year before catastrophe losses						67.8		%	68.3		%	69.2		%	68.3		%	67.8		%	67.8		%	71.2		%	68.8		%	69.5		%	68.4		%	68.9		%				68.8		%
Current accident year catastrophe losses						1.5			4.5			1.1			0.1			1.1			3.2			3.0			2.8			3.1			2.4			2.4						1.8
Prior accident years before catastrophe losses						(0.8)			(1.1)			3.2			1.9			1.9			—			(0.8)			1.0			(0.4)			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						68.5		%	71.7		%	73.5		%	70.3		%	70.8		%	71.0		%	73.1		%	72.6		%	72.0		%	71.2		%	71.6		%				71.3		%
Homeowner:
Net written premiums						$	524		$	537		$	406		$	446		$	518		$	532		$	320		$	943		$	852		$	1,467		$	1,370					$	1,816
Year over year change %- written premium						1		%	1		%	27		%	13		%	17		%	23		%	6		%	11		%	16		%	7		%	16		%				16		%
Earned premiums						$	477		$	473		$	469		$	459		$	444		$	425		$	338		$	942		$	763		$	1,420		$	1,208					$	1,667
Current accident year before catastrophe losses						32.4		%	40.6		%	41.1		%	38.1		%	37.6		%	38.8		%	53.4		%	40.8		%	45.2		%	38.0		%	42.4		%				41.2		%
Current accident year catastrophe losses						35.4			36.1			30.2			1.8			12.9			44.3			122.5			33.2			79.0			33.9			54.7						40.1
Prior accident years before catastrophe losses						(5.4)			(2.5)			(2.8)			0.5			0.9			(3.0)			(2.0)			(2.7)			(2.6)			(3.6)			(1.3)						(0.8)
Prior accident years catastrophe losses						(1.5)			1.5			(0.3)			(0.8)			(1.6)			(3.0)			(3.5)			0.6			(3.2)			(0.1)			(2.6)						(2.1)
Total loss and loss expense ratio						60.9		%	75.7		%	68.2		%	39.6		%	49.8		%	77.1		%	170.4		%	71.9		%	118.4		%	68.2		%	93.2		%				78.4		%
Other personal:
Net written premiums						$	112		$	121		$	94		$	96		$	105		$	115		$	86		$	215		$	201		$	327		$	306					$	402
Year over year change %- written premium						7		%	5		%	9		%	8		%	12		%	12		%	13		%	7		%	12		%	7		%	12		%				11		%
Earned premiums						$	106		$	103		$	101		$	100		$	99		$	94		$	89		$	205		$	183		$	310		$	281					$	381
Current accident year before catastrophe losses						59.9		%	59.2		%	62.0		%	55.5		%	58.8		%	58.3		%	76.2		%	60.6		%	67.0		%	60.3		%	64.2		%				61.9		%
Current accident year catastrophe losses						3.5			4.2			4.0			6.3			6.9			6.8			1.1			4.1			4.0			3.9			5.0						5.3
Prior accident years before catastrophe losses						(3.4)			(3.5)			(1.0)			14.3			12.5			7.4			3.7			(2.3)			5.6			(2.6)			8.0						9.7
Prior accident years catastrophe losses						0.6			(0.2)			(1.0)			—			(0.8)			(0.1)			(0.4)			(0.6)			(0.2)			(0.2)			(0.5)						(0.3)
Total loss and loss expense ratio						60.6		%	59.7		%	64.0		%	76.1		%	77.4		%	72.4		%	80.6		%	61.8		%	76.4		%	61.4		%	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						$	184		$	219		$	182		$	184		$	175		$	202		$	168		$	401		$	370		$	585		$	545					$	729
Year over year change %- written premium						5		%	8		%	8		%	8		%	11		%	12		%	15		%	8		%	13		%	7		%	13		%				11		%
Earned premiums						$	187		$	189		$	180		$	188		$	174		$	174		$	162		$	369		$	336		$	556		$	510					$	698
Current accident year before catastrophe losses						63.8		%	64.6		%	64.6		%	58.4		%	64.1		%	64.9		%	65.6		%	64.6		%	65.2		%	64.3		%	64.8		%				63.1		%
Current accident year catastrophe losses						1.0			0.9			1.1			(0.4)			0.2			1.6			0.8			1.0			1.2			1.0			0.9						0.5
Prior accident years before catastrophe losses						(3.3)			(2.9)			(4.1)			(0.3)			(2.1)			(2.7)			(5.0)			(3.5)			(3.8)			(3.4)			(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)			(0.2)			(0.3)						(0.2)
Total loss and loss expense ratio						61.5		%	62.5		%	61.2		%	57.5		%	62.1		%	63.5		%	60.9		%	61.8		%	62.3		%	61.7		%	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 Third-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 nine months ended September 30, 2026
Commercial casualty						$	500					$	175					$	675					$	37					$	167					$	68					$	272					$	537					$	167					$	243					$	947
Commercial property						563						56						619						81						86						12						179						644						86						68						798
