Cincinnati Financial Corporation

Supplemental Financial Data

for the period ending September 30, 2024

6200 South Gilmore Road

Fairfield, Ohio 45014-5141

cinfin.com

Investor Contact:	Media Contact:	Shareholder Contact:
Dennis E. McDaniel	Betsy E. Ertel	Brandon McIntosh
513-870-2768	513-603-5323	513-870-2696

	A.M. Best Company	Fitch Ratings	Moody's Investor Service	S&P Global Ratings
Cincinnati Financial Corporation
Corporate Debt	a	A-	A3	BBB+
The Cincinnati Insurance Companies
Insurer Financial Strength
Property Casualty Group
Standard Market Subsidiaries:	A+	—	A1	A+
The Cincinnati Insurance Company	A+	A+	A1	A+
The Cincinnati Indemnity Company	A+	A+	A1	A+
The Cincinnati Casualty Company	A+	A+	A1	A+
Surplus Lines Subsidiary:
The Cincinnati Specialty Underwriters Insurance Company	A+	—	—	—
The Cincinnati Life Insurance Company	A+	A+	—	A+

Ratings are as of October 23, 2024, under continuous review and subject to change and/or affirmation. For the current ratings, select Financial Strength on cinfin.com.

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

CINF Third-Quarter 2024 Supplemental Financial Data

1

	Cincinnati Financial Corporation
	Supplemental Financial Data
	for the period ending September 30, 2024
		Page
	Definitions of Non-GAAP Information and Reconciliation to Comparable GAAP Measures	3
Consolidated
	CFC and Subsidiaries Consolidation – Nine Months Ended September 30, 2024	4
	CFC and Subsidiaries Consolidation – Three Months Ended September 30, 2024	5
Consolidated Property Casualty Insurance Operations
	Losses Incurred Detail	6
	Loss Ratio Detail	7
	Loss Claim Count Detail	8
	Quarterly Property Casualty Data – Commercial Lines	9
	Quarterly Property Casualty Data – Personal Lines and Excess & Surplus Lines	10
	Loss and Loss Expense Analysis – Nine Months Ended September 30, 2024	11
	Loss and Loss Expense Analysis – Three Months Ended September 30, 2024	12
Reconciliation Data
	Quarterly Property Casualty Data – Consolidated	13
	Quarterly Property Casualty Data – Commercial Lines	14
	Quarterly Property Casualty Data – Personal Lines	15
	Quarterly Property Casualty Data – Excess & Surplus Lines	16
Statutory Statements of Income
	Consolidated Cincinnati Insurance Companies Statutory Statements of Income	17
	The Cincinnati Life Insurance Company Statutory Statements of Income	18
Other
	Quarterly Data – Other	19

CINF Third-Quarter 2024 Supplemental Financial Data

2

Definitions of Non-GAAP Information and

Reconciliation to Comparable GAAP Measures

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

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

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

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

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

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

Other Measures

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

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

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

CINF Third-Quarter 2024 Supplemental Financial Data

3

Cincinnati Financial Corporation and Subsidiaries
Consolidated Statements of Income for the Nine Months Ended September 30, 2024
(Dollars in millions)	CFC		CONSOL P&C		CLIC		CFC-I		ELIM		Total
Revenues
Premiums earned:
Property casualty	$	—	$	6,594	$	—	$	—	$	—	$	6,594
Life	—		—		301		—		—		301
Premiums ceded	—		(310)		(61)		—		—		(371)
Total earned premium	—		6,284		240		—		—		6,524
Investment income, net of expenses	86		519		142		—		(2)		745
Investment gains and losses, net	624		892		(9)		—		—		1,507
Fee revenues	—		9		4		—		—		13
Other revenues	11		7		—		7		(15)		10
Total revenues	$	721	$	7,711	$	377	$	7	$	(17)	$	8,799
Benefits & expenses
Losses & contract holders' benefits	$	—	$	4,202	$	262	$	—	$	—	$	4,464
Reinsurance recoveries	—		(21)		(36)		—		—		(57)
Underwriting, acquisition and insurance expenses	—		1,884		70		—		—		1,954
Interest expense	39		—		—		3		(2)		40
Other operating expenses	28		3		—		3		(15)		19
Total expenses	$	67	$	6,068	$	296	$	6	$	(17)	$	6,420
Income before income taxes	$	654	$	1,643	$	81	$	1	$	—	$	2,379
Provision (benefit) for income taxes
Current operating income (loss)	$	(68)	$	14	$	28	$	—	$	—	$	(26)
Capital gains/losses	132		189		(2)		—		—		319
Deferred	88		119		(8)		—		—		199
Total provision for income taxes	$	152	$	322	$	18	$	—	$	—	$	492
Net income - current year	$	502	$	1,321	$	63	$	1	$	—	$	1,887
Net income - prior year	$	151	$	442	$	65	$	2	$	—	$	660
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding.
Consolidated property casualty data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Third-Quarter 2024 Supplemental Financial Data

