Form 8-K

8-K — Chubb Ltd

Accession: 0001193125-26-310312

Filed: 2026-07-21

Period: 2026-07-21

CIK: 0000896159

SIC: 6331 (FIRE, MARINE & CASUALTY INSURANCE)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — d78544d8k.htm (Primary)

EX-99.1 (d78544dex991.htm)

EX-99.2 (d78544dex992.htm)

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8-K

8-K (Primary)

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8-K

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

Current Report

Pursuant To Section 13 or 15 (d) of the

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) - July 21, 2026

Chubb Limited

(Exact name of registrant as specified in its charter)

Switzerland

1-11778

98-0091805

(State or other jurisdiction of

Incorporation)

(Commission File Number)

(I.R.S. Employer Identification No.)

Baerengasse 32

CH-8001 Zurich, Switzerland

(Address of principal executive offices)

Registrant’s telephone number, including area code: +41 (0)43 456 76 00

Not applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Shares, par value CHF 0.50 per share

New York Stock Exchange

Guarantee of Chubb INA Holdings LLC 0.875% Senior Notes due 2027

CB/27

New York Stock Exchange

Guarantee of Chubb INA Holdings LLC 1.55% Senior Notes due 2028

CB/28

New York Stock Exchange

Guarantee of Chubb INA Holdings LLC 0.875% Senior Notes due 2029

CB/29A

New York Stock Exchange

Guarantee of Chubb INA Holdings LLC 1.40% Senior Notes due 2031

CB/31

New York Stock Exchange

Guarantee of Chubb INA Holdings LLC 2.50% Senior Notes due 2038

CB/38A

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02.

Results of Operations and Financial Condition

On July 21, 2026, Chubb Limited issued a Press Release reporting its second quarter 2026 results and the availability of its second quarter 2026 Financial Supplement. The Press Release and the Financial Supplement are attached hereto as Exhibit 99.1 and Exhibit 99.2, respectively, and are incorporated herein by reference.

The information furnished pursuant to this Item 2.02, including Exhibit 99.1 and Exhibit 99.2, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933 or the Exchange Act.

Item 9.01.

Financial Statements and Exhibits

(d) Exhibits

Exhibit

Number

Description

99.1

Press Release, Dated July 21, 2026, Reporting Second Quarter 2026 Results

99.2

Second Quarter 2026 Financial Supplement

104

Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Chubb Limited

By:

/s/ Peter Enns

Peter Enns

Executive Vice President and Chief Financial Officer

DATE: July 21, 2026

EX-99.1

Filename: d78544dex991.htm · Sequence: 2

EX-99.1

Exhibit 99.1

Chubb Limited

Bärengasse 32

CH-8001 Zurich

Switzerland

www.chubb.com

@Chubb

News Release

Chubb Reports Second Quarter Per Share Net Income of $7.30 and

Per Share Core Operating Income of $7.26, Up 18.2%; Consolidated

Net Premiums Written of $14.7 Billion, Up 3.6%, with P&C and Life

Insurance Up 3.0% and 7.5%; P&C Combined Ratio of 83.8%

●

Net income was $2.85 billion versus $2.97 billion prior year, and core operating income was

$2.84 billion, up 14.6%.

●

P&C net premiums written were $12.77 billion, up 3.0%, or 6.3% excluding large account and E&S

property.

●

North America Commercial was down 2.3%.

●

Middle market and small commercial was up 8.9%.

●

Major accounts and specialty was down 9.0% due to underwriting actions on property, and up 0.4% excluding large

account and E&S property.

●

North America Personal was up 6.0%.

●

North America Agriculture was up 6.0%.

●

Overseas General was up 10.2%, or 4.8% in constant dollars. Consumer insurance was up 12.1% and commercial

insurance was up 8.8%; Latin America, Asia and Europe were up 15.6%, 12.0% and 5.1%, respectively.

●

P&C underwriting income was $1.94 billion, up 18.8%, with a combined ratio of 83.8%. P&C current

accident year underwriting income excluding catastrophe losses was $2.13 billion, up 5.8%, with a combined ratio of 82.2%.

●

Total pre-tax net catastrophe losses were $475 million compared with

$630 million in the prior year.

●

Total pre-tax favorable prior period development was $283 million

compared with $249 million in the prior year.

●

Life Insurance net premiums written were $1.94 billion, up 7.5%, and segment income was $332 million,

up 9.0%, with International Life income up 13.0%. Life Insurance net premiums written and deposits collected were $2.65 billion, up 14.4%.

●

Pre-tax net investment income was $1.76 billion, up 12.3%, and

adjusted net investment income was $1.88 billion, up 11.4%. Both were records.

●

Annualized return on equity (ROE) was 15.3%. Annualized core operating return on tangible equity (ROTE) was 21.2%

and annualized core operating ROE was 14.5%.

Chubb®, Chubb logo® and Chubb. Insured.SM are trademarks of

Chubb.

Chubb Limited News Release

ZURICH – July 21, 2026 – Chubb Limited (NYSE: CB) today reported net income for the quarter ended June 30, 2026 of

$2.85 billion, or $7.30 per share, and core operating income of $2.84 billion, or $7.26 per share. Book value per share and tangible book value per share increased 12.3% and 17.1%, respectively, from June 30, 2025 and now stand at

$195.45 and $131.93. For the last three months, book value was favorably impacted by after-tax net realized and unrealized gains of $388 million in Chubb’s investment portfolio, partially offset by

$254 million of foreign currency losses. Book value per share and tangible book value per share excluding AOCI increased 11.4% and 15.8%, from June 30, 2025.

Chubb Limited

Second Quarter Summary

(in millions of U.S. dollars, except per share amounts and ratios)

(Unaudited)

(Per Share)

2026

2025

Change

2026

2025

Change

Net income

$2,854

$2,968

(3.8)%

$7.30

$7.35

(0.7)%

Adjusted net realized (gains) losses and other,

net of tax

(47)

(539)

(91.3)%

(0.13)

(1.33)

(90.2)%

Integration expenses and severance, net of tax

0.02

Market risk benefits (gains) losses, net of tax

(4)

(0.01)

0.04

Amortization of deferred tax asset from Bermuda law

(2.9)%

0.08

Core operating income, net of tax

$2,842

$2,480

14.6%

$7.26

$6.14

18.2%

Annualized return on equity (ROE)

15.3%

17.6%

Core operating return on tangible equity (ROTE)

21.2%

21.0%

Core operating ROE

14.5%

13.9%

For the six months ended June 30, 2026, net income was $5.17 billion, or $13.17 per share, and core operating income

was $5.53 billion, or $14.07 per share. Book value per share and tangible book value per share increased by 3.6% and 4.5%, from December 31, 2025. For the last six months, book value was unfavorably impacted by

after-tax net realized and unrealized losses of $1.55 billion in Chubb’s investment portfolio, partially offset by $92 million of foreign currency gains. Book value per share and tangible book

value per share excluding AOCI increased 4.7% and 6.4%, from December 31, 2025.

Chubb®, Chubb logo® and Chubb. Insured.SM are trademarks of

Chubb.

Chubb Limited News Release

Chubb Limited

Six Months Ended Summary

(in millions of U.S. dollars, except per share amounts and ratios)

(Unaudited)

(Per Share)

2026

2025

Change

2026

2025

Change

Net income

$5,174

$4,299

20.4%

$13.17

$10.63

23.9%

Adjusted net realized (gains) losses and other,

net of tax

296

(480)

0.75

(1.18)

Integration expenses and severance, net of tax

0.03

Market risk benefits (gains) losses, net of tax

(16)

(0.04)

0.23

Amortization of deferred tax asset from Bermuda law

16.4%

0.16

0.14

14.3%

Core operating income, net of tax

$5,531

$3,969

39.4%

$14.07

$9.82

43.3%

Annualized return on equity (ROE)

13.9%

12.9%

Core operating return on tangible equity (ROTE)

20.9%

16.9%

Core operating ROE

14.3%

11.2%

For the six months ended June 30, 2026 and 2025, the tax expenses (benefits) related to the table above were

$3 million and $55 million, respectively for adjusted net realized gains and losses and other; $(4) million and nil for integration expenses and severance; $3 million and $(16) million for market risk benefits gains and losses, and

$1.32 billion and $937 million for core operating income.

Evan G. Greenberg, Chairman and Chief Executive Officer of Chubb Limited,

commented: “We had a very strong quarter with results that again reflect the strengths of our company, including our sources of income, our diversification globally and the growth opportunities it presents, the size and strength of our balance

sheet and the growth of our invested asset, and, finally, our disciplined approach to underwriting, which is a hallmark of our culture.

“Strong

P&C underwriting, investment and life income led to core operating earnings of $2.8 billion, or $7.26 per share, up 14.6% and 18.2%, respectively, over the prior year. Our most important measure of value creation, tangible book value per

share, increased 17.1% from last year.

“P&C underwriting income was more than $1.9 billion, up almost 19%, with a combined ratio of 83.8%

– a standout result – and on a current accident year basis excluding CATs, the combined ratio was 82.2%. On the investment side of our business, adjusted net investment income was a record $1.88 billion, up more than 11%, supported

by excellent performance in our fixed income and alternative asset portfolios. Our invested asset now stands at $175 billion, up 9% over the last 12 months. Life income grew 9% to $332 million, with good revenue growth in our Asia Life and

North America Worksite businesses.

“In terms of P&C markets, overly soft underwriting conditions persist in certain areas of property insurance

globally, particularly large account and E&S related. Our revenue results reflect our underwriting discipline,

Chubb®, Chubb logo® and Chubb. Insured.SM are trademarks of

Chubb.

Chubb Limited News Release

and we will not underwrite knowingly at a loss. The growth penalty we are paying in property will dissipate going forward. In the meantime, soft market

conditions are spreading to certain areas of casualty while financial lines also remain soft. Against that backdrop, we’re well diversified and the substantial majority of our businesses are growing, and that is evident in our results.

“P&C premiums rose 3% from last year, or 6.3% excluding large account and E&S property. Overseas General grew 10.2%, with Latin America up

15.6%, Asia up 12% and Europe up 5.1%. North America was up about 0.5%, with commercial down 2.3%, while personal lines and agriculture each grew 6%. Commercial was up 4.1% excluding major and specialty property. In our international life insurance

business, premiums and deposits rose 14.4%.

“We are an all-weather company. As long-term compounders of

wealth in a cyclical business, we are patient and have many sources of opportunity on both the liability and asset sides of the balance sheet. CATs and FX aside, we are confident in our ability to continue to outperform and generate strong growth in

operating earnings and EPS, and double-digit growth in tangible book value.”

Operating highlights for the quarter ended June 30, 2026 were as

follows:

Chubb Limited

(in millions of U.S. dollars except for percentages)

2026

2025

Change

Consolidated

Net premiums written (increase of 2.0% in constant dollars)

14,705

14,196

3.6%

P&C

Net premiums written (increase of 1.4% in constant dollars)

(increase of 6.3% excluding large account and E&S property)

12,768

12,394

3.0%

Underwriting income

1,937

1,631

18.8%

Combined ratio

83.8%

85.6%

Current accident year underwriting income excluding catastrophe losses

2,129

2,012

5.8%

Current accident year combined ratio excluding catastrophe losses

82.2%

82.3%

Global P&C (excludes Agriculture)

Net premiums written (increase of 1.1% in constant dollars)

11,992

11,661

2.8%

Underwriting income

1,871

1,566

19.5%

Combined ratio

83.5%

85.4%

Current accident year underwriting income excluding catastrophe losses

2,049

1,946

5.4%

Current accident year combined ratio excluding catastrophe losses

81.9%

Life Insurance

Net premiums written (increase of 6.3% in constant dollars)

1,937

1,802

7.5%

Segment income (increase of 9.1% in constant dollars)

332

305

9.0%

Chubb®, Chubb logo® and Chubb. Insured.SM are trademarks of

Chubb.

Chubb Limited News Release

●

Consolidated net premiums earned increased 5.8%, or 4.0% in constant dollars. P&C net premiums earned

increased 5.5%, or 3.6% in constant dollars.

●

Operating cash flow was $3.73 billion and adjusted operating cash flow was $3.48 billion.

●

Total capital returned to shareholders in the quarter was $1.37 billion, comprising share repurchases of

$979 million at an average purchase price of $327.18 per share and dividends of $395 million. Total capital returned to shareholders for the six months was $2.90 billion, comprising share repurchases of $2.12 billion at an

average purchase price of $326.03 per share and dividends of $775 million.

Chubb®, Chubb logo® and Chubb. Insured.SM are trademarks of

Chubb.

Chubb Limited News Release

Details of financial results by business segment are available in the Chubb Limited Financial Supplement. Key segment items for the quarter ended June 30,

2026 are presented below:

Chubb Limited

(in millions of U.S. dollars except for percentages)

2026

2025

Change

Total North America P&C Insurance

(Comprising NA Commercial P&C Insurance, NA Personal P&C Insurance and NA

Agricultural Insurance)

Net premiums written

8,424

8,394

0.4%

Combined ratio

81.5%

81.7%

Current accident year combined ratio excluding catastrophe losses

79.4%

79.7%

North America Commercial P&C Insurance

Net premiums written (increase of 4.1% excluding large account and E&S property)

5,594

5,723

(2.3)%

Major accounts retail and excess and surplus (E&S) wholesale

(increase of 0.4% excluding large account and E&S property)

3,257

3,578

(9.0)%

Middle market and small commercial

2,337

2,145

8.9%

Combined ratio

85.4%

83.5%

Current accident year combined ratio excluding catastrophe losses

81.8%

81.1%

North America Personal P&C Insurance

Net premiums written

2,054

1,938

6.0%

Combined ratio

67.3%

73.5%

Current accident year combined ratio excluding catastrophe losses

69.9%

72.2%

North America Agricultural Insurance

Net premiums written

776

733

6.0%

Combined ratio

89.7%

89.1%

Current accident year combined ratio excluding catastrophe losses

87.6%

88.8%

Overseas General Insurance

Net premiums written (increase of 4.8% in constant dollars)

3,990

3,620

10.2%

Commercial P&C

2,259

2,077

8.8%

Consumer P&C

1,731

1,543

12.1%

Combined ratio

82.2%

90.3%

Current accident year combined ratio excluding catastrophe losses

85.2%

85.4%

Global Reinsurance

Net premiums written

354

380

(6.7)%

Combined ratio

76.1%

71.0%

Current accident year combined ratio excluding catastrophe losses

76.9%

73.5%

Life Insurance

Net premiums written (increase of 6.3% in constant dollars)

1,937

1,802

7.5%

Net premiums written and deposits (increase of 12.9% in constant dollars)

2,652

2,320

14.4%

Segment income (increase of 9.1% in constant dollars)

332

305

9.0%

Chubb®, Chubb logo® and Chubb. Insured.SM are trademarks of

Chubb.

Chubb Limited News Release

●

North America Commercial P&C Insurance: The combined ratio increased 1.9 percentage points, including a 1.3

percentage point increase from higher catastrophe losses and a 0.5 percentage point increase in the current accident year loss ratio excluding catastrophe losses.

●

North America Personal P&C Insurance: The combined ratio decreased 6.2 percentage points, including a 2.4

percentage point decrease from higher favorable prior period development, a 1.5 percentage point decrease from lower catastrophe losses, and a 1.5 percentage point decrease in the current accident year loss ratio excluding catastrophe losses.

●

North America Agricultural Insurance: The combined ratio increased 0.6 percentage points, including a 1.8

percentage point increase from higher catastrophe losses, partially offset by a 0.7 percentage point decrease in the underlying expense ratio, and a 0.5 percentage point decrease in the current accident year loss ratio excluding catastrophe losses.

●

Overseas General Insurance: The combined ratio decreased 8.1 percentage points, including a 6.5 percentage point

decrease from lower catastrophe losses, a 1.4 percentage point decrease from higher favorable prior period development, and a 0.6 percentage point decrease in the current accident year loss ratio excluding catastrophe losses, partially offset by a

0.4 percentage point increase in the underlying expense ratio, due to shift in the mix of business.

●

Life Insurance: Net premiums written were $1.94 billion, up 7.5%, with International Life of

$1.59 billion, up 6.2%, and Chubb Benefits up 14.0%. Life Segment income was $332 million, up 9.0%, primarily reflecting growth in International Life of 13.0%.

Chubb®, Chubb logo® and Chubb. Insured.SM are trademarks of

Chubb.

Chubb Limited News Release

All comparisons are with the same period last year unless otherwise specifically stated.

Please refer to the Chubb Limited Financial Supplement, dated June 30, 2026, which is posted on Chubb’s investor relations website,

investors.chubb.com, in the Financials section for more detailed information on individual segment performance, together with additional disclosure on reinsurance recoverable, loss reserves, investment portfolio, and debt and capital.

Chubb Limited will hold its second quarter earnings conference call on Wednesday, July 22, 2026, at 8:30 a.m. Eastern. The earnings conference call will

be available via live webcast at investors.chubb.com or by dialing 877-400-4403 (within the United States) or 332-251-2601 (international), passcode 1641662. Please refer to the Chubb website under Events and Presentations for details. A replay will be available after the call at the same location. To listen to the

replay, click here to register and receive dial-in numbers.

In this release, business activity for, and

the financial position of, Chubb acquisitions are reported at 100%, as required, except for core operating income, net income, book value, tangible book value, ROE, per share data, and certain other key metrics, which include only Chubb’s

ownership interest and exclude the non-controlling interest.

About Chubb

Chubb is a world leader in insurance. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance,

personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. The company is defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength

and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb employs approximately 45,000 people worldwide. Additional information can be found at:

www.chubb.com.

Investor Contact

Susan Spivak: (212) 827-4445; investorrelations@chubb.com

Media Contact

mediarelations@chubb.com

Chubb®, Chubb logo® and Chubb. Insured.SM are trademarks of

Chubb.