Commercial auto						389						64						453						—						63						21						84						389						63						85						537
Workers' compensation						93						21						114						2						(3)						5						4						95						(3)						26						118
Other commercial						82						23						105						34						2						15						51						116						2						38						156
Total commercial lines						1,627						339						1,966						154						315						121						590						1,781						315						460						2,556
Personal auto						462						75						537						20						70						25						115						482						70						100						652
Homeowners						747						87						834						22						126						18						166						769						126						105						1,000
Other personal						122						7						129						16						47						1						64						138						47						8						193
Total personal lines						1,331						169						1,500						58						243						44						345						1,389						243						213						1,845
Excess & surplus lines						134						60						194						(22)						135						43						156						112						135						103						350
Other						239						17						256						26						103						4						133						265						103						21						389
Total property casualty						$	3,331					$	585					$	3,916					$	216					$	796					$	212					$	1,224					$	3,547					$	796					$	797					$	5,140
Ceded loss and loss expense incurred for the nine months ended September 30, 2026
Commercial casualty						$	13					$	2					$	15					$	(10)					$	(2)					$	(4)					$	(16)					$	3					$	(2)					$	(2)					$	(1)
Commercial property						8						—						8						3						1						—						4						11						1						—						12
Commercial auto						—						—						—						—						—						—						—						—						—						—						—
Workers' compensation						11						—						11						(8)						(3)						—						(11)						3						(3)						—						—
Other commercial						6						1						7						(1)						—						—						(1)						5						—						1						6
Total commercial lines						38						3						41						(16)						(4)						(4)						(24)						22						(4)						(1)						17
Personal auto						2						—						2						—						—						—						—						2						—						—						2
Homeowners						45						—						45						(23)						9						—						(14)						22						9						—						31
Other personal						4						—						4						(1)						—						—						(1)						3						—						—						3
Total personal lines						51						—						51						(24)						9						—						(15)						27						9						—						36
Excess & surplus lines						6						1						7						(2)						3						—						1						4						3						1						8
Other						7						—						7						(5)						7						—						2						2						7						—						9
Total property casualty						$	102					$	4					$	106					$	(47)					$	15					$	(4)					$	(36)					$	55					$	15					$	—					$	70
Net loss and loss expense incurred for the nine months ended September 30, 2026
Commercial casualty						$	487					$	173					$	660					$	47					$	169					$	72					$	288					$	534					$	169					$	245					$	948
Commercial property						555						56						611						78						85						12						175						633						85						68						786
Commercial auto						389						64						453						—						63						21						84						389						63						85						537
Workers' compensation						82						21						103						10						—						5						15						92						—						26						118
Other commercial						76						22						98						35						2						15						52						111						2						37						150
Total commercial lines						1,589						336						1,925						170						319						125						614						1,759						319						461						2,539
Personal auto						460						75						535						20						70						25						115						480						70						100						650
Homeowners						702						87						789						45						117						18						180						747						117						105						969
Other personal						118						7						125						17						47						1						65						135						47						8						190
Total personal lines						1,280						169						1,449						82						234						44						360						1,362						234						213						1,809
Excess & surplus lines						128						59						187						(20)						132						43						155						108						132						102						342