4

Cincinnati Financial Corporation and Subsidiaries
Consolidated Statements of Income for the Three Months Ended September 30, 2024
(Dollars in millions)	CFC		CONSOL P&C		CLIC		CFC-I		ELIM		Total
Revenues
Premiums earned:
Property casualty	$	—	$	2,338	$	—	$	—	$	—	$	2,338
Life	—		—		101		—		—		101
Premiums ceded	—		(121)		(21)		—		—		(142)
Total earned premium	—		2,217		80		—		—		2,297
Investment income, net of expenses	28		182		48		—		—		258
Investment gains and losses, net	352		406		—		—		—		758
Fee revenues	—		3		1		—		—		4
Other revenues	3		3		—		3		(6)		3
Total revenues	$	383	$	2,811	$	129	$	3	$	(6)	$	3,320
Benefits & expenses
Losses & contract holders' benefits	$	—	$	1,518	$	92	$	—	$	—	$	1,610
Reinsurance recoveries	—		(19)		(13)		—		—		(32)
Underwriting, acquisition and insurance expenses	—		659		24		—		—		683
Interest expense	13		—		—		1		(1)		13
Other operating expenses	9		1		—		1		(5)		6
Total expenses	$	22	$	2,159	$	103	$	2	$	(6)	$	2,280
Income before income taxes	$	361	$	652	$	26	$	1	$	—	$	1,040
Provision (benefit) for income taxes
Current operating income (loss)	$	(19)	$	19	$	9	$	—	$	—	$	9
Capital gains/losses	75		87		—		—		—		162
Deferred	26		26		(3)		—		—		49
Total provision for income taxes	$	82	$	132	$	6	$	—	$	—	$	220
Net income - current year	$	279	$	520	$	20	$	1	$	—	$	820
Net income (loss) - prior year	$	(164)	$	39	$	25	$	1	$	—	$	(99)
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding.
Consolidated property casualty data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Third-Quarter 2024 Supplemental Financial Data

5

Consolidated Property Casualty
Losses Incurred Detail
(Dollars in millions)	Three months ended															Six months ended				Nine months ended				Twelve months ended
	12/31/24	9/30/24		6/30/24		3/31/24		12/31/23		9/30/23		6/30/23		3/31/23		6/30/24		6/30/23		9/30/24		9/30/23		12/31/24	12/31/23
Consolidated
Current accident year losses greater than $5 million		$	18	$	31	$	—	$	38	$	24	$	43	$	36	$	31	$	79	$	49	$	103		$	141
Current accident year losses $2 million - $5 million		51		28		22		42		52		35		15		50		50		101		102			144
Large loss prior accident year reserve development		19		15		22		34		32		19		9		37		28		56		60			94
Total large losses incurred		$	88	$	74	$	44	$	114	$	108	$	97	$	60	$	118	$	157	$	206	$	265		$	379
Losses incurred but not reported		185		165		251		122		150		96		179		416		324		601		474			596
Other losses excluding catastrophe losses		711		741		677		665		639		675		641		1,418		1,267		2,129		1,906			2,571
Catastrophe losses		282		228		111		20		170		217		227		339		444		621		614			634
Total losses incurred		$	1,266	$	1,208	$	1,083	$	921	$	1,067	$	1,085	$	1,107	$	2,291	$	2,192	$	3,557	$	3,259		$	4,180
Commercial Lines
Current accident year losses greater than $5 million		$	11	$	31	$	—	$	33	$	18	$	28	$	30	$	31	$	58	$	42	$	76		$	109
Current accident year losses $2 million - $5 million		36		11		11		31		28		28		12		22		40		58		68			99
Large loss prior accident year reserve development		20		22		12		37		30		19		3		34		22		54		52			89
Total large losses incurred		$	67	$	64	$	23	$	101	$	76	$	75	$	45	$	87	$	120	$	154	$	196		$	297
Losses incurred but not reported		117		92		156		86		88		29		125		248		154		365		242			328
Other losses excluding catastrophe losses		337		384		368		338		336		384		335		752		719		1,089		1,055			1,393
Catastrophe losses		58		101		64		3		67		115		106		165		221		223		288			291
Total losses incurred		$	579	$	641	$	611	$	528	$	567	$	603	$	611	$	1,252	$	1,214	$	1,831	$	1,781		$	2,309
Personal Lines
Current accident year losses greater than $5 million		$	7	$	—	$	—	$	5	$	6	$	15	$	6	$	—	$	21	$	7	$	27		$	32
Current accident year losses $2 million - $5 million		13		15		11		11		24		7		3		26		10		39		34			45
Large loss prior accident year reserve development		(1)		(7)		10		(2)		2		1		6		3		7		2		9			7
Total large losses incurred		$	19	$	8	$	21	$	14	$	32	$	23	$	15	$	29	$	38	$	48	$	70		$	84
Losses incurred but not reported		33		31		22		5		7		26		27		53		53		86		60			65
Other losses excluding catastrophe losses		256		256		231		218		210		194		187		487		381		743		591			809
Catastrophe losses		178		129		50		21		71		93		113		179		206		357		277			298
Total losses incurred		$	486	$	424	$	324	$	258	$	320	$	336	$	342	$	748	$	678	$	1,234	$	998		$	1,256
Excess & Surplus Lines
Current accident year losses greater than $5 million		$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—		$	—
Current accident year losses $2 million - $5 million		2		2		—		—		—		—		—		2		—		4		—			—
Large loss prior accident year reserve development		—		—		—		(1)		—		(1)		—		—		(1)		—		(1)			(2)
Total large losses incurred		$	2	$	2	$	—	$	(1)	$	—	$	(1)	$	—	$	2	$	(1)	$	4	$	(1)		$	(2)
Losses incurred but not reported		12		17		30		16		16		20		27		47		47		59		63			79
Other losses excluding catastrophe losses		55		51		37		52		45		45		28		88		73		143		118			170
Catastrophe losses		2		3		1		1		(1)		2		1		4		3		6		2			3
Total losses incurred		$	71	$	73	$	68	$	68	$	60	$	66	$	56	$	141	$	122	$	212	$	182		$	250
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. The sum of quarterly amounts may not equal the full year as each is computed independently.
Consolidated property casualty data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Third-Quarter 2024 Supplemental Financial Data