Chubb Limited News Release

Regulation G – Non-GAAP Financial Measures

In presenting our results, we included and discussed certain non-GAAP measures. These

non-GAAP measures, which may be defined differently by other companies, are important for an understanding of our overall results of operations and financial condition. However, they should not be viewed as a

substitute for measures determined in accordance with generally accepted accounting principles (GAAP).

Throughout this document there are various measures

presented on a constant-dollar basis (i.e., excludes the impact of foreign exchange). We believe it is useful to evaluate the trends in our results exclusive of the effect of fluctuations in exchange rates between the U.S. dollar and the

currencies in which our international business is transacted, as these exchange rates could fluctuate significantly between periods and distort the analysis of trends. The impact is determined by assuming constant foreign exchange rates between

periods by translating prior period results using the same local currency exchange rates as the comparable current period.

Adjusted net investment

income is net investment income excluding the amortization of the fair value adjustment on acquired invested assets from certain acquisitions of $1 million and $4 million in Q2 2026 and Q2 2025, and including investment income of

$119 million and $115 million in Q2 2026 and Q2 2025, from partially owned investment companies (private equity partnerships) where our ownership interest is in excess of 3% that are accounted for under the equity method. The amortization

of the fair value adjustment on acquired invested assets was $3 million and $6 million for the six months ended June 30, 2026 and 2025, and the investment income from private equity partnerships was $246 million and

$222 million for the six months ended June 30, 2026 and 2025. The mark-to-market movement on these private equity partnerships are included in adjusted net

realized gains (losses) as described below. We believe this measure is meaningful as it highlights the underlying performance of our invested assets and portfolio management in support of our lines of business.

Adjusted net realized gains (losses) and other, net of tax, includes net realized gains (losses) and net realized gains (losses)

recorded in other income (expense) related to unconsolidated subsidiaries, and excludes realized gains and losses on crop derivatives and realized gains and losses on underlying investments supporting the liabilities of certain participating

policies related to the policyholders’ share of gains and losses. The crop derivatives were purchased to provide economic benefit, in a manner similar to reinsurance protection, in the event that a significant decline in commodity pricing

impacts underwriting results. We view gains and losses on these derivatives as part of the results of our underwriting operations, and therefore realized gains (losses) from these derivatives are reclassified to adjusted losses and loss expenses.

The realized gains and losses on underlying investments supporting the liabilities of certain participating policies have been reclassified from net realized gains (losses) to adjusted policy benefits. We believe this better reflects the economics

of the liabilities and the underlying investments supporting those liabilities. Other includes the amortization of fair value adjustment of acquired invested assets and long-term debt related to certain acquisitions. See Core operating income

for further description of these items.

P&C underwriting income (loss) excludes the Life Insurance segment and is calculated by subtracting

adjusted losses and loss expenses, adjusted policy benefits, policy acquisition costs and administrative expenses from net premiums earned. We use underwriting income (loss) and operating ratios to monitor the results of our operations without the

impact of certain factors, including net investment income, other income (expense), interest expense, amortization expense of purchased intangibles, integration expenses and severance, amortization of fair value of acquired invested assets and debt,

income tax expense, adjusted net realized gains (losses), and market risk benefits gains (losses).

P&C current accident year underwriting income

excluding catastrophe losses is P&C underwriting income adjusted to exclude P&C catastrophe losses and prior period development (PPD). We believe it is useful to exclude catastrophe losses, as they are not predictable as to timing and

amount, and PPD as these unexpected loss developments on historical reserves are not indicative of our current underwriting performance. We believe the use of these measures enhances the understanding of our results of operations by highlighting the

underlying profitability of our insurance business.

Chubb®, Chubb logo® and Chubb. Insured.SM are trademarks of

Chubb.

Chubb Limited News Release

References in this release to “current accident year” or “underlying” metrics exclude catastrophe losses and prior period development,

unless stated otherwise.

Core operating income relates only to Chubb income, which excludes noncontrolling interests. It excludes from Chubb net

income the after-tax impact of adjusted net realized gains (losses) and other, which include items described in this paragraph, and market risk benefits gains (losses). We believe this presentation enhances

the understanding of our results of operations by highlighting the underlying profitability of our insurance business. We exclude adjusted net realized gains (losses) and market risk benefits gains (losses) because the amount of these gains (losses)

is heavily influenced by, and fluctuates in part according to, the availability of market opportunities. In addition, we exclude the amortization of fair value adjustments on purchased invested assets and long-term debt related to certain

acquisitions due to the size and complexity of these acquisitions. We also exclude integration expenses, including legal and professional fees and all other costs directly related to acquisition integration activities, as well as severance expenses

associated with transformation initiatives to enhance operational efficiency. The costs are not related to the ongoing activities of the individual segments and are therefore included in Corporate and excluded from our definition of segment income.

We believe these integration expenses and severance are not indicative of our underlying profitability, and excluding these integration expenses and severance facilitates the comparison of our financial results to our historical operating results.

Additionally, we exclude the amortization of the deferred tax asset related to the tax benefit from the Bermuda Economic Transition Adjustment, which we believe provides investors with a better view of our operating performance, enhances the

understanding of the trends in the underlying business, improves comparability between periods and provides increased transparency. References to core operating income measures mean net of tax, whether or not noted.

Core operating return on equity (ROE) and Core operating return on tangible equity (ROTE) are annualized

non-GAAP financial measures. The numerator includes core operating income (loss), net of tax. The denominator includes the average Chubb shareholders’ equity for the period adjusted to exclude unrealized

gains (losses) on investments, current discount rate on future policy benefits (FPB), and instrument-specific credit risk on market risk benefits (MRB), all net of tax and attributable to Chubb. For the ROTE calculation, the denominator is also

adjusted to exclude Chubb goodwill and other intangible assets, net of tax. These measures enhance the understanding of the return on shareholders’ equity by highlighting the underlying profitability relative to shareholders’ equity and

tangible equity excluding the effect of these items as these are heavily influenced by changes in market conditions. We believe ROTE is meaningful because it measures the performance of our operations without the impact of goodwill and other

intangible assets.

P&C combined ratio is the sum of the loss and loss expense ratio, acquisition cost ratio and the administrative expense ratio

excluding the life business and including the realized gains and losses on the crop derivatives, as noted above.

P&C current accident year combined

ratio excluding catastrophe losses excludes the impact of P&C catastrophe losses and PPD from the P&C combined ratio. We believe this measure provides a useful evaluation of our underwriting performance and enhances the understanding of

the trends in our P&C business that may be obscured by these items.

Global P&C performance metrics comprise consolidated operating results

(including corporate) and exclude the operating results of Chubb’s Life Insurance and North America Agricultural Insurance segments. The agriculture insurance business is a different business in that it is a public sector and private sector

partnership in which insurance rates, premium growth, and risk-sharing is not market-driven like the remainder of Chubb’s P&C insurance business. We believe that these measures are useful and meaningful to investors as they are used by

management to assess Chubb’s global P&C operations which are the most economically similar. We exclude the North America Agricultural Insurance and Life Insurance segments because the results of these businesses do not always correlate

with the results of our global P&C operations.

Tangible book value per common share is Chubb shareholders’ equity less Chubb goodwill and

other intangible assets, net of tax, divided by the shares outstanding. We believe that goodwill and other intangible assets are not indicative of

Chubb®, Chubb logo® and Chubb. Insured.SM are trademarks of

Chubb.

Chubb Limited News Release

our underlying insurance results or trends and make book value comparisons to less acquisitive peer companies less meaningful.

Book value per share and tangible book value per share excluding accumulated other comprehensive income (loss) (AOCI), excludes AOCI from the numerator

because it eliminates the effect of items that can fluctuate significantly from period to period, primarily based on changes in interest rates and foreign currency movement, to highlight underlying growth in book and tangible book value.

Adjusted operating cash flow is Operating cash flow excluding the operating cash flow related to the net investing activities of Huatai’s

asset management companies as it relates to the Consolidated Investment Products as required under consolidation accounting. Because these entities are investment companies, we are required to retain the investment company presentation in our

consolidated results, which means we include the net investing activities of these entities in our operating cash flows. Chubb has elected to remove the impact of net investing activities of consolidated investment companies from our operating cash

flow as they may distort a reader’s analysis of our underlying operating cash flow related to the core insurance company operations. These net investing activities are more appropriately classified outside of operating cash flows, consistent

with our consolidated investing activities. Accordingly, we believe that it is appropriate to adjust operating cash flow for the impact of consolidated investment products.

Life Insurance and International life insurance net premiums written and deposits collected includes deposits collected on universal life and investment

contracts (life deposits). Life deposits are not reflected as revenues in our consolidated statements of operations in accordance with U.S. GAAP. However, we include life deposits in presenting growth in our life insurance business because life

deposits are an important component of production and key to our efforts to grow our business.

See the reconciliation of

Non-GAAP Financial Measures on pages 27-33 in the Financial Supplement. These measures should not be viewed as a substitute for measures determined in accordance with

GAAP, including premium, net income, book value, return on equity, and net investment income.

NM – not meaningful comparison

Cautionary Statement Regarding Forward-Looking Statements:

Forward-looking statements made in this press release, such as those related to company performance, pricing, growth opportunities, economic and market

conditions, and our expectations and intentions and other statements that are not historical facts, reflect our current views with respect to future events and financial performance and are made pursuant to the safe harbor provisions of the Private

Securities Litigation Reform Act of 1995. Such statements involve risks and uncertainties that could cause actual results to differ materially, including without limitation, the following: competition, pricing and policy term trends, the levels

of new and renewal business achieved, the frequency and severity of unpredictable catastrophic events, actual loss experience, uncertainties in the reserving or settlement process, integration activities and performance of acquired companies, loss

of key employees or disruptions to our operations, new theories of liability, judicial, legislative, regulatory and other governmental developments, litigation tactics and developments, investigation developments and actual settlement terms, the

amount and timing of reinsurance recoverable, credit developments among reinsurers, rating agency action, possible terrorism or the outbreak and effects of war, economic, political, regulatory, insurance and reinsurance business conditions,

potential strategic opportunities including acquisitions and our ability to achieve them, as well as management’s response to these factors, and other factors identified in our filings with the Securities and Exchange Commission (SEC). Readers

are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the dates on which they are made. We undertake no obligation to publicly update or revise any forward-looking statements, whether as a result of

new information, future events or otherwise.

Chubb®, Chubb logo® and Chubb. Insured.SM are trademarks of

Chubb.

Chubb Limited News Release

Chubb Limited

Summary Consolidated Balance Sheets

(in millions of U.S. dollars, except per share data)

(Unaudited)

June 30

2026

December 31

2025

Assets

Investments

172,649

168,720

Cash and restricted cash

2,753

2,470

Total invested assets

175,402

171,190

Insurance and reinsurance balances receivable

19,068

15,944

Reinsurance recoverable on losses and loss expenses

20,284

20,338

Goodwill and other intangible assets ($25,859 and $25,775 represents Chubb portion as of 6/30/2026 and 12/31/2025,

respectively)

26,488

26,448

Other assets

40,080

38,407

Total assets

281,322

272,327

Liabilities

Unpaid losses and loss expenses

89,669

88,018

Unearned premiums

28,511

26,279

Other liabilities

82,297

78,251

Total liabilities

200,477

192,548

Shareholders’ equity

Chubb shareholders’ equity, excl. AOCI

81,295

78,732

Accumulated other comprehensive income (loss) (AOCI)

(5,923)

(4,975)

Chubb shareholders’ equity

75,372

73,757

Noncontrolling interests

5,473

6,022

Total shareholders’ equity

80,845

79,779

Total liabilities and shareholders’ equity

281,322

272,327

Book value per common share

195.45

188.59

Tangible book value per common share

131.93

126.22

Book value per common share, excl. AOCI

210.81

201.31

Tangible book value per common share, excl. AOCI

145.67

136.91

Chubb®, Chubb logo® and Chubb. Insured.SM are trademarks of

Chubb.

Chubb Limited News Release

Chubb Limited

Summary Consolidated Financial Data

(in millions of U.S. dollars, except share, per share data, and

ratios)

(Unaudited)

Three Months Ended

June 30

Six Months Ended

June 30

2026

2025

2026

2025

Gross premiums written

17,947

17,276

34,498

32,381

Net premiums written

14,705

14,196

28,710

26,842

Net premiums earned

13,889

13,125

27,346

25,125

Losses and loss expenses

6,691

6,572

12,822

13,468

Policy benefits

1,615

1,406

3,400

2,633

Policy acquisition costs

2,632

2,415

5,228

4,728

Administrative expenses

1,168

1,125

2,317

2,205

Net investment income

1,760

1,568

3,469

3,129

Net realized gains (losses)

162

160

(245)

Market risk benefits gains (losses)

(17)

(109)

Interest expense

200

181

398

362

Other income (expense):

Gains (losses) from separate account assets

(12)

(22)

Other

133

667

306

760

Amortization of purchased intangibles

147

149

Integration expenses and severance

Income tax expense

742

717

1,388

1,038

Net income

2,882

2,999

5,229

4,342

Less: NCI income

Chubb net income

2,854

2,968

5,174

4,299

Diluted earnings per share:

Chubb net income

7.30

7.35

13.17

10.63

Core operating income

7.26

6.14

14.07

9.82

Weighted average shares

outstanding

391.3

403.8

393.0

404.3

P&C combined ratio

Loss and loss expense ratio

56.7%

59.0%

56.2%

63.1%

Policy acquisition cost ratio

19.1%

18.5%

19.5%

18.9%

Administrative expense ratio

8.0%

8.1%

8.2%

8.4%

P&C combined ratio

83.8%

85.6%

83.9%

90.4%

P&C underwriting income

1,937

1,631

3,729

2,072

Chubb®, Chubb logo® and Chubb. Insured.SM are trademarks of

Chubb.

EX-99.2

Filename: d78544dex992.htm · Sequence: 3

EX-99.2

Exhibit 99.2

Chubb Limited

Financial

Supplement

for the Quarter Ended June 30, 2026

Investor Contact

Susan Spivak: (212) 827-4445

email: investorrelations@chubb.com

This report is for informational purposes only. It should be read in conjunction with documents filed by Chubb Limited with the Securities and Exchange

Commission, including the most recent Annual Report on Form 10-K and Quarterly Reports on Form 10-Q.

Cautionary Statement Regarding Forward-Looking Statements

Any

forward-looking statements made in this financial supplement reflect Chubb Limited’s current views with respect to future events and financial performance and are made pursuant to the safe harbor provisions of the Private Securities Litigation

Reform Act of 1995. Such statements involve risks and uncertainties which may cause actual results to differ materially from such statements. For example, forward-looking statements related to financial performance, including exposures, reserves and

recoverables, could be affected by the frequency and severity of unpredictable catastrophic events, actual loss experience, uncertainties in the reserving or settlement process, currency exchange fluctuations, new theories of liability, judicial,

legislative, regulatory and other governmental developments, litigation tactics and developments, investigation developments and actual settlement terms, the amount and timing of reinsurance receivable and credit developments among reinsurers.

Our forward-looking statements could also be affected by, among other things, competition, pricing and policy term trends, market acceptance, changes in demand, actual

market developments, rating agency action, possible terrorism or the outbreak and effects of war, and such other factors identified in our filings with the Securities and Exchange Commission. Readers are cautioned not to place undue reliance on

these forward-looking statements, which speak only as of the dates on which they are made. We undertake no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

Chubb Limited

Financial Supplement Table of Contents

Page

Financial Highlights

- Consolidated Financial Highlights

II.

Consolidated Results

- Consolidated Statement of Operations

- P&C - Consecutive Quarters

- Global P&C - Consecutive Quarters

- Summary Consolidated Balance Sheets

- Product Line

- Consolidated Results by Segment

7 - 8

III.

Segment Results

- North America Commercial P&C Insurance

- North America Personal P&C Insurance

- North America Agricultural Insurance

- Overseas General Insurance

- Global Reinsurance

- Life Insurance

- Corporate

IV.

Balance Sheet Details

- Loss Reserve Rollforward

- Reinsurance Recoverable Analysis

- Investment Portfolio

18 - 21

- Net Realized and Unrealized Gains (Losses)

22 - 23

- Debt and Capital

- Computation of Basic and Diluted Earnings Per Share

- Book Value and Book Value per Common Share

Other Disclosures

- Non-GAAP Financial Measures

27 - 33

- Glossary

Note on Chubb Metrics:

In this financial supplement, business activity for, and the financial position of, Chubb acquisitions are reported at 100%, as required, except for core

operating income, net income, book value, tangible book value, ROE, per share data, and certain other key metrics, which include only Chubb’s ownership interest and exclude the non-controlling interest.

Chubb Limited

Consolidated Financial Highlights

(in millions

of U.S. dollars, except share, per share data, and ratios)

(Unaudited)

Note: All dollar amounts in the Financial Supplement are rounded. However, percent changes and ratios are calculated using whole dollars. Accordingly, calculations

using rounded dollars may differ.