Other						232						17						249						31						96						4						131						263						96						21						380
Total property casualty						$	3,229					$	581					$	3,810					$	263					$	781					$	216					$	1,260					$	3,492					$	781					$	797					$	5,070
*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 Third-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 September 30, 2026
Commercial casualty						$	125					$	74					$	199					$	23					$	73					$	23					$	119					$	148					$	73					$	97					$	318
Commercial property						211						20						231						22						(47)						2						(23)						233						(47)						22						208
Commercial auto						132						20						152						11						—						9						20						143						—						29						172
Workers' compensation						33						7						40						(7)						7						(2)						(2)						26						7						5						38
Other commercial						28						6						34						15						(3)						6						18						43						(3)						12						52
Total commercial lines						529						127						656						64						30						38						132						593						30						165						788
Personal auto						160						22						182						4						15						9						28						164						15						31						210
Homeowners						285						28						313						2						(16)						—						(14)						287						(16)						28						299
Other personal						47						2						49						5						8						—						13						52						8						2						62
Total personal lines						492						52						544						11						7						9						27						503						7						61						571
Excess & surplus lines						45						22						67						(4)						37						15						48						41						37						37						115
Other						79						7						86						44						14						3						61						123						14						10						147
Total property casualty						$	1,145					$	208					$	1,353					$	115					$	88					$	65					$	268					$	1,260					$	88					$	273					$	1,621
Ceded loss and loss expense incurred for the three months ended September 30, 2026
Commercial casualty						$	1					$	—					$	1					$	1					$	—					$	—					$	1					$	2					$	—					$	—					$	2
Commercial property						5						—						5						(3)						(1)						—						(4)						2						(1)						—						1
Commercial auto						—						—						—						—						—						—						—						—						—						—						—
Workers' compensation						8						—						8						(6)						(1)						—						(7)						2						(1)						—						1
Other commercial						1						—						1						—						1						—						1						1						1						—						2
Total commercial lines						15						—						15						(8)						(1)						—						(9)						7						(1)						—						6
Personal auto						1						—						1						—						—						—						—						1						—						—						1
Homeowners						16						—						16						(9)						—						—						(9)						7						—						—						7
Other personal						1						—						1						(2)						—						—						(2)						(1)						—						—						(1)
Total personal lines						18						—						18						(11)						—						—						(11)						7						—						—						7
Excess & surplus lines						—						—						—						—						1						—						1						—						1						—						1
Other						4						—						4						6						2						—						8						10						2						—						12
Total property casualty						$	37					$	—					$	37					$	(13)					$	2					$	—					$	(11)					$	24					$	2					$	—					$	26
Net loss and loss expense incurred for the three months ended September 30, 2026
Commercial casualty						$	124					$	74					$	198					$	22					$	73					$	23					$	118					$	146					$	73					$	97					$	316
Commercial property						206						20						226						25						(46)						2						(19)						231						(46)						22						207
Commercial auto						132						20						152						11						—						9						20						143						—						29						172
Workers' compensation						25						7						32						(1)						8						(2)						5						24						8						5						37
Other commercial						27						6						33						15						(4)						6						17						42						(4)						12						50
Total commercial lines						514						127						641						72						31						38						141						586						31						165						782
Personal auto						159						22						181						4						15						9						28						163						15						31						209
Homeowners						269						28						297						11						(16)						—						(5)						280						(16)						28						292
Other personal						46						2						48						7						8						—						15						53						8						2						63
Total personal lines						474						52						526						22						7						9						38						496						7						61						564
Excess & surplus lines						45						22						67						(4)						36						15						47						41						36						37						114
Other						75						7						82						38						12						3						53						113						12						10						135
Total property casualty						$	1,108					$	208					$	1,316					$	128					$	86					$	65					$	279					$	1,236					$	86					$	273					$	1,595
*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 Third-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						$	2,095		$	2,254		$	2,045		$	1,939		$	2,037		$	2,135		$	1,912		$	4,299		$	4,047		$	6,394		$	6,084					$	8,023
Agency new business written premiums						315			353			339			331			356			404			383			692			787			1,007			1,143						1,474
Other written premiums						140			218			284			91			100			194			200			502			394			642			494						585
Net written premiums						$	2,550		$	2,825		$	2,668		$	2,361		$	2,493		$	2,733		$	2,495		$	5,493		$	5,228		$	8,043		$	7,721					$	10,082
Unearned premium change						55			(277)			(149)			147			(9)			(336)			(231)			(426)			(567)			(371)			(576)						(429)
Earned premiums						$	2,605		$	2,548		$	2,519		$	2,508		$	2,484		$	2,397		$	2,264		$	5,067		$	4,661		$	7,672		$	7,145					$	9,653
Year over year change %
Agency renewal written premiums						3		%	6		%	7		%	10		%	13		%	16		%	14		%	6		%	15		%	5		%	14		%				13		%
Agency new business written premiums						(12)			(13)			(11)			(13)			(12)			(1)			11			(12)			5			(12)			(1)						(4)
Other written premiums						40			12			42			(11)			9			(7)			(9)			27			(8)			30			(5)						(6)
Net written premiums						2			3			7			5			9			11			11			5			11			4			10						9
Paid losses and loss expenses
Losses paid						$	1,108		$	1,106		$	1,014		$	942		$	1,039		$	1,049		$	1,203		$	2,120		$	2,253		$	3,229		$	3,292					$	4,234
Loss expenses paid						208			187			187			187			178			197			196			374			392			581			570						757
Loss and loss expenses paid						$	1,316		$	1,293		$	1,201		$	1,129		$	1,217		$	1,246		$	1,399		$	2,494		$	2,645		$	3,810		$	3,862					$	4,991
Incurred losses and loss expenses
Loss and loss expense incurred						$	1,595		$	1,808		$	1,667		$	1,397		$	1,464		$	1,587		$	1,887		$	3,475		$	3,474		$	5,070		$	4,938					$	6,335
Loss and loss expenses paid as a % of incurred						82.5		%	71.5		%	72.0		%	80.8		%	83.1		%	78.5		%	74.1		%	71.8		%	76.1		%	75.1		%	78.2		%				78.8		%
Statutory combined ratio
Loss ratio						51.5		%	60.6		%	56.3		%	43.7		%	49.5		%	55.4		%	72.4		%	58.5		%	63.6		%	56.2		%	58.7		%				54.9		%
Loss adjustment expense ratio						10.9			10.4			10.8			12.4			10.9			11.6			11.7			10.6			11.7			10.7			11.4						11.6
Net underwriting expense ratio						28.8			28.0			28.5			30.2			28.3			26.4			28.2			28.2			27.3			28.4			27.6						28.2
US Statutory combined ratio						91.2		%	99.0		%	95.6		%	86.3		%	88.7		%	93.4		%	112.3		%	97.3		%	102.6		%	95.3		%	97.7		%				94.7		%
Contribution from catastrophe losses						11.1			14.4			11.0			0.7			4.0			11.9			25.2			12.7			18.4			12.2			13.4						10.1
Statutory combined ratio excl. catastrophe losses						80.1		%	84.6		%	84.6		%	85.6		%	84.7		%	81.5		%	87.1		%	84.6		%	84.2		%	83.1		%	84.3		%				84.6		%
GAAP combined ratio
GAAP combined ratio						90.9		%	100.8		%	95.6		%	85.2		%	88.2		%	94.9		%	113.3		%	98.2		%	103.8		%	95.8		%	98.4		%				94.9		%
Contribution from catastrophe losses						10.7			14.5			10.8			1.0			3.7			12.2			25.0			12.6			18.4			12.0			13.3						10.1
GAAP combined ratio excl. catastrophe losses						80.2		%	86.3		%	84.8		%	84.2		%	84.5		%	82.7		%	88.3		%	85.6		%	85.4		%	83.8		%	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 Third-Quarter 2026 Supplemental Financial Data