Three months ended June 30

Constant $

Six months ended June 30

Constant $

2026

2025

% Change

2025

% Change

2026

2025

% Change

2025

% Change

Gross premiums written

17,947

17,276

3.9%

17,534

2.4%

34,498

32,381

6.5%

33,069

4.3%

Net premiums written

14,705

14,196

3.6%

14,417

2.0%

28,710

26,842

7.0%

27,417

4.7%

P&C net premiums written

12,768

12,394

3.0%

12,595

1.4%

24,484

23,320

5.0%

23,844

2.7%

Global P&C net premiums written

11,992

11,661

2.8%

11,862

1.1%

23,397

22,311

4.9%

22,835

2.5%

Life Insurance net premiums written

1,937

1,802

7.5%

1,822

6.3%

4,226

3,522

20.0%

3,573

18.3%

Net premiums earned

13,889

13,125

5.8%

13,350

4.0%

27,346

25,125

8.8%

25,637

6.7%

P&C underwriting income

1,937

1,631

18.8%

1,671

16.0%

3,729

2,072

80.0%

2,156

73.0%

P&C CAY underwriting income ex Cats

2,129

2,012

5.8%

2,048

4.0%

4,135

3,839

7.7%

3,913

5.7%

Adjusted net investment income

1,880

1,687

11.4%

1,702

10.5%

3,718

3,357

10.8%

3,388

9.7%

Core operating income

2,842

2,480

14.6%

2,515

13.0%

5,531

3,969

39.4%

4,049

36.6%

Adjusted operating cash flow

3,476

3,231

7,279

5,232

Net investment income

1,760

1,568

12.3%

1,579

11.5%

3,469

3,129

10.9%

3,154

10.0%

Chubb net income

2,854

2,968

-3.8%

5,174

4,299

20.4%

Operating cash flow

3,730

3,551

7,677

5,117

P&C combined ratio

Loss and loss expense ratio

56.7%

59.0%

56.2%

63.1%

Policy acquisition cost and administrative expense ratio

27.1%

26.6%

27.7%

27.3%

Combined ratio

83.8%

85.6%

83.9%

90.4%

P&C Current Accident Year (CAY) combined ratio ex

Catastrophe losses (Cats)

CAY loss and loss expense ratio ex Cats

55.2%

55.6%

54.5%

55.1%

CAY policy acquisition cost and administrative expense ratio ex Cats

27.0%

26.7%

27.7%

27.2%

CAY combined ratio ex Cats

82.2%

82.3%

82.2%

82.3%

ROE

15.3%

17.6%

13.9%

12.9%

Core operating return on tangible equity (ROTE)

21.2%

21.0%

20.9%

16.9%

Core operating return on equity (ROE)

14.5%

13.9%

14.3%

11.2%

Effective tax rate

20.6%

19.4%

21.1%

19.4%

Core operating effective tax rate

19.2%

19.1%

19.3%

19.1%

Diluted earnings per share

Chubb net income

7.30

7.35

-0.7%

13.17

10.63

23.9%

Core operating income

7.26

6.14

18.2%

14.07

9.82

43.3%

Weighted average diluted common shares outstanding

391.3

403.8

393.0

404.3

% Change

June 30

March 31

2Q-26 vs.

December 31

2Q-26 vs.

June 30

2Q-26 vs.

2026

1Q-26

2025

4Q-25

2025

2Q-25

Book value per common share

195.45

189.93

2.9%

188.59

3.6%

174.07

12.3%

Tangible book value per common share

131.93

126.65

4.2%

126.22

4.5%

112.64

17.1%

Book value per common share, excl. AOCI

210.81

205.15

2.8%

201.31

4.7%

189.27

11.4%

Tangible book value per common share, excl. AOCI

145.67

140.35

3.8%

136.91

6.4%

125.80

15.8%

Financial Highlights

Page 1

Chubb Limited

Statement of Operations - Consecutive Quarters

(in millions of U.S. dollars)

(Unaudited)

Consolidated Statements of Operations

2Q-26

1Q-26

4Q-25

3Q-25

2Q-25

YTD

2026

YTD

2025

Full Year

2025

Gross premiums written

17,947

16,551

15,496

18,069

17,276

34,498

32,381

65,946

Net premiums written

14,705

14,005

13,134

14,866

14,196

28,710

26,842

54,842

Net premiums earned

13,889

13,457

13,530

14,359

13,125

27,346

25,125

53,014

Adjusted losses and loss expenses (1)

6,699

6,139

6,289

6,958

6,574

12,838

13,469

26,716

Realized (gains) losses on crop derivatives

Losses and loss expenses

6,691

6,131

6,281

6,951

6,572

12,822

13,468

26,700

Adjusted policy benefits (2)

1,480

1,813

1,355

1,422

1,378

3,293

2,654

5,431

Realized (gains) losses from investment portfolios supporting participating policies

(72

)

(40

)

(56

)

(Gains) losses from fair value changes in separate account assets

(63

)

(127

)

(51

)

(96

)

Policy benefits

1,615

1,785

1,455

1,372

1,406

3,400

2,633

5,460

Policy acquisition costs

2,632

2,596

2,556

2,563

2,415

5,228

4,728

9,847

Administrative expenses

1,168

1,149

1,161

1,138

1,125

2,317

2,205

4,504

Adjusted net investment income (3)

1,880

1,838

1,814

1,776

1,687

3,718

3,357

6,947

Other (income) expense from private equity partnerships

(119

)

(127

)

(125

)

(127

)

(115

)

(246

)

(222

)

(474

)

Amortization expense of fair value adjustment on acquired invested assets

)

Net investment income

1,760

1,709

1,688

1,648

1,568

3,469

3,129

6,465

Adjusted realized gains (losses) (4)

(383

)

(81

)

331

122

(285

)

294

Realized gains (losses) from investment portfolios supporting participating policies

(16

)

(27

)

(41

)

(67

)

Realized gains (losses) on crop derivatives

)

(16

)

(16

)

Net realized gains (losses)

162

(407

)

(116

)

283

160

(245

)

211

Market risk benefits gains (losses)

(37

)

(142

)

(17

)

(109

)

(288

)

Adjusted interest expense (5)

205

203

210

203

186

408

372

785

Amortization benefit of fair value adjustment on acquired long term debt

)

(10

)

(10

)

(21

)

Interest expense

200

198

205

197

181

398

362

764

Gains (losses) from fair value changes in separate account assets

(12

)

127

)

(12

)

(22

)

Net realized gains (losses) related to unconsolidated entities

282

(84

)

540

515

713

Other income (expense) from private equity partnerships

119

127

125

127

115

246

222

474

Other income (expense) - operating

(18

)

Other income (expense)

196

161

516

655

357

738

1,297

Amortization expense of purchased intangibles

147

149

301

Integration expenses and severance

Income tax expense (benefit)

742

646

597

787

717

1,388

1,038

2,422

Net income

2,882

2,347

3,173

3,107

2,999

5,229

4,342

10,622

Less: NCI income (loss)

(37

)

306

312

Chubb net income

2,854

2,320

3,210

2,801

2,968

5,174

4,299

10,310

(1) Adjusted losses and loss expenses used throughout this report includes realized gains and losses on crop derivatives.

(2) Adjusted policy benefits used throughout this report includes gains and losses from fair value changes in separate account assets that do not qualify for separate

account reporting under U.S. GAAP and realized gains and losses on underlying investments supporting the liabilities of certain participating policies related to the policyholders’ share of gains and losses.

(3) Adjusted net investment income used throughout this report excludes Amortization expense of fair value adjustment on acquired invested assets and includes income

from private equity partnerships where we hold more than 3% ownership.

(4) Adjusted realized gains (losses) used throughout this report excludes realized gains and

losses on crop derivatives and realized gains and losses on underlying investments supporting the liabilities of certain participating policies related to the policyholders’ share of gains and losses.

(5) Adjusted interest expense used throughout this report excludes Amortization benefit of fair value adjustment on acquired long term debt.

Statement of Operations

Page 2

Chubb Limited

P&C Underwriting Results - Consecutive Quarters

(in millions of U.S. dollars, except ratios)

(Unaudited)

P&C

2Q-26

1Q-26

4Q-25

3Q-25

2Q-25

YTD

2026

YTD

2025

Full Year

2025

Gross premiums written

15,953

14,206

13,612

16,074

15,410

30,159

28,737

58,423

Net premiums written

12,768

11,716

11,309

12,934

12,394

24,484

23,320

47,563

Net premiums earned

11,955

11,189

11,716

12,434

11,336

23,144

21,640

45,790

Adjusted losses and loss expenses

6,677

6,111

6,257

6,927

6,554

12,788

13,423

26,607

Policy benefits

106

113

109

119

129

219

242

470

Policy acquisition costs

2,280

2,234

2,214

2,204

2,096

4,514

4,099

8,517

Administrative expenses

955

939

925

926

1,894

1,804

3,668

P&C underwriting income

1,937

1,792

2,197

2,259

1,631

3,729

2,072

6,528

P&C CAY underwriting income ex Cats

2,129

2,006

2,294

2,183

2,012

4,135

3,839

8,316

% Change versus prior year period

Net premiums written

3.0%

7.2%

7.7%

5.3%

5.2%

5.0%

4.3%

5.4%

Net premiums earned

5.5%

8.6%

6.2%

5.0%

5.7%

7.0%

4.6%

5.1%

Net premiums written constant $

1.4%

4.1%

6.9%

4.7%

5.8%

2.7%

5.4%

5.6%

Net premiums earned constant $

3.6%

5.9%

5.3%

4.2%

6.3%

4.7%

5.7%

5.2%

Combined ratio

Loss and loss expense ratio

56.7%

55.6%

54.3%

56.7%

59.0%

56.2%

63.1%

59.1%

Policy acquisition cost ratio

19.1%

20.0%

18.9%

17.7%

18.5%

19.5%

18.9%

18.6%

Administrative expense ratio

8.0%

8.4%

8.0%

7.4%

8.1%

8.2%

8.4%

8.0%

Combined ratio

83.8%

84.0%

81.2%

81.8%

85.6%

83.9%

90.4%

85.7%

CAY combined ratio ex Cats

CAY loss and loss expense ratio ex Cats

55.2%

53.8%

53.2%

57.5%

55.6%

54.5%

55.1%

55.3%

CAY policy acquisition cost and administrative expense ratio ex Cats

27.0%

28.3%

27.2%

25.0%

26.7%

27.7%

27.2%

26.6%

CAY combined ratio ex Cats

82.2%

82.1%

80.4%

82.5%

82.3%

82.2%

82.3%

81.9%

Other ratios

Net premiums written/gross premiums written

80%

82%

83%

80%

81%

Expense ratio

27.1%

28.4%

26.9%

25.1%

26.6%

27.7%

27.3%

26.6%

Expense ratio excluding A&H

25.5%

26.8%

25.3%

23.6%

25.1%

26.1%

25.7%

25.0%

Net catastrophe losses - pre-tax

475

500

365

285

630

975

2,271

2,921

Unfavorable (favorable) prior period development (PPD) -

pre-tax

(283)

(286)

(268)

(361)

(249)

(569)

(504)

(1,133)

Impact of catastrophe losses on combined ratio - Unfavorable (favorable)

4.0%

4.5%

3.0%

2.3%

5.5%

4.2%

10.5%

6.3%

Impact of PPD on combined ratio - Unfavorable (favorable)

-2.4%

-2.6%

-2.3%

-3.0%

-2.2%

-2.5%

-2.4%

-2.5%

Impact of Cats and PPD on combined ratio - Unfavorable (favorable)

1.6%

1.9%

0.7%

-0.7%

3.3%

1.7%

8.1%

3.8%

P&C Results

Page 3

Chubb Limited

Global P&C Underwriting Results - Consecutive Quarters

(in millions of U.S. dollars, except ratios)

(Unaudited)

Global P&C

2Q-26

1Q-26

4Q-25

3Q-25

2Q-25

YTD

2026

YTD

2025

Full Year

2025

Gross premiums written

14,841

13,705

13,005

13,558

14,300

28,546

27,193

53,756

Net premiums written

11,992

11,405

10,850

11,476

11,661

23,397

22,311

44,637

Net premiums earned

11,314

11,000

11,055

10,939

10,738

22,314

20,877

42,871

Adjusted losses and loss expenses

6,151

6,058

5,817

5,703

6,071

12,209

12,848

24,368

Policy benefits

106

113

109

119

129

219

242

470

Policy acquisition costs

2,235

2,210

2,196

2,118

2,048

4,445

4,034

8,348

Administrative expenses

951

945

954

920

924

1,896

1,800

3,674

Global P&C underwriting income

1,871

1,674

1,979

2,079

1,566

3,545

1,953

6,011

Global P&C CAY underwriting income ex Cats

2,049

1,964

2,130

2,029

1,946

4,013

3,737

7,896

% Change versus prior year period

Net premiums written

2.8%

7.1%

6.6%

5.3%

5.8%

4.9%

4.4%

5.2%

Net premiums earned

5.4%

8.5%

5.3%

4.9%

6.3%

6.9%

4.7%

4.9%

Net premiums written constant $

1.1%

3.9%

5.7%

4.6%

6.4%

2.5%

5.7%

5.4%

Net premiums earned constant $

3.4%

5.8%

4.4%

4.1%

7.0%

4.6%

5.8%

5.0%

Combined ratio

Loss and loss expense ratio

55.3%

56.1%

53.6%

53.2%

57.7%

55.7%

62.7%

57.9%

Policy acquisition cost ratio

19.8%

20.1%

19.9%

19.4%

19.1%

19.9%

19.3%

19.5%

Administrative expense ratio

8.4%

8.6%

8.4%

8.6%

8.5%

8.6%

Combined ratio

83.5%

84.8%

82.1%

81.0%

85.4%

84.1%

90.6%

86.0%

CAY combined ratio ex Cats

CAY loss and loss expense ratio ex Cats

53.8%

53.5%

52.6%

54.0%

54.3%

53.7%

54.3%

53.8%

CAY policy acquisition cost and administrative expense ratio ex Cats

28.1%

28.7%

28.3%

27.6%

28.3%

27.8%

27.9%

CAY combined ratio ex Cats

81.9%

82.2%

80.9%

81.6%

81.9%

82.0%

82.1%

81.7%

Other ratios

Net premiums written/gross premiums written

81%

83%

85%

82%

83%

Expense ratio

28.2%

28.7%

28.5%

27.8%

27.7%

28.4%

27.9%

28.1%

Expense ratio excluding A&H

26.6%

27.1%

26.9%

26.2%

26.1%

26.8%

26.4%

Net catastrophe losses - pre-tax

461

496

361

281

629

957

2,255

2,897

Unfavorable (favorable) prior period development (PPD) -

pre-tax

(283)

(206)

(210)

(331)

(249)

(489)

(471)

(1,012)

Impact of catastrophe losses on combined ratio - Unfavorable (favorable)

4.1%

4.5%

3.2%

2.6%

5.8%

4.3%

10.7%

6.8%

Impact of PPD on combined ratio - Unfavorable (favorable)

-2.5%

-1.9%

-2.0%

-3.2%

-2.3%

-2.2%

-2.5%

Impact of Cats and PPD on combined ratio - Unfavorable (favorable)

1.6%

2.6%

1.2%

-0.6%

3.5%

2.1%

8.5%

4.3%

Global P&C

Page 4

Chubb Limited

Summary Consolidated Balance Sheets

(in

millions of U.S. dollars, except per share data)

(Unaudited)

June 30

2026

March 31

2026

December 31

2025

Assets

Short-term investments, at fair value

5,458

5,067

4,840

Fixed maturities available for sale, at fair value

125,518

123,433

122,680

Private debt

held-for-investment, at amortized cost

2,252

2,477

2,411

Equity securities, at fair value

11,014

10,916

10,801

Private equities

17,385

17,132

17,239

Other investments

11,022

11,170

10,749

Total investments

172,649

170,195

168,720

Cash and restricted cash

2,753

2,634

2,470

Total invested assets

175,402

172,829

171,190

Securities lending collateral

1,870

2,277

2,500

Insurance and reinsurance balances receivable

19,068

17,101

15,944

Reinsurance recoverable on losses and loss expenses

20,284

20,159

20,338

Deferred policy acquisition costs

10,744

10,452

10,008

Value of business acquired (VOBA)

2,828

2,926

2,975

Prepaid reinsurance premiums

4,683

4,105

3,874

Goodwill and other intangible assets ($25,859 and $25,775 represents Chubb portion as of 6/30/2026 and

12/31/2025, respectively)

26,488

26,587

26,448

Deferred tax assets

1,237

1,315

1,312

Separate account assets

7,471

6,718

6,925

Other assets

11,247

10,987

10,813

Total assets

281,322

275,456

272,327

Liabilities

Unpaid losses and loss expenses

89,669

88,915

88,018

Unearned premiums

28,511

27,180

26,279

Future policy benefits

20,159

19,273

18,420

Market risk benefits

505

642

659

Policyholder account balances

9,102

8,782

8,576

Separate account liabilities

7,471

6,718

6,925

Insurance and reinsurance balances payable

9,345

8,486

8,349

Securities lending payable

1,870

2,277

2,500

Accounts payable, accrued expenses, and other liabilities

13,433

13,617

13,432

Deferred tax liabilities

1,870

1,759

1,741

Short-term and long-term debt

18,115

17,470

17,227

Hybrid debt

427

425

422

Total liabilities

200,477

195,544

192,548

Shareholders’ equity

Chubb shareholders’ equity, excl. AOCI

81,295

79,699

78,732

Accumulated other comprehensive income (loss) (AOCI)

(5,923)

(5,911)

(4,975)

Chubb shareholders’ equity

75,372

73,788

73,757

Noncontrolling interests

5,473

6,124

6,022

Total shareholders’ equity

80,845

79,912

79,779

Total liabilities and shareholders’ equity

281,322

275,456

272,327

Book value per common share

195.45

189.93

188.59

% change over prior quarter

2.9%

0.7%

3.5%

Tangible book value per common share

(1)

131.93

126.65

126.22

% change over prior quarter

4.2%

0.3%

5.1%

Book value per common share, excl. AOCI

210.81

205.15

201.31

% change over prior quarter

2.8%

1.9%

3.4%

Tangible book value per common share, excl. AOCI

145.67

140.35

136.91

% change over prior quarter

3.8%

2.5%

4.8%

(1) Refer to page 26 in this financial supplement for more details.