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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						$	1,050		$	1,146		$	1,184		$	1,039		$	1,043		$	1,116		$	1,152		$	2,330		$	2,268		$	3,380		$	3,311					$	4,350
Agency new business written premiums						182			208			205			180			185			200			203			413			403			595			588						768
Other written premiums						(33)			(27)			(30)			(34)			(30)			(26)			(30)			(57)			(56)			(90)			(86)						(120)
Net written premiums						$	1,199		$	1,327		$	1,359		$	1,185		$	1,198		$	1,290		$	1,325		$	2,686		$	2,615		$	3,885		$	3,813					$	4,998
Unearned premium change						71			(76)			(118)			58			31			(78)			(146)			(194)			(224)			(123)			(193)						(135)
Earned premiums						$	1,270		$	1,251		$	1,241		$	1,243		$	1,229		$	1,212		$	1,179		$	2,492		$	2,391		$	3,762		$	3,620					$	4,863
Year over year change %
Agency renewal written premiums						1		%	3		%	3		%	4		%	6		%	9		%	7		%	3		%	8		%	2		%	7		%				6		%
Agency new business written premiums						(2)			4			1			1			(1)			4			12			2			7			1			5						4
Other written premiums						(10)			(4)			—			8			17			13			14			(2)			14			(5)			15						13
Net written premiums						—			3			3			4			5			9			8			3			9			2			7						7
Paid losses and loss expenses
Losses paid						$	514		$	543		$	533		$	481		$	497		$	493		$	403		$	1,075		$	897		$	1,589		$	1,393					$	1,876
Loss expenses paid						127			104			105			104			102			110			109			209			218			336			321						426
Loss and loss expenses paid						$	641		$	647		$	638		$	585		$	599		$	603		$	512		$	1,284		$	1,115		$	1,925		$	1,714					$	2,302
Incurred losses and loss expenses
Loss and loss expense incurred						$	782		$	910		$	847		$	721		$	747		$	767		$	735		$	1,757		$	1,502		$	2,539		$	2,249					$	2,970
Loss and loss expenses paid as a % of incurred						82.0		%	71.1		%	75.3		%	81.1		%	80.2		%	78.6		%	69.7		%	73.1		%	74.2		%	75.8		%	76.2		%				77.5		%
Statutory combined ratio
Loss ratio						48.5		%	61.5		%	55.8		%	43.4		%	49.5		%	50.7		%	49.7		%	58.6		%	50.2		%	55.2		%	50.0		%				48.2		%
Loss adjustment expense ratio						13.0			11.3			12.5			14.5			11.3			12.7			12.6			11.9			12.6			12.3			12.2						12.8
Net underwriting expense ratio						31.9			29.2			27.7			31.4			30.9			28.3			26.9			28.5			27.6			29.5			28.6						29.3
Statutory combined ratio						93.4		%	102.0		%	96.0		%	89.3		%	91.7		%	91.7		%	89.2		%	99.0		%	90.4		%	97.0		%	90.8		%				90.3		%
Contribution from catastrophe losses						6.9			11.9			9.6			0.6			2.6			7.0			3.6			10.7			5.4			9.5			4.4						3.5
Statutory combined ratio excl. catastrophe losses						86.5		%	90.1		%	86.4		%	88.7		%	89.1		%	84.7		%	85.6		%	88.3		%	85.0		%	87.5		%	86.4		%				86.8		%
GAAP combined ratio
GAAP combined ratio						92.8		%	104.1		%	98.6		%	88.4		%	91.1		%	92.9		%	91.9		%	101.3		%	92.4		%	98.5		%	92.0		%				91.1		%
Contribution from catastrophe losses						6.9			11.9			9.6			0.6			2.6			7.0			3.6			10.7			5.4			9.5			4.4						3.5
GAAP combined ratio excl. catastrophe losses						85.9		%	92.2		%	89.0		%	87.8		%	88.5		%	85.9		%	88.3		%	90.6		%	87.0		%	89.0		%	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 Third-Quarter 2026 Supplemental Financial Data

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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						$	911		$	943		$	726		$	764		$	864		$	866		$	634		$	1,669		$	1,500		$	2,580		$	2,364					$	3,128
Agency new business written premiums						76			78			76			92			116			141			127			154			268			230			384						476
Other written premiums						(30)			(31)			(27)			(29)			(29)			(27)			(89)			(58)			(116)			(88)			(145)						(174)
Net written premiums						$	957		$	990		$	775		$	827		$	951		$	980		$	672		$	1,765		$	1,652		$	2,722		$	2,603					$	3,430
Unearned premium change						(69)			(110)			98			32			(113)			(176)			26			(12)			(150)			(81)			(263)						(231)
Earned premiums						$	888		$	880		$	873		$	859		$	838		$	804		$	698		$	1,753		$	1,502		$	2,641		$	2,340					$	3,199
Year over year change %
Agency renewal written premiums						5		%	9		%	15		%	22		%	24		%	27		%	28		%	11		%	28		%	9		%	26		%				25		%
Agency new business written premiums						(34)			(45)			(40)			(40)			(30)			(13)			4			(43)			(6)			(40)			(15)						(21)
Other written premiums						(3)			(15)			70			(12)			(4)			(8)			(324)			50			(152)			39			(96)						(74)
Net written premiums						1			1			15			10			14			20			13			7			17			5			16						14
Paid losses and loss expenses
Losses paid						$	474		$	437		$	368		$	346		$	424		$	446		$	609		$	805		$	1,055		$	1,280		$	1,479					$	1,824
Loss expenses paid						52			60			57			58			52			63			64			117			127			169			179						237
Loss and loss expenses paid						$	526		$	497		$	425		$	404		$	476		$	509		$	673		$	922		$	1,182		$	1,449		$	1,658					$	2,061
Incurred losses and loss expenses
Loss and loss expense incurred						$	564		$	638		$	607		$	468		$	507		$	598		$	846		$	1,245		$	1,444		$	1,809		$	1,951					$	2,419
Loss and loss expenses paid as a % of incurred						93.3		%	77.9		%	70.0		%	86.3		%	93.9		%	85.1		%	79.6		%	74.1		%	81.9		%	80.1		%	85.0		%				85.2		%
Statutory combined ratio
Loss ratio						56.6		%	63.4		%	61.3		%	45.1		%	50.9		%	64.8		%	110.1		%	62.3		%	85.9		%	60.4		%	73.4		%				65.8		%
Loss adjustment expense ratio						6.9			9.0			8.2			9.5			9.5			9.6			11.0			8.7			10.3			8.1			10.0						9.9
Net underwriting expense ratio						26.4			26.5			30.2			28.2			25.9			24.7			31.2			28.1			27.3			27.5			26.8						27.1
Statutory combined ratio						89.9		%	98.9		%	99.7		%	82.8		%	86.3		%	99.1		%	152.3		%	99.1		%	123.5		%	96.0		%	110.2		%				102.8		%
Contribution from catastrophe losses						19.2			22.2			16.8			1.3			7.1			23.8			58.7			19.5			40.0			19.4			28.3						21.0
Statutory combined ratio excl. catastrophe losses						70.7		%	76.7		%	82.9		%	81.5		%	79.2		%	75.3		%	93.6		%	79.6		%	83.5		%	76.6		%	81.9		%				81.8		%
GAAP combined ratio
GAAP combined ratio						90.3		%	99.9		%	96.8		%	81.5		%	88.2		%	102.0		%	151.3		%	98.4		%	124.9		%	95.6		%	111.8		%				103.6		%
Contribution from catastrophe losses						19.2			22.2			16.8			1.3			7.1			23.8			58.7			19.5			40.0			19.4			28.3						21.0
GAAP combined ratio excl. catastrophe losses						71.1		%	77.7		%	80.0		%	80.2		%	81.1		%	78.2		%	92.6		%	78.9		%	84.9		%	76.2		%	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.

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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						$	134		$	165		$	135		$	136		$	130		$	153		$	126		$	300		$	279		$	434		$	409					$	545
Agency new business written premiums						57			67			58			59			55			63			53			125			116			182			171						230
Other written premiums						(7)			(13)			(11)			(11)			(10)			(14)			(11)			(24)			(25)			(31)			(35)						(46)
Net written premiums						$	184		$	219		$	182		$	184		$	175		$	202		$	168		$	401		$	370		$	585		$	545					$	729
Unearned premium change						3			(30)			(2)			4			(1)			(28)			(6)			(32)			(34)			(29)			(35)						(31)
Earned premiums						$	187		$	189		$	180		$	188		$	174		$	174		$	162		$	369		$	336		$	556		$	510					$	698
Year over year change %
Agency renewal written premiums						3		%	8		%	7		%	2		%	15		%	10		%	12		%	8		%	11		%	6		%	12		%				9		%
Agency new business written premiums						4			6			9			20			2			24			26			8			25			6			16						17
Other written premiums						30			7			—			—			—			(40)			(22)			4			(32)			11			(21)						(15)
Net written premiums						5			8			8			8			11			12			15			8			13			7			13						11
Paid losses and loss expenses
Losses paid						$	45		$	46		$	36		$	43		$	42		$	38		$	40		$	83		$	78		$	128		$	121					$	163
Loss expenses paid						22			18			20			19			19			17			18			38			35			59			53						72
Loss and loss expenses paid						$	67		$	64		$	56		$	62		$	61		$	55		$	58		$	121		$	113		$	187		$	174					$	235
Incurred losses and loss expenses
Loss and loss expense incurred						$	114		$	118		$	110		$	108		$	108		$	110		$	99		$	228		$	209		$	342		$	317					$	425