Consol Bal Sheet

Page 5

Chubb Limited

Consolidated Net Premiums Written by Product Line

(in millions of U.S. dollars)

(Unaudited)

Constant $

YTD

Constant $

2Q-26

2Q-25

% Change

2026

2025

% Change

Net premiums written

Property and other short-tail lines

2,486

2,766

-10.1%

-11.7%

4,953

5,255

-5.8%

-8.3%

Commercial casualty

2,543

2,389

6.4%

5.2%

5,114

4,641

10.2%

8.3%

Financial lines

1,331

1,278

4.2%

2.6%

2,424

2,357

2.9%

0.6%

Workers’ compensation

581

547

6.2%

1,207

1,185

1.9%

Commercial multiple peril (1)

537

481

11.6%

11.4%

991

897

10.5%

10.3%

Surety

247

225

10.0%

6.9%

467

425

9.9%

6.4%

Total Commercial P&C lines

7,725

7,686

0.5%

-0.9%

15,156

14,760

2.7%

0.6%

Agriculture

776

733

6.0%

1,087

1,009

7.8%

Personal homeowners

1,640

1,535

6.8%

6.0%

2,913

2,678

8.8%

7.7%

Personal automobile

861

779

10.5%

4.3%

1,716

1,470

16.8%

9.7%

Personal other

530

475

11.4%

9.0%

1,090

986

10.5%

7.2%

Total Personal lines (2)

3,031

2,789

8.6%

6.0%

5,719

5,134

11.4%

8.2%

Global A&H - P&C

882

806

9.3%

6.0%

1,805

1,629

10.8%

6.1%

Reinsurance lines

354

380

-6.7%

717

788

-9.0%

-9.3%

Total P&C

12,768

12,394

3.0%

1.4%

24,484

23,320

5.0%

2.7%

Life Insurance

1,937

1,802

7.5%

6.3%

4,226

3,522

20.0%

18.3%

Total Consolidated

14,705

14,196

3.6%

2.0%

28,710

26,842

7.0%

4.7%

(1) Commercial multiple peril represents retail package business (property and general liability).

(2) For purposes of this schedule only, certain 2025 Personal lines results have been reclassified among Personal lines categories to align with current-year reporting.

This reclassification did not impact total Personal lines results.

Product Line

Page 6

Chubb Limited

Consolidated Results

(in millions of U.S.

dollars, except ratios)

(Unaudited)

Three months ended June 30, 2026

North

America

Commercial P&C

North

America

Personal P&C

North

America

Agricultural

Overseas

General

Global

Total

Life

Total

Q2 2026

Insurance

Reinsurance

Corporate

P&C

Insurance

Consolidated

Net premiums written

5,594

2,054

776

3,990

354

12,768

1,937

14,705

% of total net premiums written

39%

14%

27%

87%

13%

100%

Net premiums earned

5,214

1,817

641

3,984

299

11,955

1,934

13,889

Adjusted losses and loss expenses

3,372

791

526

1,709

121

158

6,677

6,699

Adjusted policy benefits

106

1,374

1,480

Policy acquisition costs

730

347

1,060

2,280

352

2,632

Administrative expenses

351

399

107

955

213

1,168

Underwriting income (loss)

761

593

710

(265)

1,937

(27)

1,910

Adjusted net investment income

982

140

313

110

(9)

1,557

323

1,880

Other income (expense) - operating

(15)

(3)

(2)

(6)

(7)

(33)

Amortization expense of purchased intangibles

(1)

(2)

(6)

(22)

(34)

(65)

(9)

(74)

Segment income (loss)

1,727

728

995

182

(315)

3,396

332

3,728

Combined ratio

85.4%

67.3%

89.7%

82.2%

76.1%

83.8%

CAY combined ratio ex Cats

81.8%

69.9%

87.6%

85.2%

76.9%

82.2%

Three months ended June 30, 2025

North

America

Commercial P&C

North

America

Personal P&C

North

America

Agricultural

Overseas

General

Global

Total

Life

Total

Q2 2025

Insurance

Reinsurance

Corporate

P&C

Insurance

Consolidated

Net premiums written

5,723

1,938

733

3,620

380

12,394

1,802

14,196

% of total net premiums written

39%

14%

26%

87%

13%

100%

Net premiums earned

5,177

1,681

598

3,542

338

11,336

1,789

13,125

Adjusted losses and loss expenses

3,258

822

483

1,789

132

6,554

6,574

Adjusted policy benefits

129

1,249

1,378

Policy acquisition costs

705

332

913

2,096

319

2,415

Administrative expenses

357

369

106

926

199

1,125

Underwriting income (loss)

857

445

342

(176)

1,631

1,633

Adjusted net investment income

938

118

278

(25)

1,413

274

1,687

Other income (expense) - operating

(8)

(5)

(12)

(25)

Amortization expense of purchased intangibles

(2)

(6)

(19)

(37)

(66)

(8)

(74)

Segment income (loss)

1,785

561

596

183

(250)

2,953

305

3,258

Combined ratio

83.5%

73.5%

89.1%

90.3%

71.0%

85.6%

CAY combined ratio ex Cats

81.1%

72.2%

88.8%

85.4%

73.5%

82.3%

Consol Results - QTD

Page 7

Chubb Limited

Consolidated Results

(in millions of U.S.

dollars, except ratios)

(Unaudited)

Six months ended June 30, 2026

North

America

Commercial P&C

North

America

Personal P&C

North

America

Agricultural

Overseas

General

Global

Total

Life

Total

YTD 2026

Insurance

Reinsurance

Corporate

P&C

Insurance

Consolidated

Net premiums written

10,489

3,735

1,087

8,456

717

24,484

4,226

28,710

% of total net premiums written

37%

13%

29%

85%

15%

100%

Net premiums earned

10,362

3,563

830

7,764

625

23,144

4,202

27,346

Adjusted losses and loss expenses

6,592

1,825

579

3,361

258

173

12,788

12,838

Adjusted policy benefits

219

3,074

3,293

Policy acquisition costs

1,482

694

2,069

200

4,514

714

5,228

Administrative expenses

705

171

(2)

786

217

1,894

423

2,317

Underwriting income (loss)

1,583

873

184

1,329

150

(390)

3,729

(59)

3,670

Adjusted net investment income

1,953

277

613

218

(18)

3,090

628

3,718

Other income (expense) - operating

(29)

(6)

(2)

(12)

(16)

(65)

Amortization expense of purchased intangibles

(2)

(4)

(12)

(44)

(68)

(130)

(17)

(147)

Segment income (loss)

3,505

1,140

217

1,886

368

(492)

6,624

648

7,272

Combined ratio

84.7%

75.5%

77.8%

82.9%

76.1%

83.9%

CAY combined ratio ex Cats

81.8%

70.6%

85.4%

85.3%

75.2%

82.2%

Six months ended June 30, 2025

North

America

Commercial P&C

North

America

Personal P&C

North

America

Agricultural

Overseas

General

Global

Total

Life

Total

YTD 2025

Insurance

Reinsurance

Corporate

P&C

Insurance

Consolidated

Net premiums written

10,510

3,490

1,009

7,523

788

23,320

3,522

26,842

% of total net premiums written

39%

13%

28%

87%

13%

100%

Net premiums earned

10,165

3,255

763

6,751

706

21,640

3,485

25,125

Adjusted losses and loss expenses

6,289

2,915

575

3,186

374

13,423

13,469

Adjusted policy benefits

242

2,412

2,654

Policy acquisition costs

1,424

662

1,750

198

4,099

629

4,728

Administrative expenses

701

169

699

211

1,804

401

2,205

Underwriting income (loss)

1,751

(491)

119

874

114

(295)

2,072

(3)

2,069

Adjusted net investment income

1,867

238

559

155

(50)

2,812

545

3,357

Other income (expense) - operating

(16)

(1)

(11)

(20)

(49)

Amortization expense of purchased intangibles

(3)

(4)

(12)

(38)

(74)

(131)

(18)

(149)

Segment income (loss)

3,599

(258)

149

1,384

269

(439)

4,704

596

5,300

Combined ratio

82.8%

115.1%

84.4%

87.0%

83.8%

90.4%

CAY combined ratio ex Cats

81.2%

73.6%

86.7%

85.5%

73.9%

82.3%

Consol Results - YTD

Page 8

Chubb Limited

Segment Results - Consecutive Quarters

(in

millions of U.S. dollars, except ratios)

(Unaudited)

North America Commercial P&C Insurance

YTD

Full Year

2Q-26

1Q-26

4Q-25

3Q-25

2Q-25

2026

2025

Gross premiums written

7,194

5,890

6,177

6,652

7,038

13,084

12,734

25,563

Net premiums written

5,594

4,895

5,107

5,663

5,723

10,489

10,510

21,280

Net premiums earned

5,214

5,148

5,136

5,080

5,177

10,362

10,165

20,381

Losses and loss expenses

3,372

3,220

2,941

3,083

3,258

6,592

6,289

12,313

Policy acquisition costs

730

752

759

708

705

1,482

1,424

2,891

Administrative expenses

351

354

345

348

357

705

701

1,394

Underwriting income

761

822

1,091

941

857

1,583

1,751

3,783

Adjusted net investment income

982

971

995

978

938

1,953

1,867

3,840

Other income (expense) - operating

(15

)

(14

)

(33

)

(10

)

(29

)

(16

)

(59

)

Amortization expense of purchased intangibles

)

Segment income

1,727

1,778

2,052

1,908

1,785

3,505

3,599

7,559

CAY underwriting income ex Cats

952

935

1,045

987

980

1,887

1,914

3,946

Combined ratio

Loss and loss expense ratio

64.7%

62.5%

57.2%

60.7%

62.9%

63.6%

61.9%

60.4%

Policy acquisition cost ratio

14.0%

14.6%

14.8%

13.9%

13.7%

14.3%

14.0%

14.2%

Administrative expense ratio

6.7%

6.9%

6.8%

6.9%

6.8%

6.9%

6.8%

Combined ratio

85.4%

84.0%

78.8%

81.5%

83.5%

84.7%

82.8%

81.4%

CAY combined ratio ex Cats

CAY loss and loss expense ratio ex Cats

61.1%

60.4%

58.6%

60.4%

60.6%

60.7%

60.3%

59.9%

CAY policy acquisition cost and administrative expense ratio ex Cats

20.7%

21.4%

21.3%

20.4%

20.5%

21.1%

20.9%

CAY combined ratio ex Cats

81.8%

79.9%

80.8%

81.1%

81.8%

81.2%

80.8%

Net catastrophe losses - pre-tax

302

202

129

229

504

383

584

Unfavorable (favorable) prior period development (PPD) -

pre-tax

(111

)

(89

)

(175

)

(26

)

(106

)

(200

)

(220

)

(421

)

% Change versus prior year period

Net premiums written

-2.3%

2.3%

4.3%

2.9%

4.1%

-0.2%

3.1%

3.4%

Net premiums earned

0.7%

3.2%

0.4%

-0.6%

5.7%

1.9%

3.9%

1.9%

Other ratios

Net premiums written/gross premiums written

78%

83%

85%

81%

80%

83%

Production by Size - Net premiums written

(1)

Major Accounts & Specialty

3,257

2,772

3,003

3,379

3,578

6,029

6,309

12,691

Commercial

2,337

2,123

2,104

2,284

2,145

4,460

4,201

8,589

Total

5,594

4,895

5,107

5,663

5,723

10,489

10,510

21,280

(1) Major Accounts & Specialty: large corporate accounts and wholesale business. Commercial: principally middle market and small

commercial accounts.

NA Commercial

Page 9

Chubb Limited

Segment Results - Consecutive Quarters

(in

millions of U.S. dollars, except ratios)

(Unaudited)

North America Personal P&C Insurance

YTD

Full Year

2Q-26

1Q-26

4Q-25

3Q-25

2Q-25

2026

2025

Gross premiums written

2,315

1,934

1,984

2,078

2,208

4,249

4,048

8,110

Net premiums written

2,054

1,681

1,720

1,814

1,938

3,735

3,490

7,024

Net premiums earned

1,817

1,746

1,767

1,741

1,681

3,563

3,255

6,763

Losses and loss expenses

791

1,034

889

713

822

1,825

2,915

4,517

Policy acquisition costs

347

336

339

332

694

662

1,337

Administrative expenses

171

169

336

Underwriting income (loss)

593

280

457

607

445

873

(491

)

573

Net investment income

140

137

125

123

118

277

238

486

Other income (expense) - operating

)

Amortization expense of purchased intangibles

)

Segment income (loss)

728

412

579

727

561

1,140

(258

)

1,048

CAY underwriting income ex Cats

546

501

533

486

466

1,047

872

1,891

Combined ratio

Loss and loss expense ratio

43.5%

59.3%

50.4%

41.0%

48.9%

51.2%

89.5%

66.8%

Policy acquisition cost ratio

19.1%

19.9%

18.9%

19.4%

19.7%

19.5%

20.4%

19.7%

Administrative expense ratio

4.7%

4.8%

4.7%

4.9%

4.8%

5.2%

5.0%

Combined ratio

67.3%

84.0%

74.1%

65.1%

73.5%

75.5%

115.1%

91.5%

CAY combined ratio ex Cats

CAY loss and loss expense ratio ex Cats

46.1%

46.6%

46.2%

48.0%

47.6%

46.3%

48.4%

47.7%

CAY policy acquisition cost and administrative expense ratio ex Cats

23.8%

24.7%

23.7%

24.1%

24.6%

24.3%

25.2%

24.6%

CAY combined ratio ex Cats

69.9%

71.3%

69.9%

72.1%

72.2%

70.6%

73.6%

72.3%

Net catastrophe losses - pre-tax

126

222

161

142

348

1,484

1,721

Unfavorable (favorable) prior period development (PPD) -

pre-tax

(173

)

(282

)

(121

)

(174

)

(121

)

(403

)

% Change versus prior year period

Net premiums written

6.0%

8.3%

6.1%

8.1%

9.1%

7.0%

8.0%

7.5%

Net premiums earned

8.1%

10.9%

8.5%

10.5%

11.1%

9.5%

9.1%

9.3%

Other ratios

Net premiums written/gross premiums written

89%

87%

88%

86%

87%

NA Personal

Page 10

Chubb Limited

Segment Results - Consecutive Quarters

(in

millions of U.S. dollars, except ratios)

(Unaudited)

North America Agricultural Insurance

YTD

Full Year

2Q-26

1Q-26

4Q-25

3Q-25

2Q-25

2026

2025

Gross premiums written

1,112

501

607

2,516

1,110

1,613

1,544

4,667

Net premiums written

776

311

459

1,458

733

1,087

1,009

2,926

Net premiums earned

641

189

661

1,495

598

830

763

2,919

Adjusted losses and loss expenses

526

440

1,224

483

579

575

2,239

Policy acquisition costs

169

Administrative expenses

)

(15

)

Underwriting income

118

218

180

184

119

517

Net investment income

Other income (expense) - operating

)

Amortization expense of purchased intangibles

)

(12

)

(12

)

(24

)

Segment income

138

234

194

217

149

577

CAY underwriting income ex Cats

164

154

122

102

420

Combined ratio

Loss and loss expense ratio

82.0%

27.9%

66.5%

81.9%

80.8%

69.7%

75.4%

76.7%

Policy acquisition cost ratio

7.2%

12.6%

2.8%

5.8%

7.9%

8.4%

8.5%

5.8%

Administrative expense ratio

0.5%

-3.0%

-2.3%

0.3%

0.4%

-0.3%

0.5%

-0.2%

Combined ratio

89.7%

37.5%

67.0%

88.0%

89.1%

77.8%

84.4%

82.3%

CAY combined ratio ex Cats

CAY loss and loss expense ratio ex Cats

80.0%

68.0%

66.2%

83.6%

80.5%

77.3%

78.5%

CAY policy acquisition cost and administrative expense ratio ex Cats

7.6%

9.6%

3.8%

6.1%

8.3%

8.1%

9.4%

6.5%

CAY combined ratio ex Cats

87.6%

77.6%

70.0%

89.7%

88.8%

85.4%

86.7%

85.0%

Net catastrophe losses - pre-tax

Unfavorable (favorable) prior period development (PPD) -

pre-tax

(80

)

(58

)

(30

)

(80

)

(33

)

(121

)

% Change versus prior year period

Net premiums written

6.0%

12.7%

45.1%

5.6%

-3.3%

7.8%

0.2%

8.2%

Net premiums earned

7.2%

14.6%

24.0%

5.4%

-4.3%

8.8%

1.2%

7.9%

Other ratios

Net premiums written/gross premiums written

70%

62%

76%

58%

66%

67%

65%

63%

NA Agriculture

Page 11

Chubb Limited

Segment Results - Consecutive Quarters

(in

millions of U.S. dollars, except ratios)

(Unaudited)

Overseas General Insurance

2Q-26

1Q-26

4Q-25

3Q-25

2Q-25

YTD

2026

YTD

2025

Full Year

2025

Gross premiums written

4,903

5,478

4,608

4,496

4,588

10,381

9,492

18,596

Net premiums written

3,990

4,466

3,806

3,695

3,620

8,456

7,523

15,024

Net premiums earned

3,984

3,780

3,820

3,803

3,542

7,764

6,751

14,374

Losses and loss expenses

1,709

1,652

1,696

1,707

1,789

3,361

3,186

6,589

Policy benefits

106

113

109

119

129

219

242

470

Policy acquisition costs

1,060

1,009

999

975

913

2,069

1,750

3,724

Administrative expenses

399

387

368

369

786

699

1,435

Underwriting income

710

619

648

634

342

1,329

874

2,156

Adjusted net investment income

313

300

292

288

278

613

559

1,139

Other income (expense) - operating

)

(31

)

(12

)

(11

)

(50

)

Amortization expense of purchased intangibles

(22

)

(22

)

(20

)

(20

)

(19

)

(44

)

(38

)

(78

)

Segment income

995

891

889

894

596

1,886

1,384

3,167

CAY underwriting income ex Cats

589

552

615

592

517

1,141

983

2,190

Combined ratio

Loss and loss expense ratio

45.6%

46.7%

47.3%

48.0%

54.2%

46.1%

50.8%

49.1%

Policy acquisition cost ratio

26.6%

26.7%

26.1%

25.6%

25.7%

26.7%

25.9%

Administrative expense ratio

10.0%

10.2%

9.6%

9.7%

10.4%

10.1%

10.3%

10.0%

Combined ratio

82.2%

83.6%

83.0%

83.3%

90.3%

82.9%

87.0%

85.0%

CAY combined ratio ex Cats

CAY loss and loss expense ratio ex Cats

48.7%

48.6%

48.4%

49.1%

49.3%

48.6%

49.2%

49.0%

CAY policy acquisition cost and administrative expense ratio ex Cats

36.5%

36.8%

35.6%

35.3%

36.1%

36.7%

36.3%

35.8%

CAY combined ratio ex Cats

85.2%

85.4%

84.0%

84.4%

85.4%

85.3%

85.5%

84.8%

Net catastrophe losses - pre-tax

156

252

307

505

Unfavorable (favorable) prior period development (PPD) -

pre-tax

(146

)

(131

)

(189

)

(84

)

(77

)

(277

)

(198

)

(471

)

% Change versus prior year period

Net premiums written

10.2%

14.4%

10.8%

9.7%

8.5%

12.4%

4.9%

7.5%

Net premiums written - Commercial

8.8%

10.8%

5.6%

5.8%

6.0%

9.9%

4.7%

5.2%

Net premiums written - Consumer

12.1%

20.5%

18.7%

15.5%

12.2%

16.2%

5.2%

11.0%

Net premiums earned

12.5%

17.8%

11.3%

11.2%

5.8%

15.0%

3.1%

7.3%

Net premiums written constant $

4.8%

6.1%

8.1%

7.4%

10.2%

5.5%

8.2%

8.0%

Net premiums written - Commercial

3.9%

3.1%

3.3%

3.9%

6.8%

3.5%

7.1%

5.3%

Net premiums written - Consumer

5.8%

11.1%

15.4%

12.6%

15.3%

8.4%

10.1%

12.0%

Net premiums earned constant $

6.7%

9.6%

8.4%

7.4%

8.1%

6.3%

7.4%

Other ratios: Net premiums written/gross premiums written

81%

82%

83%

82%

79%

81%

79%

81%

Production by Region - Net premiums written

2Q-26

2Q-25

% Change

Constant $

% Change

YTD

2026

YTD

2025

% Change

Constant $

% Change

Europe, Middle East and Africa

1,628

1,548

5.1%

1.1%

3,845

3,463

11.0%

3.8%

Latin America

859

743

15.6%

5.7%

1,726

1,479

16.7%

6.5%

Asia

1,473

1,316

12.0%

7.2%

2,817

2,514

12.0%

7.3%

Other (1)

142.4%

125.0%

2.8%

-0.6%

Total

3,990

3,620

10.2%

4.8%

8,456

7,523

12.4%

5.5%

(1) Includes the international supplemental A&H run-off business of Combined Insurance and

other international operations.