Loss and loss expenses paid as a % of incurred						58.8		%	54.2		%	50.9		%	57.4		%	56.5		%	50.0		%	58.6		%	53.1		%	54.1		%	54.7		%	54.9		%				55.3		%
Statutory combined ratio
Loss ratio						41.6		%	44.7		%	43.6		%	39.1		%	42.8		%	43.8		%	43.1		%	44.1		%	43.4		%	43.3		%	43.2		%				42.1		%
Loss adjustment expense ratio						19.9			17.7			17.6			18.4			19.2			19.7			17.8			17.7			18.8			18.5			19.0						18.8
Net underwriting expense ratio						22.2			26.3			28.6			27.3			26.6			25.3			25.5			27.4			25.4			25.7			25.8						26.2
Statutory combined ratio						83.7		%	88.7		%	89.8		%	84.8		%	88.6		%	88.8		%	86.4		%	89.2		%	87.6		%	87.5		%	88.0		%				87.1		%
Contribution from catastrophe losses						1.0			0.8			0.7			(0.6)			0.1			1.3			0.3			0.7			0.9			0.8			0.6						0.3
Statutory combined ratio excl. catastrophe losses						82.7		%	87.9		%	89.1		%	85.4		%	88.5		%	87.5		%	86.1		%	88.5		%	86.7		%	86.7		%	87.4		%				86.8		%
GAAP combined ratio
GAAP combined ratio						89.4		%	90.5		%	89.3		%	84.7		%	89.8		%	91.1		%	88.3		%	89.9		%	89.8		%	89.7		%	89.8		%				88.4		%
Contribution from catastrophe losses						1.0			0.8			0.7			(0.6)			0.1			1.3			0.3			0.7			0.9			0.8			0.6						0.3
GAAP combined ratio excl. catastrophe losses						88.4		%	89.7		%	88.6		%	85.3		%	89.7		%	89.8		%	88.0		%	89.2		%	88.9		%	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 September 30,												For the Nine Months Ended September 30,
(Dollars in millions)			2026			2025			Change			% Change			2026			2025			Change			% Change
Underwriting income
Net premiums written			$	2,457		$	2,411		$	46		2			$	7,754		$	7,466		$	288		4
Unearned premium change			(42)			29			(71)			nm			336			552			(216)			(39)
Earned premiums			$	2,499		$	2,382		$	117		5			$	7,418		$	6,914		$	504		7
Losses incurred			$	1,288		$	1,179		$	109		9			$	4,164		$	4,062		$	102		3
Defense and cost containment expenses incurred			156			126			30			24			415			391			24			6
Adjusting and other expenses incurred			115			133			(18)			(14)			378			396			(18)			(5)
Other underwriting expenses incurred			706			684			22			3			2,201			2,060			141			7
Workers compensation dividend incurred			2			—			2			nm			3			3			—			—
Total underwriting deductions			$	2,267		$	2,122		$	145		7			$	7,161		$	6,912		$	249		4
Net underwriting profit			$	232		$	260		$	(28)		(11)			$	257		$	2		$	255		nm
Investment income
Gross investment income earned			$	223		$	208		$	15		7			$	652		$	587		$	65		11
Net investment income earned			220			204			16			8			642			577			65			11
Net realized capital gains and losses, net			17			32			(15)			(47)			453			26			427			nm
Net investment gains (net of tax)			$	237		$	236		$	1		—			$	1,095		$	603		$	492		82
Other income			$	1		$	2		$	(1)		(50)			$	4		$	5		$	(1)		(20)
Net income before federal income taxes			$	470		$	498		$	(28)		(6)			$	1,356		$	610		$	746		122
Federal and foreign income taxes incurred			81			75			6			8			137			61			76			125
Net income (statutory)			$	389		$	423		$	(34)		(8)			$	1,219		$	549		$	670		122
Policyholders' surplus - statutory			$	10,633		$	9,513		$	1,120		12			$	10,633		$	9,513		$	1,120		12
Fixed maturities at amortized cost - statutory			$	15,668		$	13,311		$	2,357		18			$	15,668		$	13,311		$	2,357		18
*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 September 30,												For the Nine Months Ended September 30,
(Dollars in millions)			2026			2025			Change			% Change			2026			2025			Change			% Change
Net premiums written			$	91		$	91		$	—		—			$	274		$	263		$	11		4
Net investment income			53			50			3			6			162			150			12			8
Commissions and expense allowances on reinsurance ceded			1			1			—			—			3			3			—			—
Income from fees associated with separate accounts			2			2			—			—			5			5			—			—
Total revenues			$	147		$	144		$	3		2			$	444		$	421		$	23		5
Death benefits and matured endowments			$	52		$	36		$	16		44			$	148		$	132		$	16		12
Annuity benefits			16			22			(6)			(27)			54			65			(11)			(17)
Disability benefits and benefits under accident and health contracts			1			1			—			—			2			2			—			—
Surrender benefits and group conversions			9			8			1			13			33			28			5			18
Interest and adjustments on deposit-type contract funds			2			1			1			100			2			5			(3)			(60)
Increase in aggregate reserves for life and accident and health contracts			10			2			8			400			13			(5)			18			nm
Total benefit expenses			$	90		$	70		$	20		29			$	252		$	227		$	25		11
Commissions			$	13		$	13		$	—		—			$	39		$	37		$	2		5
General insurance expenses and taxes			16			14			2			14			47			45			2			4
Increase in loading on deferred and uncollected premiums			(1)			2			(3)			nm			(2)			4			(6)			nm
Net transfers from separate accounts			(8)			(1)			(7)			700			(15)			(9)			(6)			(67)
Total underwriting expenses			$	20		$	28		$	(8)		(29)			$	69		$	77		$	(8)		(10)
Federal and foreign income taxes incurred			9			11			(2)			(18)			28			28			—			—
Net gain from operations before capital gains and losses			$	28		$	35		$	(7)		(20)			$	95		$	89		$	6		7
Gains and losses net of capital gains tax, net			4			2			2			100			2			(4)			6			nm
Net income (statutory)			$	32		$	37		$	(5)		(14)			$	97		$	85		$	12		14
Policyholders' surplus - statutory			$	686		$	588		$	98		17			$	686		$	588		$	98		17
Fixed maturities at amortized cost - statutory			$	3,911		$	3,921		$	(10)		—			$	3,911		$	3,921		$	(10)		—
*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						$	117		$	191		$	254		$	86		$	87		$	164		$	255		$	445		$	418		$	562		$	505					$	591
Year over year change %- written premium						34		%	16		%	—		%	(13)		%	(2)		%	(21)		%	26		%	6		%	2		%	11		%	1		%				(1)		%
Earned premiums						$	154		$	153		$	152		$	138		$	141		$	142		$	161		$	305		$	303		$	459		$	444					$	582
Current accident year before catastrophe losses						54.3		%	47.8		%	46.7		%	52.7		%	52.9		%	56.2		%	46.6		%	47.3		%	51.1		%	49.6		%	51.7		%				51.9		%
Current accident year catastrophe losses						5.5			6.1			8.1			(0.8)			3.6			(0.6)			66.3			7.1			34.9			6.6			25.0						18.9
Prior accident years before catastrophe losses						(0.3)			3.6			3.2			(5.3)			(0.9)			5.7			(4.5)			3.4			0.3			2.2			(0.1)						(1.3)
Prior accident years catastrophe losses						5.0			1.3			(6.5)			0.4			(2.1)			(1.2)			(2.4)			(2.6)			(1.8)			(0.1)			(1.9)						(1.4)
Total loss and loss expense ratio						64.5		%	58.8		%	51.5		%	47.0		%	53.5		%	60.1		%	106.0		%	55.2		%	84.5		%	58.3		%	74.7		%				68.1		%
Cincinnati Global:
Net written premiums						$	93		$	98		$	98		$	79		$	82		$	97		$	75		$	196		$	173		$	289		$	255					$	334
Year over year change %- written premium						13		%	1		%	31		%	3		%	6		%	45		%	(9)		%	13		%	16		%	13		%	13		%				10		%
Earned premiums						$	106		$	75		$	73		$	80		$	102		$	65		$	64		$	148		$	129		$	254		$	231					$	311
Current accident year before catastrophe losses						39.0		%	69.1		%	42.5		%	35.6		%	35.1		%	41.8		%	39.3		%	56.1		%	40.6		%	48.9		%	38.2		%				37.5		%
Current accident year catastrophe losses						4.3			20.6			2.4			14.3			0.5			3.7			31.4			11.6			17.4			8.6			9.9						11.0
Prior accident years before catastrophe losses						(8.5)			(13.0)			(12.0)			(1.7)			(10.1)			(22.4)			(0.2)			(12.5)			(11.4)			(10.8)			(10.8)						(8.5)
Prior accident years catastrophe losses						(1.6)			(6.8)			0.4			(4.0)			(0.1)			17.3			(13.9)			(3.3)			1.8			(2.6)			0.9						(0.3)
Total loss and loss expense ratio						33.2		%	69.9		%	33.3		%	44.2		%	25.4		%	40.4		%	56.6		%	51.9		%	48.4		%	44.1		%	38.2		%				39.7		%
Noninsurance operations:
Interest and fees on loans and leases						$	3		$	3		$	3		$	3		$	3		$	2		$	3		$	6		$	5		$	9		$	8					$	11
Other revenue						3			4			3			3			3			3			1			7			4			10			7						10
Interest expense						12			14			13			13			13			14			13			27			27			39			40						53
Operating expenses						8			11			9			7			6			10			11			20			21			28			27						34
Total noninsurance operations loss						$	(14)		$	(18)		$	(16)		$	(14)		$	(13)		$	(19)		$	(20)		$	(34)		$	(39)		$	(48)		$	(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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