Overseas General Insurance

Page 12

Chubb Limited

Segment Results - Consecutive Quarters

(in

millions of U.S. dollars, except ratios)

(Unaudited)

Global Reinsurance

2Q-26

1Q-26

4Q-25

3Q-25

2Q-25

YTD

2026

YTD

2025

Full Year

2025

Gross premiums written

429

403

236

332

466

832

919

1,487

Net premiums written

354

363

217

304

380

717

788

1,309

Net premiums earned

299

326

332

315

338

625

706

1,353

Losses and loss expenses

121

137

127

139

132

258

374

640

Policy acquisition costs

102

200

198

396

Administrative expenses

Underwriting income

150

114

280

Adjusted net investment income

110

108

100

218

155

354

Segment income

182

186

194

171

183

368

269

634

CAY underwriting income ex Cats

155

180

344

Combined ratio

Loss and loss expense ratio

40.6%

41.9%

38.5%

43.8%

39.0%

41.3%

53.0%

47.3%

Policy acquisition cost ratio

32.7%

31.3%

30.9%

30.5%

29.1%

32.0%

28.0%

29.3%

Administrative expense ratio

2.8%

2.2%

3.1%

2.9%

2.8%

2.7%

Combined ratio

76.1%

76.0%

71.6%

77.4%

71.0%

76.1%

83.8%

79.3%

CAY combined ratio ex Cats

CAY loss and loss expense ratio ex Cats

42.1%

40.1%

41.4%

42.0%

41.5%

41.1%

42.4%

42.1%

CAY policy acquisition cost and administrative expense ratio ex Cats

34.8%

33.6%

32.5%

33.6%

32.0%

34.1%

31.5%

32.2%

CAY combined ratio ex Cats

76.9%

73.7%

73.9%

75.6%

73.5%

75.2%

73.9%

74.3%

Net catastrophe losses - pre-tax

Unfavorable (favorable) prior period development (PPD) -

pre-tax

(11

)

(15

)

(11

)

(15

)

(23

)

% Change versus prior year period

Net premiums written

-6.7%

-11.2%

-3.9%

-13.5%

-7.6%

-9.0%

2.4%

-2.8%

Net premiums earned

-11.5%

-11.4%

3.2%

-0.5%

-0.3%

-11.5%

11.4%

6.4%

Net premiums written constant $

-6.7%

-11.7%

-4.2%

-13.8%

-7.8%

-9.3%

2.3%

-3.0%

Net premiums earned constant $

-11.5%

-12.1%

2.9%

-0.9%

-0.6%

-11.8%

11.4%

6.2%

Other ratios

Net premiums written/gross premiums written

83%

90%

91%

92%

82%

86%

88%

Global Reinsurance

Page 13

Chubb Limited

Segment Results - Consecutive Quarters

(in

millions of U.S. dollars)

(Unaudited)

Life Insurance

2Q-26

1Q-26

4Q-25

3Q-25

2Q-25

YTD

2026

YTD

2025

Full Year

2025

Gross premiums written

1,994

2,345

1,884

1,995

1,866

4,339

3,644

7,523

Net premiums written

1,937

2,289

1,825

1,932

1,802

4,226

3,522

7,279

Net premiums earned

1,934

2,268

1,814

1,925

1,789

4,202

3,485

7,224

Losses and loss expenses

109

Adjusted policy benefits

1,374

1,700

1,246

1,303

1,249

3,074

2,412

4,961

Policy acquisition costs

352

362

342

359

319

714

629

1,330

Administrative expenses

213

210

222

213

199

423

401

836

Adjusted net investment income

323

305

298

284

274

628

545

1,127

Other income (expense) - operating (1)

165

Amortization expense of purchased intangibles

)

(10

)

(10

)

(17

)

(18

)

(38

)

Segment income

332

316

322

324

305

648

596

1,242

% Change versus prior year period

Net premiums written

7.5%

33.1%

16.9%

24.6%

14.1%

20.0%

9.6%

15.1%

Net premiums earned

8.1%

33.7%

15.9%

25.8%

14.2%

20.6%

9.6%

15.1%

Net premiums written constant $

6.3%

30.8%

18.3%

23.5%

17.3%

18.3%

13.8%

17.3%

Net premiums earned constant $

6.8%

31.5%

17.3%

24.7%

17.5%

18.9%

13.8%

17.4%

International life insurance net premiums written and deposits

breakdown (excludes Chubb Benefits and Life reinsurance businesses):

2Q-26

2Q-25

% Change

Constant $

% Change

YTD

2026

YTD

2025

% Change

Constant $

% Change

International life insurance net premiums written

1,592

1,499

6.2%

4.9%

3,536

2,920

21.1%

19.2%

International life insurance deposits (2)

715

518

38.3%

35.9%

1,464

1,273

15.1%

12.0%

Total international life insurance net premiums written and deposits

2,307

2,017

14.4%

12.9%

5,000

4,193

19.3%

17.0%

International life insurance segment income

270

239

13.0%

13.3%

533

469

13.7%

13.1%

(1) Includes non-premium revenue and expenses unrelated to our core insurance operations from the

management of third-party assets by Huatai’s asset management businesses.

(2) Includes deposits collected on universal life and investment contracts.

Consistent with U.S. GAAP, premiums collected on universal life and investment contracts are considered deposits and excluded from revenues.

Life Insurance

Page 14

Chubb Limited

Segment Results - Consecutive Quarters

(in

millions of U.S. dollars)

(Unaudited)

Corporate

2Q-26

1Q-26

4Q-25

3Q-25

2Q-25

YTD

2026

YTD

2025

Full Year

2025

Adjusted loss and loss expenses

158

164

173

309

Administrative expenses

107

110

148

113

106

217

211

472

Underwriting loss

(265

)

(125

)

(312

)

(174

)

(176

)

(390

)

(295

)

(781

)

Adjusted net investment income

)

(18

)

(17

)

(25

)

(18

)

(50

)

(85

)

Other income (expense) - operating

)

(14

)

(12

)

(16

)

(20

)

(37

)

Adjusted interest expense

(205

)

(203

)

(210

)

(203

)

(186

)

(408

)

(372

)

(785

)

Amortization expense of purchased intangibles

(34

)

(34

)

(38

)

(36

)

(37

)

(68

)

(74

)

(148

)

Integration expenses and severance

)

(76

)

(17

)

(79

)

Amortization of fair value adjustment of acquired invested assets and long-term debt

Adjusted net realized gains (losses)

100

(356

)

201

247

662

(256

)

559

1,007

Market risk benefits gains (losses)

(37

)

(142

)

(17

)

(109

)

(288

)

Income tax expense

(742

)

(646

)

(597

)

(787

)

(717

)

(1,388

)

(1,038

)

(2,422

)

Less: NCI income (loss)

(37

)

306

312

Net loss

(1,189

)

(1,401

)

(1,060

)

(1,417

)

(540

)

(2,590

)

(1,440

)

(3,917

)

Unfavorable (favorable) prior period development (PPD) -

pre-tax

158

162

173

306

Corporate

Page 15

Chubb Limited

Loss Reserve Rollforward

(in millions of U.S.

dollars, except ratios)

(Unaudited)

Unpaid Losses

Net Paid to

Gross

Ceded

Net

Incurred Ratio

Balance at December 31, 2024

84,004

17,734

66,270

Losses and loss expenses incurred

8,654

1,758

6,896

Losses and loss expenses paid

(7,466

)

(1,462

)

(6,004

)

87%

Other (incl. foreign exch. revaluation)

279

228

Balance at March 31, 2025

85,471

18,081

67,390

Losses and loss expenses incurred

7,661

1,089

6,572

Losses and loss expenses paid

(7,620

)

(1,682

)

(5,938

)

90%

Other (incl. foreign exch. revaluation)

864

203

661

Balance at June 30, 2025

86,376

17,691

68,685

Losses and loss expenses incurred

8,827

1,876

6,951

Losses and loss expenses paid

(6,934

)

(1,190

)

(5,744

)

83%

Other (incl. foreign exch. revaluation)

170

126

Balance at September 30, 2025

88,439

18,421

70,018

Losses and loss expenses incurred

8,168

1,887

6,281

Losses and loss expenses paid

(8,555

)

(1,948

)

(6,607

)

105%

Other (incl. foreign exch. revaluation)

(34

)

(14

)

(20

)

Balance at December 31, 2025

88,018

18,346

69,672

Losses and loss expenses incurred

7,481

1,350

6,131

Losses and loss expenses paid

(6,822

)

(1,491

)

(5,331

)

87%

Other (incl. foreign exch. revaluation)

238

190

Balance at March 31, 2026

88,915

18,253

70,662

Losses and loss expenses incurred

8,114

1,423

6,691

Losses and loss expenses paid

(7,221

)

(1,199

)

(6,022

)

90%

Other (incl. foreign exch. revaluation)

(139

)

(24

)

(115

)

Balance at June 30, 2026

89,669

18,453

71,216

Add net recoverable on paid losses

1,831

(1,831

)

Balance including net recoverable on paid losses

89,669

20,284

69,385

Loss Reserve Rollforward

Page 16

Chubb Limited

Reinsurance Recoverable Analysis

(in millions

of U.S. dollars)

(Unaudited)

Net Reinsurance

Recoverable by Division

June 30

March 31

December 31

2026

2025

Reinsurance recoverable on paid losses and loss expenses

Active operations

1,421

1,484

1,570

Brandywine and Other Run-off

461

486

494

Total

1,882

1,970

2,064

Reinsurance recoverable on unpaid losses and loss expenses

Active operations

17,644

17,445

17,503

Brandywine and Other Run-off

1,082

1,064

1,091

Total

18,726

18,509

18,594

Gross reinsurance recoverable

Active operations

19,065

18,929

19,073

Brandywine and Other Run-off

1,543

1,550

1,585

Total

20,608

20,479

20,658

Provision for uncollectible reinsurance (1)

Active operations

(229

)

(225

)

(229

)

Brandywine and Other Run-off

(95

)

(95

)

(91

)

Total

(324

)

(320

)

(320

)

Net reinsurance recoverable

Active operations

18,836

18,704

18,844

Brandywine and Other Run-off

1,448

1,455

1,494

Total

20,284

20,159

20,338

(1) The provision for uncollectible reinsurance is based on a default analysis applied to gross reinsurance, net of usable collateral of

approximately $3.7 billion.

Reinsurance Recoverable

Page 17

Chubb Limited

Investment Portfolio

(in millions of U.S.

dollars)

(Unaudited)

June 30

March 31

December 31

2026

2025

Market Value

Fixed maturities available for sale

125,518

123,433

122,680

Other investments-fixed maturities

7,763

8,433

8,091

Short-term investments

5,458

5,067

4,840

Total fixed maturities

138,739

136,933

135,611

Asset Allocation by Market Value

U.S. and local government securities

3,594

3,697

3,714

Corporate and asset-backed securities

47,927

47,832

47,886

Mortgage-backed securities

32,625

31,322

30,724

Non-U.S.

49,135

49,015

48,447

Short-term investments

5,458

5,067

4,840

Total fixed maturities

138,739

100

136,933

100

135,611

100

Credit Quality by Market Value

AAA

13,542

13,258

13,313

42,512

41,208

40,720

36,488

36,350

35,184

BBB

25,882

24,376

23,584

11,782

12,576

12,948

8,258

8,766

9,469

Other

275

399

393

Total fixed maturities

138,739

100

136,933

100

135,611

100

Cost/Amortized Cost, net

Fixed maturities available for sale

128,980

127,251

124,674

Other investments-fixed maturities

7,763

8,433

8,091

Short-term investments

5,459

5,067

4,840

Subtotal fixed maturities (1)

142,202

140,751

137,605

Equity securities

11,014

10,916

10,801

Private debt

held-for-investment (1)

2,252

2,477

2,411

Private equities and other

20,644

19,869

19,897

Total investment portfolio

176,112

174,013

170,714

Avg. duration of fixed maturities (2)

4.8 years

4.7 years

Avg. market yield of fixed income investments

(3)

5.5%

5.2%

Avg. credit quality

A/A

Avg. book yield of fixed income investments (3)

5.1%

(1) Net of valuation allowance for expected credit losses.

(2) Excludes Huatai.

(3) Includes fixed maturities and other debt investments

and excludes Huatai.

Investments

Page 18

Chubb Limited

Investment Portfolio - 2

(in millions of U.S.

dollars)

(Unaudited)

Mortgage-backed Fixed

Income Portfolio

Mortgage-backed securities

S&P Credit Rating

AAA

BBB

BB and below

Total

Market Value at June 30, 2026

Agency residential mortgage-backed securities (RMBS)

29,179

29,234

Non-agency RMBS

2,092

211

192

2,542

Commercial mortgage-backed securities

673

109

849

Total mortgage-backed securities at market value

2,820

29,499

252

32,625

U.S. Corporate and Asset-backed Fixed Income Portfolios

Market Value at June 30, 2026

S&P Credit Rating

Investment Grade

AAA

BBB

Total

Asset-backed

3,806

771

335

241

5,153

Banks

2,671

2,097

4,777

Basic Materials

108

255

363

Communications

410

609

1,439

2,458

Consumer, Cyclical

169

677

1,111

1,966

Consumer, Non-Cyclical

623

3,129

2,047

5,869

Diversified Financial Services

128

568

255

951

Energy

114

604

1,612

2,330

Industrial

708

1,500

2,215

Utilities

286

1,813

1,665

3,778

All Others

102

381

1,513

1,891

3,887

Total

4,273

2,626

12,735

14,113

33,747

Market Value at June 30, 2026

S&P Credit Rating

Below Investment Grade

CCC

Total

Asset-backed

112

126

Banks

Basic Materials

415

295

719

Communications

565

563

1,157

Consumer, Cyclical

1,493

918

2,451

Consumer, Non-Cyclical

1,463

1,241

2,741

Diversified Financial Services

546

295

846

Energy

780

544

1,324

Industrial

1,216

801

2,076

Utilities

335

122

457

All Others

971

1,263

2,283

Total

7,797

6,154

229

14,180

Investments 2

Page 19

Chubb Limited

Investment Portfolio - 3

(in millions of U.S.

dollars)

(Unaudited)

Non-U.S. Fixed Income Portfolio

June 30, 2026

Non-U.S. Government Securities

Market Value by S&P Credit Rating

AAA

BBB

BB and below

Total

People’s Republic of China

167

2,403

2,570

Republic of Korea

1,515

Kingdom of Thailand

1,022

Canada

860

United Mexican States

803

Taiwan

737

Federative Republic of Brazil

643

Commonwealth of Australia

618

Province of Hunan China

569

Province of Ontario

529

Other Non-U.S. Government Securities

636

2,106

3,047

1,225

1,516

8,530

Total

2,114

5,054

7,041

2,028

2,159

18,396

Non-U.S. Corporate Securities

Market Value by S&P Credit Rating

AAA

BBB

BB and below

Total

China

7,551

630

8,192

United Kingdom

1,247

1,067

426

2,776

Canada

246

1,084

921

441

2,752

France

979

768

259

2,016

United States (1)

152

380

598

501

1,631

South Korea

435

349

533

1,318

Australia

287

473

464

1,307

Japan

777

400

100

1,278

Chile

217

503

722

Germany

189

289

692

Other Non-U.S. Corporate Securities

556

769

1,879

3,190

1,661

8,055

Total

925

1,830

15,125

9,363

3,496

30,739

(1) Countries represent the ultimate parent company’s country of risk. Non-U.S. corporate

securities could be issued by foreign subsidiaries of U.S. corporations.

Investments 3

Page 20

Chubb Limited

Investment Portfolio - 4

(in millions of U.S.

dollars)

(Unaudited)

Fixed

Maturity Investment Portfolio

Top 10 Global Corporate Exposures

June 30, 2026

Market Value

Rating

Bank of America Corp

829

A-

Morgan Stanley

752

A-

JP Morgan Chase & Co

689

Goldman Sachs Group Inc

571

BBB+

Citigroup Inc

556

BBB+

Wells Fargo & Co

541

BBB+

Verizon Communications Inc

422

BBB+

AT&T Inc

397

BBB

T-Mobile USA Inc

389

BBB+

Comcast Corp

359

A-

Investments 4

Page 21

Chubb Limited

Chubb Net Realized and Unrealized Gains (Losses)

(in millions of U.S. dollars)

(Unaudited)

Three months ended June 30, 2026

Realized Gains (Losses)

Unrealized Gains (Losses)

Realized and Unrealized Gains (Losses)

Gains

Tax

Gains

Tax

Gains

Tax

Gains

(Losses)

(Expense)

(Losses)

(Expense)

(Losses)

(Expense)

(Losses)

Pre-Tax

Benefit

After-Tax

Pre-Tax

Benefit

After-Tax

Pre-Tax

Benefit

After-Tax

Fixed income investments (1)

(114

)

(97

)

350

(21

)

329

236

)

232

Public equity:

Realized gains (losses) on sales

Mark-to-market

(27

)

(27

)

Private equity:

Mark-to-market

(23

)

(23

)

Total investment portfolio

(32

)

350

(21

)

329

441

(53

)

388

Foreign exchange

(18

)

(17

)

(247

)

(237

)

(265

)

(254

)

Partially-owned entities (2)

)

Current discount rate on future policy benefits

(129

)

(137

)

(129

)

(137

)

Instrument-specific credit risk - market risk benefits

Other

)

Net gains (losses)

(32

)

(27

)

(13

)

(59

)

(1) The quarter includes pre-tax realized losses on investment derivatives of $55 million, a

net decrease of the valuation allowance of expected credit losses of $2 million, and impairments of $25 million.

(2) Partially-owned entities are

investments where we hold more than an insignificant percentage of the investee’s shares. Refer to the Non-GAAP financial measures section for additional details.

Three months ended June 30, 2025

Realized Gains (Losses)

Unrealized Gains (Losses)

Realized and Unrealized Gains (Losses)

Gains

Tax

Gains

Tax

Gains

Tax

Gains

(Losses)

(Expense)

(Losses)

(Expense)

(Losses)

(Expense)

(Losses)

Pre-Tax

Benefit

After-Tax

Pre-Tax

Benefit

After-Tax

Pre-Tax

Benefit

After-Tax

Fixed income investments (3)

(21

)

982

(50

)

932

1,079

(71

)

1,008

Public equity:

Realized gains (losses) on sales

)

Mark-to-market

(10

)

(10

)

Private equity:

Mark-to-market

513

(78

)

435

513

(78

)

435

Total investment portfolio

729

(118

)

611

982

(50

)

932

1,711

(168

)

1,543

Foreign exchange

(89

)

(66

)

763

766

674

700

Partially-owned entities (4)

)

Current discount rate on future policy benefits

(110

)

(101

)

(110

)

(101

)

Instrument-specific credit risk - market risk benefits

Other

)

(26

)

(21

)

(32

)

(26

)

Net gains (losses)

633

(94

)

539

1,610

(33

)

1,577

2,243

(127

)

2,116

(3) The quarter includes pre-tax realized losses on investment derivatives of $153 million,

a net increase of the valuation allowance of expected credit losses of $8 million, and impairments of $5 million.

(4) Partially-owned entities are

investments where we hold more than an insignificant percentage of the investee’s shares. Refer to the Non-GAAP financial measures section for additional details.

Net Gains (Losses)

Page 22

Chubb Limited

Chubb Net Realized and Unrealized Gains (Losses)

(in millions of U.S. dollars)

(Unaudited)

Six months ended June 30, 2026

Realized Gains (Losses)

Unrealized Gains (Losses)

Realized and Unrealized Gains (Losses)

Gains

Tax

Gains

Tax

Gains

Tax

Gains

(Losses)

(Expense)

(Losses)

(Expense)

(Losses)

(Expense)

(Losses)

Pre-Tax

Benefit

After-Tax

Pre-Tax

Benefit

After-Tax

Pre-Tax

Benefit

After-Tax

Fixed income investments (1)

(347

)

(285

)

(1,474

)

189

(1,285

)

(1,821

)

251

(1,570

)

Public equity:

Realized gains (losses) on sales

134

(17

)

117

134

(17

)

117

Mark-to-market

(176

)

(151

)

(176

)

(151

)

Private equity:

Mark-to-market

132

(75

)

132

(75

)

Total investment portfolio

(257

)

(262

)

(1,474

)

189

(1,285

)

(1,731

)

184

(1,547

)

Foreign exchange

(25

)

(24

)

112

116

Partially-owned entities (2)

)

Current discount rate on future policy benefits

249

(69

)

180

249

(69

)

180

Instrument-specific credit risk - market risk benefits

)

Other

(16

)

(12

)

Net gains (losses)

(302

)

(302

)

(1,067

)

114

(953

)

(1,369

)

114

(1,255

)

(1) Year to date includes pre-tax realized losses on investment derivatives of $170 million, a

net decrease of the valuation allowance of expected credit losses of $4 million, and impairments of $57 million.

(2) Partially-owned entities are

investments where we hold more than an insignificant percentage of the investee’s shares. Refer to the Non-GAAP financial measures section for additional details.

Six months ended June 30, 2025

Realized Gains (Losses)

Unrealized Gains (Losses)

Realized and Unrealized Gains (Losses)

Gains

Tax

Gains

Tax

Gains

Tax

Gains

(Losses)

(Expense)

(Losses)

(Expense)

(Losses)

(Expense)

(Losses)

Pre-Tax

Benefit

After-Tax

Pre-Tax

Benefit

After-Tax

Pre-Tax

Benefit

After-Tax

Fixed income investments (3)

)

1,891

(111

)

1,780

1,905

(113

)

1,792

Public equity:

Realized gains (losses) on sales

)

Mark-to-market

160

(20

)

140

160

(20

)

140

Private equity:

Mark-to-market

502

(77

)

425

502

(77

)

425

Total investment portfolio

693

(105

)

588

1,891

(111

)

1,780

2,584

(216

)

2,368

Foreign exchange

(154

)

(104

)

1,115

)

1,106

961

1,002

Partially-owned entities (4)

Current discount rate on future policy benefits

(228

)

(207

)

(228

)

(207

)

Instrument-specific credit risk - market risk benefits

)

Other

(11

)

(121

)

(97

)

(132

)

(106

)

Net gains (losses)

529

(53

)

476

2,662

(76

)

2,586

3,191

(129

)

3,062

(3) Year to date includes pre-tax realized losses on investment derivatives of $130 million,

a net increase of the valuation allowance of expected credit losses of $1 million, and impairments of $12 million.

(4) Partially-owned entities are

investments where we hold more than an insignificant percentage of the investee’s shares. Refer to the Non-GAAP financial measures section for additional details.

Net Gains (Losses) 2

Page 23

Chubb Limited

Debt and Capital

(in millions of U.S. dollars,

except ratios)

(Unaudited)

June 30

March 31

December 31

2026

2025

2024

Financial debt:

Total short-term debt (1)

663

1,500

1,499

800

Total long-term debt (1) (2)

17,452

15,970

15,728

14,379

Total financial debt

18,115

17,470

17,227

15,179

Hybrid debt:

Total trust preferred securities

309

Total subordinated debt (3)

118

116

113

110

Total hybrid debt

427

425

422

419

Total

18,542

17,895

17,649

15,598

Capitalization:

Chubb shareholders’ equity

75,372

73,788

73,757

64,021

Hybrid debt

427

425

422

419

Financial debt

18,115

17,470

17,227

15,179

Total capitalization

93,914

91,683

91,406

79,619

Less: Chubb unrealized gains (losses) on investments, net of deferred tax

(3,282

)

(3,611

)

(1,997

)

(4,552

)

Total adjusted capitalization

97,196

95,294

93,403

84,171

Leverage ratios (based on total adjusted capital):

Hybrid debt

0.5%

0.4%

0.5%

Financial debt

18.6%

18.3%

18.4%

18.0%

Total hybrid & financial debt

19.1%

18.8%

18.5%

(1) During Q2 2026, the $1.5 billion 3.35% senior notes matured and were fully paid. In addition, the €575 million 0.875% senior notes due to mature in June 2027 were reclassified to short-term debt.

(2) In May,

the company issued CNH 4.0 billion of senior unsecured notes (approximately $587 million) consisting of CNH 2.5 billion in notes due 2031 and CNH 1.5 billion in notes due 2036. The interest rates were 2.40% and 2.85%, respectively.

The company also issued $1.0 billion in senior unsecured notes due 2036. The interest rate was 5.30%.

In June, the company issued CAD 800 million of senior

unsecured notes (approximately $572 million) consisting of CAD 400 million in notes due 2031 and CAD 400 million in notes due 2033. The interest rates were 3.78% and 4.03%, respectively.

The use of proceeds for these offerings was general corporate purposes, which may include the repayment and refinancing of debt.

(3) Capital Supplementary Bonds issued by Huatai Life. For purposes of calculating leverage ratios, Huatai debt is based on Chubb’s share (excluding non-controlling interest).

Debt and Capital

Page 24

Chubb Limited

Computation of Basic and Diluted Earnings Per Share

(in millions of U.S. dollars, except share and per share data)

(Unaudited)

Three months ended June 30

Six months ended June 30

2026

2025

2026

2025

Numerator

Core operating income

2,842

2,480

5,531

3,969

Amortization of fair value adjustment of acquired invested assets and long-term debt, pre-tax

Tax (expense) benefit on amortization adjustment

)

Integration expenses and severance, pre-tax

)

(17

)

Tax (expense) benefit on integration expenses and severance

Adjusted net realized gains (losses), pre-tax

633

(302

)

529

Tax (expense) benefit on adjusted net realized gains (losses)

(32

)

(94

)

(53

)

Market risk benefits gains (losses), pre-tax

(17

)

(109

)

Tax (expense) benefit on market risk benefits gains (losses)

)

Amortization of deferred tax asset from Bermuda law

(33

)

(34

)

(64

)

(55

)

Chubb net income

2,854

2,968

5,174

4,299

Rollforward of Common Shares Outstanding

Shares - beginning of period

388,495,580

400,748,485

391,101,227

400,703,663

Repurchase of shares

(2,989,571

)

(2,339,727

)

(6,507,381

)

(3,685,509

)

Shares issued (canceled), excluding option exercises

(114,634

)

(49,568

)

29,740

615,344

Issued for option exercises

242,674

301,598

1,010,463

1,027,290

Shares - end of period

385,634,049

398,660,788

385,634,049

398,660,788

Denominator

Weighted average shares outstanding (1)

387,413,573

399,886,323

388,941,257

400,281,946

Effect of other dilutive securities

3,837,043

3,960,707

4,069,038

4,012,933

Adj. wtd. avg. shares outstanding and assumed conversions

391,250,616

403,847,030

393,010,295

404,294,879

Basic earnings per share

Core operating income

7.34

6.20

14.22

9.92

Amortization of fair value adjustment of acquired invested assets and long-term debt, net of tax

0.01

0.02

0.01

Integration expenses and severance, net of tax

(0.02

)

(0.03

)

Adjusted net realized gains (losses), net of tax

0.11

1.34

(0.79

)

1.18

Market risk benefits gains (losses), net of tax

0.01

(0.04

)

0.04

(0.23

)

Amortization of deferred tax asset from Bermuda law

(0.08

)

(0.08

)

(0.16

)

(0.14

)

Chubb net income

7.37

7.42

13.30

10.74

Diluted earnings per share

Core operating income

7.26

6.14

14.07

9.82

Amortization of fair value adjustment of acquired invested assets and long-term debt, net of tax

0.01

0.02

0.01

Integration expenses and severance, net of tax

(0.02

)

(0.03

)

Adjusted net realized gains (losses), net of tax

0.12

1.33

(0.77

)

1.17

Market risk benefits gains (losses), net of tax

0.01

(0.04

)

0.04

(0.23

)

Amortization of deferred tax asset from Bermuda law

(0.08

)

(0.08

)

(0.16

)

(0.14

)

Chubb net income

7.30

7.35

13.17

10.63

(1) Includes unvested restricted stock units that are not included in common shares outstanding as the shares are not issued until time

of vesting, but are eligible to receive dividends (participating securities).

Earnings per share

Page 25

Chubb Limited

Book Value and Book Value per Common Share

(in

millions of U.S. dollars, except share and per share data)

(Unaudited)

Reconciliation of Book Value per Common Share

June 30

March 31

December 31

June 30

2026

2025

Chubb shareholders’ equity

75,372

73,788

73,757

69,395

Less: Chubb goodwill and other intangible assets, net of tax

24,495

24,584

24,391

24,490

Numerator for tangible book value per share

50,877

49,204

49,366

44,905

Book value - % change over prior quarter

2.1%

0.0%

2.6%

5.6%

Tangible book value - % change over prior quarter

3.4%

-0.3%

4.2%

7.5%

Book value - % change over prior year

8.6%

12.3%

15.2%

13.7%

Tangible book value - % change over prior year

13.3%

17.8%

22.7%

22.1%

Denominator: shares outstanding

385,634,049

388,495,580

391,101,227

398,660,788

Book value per common share

195.45

189.93

188.59

174.07

Tangible book value per common share

131.93

126.65

126.22

112.64

Reconciliation of Book Value

Chubb shareholders’ equity, beginning of quarter

73,788

73,757

71,855

65,726

Core operating income

2,842

2,689

2,982

2,480

Amortization of fair value adjustment of acquired invested assets and long-term debt

Integration expenses and severance

)

(58

)

Adjusted net realized gains (losses) (1)

(345

)

349

539

Market risk benefits gains (losses)

(32

)

(15

)

Amortization of deferred tax asset from Bermuda law

(33

)

(31

)

(33

)

(34

)

Net unrealized gains (losses) on investments

329

(1,614

)

(68

)

932

Repurchase of shares

(979

)

(1,143

)

(1,094

)

(676

)

Dividend declared on common shares

(395

)

(380

)

(381

)

(388

)

Cumulative translation gains (losses)

(237

)

353

(274

)

766

Postretirement benefit liability

)

153

)

Current discount rate on future policy benefits

(137

)

317

149

(101

)

Instrument-specific credit risk - market risk benefits

)

Other (2)

150

171

211

170

Chubb shareholders’ equity, end of quarter

75,372

73,788

73,757

69,395

(1) Includes net realized gains (losses) related to unconsolidated entities.

(2) Other primarily includes proceeds from exercise of stock options and stock compensation, offset by the value of any share cancellations for restricted stock vesting

taxes.

Reconciliation Book Value

Page 26

Chubb Limited

Non-GAAP Financial Measures

(Unaudited)

Regulation G - Non-GAAP Financial Measures

In presenting our results, we included and discussed certain

non-GAAP measures. These non-GAAP measures, which may be defined differently by other companies, are important for an understanding of our overall results of operations

and financial condition. However, they should not be viewed as a substitute for measures determined in accordance with generally accepted accounting principles (GAAP).

Throughout this document there are various measures presented on a constant-dollar basis (i.e., excludes the impact of foreign exchange). We believe it is useful to

evaluate the trends in our results exclusive of the effect of fluctuations in exchange rates between the U.S. dollar and the currencies in which our international business is transacted, as these exchange rates could fluctuate significantly between

periods and distort the analysis of trends. The impact is determined by assuming constant foreign exchange rates between periods by translating prior period results using the same local currency exchange rates as the comparable current period.

P&C underwriting income (loss) excludes the Life Insurance segment and is calculated by subtracting adjusted losses and loss expenses, adjusted policy

benefits, policy acquisition costs and administrative expenses from net premiums earned. We use underwriting income (loss) and operating ratios to monitor the results of our operations without the impact of certain factors, including net investment

income, other income (expense), interest expense, amortization expense of purchased intangibles, integration expenses and severance, amortization of fair value of acquired invested assets and debt, income tax expense, adjusted net realized gains

(losses), and market risk benefits gains (losses).

P&C CAY underwriting income excluding catastrophe losses (Cats) is P&C underwriting income (loss)

adjusted to exclude P&C Cats and prior period development (PPD). We believe it is useful to exclude Cats, as they are not predictable as to timing and amount, and PPD, as these unexpected loss developments on historical reserves are not

indicative of our current underwriting performance. We believe the use of these measures enhances the understanding of our results of operations by highlighting the underlying profitability of our insurance business.

Adjusted losses and loss expenses include realized gains and losses on crop derivatives. These derivatives were purchased to provide economic benefit, in a

manner similar to reinsurance protection, in the event that a significant decline in commodity pricing impacts underwriting results. We view gains and losses on these derivatives as part of the results of our underwriting operations, and therefore

realized gains (losses) from these derivatives are reclassified to adjusted losses and loss expenses.

Adjusted policy benefits include gains and losses from

fair value changes in separate account liabilities, as well as the offsetting movement in separate account assets that do not qualify for separate account reporting under U.S. GAAP, for purposes of reporting Life Insurance underwriting income. We

view gains and losses from fair value changes in both non-qualified separate account assets and liabilities as part of the results of our underwriting operations, and therefore these gains and losses are

reclassified from Other (income) expense to adjusted policy benefits. In addition, adjusted policy benefits includes the impact of realized gains and losses on underlying investments supporting the liabilities of certain participating policies for

the portion that are shared with policyholders. These realized gains and losses on underlying investments have been reclassified from net realized gains (losses) to adjusted policy benefits. We believe this presentation better reflects the economics

of the liabilities and the underlying investments supporting those liabilities.

Adjusted net investment income is net investment income excluding the

amortization of the fair value adjustment on acquired invested assets from certain acquisitions, and including investment income from partially-owned investment companies (private equity partnerships) where our ownership interest is in excess of 3%

that are accounted for under the equity method. The mark-to-market movement on these private equity partnerships are included in adjusted net realized gains (losses) as

described below. We believe this measure is meaningful as it highlights the underlying performance of our invested assets and portfolio management in support of our lines of business.

Adjusted net realized gains (losses), net of tax, includes net realized gains (losses) and net realized gains (losses) recorded in other income (expense) related

to unconsolidated subsidiaries, and excludes realized gains and losses on crop derivatives and realized gains and losses on underlying investments supporting the liabilities of certain participating policies related to the policyholders’ share

of gains and losses.

Adjusted interest expense is interest expense excluding the amortization of the fair value adjustment on acquired long-term debt,

related to the Chubb Corp acquisition due to the size and complexity of this acquisition.

Other income (expense) - operating excludes from consolidated

Other income (expense) the portion of net realized gains and losses related to unconsolidated entities, other income (expense) from private equity partnerships, and gains and losses from fair value changes in separate account assets that do not

qualify for separate account reporting under U.S. GAAP. Net realized gains (losses) related to unconsolidated entities is excluded from core operating income (loss) in order to enhance the understanding of our results of underwriting operations as

they are heavily influenced by, and fluctuate in part according to, market conditions. Other income (expense) from private equity partnerships and net realized gains and losses related to unconsolidated entities are recorded to Other income

(expense) in our income statement on a U.S. GAAP basis.

P&C combined ratio excludes the Life Insurance segment. P&C loss and loss expense ratio and

P&C combined ratio include adjusted losses and loss expenses and policy benefits in the ratio numerator. P&C expense ratio and P&C combined ratio include policy acquisition costs and administrative expenses in the ratio numerator. A

reconciliation of combined ratio to P&C combined ratio is provided on pages 30 - 33.

CAY P&C combined ratio excluding catastrophe losses excludes

Cats and PPD from the P&C combined ratio. We exclude Cats as they are not predictable as to timing and amount and PPD as these unexpected loss developments on historical reserves are not indicative of our current underwriting performance. The

combined ratio numerator is adjusted to exclude Cats, PPD and expense adjustments on PPD, and the denominator is adjusted to exclude net premiums earned adjustments on PPD and reinstatement premiums on Cats and PPD. In periods where there are

adjustments on loss sensitive policies, these adjustments are excluded from both losses and loss expenses and net premiums earned when calculating the ratios. We believe this measure provides a useful evaluation of our underwriting performance and

enhances the understanding of the trends in our P&C business that may be obscured by these items. This measure is commonly reported among our peer companies and allows for a useful comparison.

Expense ratio excluding accident and health (A&H) excludes the impact of our A&H business from our expense ratio. The expense ratio for the A&H

business is typically higher than our traditional P&C business, and we believe that this measure provides better comparison to our peer companies that may not have a significant A&H block of business.

Global P&C performance metrics comprise consolidated operating results (including corporate) and exclude the operating results of Chubb’s Life

Insurance and North America Agricultural Insurance segments. The agriculture insurance business is a different business in that it is a public sector and private sector partnership in which insurance rates, premium growth, and risk-sharing is not

market-driven like the remainder of Chubb’s P&C insurance business. We believe that these measures are useful and meaningful to investors as they are used by management to assess Chubb’s global P&C operations which are the most

economically similar. We exclude the North America Agricultural Insurance and Life Insurance segments because the results of these businesses do not always correlate with the results of our global P&C operations.

Core operating income relates only to Chubb income, which excludes noncontrolling interests. It excludes from Chubb net income the

after-tax impact of adjusted net realized gains (losses) and other, which include items described in this paragraph, and market risk benefits gains (losses). We believe this presentation enhances the

understanding of our results of operations by highlighting the underlying profitability of our insurance business. We exclude adjusted net realized gains (losses) and market risk benefits gains (losses) because the amount of these gains (losses) is

heavily influenced by, and fluctuates in part according to, the availability of market opportunities. In addition, we exclude the amortization of fair value adjustments on purchased invested assets and long-term debt related to certain acquisitions

due to the size and complexity of these acquisitions. We also exclude integration expenses, including legal and professional fees and all other costs directly related to acquisition integration activities, as well as severance expenses associated

with transformation initiatives to enhance operational efficiency. The costs are not related to the ongoing activities of the individual segments and are therefore included in Corporate and excluded from our definition of segment income. We believe

these integration expenses and severance are not indicative of our underlying profitability, and excluding these integration expenses and severance facilitates the comparison of our financial results to our historical operating results.

Chubb core operating effective tax rate is income tax expense (benefit) excluding tax expense (benefit) on adjusted net realized gains (losses), tax expense

(benefit) on amortization of fair value of acquired invested assets and debt, tax expense (benefit) on integration expenses and severance, tax expense (benefit) on market risk benefits gains (losses), the amortization of the deferred tax asset

related to the tax benefit from the Bermuda Economic Transition Adjustment, all attributable to Chubb, divided by Chubb income before tax excluding adjusted net realized gains (losses) before tax, market risk benefit gains (losses) before tax,

amortization of fair value of acquired invested assets and debt before tax, and integration expenses and severance before tax, all attributable to Chubb, before tax. We believe the use of this measure is meaningful to show the tax on the underlying

performance of our insurance business, by excluding the taxes on adjusted net realized gains (losses), market risk benefit gains (losses), amortization of the fair value adjustments related to purchased invested assets and long-term debt,

integration expenses and severance, the amortization of the deferred tax asset related to the tax benefit from the Bermuda Economic Transition Adjustment. Due to fluctuations in our income before taxes during the year, on a quarterly basis these

exclusions may not annualize to the full year forecasted expense or (benefit), if applicable. Refer to the definition of core operating income (loss), net of tax above for more information on these adjustments.

Tangible book value per common share is Chubb shareholders’ equity less Chubb goodwill and other intangible assets, net of tax, divided by the shares

outstanding. We believe that goodwill and other intangible assets are not indicative of our underlying insurance results or trends and make book value comparisons to less acquisitive peer companies less meaningful. Book value per share and tangible

book value per share excluding accumulated other comprehensive income (loss) (AOCI), excludes AOCI from the numerator because it eliminates the effect of items that can fluctuate significantly from period to period, primarily based on changes in

interest rates and foreign currency movement, to highlight underlying growth in book and tangible book value.

International life insurance net premiums written

and deposits collected includes deposits collected on universal life and investment contracts (life deposits). Life deposits are not reflected as revenues in our consolidated statements of operations in accordance with U.S. GAAP. However, we

include life deposits in presenting growth in our life insurance business because new life deposits are an important component of production and key to our efforts to grow our business.

Adjusted operating cash flow is Operating cash flow excluding the operating cash flow related to the net investing activities of Huatai’s asset management

companies as it relates to the Consolidated Investment Products as required under consolidation accounting. Because these entities are investment companies, we are required to retain the investment company presentation in our consolidated results,

which means we include the net investing activities of these entities in our operating cash flows. Chubb has elected to remove the impact of net investing activities of consolidated investment companies from our operating cash flow as they may

distort a reader’s analysis of our underlying operating cash flow related to the core insurance company operations. These net investing activities are more appropriately classified outside of operating cash flows, consistent with our

consolidated investing activities. Accordingly, we believe that it is appropriate to adjust operating cash flow for the impact of consolidated investment products.

Total adjusted capitalization is the sum of the short-term debt, long-term debt, hybrid debt, and Chubb shareholders’ equity less Chubb unrealized gains

(losses) on investments, net of deferred tax. This measure is meaningful as it eliminates the effect of after-tax unrealized mark-to-market movements on our investment

portfolio, which can fluctuate significantly from period to period, to better highlight our company’s underlying total capital position.

Reconciliation Non-GAAP

Page 27

Chubb Limited

Non-GAAP Financial Measures - 2

(in millions of U.S. dollars, except ratios)

(Unaudited)

Regulation G -

Non-GAAP Financial Measures (continued)

Chubb core operating effective tax rate

The following table presents the reconciliation of effective tax rate to the Core operating effective tax rate:

YTD

Full Year

2Q-26

1Q-26

4Q-25

3Q-25

2Q-25

2026

2025

Tax expense, as reported

741

644

592

784

713

1,385

1,031

2,407

Less: tax expense (benefit) on amortization of fair value of acquired invested assets and debt

Less: tax expense (benefit) on integration expenses and severance

)

(17

)

(17

)

Less: tax expense (benefit) on adjusted net realized gains (losses)

(32

)

(107

)

(60

)

Less: tax expense (benefit) on market risk benefits gains (losses)

)

(22

)

(16

)

(43

)

Less: amortization of deferred tax asset from Bermuda law

124

Tax expense, adjusted

675

644

685

775

584

1,319

937

2,397

Income before tax, as reported

3,595

2,964

3,802

3,585

3,681

6,559

5,330

12,717

Less: amortization of fair value of acquired invested assets and debt

Less: integration expenses and severance

)

(75

)

(17

)

(78

)

Less: adjusted realized gains (losses)

(394

)

(39

)

(321

)

Less: realized gains (losses) related to unconsolidated entities

281

(83

)

540

520

718

Less: market risk benefits gains (losses)

(37

)

(142

)

(17

)

(109

)

(288

)

Core operating income before tax

3,517

3,333

3,667

3,778

3,064

6,850

4,906

12,351

Effective tax rate

20.6%

21.7%

15.5%

21.9%

19.4%

21.1%

19.4%

18.9%

Adjustment for tax impact of amortization of fair value of acquired invested assets and debt

0.0%

-0.1%

0.0%

-0.1%

0.0%

Adjustment for tax impact of integration expenses and severance

0.0%

0.1%

0.0%

Adjustment for tax impact of adjusted net realized gains (losses)

-0.5%

-1.5%

4.2%

-0.2%

0.9%

-0.9%

0.9%

1.6%

Adjustment for tax impact of market risk benefits gains (losses)

0.0%

-0.1%

-0.2%

0.0%

-0.1%

Adjustment for amortization of deferred tax asset from Bermuda law

-0.9%

-1.0%

-1.1%

-0.9%

-1.1%

-1.0%

Core operating effective tax rate

19.2%

19.3%

18.7%

20.5%

19.1%

19.3%

19.1%

19.4%

Core operating income

The following table presents the reconciliation of Chubb net income to Core operating income:

YTD

Full Year

2Q-26

1Q-26

4Q-25

3Q-25

2Q-25

2026

2025

Chubb net income

2,854

2,320

3,210

2,801

2,968

5,174

4,299

10,310

Amortization of fair value adjustment of acquired invested assets and long-term debt, pre-tax

Tax (expense) benefit on amortization adjustment

)

Integration expenses and severance, pre-tax

)

(75

)

(17

)

(78

)

Tax (expense) benefit on integration expenses and severance

Adjusted realized gains (losses), pre-tax

(394

)

(39

)

(321

)

Net realized gains (losses) related to unconsolidated entities,

pre-tax (1)

281

(83

)

540

520

718

Tax (expense) benefit on adjusted net realized gains (losses)

(32

)

107

(94

)

(53

)

Market risk benefits gains (losses), pre-tax

(37

)

(142

)

(17

)

(109

)

(288

)

Tax (expense) benefit on market risk benefits gains (losses)

)

Amortization of deferred tax asset from Bermuda law

(33

)

(31

)

(33

)

(36

)

(34

)

(64

)

(55

)

(124

)

Core operating income

2,842

2,689

2,982

3,003

2,480

5,531

3,969

9,954

Catastrophe losses - after-tax

375

397

292

226

510

772

1,810

2,328

Unfavorable (favorable) prior period development (PPD) -

after-tax

(216

)

(231

)

(220

)

(238

)

(196

)

(447

)

(400

)

(858

)

P&C underwriting income and P&C CAY underwriting income ex Cats

The following table presents the reconciliation of Net income to P&C underwriting income and P&C CAY underwriting income ex Cats:

YTD

Full Year

2Q-26

1Q-26

4Q-25

3Q-25

2Q-25

2026

2025

Net income

2,882

2,347

3,173

3,107

2,999

5,229

4,342

10,622

Less: Income tax expense

(742

)

(646

)

(597

)

(787

)

(717

)

(1,388

)

(1,038

)

(2,422

)

Amortization expense of purchased intangibles

(74

)

(73

)

(77

)

(75

)

(74

)

(147

)

(149

)

(301

)

Other income (expense)

196

161

516

655

357

738

1,297

Interest expense

(200

)

(198

)

(205

)

(197

)

(181

)

(398

)

(362

)

(764

)

Net investment income

1,760

1,709

1,688

1,648

1,568

3,469

3,129

6,465

Net realized gains (losses)

162

(407

)

(116

)

283

160

(245

)

211

Market risk benefits gains (losses)

(37

)

(142

)

(17

)

(109

)

(288

)

Integration expenses and severance

)

(76

)

(17

)

(79

)

Life Insurance underlying income (loss) (2)

(162

)

(128

)

(26

)

(166

)

(41

)

Add: Realized gains (losses) on crop derivatives

)

(16

)

(16

)

P&C underwriting income

1,937

1,792

2,197

2,259

1,631

3,729

2,072

6,528

Add: Catastrophe losses (including reinstatement premiums) -

pre-tax

475

500

365

285

630

975

2,271

2,921

Unfavorable (favorable) prior period development (PPD) -

pre-tax

(283

)

(286

)

(268

)

(361

)

(249

)

(569

)

(504

)

(1,133

)

P&C CAY underwriting income ex Cats

2,129

2,006

2,294

2,183

2,012

4,135

3,839

8,316

(1) Realized gains (losses) on partially-owned entities, which are investments where we hold more than an insignificant percentage of

the investee’s shares. The net realized gain or loss is included in other income (expense) under U.S. GAAP.

(2) Life Insurance underlying income (loss) is

calculated by subtracting losses and loss expenses, policy benefits, policy acquisition costs and administrative expenses from net premiums earned related to the Life Insurance segment.

Reconciliation Non-GAAP 2

Page 28

Chubb Limited

Non-GAAP Financial Measures - 3

(in millions of U.S. dollars, except share, per share data, and ratios)

(Unaudited)

Regulation G -

Non-GAAP Financial Measures (continued)

Core operating ROE and Core operating ROTE

Core operating return on equity (ROE) and Core operating return on tangible equity (ROTE) are annualized non-GAAP financial

measures. The numerator includes core operating income (loss), net of tax. The denominator includes the average Chubb shareholders’ equity for the period adjusted to exclude unrealized gains (losses) on investments, current discount rate on

future policy benefits (FPB), and instrument-specific credit risk – market risk benefits (MRB), all net of tax and attributable to Chubb. For the ROTE calculation, the denominator is also adjusted to exclude Chubb goodwill and other intangible

assets, net of tax. These measures enhance the understanding of the return on shareholders’ equity by highlighting the underlying profitability relative to shareholders’ equity and tangible equity excluding the effect of these items as

these are heavily influenced by changes in market conditions. We believe ROTE is meaningful because it measures the performance of our operations without the impact of goodwill and other intangible assets.

YTD

Full Year

2Q-26

2Q-25

2026

2025

Chubb net income

2,854

2,968

5,174

4,299

10,310

Core operating income

2,842

2,480

5,531

3,969

9,954

Equity - beginning of period, as reported

73,788

65,726

73,757

64,021

Less: unrealized gains (losses) on investments, net of deferred tax

(3,611

)

(3,704

)

(1,997

)

(4,552

)

(4,552

)

Less: changes in current discount rate on FPB, net of deferred tax

(27

)

(645

)

(344

)

(539

)

(539

)

Less: changes in instrument-specific credit risk on MRB, net of deferred tax

(13

)

(13

)

(23

)

(16

)

(16

)

Equity - beginning of period, as adjusted

77,439

70,088

76,121

69,128

Less: Chubb goodwill and other intangible assets, net of tax

24,584

23,940

24,391

23,800

Equity - beginning of period, as adjusted ex Chubb goodwill and other intangible assets

52,855

46,148

51,730

45,328

Equity - end of period, as reported

75,372

69,395

75,372

69,395

73,757

Less: unrealized gains (losses) on investments, net of deferred tax

(3,282

)

(2,772

)

(3,282

)

(2,772

)

(1,997

)

Less: changes in current discount rate on FPB, net of deferred tax

(164

)

(746

)

(164

)

(746

)

(344

)

Less: changes in instrument-specific credit risk on MRB, net of deferred tax

(12

)

(12

)

(12

)

(12

)

(23

)

Equity - end of period, as adjusted

78,830

72,925

78,830

72,925

76,121

Less: Chubb goodwill and other intangible assets, net of tax

24,495

24,490

24,495

24,490

24,391

Equity - end of period, as adjusted ex Chubb goodwill and other intangible assets

54,335

48,435

54,335

48,435

51,730

Weighted average equity, as reported

74,580

67,561

74,564

66,708

68,889

Weighted average equity, as adjusted ex Chubb goodwill and other intangible assets

53,595

47,292

53,033

46,882

48,529

Weighted average equity, as adjusted

78,135

71,507

77,476

71,027

72,625

ROE

15.3%

17.6%

13.9%

12.9%

15.0%

Core operating ROTE

21.2%

21.0%

20.9%

16.9%

20.5%

Core operating ROE

14.5%

13.9%

14.3%

11.2%

13.7%

Private equities realized gains (losses), after-tax (1)

435

425

817

Impact of Private equities if included in Core operating ROE - Favorable (unfavorable) (1)

0.4 pts

2.4 pts

0.1 pts

1.2 pts

1.1 pts

Reconciliation of Book Value and Tangible Book Value per Share to adjusted measures

June 30

March 31

December 31

June 30

QTD

YTD

Year-over-Year

2026

2025

% Change

Book value

75,372

73,788

73,757

69,395

Less: AOCI

(5,923

)

(5,911

)

(4,975

)

(6,058

)

Book value excluding AOCI

81,295

79,699

78,732

75,453

Tangible book value

50,877

49,204

49,366

44,905

Less: Tangible AOCI

(5,300

)

(5,320

)

(4,181

)

(5,248

)

Tangible book value excluding tangible AOCI

56,177

54,524

53,547

50,153

Denominator: shares outstanding

385,634,049

388,495,580

391,101,227

398,660,788

Book value per share

195.45

189.93

188.59

174.07

2.9%

3.6%

12.3%

Tangible book value per share

131.93

126.65

126.22

112.64

4.2%

4.5%

17.1%

Book value per share excluding AOCI

210.81

205.15

201.31

189.27

2.8%

4.7%

11.4%

Tangible book value per share excluding tangible AOCI

145.67

140.35

136.91

125.80

3.8%

6.4%

15.8%

(1) We record the change in the fair value mark and gains (losses) on sales of private equity funds as realized gains (losses) instead

of investment income.

Reconciliation Non-GAAP 3

Page 29

Chubb Limited

Non-GAAP Financial Measures - 4

(in millions of U.S. dollars, except ratios)

(Unaudited)

Regulation G -

Non-GAAP Financial Measures (continued)

P&C combined ratio

The P&C combined ratio includes the impact of realized gains and losses on crop derivatives. These derivatives were purchased to provide economic benefit, in a

manner similar to reinsurance protection, in the event that a significant decline in commodity pricing will impact underwriting results. We view gains and losses on these derivatives as part of the results of our underwriting operations.

The following tables present the calculation of combined ratio, as reported, for each segment to P&C combined ratio, adjusted for catastrophe losses (Cats) and

prior period development (PPD).

Q2 2026

North

America

Commercial P&C

Insurance

North

America

Personal P&C

Insurance

North

America

Agricultural

Insurance

Overseas

General

Insurance

Global

Reinsurance

Corporate

Total

P&C

Numerator

Losses and loss expenses

Losses and loss expenses/policy benefits

3,372

791

518

1,815

121

158

6,775

Realized (gains) losses on crop derivatives

Adjusted losses and loss expenses/policy benefits

3,372

791

526

1,815

121

158

6,783

Catastrophe losses and related adjustments

Catastrophe losses, net of related adjustments

(302)

(126)

(14)

(25)

(8)

(475)

Reinstatement premiums collected (expensed) on catastrophe losses

Catastrophe losses, gross of related adjustments

(302)

(126)

(14)

(25)

(8)

(475)

PPD and related adjustments

PPD, net of related adjustments - favorable (unfavorable)

111

173

146

(158)

283

Net premiums earned adjustments on PPD - unfavorable (favorable)

Expense adjustments - unfavorable (favorable)

PPD reinstatement premiums - unfavorable (favorable)

PPD, gross of related adjustments - favorable (unfavorable)

118

173

156

(158)

302

CAY loss and loss expense ex Cats

3,188

838

512

1,946

126

6,610

Policy acquisition costs and administrative expenses

1,081

433

1,459

106

107

3,235

Expense adjustments - favorable (unfavorable)

(2)

(4)

CAY policy acquisition costs and administrative expenses

1,079

433

1,459

104

107

3,231

Denominator

Net premiums earned

5,214

1,817

641

3,984

299

11,955

Reinstatement premiums (collected) expensed on catastrophe losses

Net premiums earned adjustments on PPD - unfavorable (favorable)

PPD reinstatement premiums - unfavorable (favorable)

Net premiums earned excluding adjustments

5,219

1,817

641

3,994

299

11,970

P&C combined ratio

Loss and loss expense ratio

A/E

64.7%

43.5%

82.0%

45.6%

40.6%

56.7%

Policy acquisition cost and administrative expense ratio

C/E

20.7%

23.8%

7.7%

36.6%

35.5%

27.1%

P&C combined ratio

85.4%

67.3%

89.7%

82.2%

76.1%

83.8%

CAY P&C combined ratio ex Cats

Loss and loss expense ratio, adjusted

B/F

61.1%

46.1%

80.0%

48.7%

42.1%

55.2%

Policy acquisition cost and administrative expense ratio, adjusted

D/F

20.7%

23.8%

7.6%

36.5%

34.8%

27.0%

CAY P&C combined ratio ex Cats

81.8%

69.9%

87.6%

85.2%

76.9%

82.2%

Combined ratio

83.7%

Add: impact of gains and losses on crop derivatives

0.1%

P&C combined ratio

83.8%

Note: The ratios above are calculated using whole U.S. dollars. Accordingly, calculations using rounded amounts may differ. Letters A,

B, C, D, E, and F included in the table are references for calculating the ratios above.

Reconciliation Non-GAAP 4

Page 30

Chubb Limited

Non-GAAP Financial Measures - 5

(in millions of U.S. dollars, except ratios)

(Unaudited)

Regulation G -

Non-GAAP Financial Measures (continued)

P&C combined ratio (continued)

YTD 2026

North

America

Commercial P&C

Insurance

North

America

Personal P&C

Insurance

North

America

Agricultural

Insurance

Overseas

General

Insurance

Global

Reinsurance

Corporate

Total

P&C

Numerator

Losses and loss expenses

Losses and loss expenses/policy benefits

6,592

1,825

563

3,580

258

173

12,991

Realized (gains) losses on crop derivatives

Adjusted losses and loss expenses/policy benefits

6,592

1,825

579

3,580

258

173

13,007

Catastrophe losses and related adjustments

Catastrophe losses, net of related adjustments

(504)

(348)

(18)

(89)

(16)

(975)

Reinstatement premiums collected (expensed) on catastrophe losses

Catastrophe losses, gross of related adjustments

(504)

(348)

(18)

(89)

(16)

(975)

PPD and related adjustments

PPD, net of related adjustments - favorable (unfavorable)

200

174

277

(173)

569

Net premiums earned adjustments on PPD - unfavorable (favorable)

Expense adjustments - unfavorable (favorable)

PPD reinstatement premiums - unfavorable (favorable)

PPD, gross of related adjustments - favorable (unfavorable)

209

174

294

(173)

599

CAY loss and loss expense ex Cats

6,297

1,651

641

3,785

257

12,631

Policy acquisition costs and administrative expenses

2,187

865

2,855

217

6,408

Expense adjustments - favorable (unfavorable)

(4)

(8)

CAY policy acquisition costs and administrative expenses

2,183

865

2,855

213

217

6,400

Denominator

Net premiums earned

10,362

3,563

830

7,764

625

23,144

Reinstatement premiums (collected) expensed on catastrophe losses

Net premiums earned adjustments on PPD - unfavorable (favorable)

PPD reinstatement premiums - unfavorable (favorable)

Net premiums earned excluding adjustments

10,367

3,563

830

7,781

625

23,166

P&C combined ratio

Loss and loss expense ratio

A/E

63.6%

51.2%

69.7%

46.1%

41.3%

56.2%

Policy acquisition cost and administrative expense ratio

C/E

21.1%

24.3%

8.1%

36.8%

34.8%

27.7%

P&C combined ratio

84.7%

75.5%

77.8%

82.9%

76.1%

83.9%

CAY P&C combined ratio ex Cats

Loss and loss expense ratio, adjusted

B/F

60.7%

46.3%

77.3%

48.6%

41.1%

54.5%

Policy acquisition cost and administrative expense ratio, adjusted

D/F

21.1%

24.3%

8.1%

36.7%

34.1%

27.7%

CAY P&C combined ratio ex Cats

81.8%

70.6%

85.4%

85.3%

75.2%

82.2%

Combined ratio

83.8%

Add: impact of gains and losses on crop derivatives

0.1%

P&C combined ratio

83.9%

Note: The ratios above are calculated using whole U.S. dollars. Accordingly, calculations using rounded amounts may differ. Letters A,

B, C, D, E, and F included in the table are references for calculating the ratios above.

Reconciliation Non-GAAP 5

Page 31

Chubb Limited

Non-GAAP Financial Measures - 6

(in millions of U.S. dollars, except ratios)

(Unaudited)

Regulation G -

Non-GAAP Financial Measures (continued)

P&C combined ratio (continued)

Q2 2025

North

America

Commercial P&C

Insurance

North

America

Personal P&C

Insurance

North

America

Agricultural

Insurance

Overseas

General

Insurance

Global

Reinsurance

Corporate

Total

P&C

Numerator

Losses and loss expenses

Losses and loss expenses/policy benefits

3,258

822

481

1,918

132

6,681

Realized (gains) losses on crop derivatives

Adjusted losses and loss expenses/policy benefits

3,258

822

483

1,918

132

6,683

Catastrophe losses and related adjustments

Catastrophe losses, net of related adjustments

(229)

(142)

(1)

(252)

(6)

(630)

Reinstatement premiums collected (expensed) on catastrophe losses

(5)

Catastrophe losses, gross of related adjustments

(229)

(142)

(1)

(247)

(6)

(625)

PPD and related adjustments

PPD, net of related adjustments - favorable (unfavorable)

106

121

(70)

249

Net premiums earned adjustments on PPD - unfavorable (favorable)

Expense adjustments - unfavorable (favorable)

PPD reinstatement premiums - unfavorable (favorable)

(2)

PPD, gross of related adjustments - favorable (unfavorable)

114

121

(70)

256

CAY loss and loss expense ex Cats

3,143

801

482

1,748

140

6,314

Policy acquisition costs and administrative expenses

1,062

414

1,282

108

106

3,022

Expense adjustments - favorable (unfavorable)

(2)

(1)

(3)

CAY policy acquisition costs and administrative expenses

1,060

414

1,282

107

106

3,019

Denominator

Net premiums earned

5,177

1,681

598

3,542

338

11,336

Reinstatement premiums (collected) expensed on catastrophe losses

Net premiums earned adjustments on PPD - unfavorable (favorable)

PPD reinstatement premiums - unfavorable (favorable)

(2)

Net premiums earned excluding adjustments

5,183

1,681

598

3,547

336

11,345

P&C combined ratio

Loss and loss expense ratio

A/E

62.9%

48.9%

80.8%

54.2%

39.0%

59.0%

Policy acquisition cost and administrative expense ratio

C/E

20.6%

24.6%

8.3%

36.1%

32.0%

26.6%

P&C combined ratio

83.5%

73.5%

89.1%

90.3%

71.0%

85.6%

CAY P&C combined ratio ex Cats

Loss and loss expense ratio, adjusted

B/F

60.6%

47.6%

80.5%

49.3%

41.5%

55.6%

Policy acquisition cost and administrative expense ratio, adjusted

D/F

20.5%

24.6%

8.3%

36.1%

32.0%

26.7%

CAY P&C combined ratio ex Cats

81.1%

72.2%

88.8%

85.4%

73.5%

82.3%

Combined ratio

85.6%

Add: impact of gains and losses on crop derivatives

0.0%

P&C combined ratio

85.6%

Note: The ratios above are calculated using whole U.S. dollars. Accordingly, calculations using rounded amounts may differ. Letters A,

B, C, D, E, and F included in the table are references for calculating the ratios above.

Reconciliation Non-GAAP 6

Page 32

Chubb Limited

Non-GAAP Financial Measures - 7

(in millions of U.S. dollars, except ratios)

(Unaudited)

Regulation G -

Non-GAAP Financial Measures (continued)

P&C combined ratio (continued)

YTD 2025

North

America

Commercial P&C

Insurance

North

America

Personal P&C

Insurance

North

America

Agricultural

Insurance

Overseas

General

Insurance

Global

Reinsurance

Corporate

Total

P&C

Numerator

Losses and loss expenses

Losses and loss expenses/policy benefits

6,289

2,915

574

3,428

374

13,664

Realized (gains) losses on crop derivatives

Adjusted losses and loss expenses/policy benefits

6,289

2,915

575

3,428

374

13,665

Catastrophe losses and related adjustments

Catastrophe losses, net of related adjustments

(383)

(1,484)

(16)

(307)

(81)

(2,271)

Reinstatement premiums collected (expensed) on catastrophe losses

(50)

(5)

(42)

Catastrophe losses, gross of related adjustments

(383)

(1,434)

(16)

(302)

(94)

(2,229)

PPD and related adjustments

PPD, net of related adjustments - favorable (unfavorable)

220

121

198

(83)

504

Net premiums earned adjustments on PPD - unfavorable (favorable)

Expense adjustments - unfavorable (favorable)

(3)

PPD reinstatement premiums - unfavorable (favorable)

(2)

PPD, gross of related adjustments - favorable (unfavorable)

225

121

198

(83)

504

CAY loss and loss expense ex Cats

6,131

1,602

589

3,324

293

11,940

Policy acquisition costs and administrative expenses

2,125

831

2,449

218

211

5,903

Expense adjustments - favorable (unfavorable)

CAY policy acquisition costs and administrative expenses

2,125

831

2,449

218

211

5,906

Denominator

Net premiums earned

10,165

3,255

763

6,751

706

21,640

Reinstatement premiums (collected) expensed on catastrophe losses

(13)

Net premiums earned adjustments on PPD - unfavorable (favorable)

PPD reinstatement premiums - unfavorable (favorable)

(2)

Net premiums earned excluding adjustments

10,170

3,305

763

6,756

691

21,685

P&C combined ratio

Loss and loss expense ratio

A/E

61.9%

89.5%

75.4%

50.8%

53.0%

63.1%

Policy acquisition cost and administrative expense ratio

C/E

20.9%

25.6%

9.0%

36.2%

30.8%

27.3%

P&C combined ratio

82.8%

115.1%

84.4%

87.0%

83.8%

90.4%

CAY P&C combined ratio ex Cats

Loss and loss expense ratio, adjusted

B/F

60.3%

48.4%

77.3%

49.2%

42.4%

55.1%

Policy acquisition cost and administrative expense ratio, adjusted

D/F

20.9%

25.2%

9.4%

36.3%

31.5%

27.2%

CAY P&C combined ratio ex Cats

81.2%

73.6%

86.7%

85.5%

73.9%

82.3%

Combined ratio

90.4%

Add: impact of gains and losses on crop derivatives

0.0%

P&C combined ratio

90.4%

Note: The ratios above are calculated using whole U.S. dollars. Accordingly, calculations using rounded amounts may differ. Letters A,

B, C, D, E, and F included in the table are references for calculating the ratios above.

Reconciliation Non-GAAP 7

Page 33

Chubb Limited

Glossary

Chubb Limited Consolidated comprises all

segments including Corporate.

Total P&C comprises all segments (including Corporate) except the Life Insurance segment.

Global P&C comprises all segments (including Corporate) except the Life Insurance and North America Agricultural segments.

P&C combined ratio: The sum of the loss and loss expense ratio, policy acquisition cost ratio and the administrative expense ratio excluding the Life

Insurance segment and including the realized gains and losses on the crop derivatives.

Book value per common share: Chubb shareholders’ equity divided

by the shares outstanding.

Tangible book value per common share: Chubb shareholders’ equity less Chubb goodwill and other intangible assets, net of

tax, divided by the shares outstanding.

Average market yield of fixed income investments: Weighted average yield based on the current market value of our

fixed maturities and other debt investments.

Average book yield of fixed income investments: Weighted average yield based on the amortized cost of our fixed

maturities and other debt investments.

Total capitalization: The sum of the short-term debt, long-term debt, hybrid debt, and Chubb shareholders’

equity.

Integration expenses and severance: Integration expenses comprise legal and professional fees and all other costs directly related to the integration

activities primarily of the Cigna acquisition, as well as severance expenses incurred as part of transformation initiatives to enhance operational efficiency. Integration expenses and severance are incurred by Chubb and are included in Corporate.

These costs are not related to the on-going business activities of the segments and are therefore excluded from our definition of segment income.

Catastrophe losses (Cats): We generally define catastrophe loss events consistent with the definition of the Property Claims Service (PCS) for events in the U.S.

and Canada. PCS defines a catastrophe as an event that causes damage of $25 million or more in insured losses and affects a significant number of insureds. For events outside of the U.S. and Canada, we generally use a similar definition.

Catastrophe loss events are events that occurred in the current calendar year only. Changes in catastrophe loss estimates in the current calendar year that relate to loss events that occurred in previous calendar years are considered prior period

development.

Prior period development (PPD) arises from changes to loss estimates recognized in the current year that relate to loss events that occurred in

previous calendar years and excludes the effect of losses from the development of earned premium from previous accident years.

Reinstatement premiums are

additional premiums paid on certain reinsurance agreements in order to reinstate coverage that had been exhausted by loss occurrences. The reinstatement premium amount is typically a pro rata portion of the original ceded premium paid based on how

much of the reinsurance limit had been exhausted.

Net premiums earned adjustments within prior period development are adjustments to the initial premium

earned on retrospectively rated policies based on actual claim experience that develops after the policy period ends. The premium adjustments correlate to the prior period loss development on these same policies and are fully earned in the period

the adjustments are recorded.

Prior period expense adjustments typically relate to either profit commission reserves or policyholder dividend reserves based

on actual claim experience that develops after the policy period ends. The expense adjustments correlate to the prior period loss development on these same policies.

Segment income (loss) includes underwriting income (loss), adjusted net investment income, other income (expense) – operating, and amortization expense of

purchased intangibles.

Non-premium revenues and expenses included in Other income and expense, principally pertain to

the management of third-party assets by Huatai Asset Management Co., Ltd. (HAM) and Huatai Baoxing, which are unrelated to Huatai Group’s core insurance operations. These revenues and expenses are recognized in the period in which the services

are performed.

NM: Not meaningful.

Glossary

Page 34

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