6

Consolidated Property Casualty
Loss Ratio Detail
	Three months ended															Six months ended				Nine months ended				Twelve months ended
	12/31/24	9/30/24		6/30/24		3/31/24		12/31/23		9/30/23		6/30/23		3/31/23		6/30/24		6/30/23		9/30/24		9/30/23		12/31/24	12/31/23
Consolidated
Current accident year losses greater than $5 million		0.9	%	1.5	%	—	%	1.9	%	1.2	%	2.4	%	1.9	%	0.8	%	2.2	%	0.8	%	1.8	%		1.9	%
Current accident year losses $2 million - $5 million		2.3		1.4		1.1		2.1		2.7		1.9		0.8		1.2		1.3		1.6		1.8			1.9
Large loss prior accident year reserve development		0.8		0.7		1.1		1.7		1.6		1.0		0.5		0.9		0.8		0.9		1.1			1.2
Total large loss ratio		4.0	%	3.6	%	2.2	%	5.7	%	5.5	%	5.3	%	3.2	%	2.9	%	4.3	%	3.3	%	4.7	%		5.0	%
Losses incurred but not reported		8.4		8.0		12.6		6.2		7.6		5.2		9.7		10.2		8.7		9.6		8.4			7.8
Other losses excluding catastrophe losses		32.0		35.6		34.0		33.5		32.7		36.1		34.9		34.9		34.2		33.8		33.7			33.6
Catastrophe losses		12.7		11.0		5.6		1.0		8.7		11.6		12.3		8.3		12.0		9.9		10.8			8.3
Total loss ratio		57.1	%	58.2	%	54.4	%	46.4	%	54.5	%	58.2	%	60.1	%	56.3	%	59.2	%	56.6	%	57.6	%		54.7	%
Commercial Lines
Current accident year losses greater than $5 million		1.0	%	2.8	%	—	%	3.1	%	1.7	%	2.6	%	2.8	%	1.4	%	2.8	%	1.3	%	2.4	%		2.5	%
Current accident year losses $2 million - $5 million		3.2		1.0		1.0		2.8		2.6		2.7		1.1		1.0		1.9		1.7		2.1			2.3
Large loss prior accident year reserve development		1.7		2.0		1.1		3.4		2.8		1.8		0.3		1.6		1.0		1.6		1.6			2.1
Total large loss ratio		5.9	%	5.8	%	2.1	%	9.3	%	7.1	%	7.1	%	4.2	%	4.0	%	5.7	%	4.6	%	6.1	%		6.9	%
Losses incurred but not reported		10.3		8.3		14.4		8.0		8.3		2.7		11.8		11.3		7.2		11.0		7.6			7.7
Other losses excluding catastrophe losses		29.7		34.6		34.0		31.3		31.7		35.9		31.9		34.3		33.9		32.8		33.2			32.7
Catastrophe losses		5.1		9.1		6.0		0.3		6.3		10.8		10.0		7.6		10.4		6.7		9.0			6.8
Total loss ratio		51.0	%	57.8	%	56.5	%	48.9	%	53.4	%	56.5	%	57.9	%	57.2	%	57.2	%	55.1	%	55.9	%		54.1	%
Personal Lines
Current accident year losses greater than $5 million		1.1	%	—	%	—	%	1.0	%	1.1	%	3.0	%	1.3	%	—	%	2.2	%	0.4	%	1.8	%		1.6	%
Current accident year losses $2 million - $5 million		2.0		2.4		1.8		1.9		4.7		1.4		0.6		2.1		1.0		2.1		2.3			2.2
Large loss prior accident year reserve development		(0.2)		(1.1)		1.8		(0.4)		0.4		0.2		1.4		0.3		0.8		0.1		0.6			0.3
Total large loss ratio		2.9	%	1.3	%	3.6	%	2.5	%	6.2	%	4.6	%	3.3	%	2.4	%	4.0	%	2.6	%	4.7	%		4.1	%
Losses incurred but not reported		5.0		4.8		3.8		0.9		1.2		5.3		5.9		4.3		5.6		4.6		4.0			3.2
Other losses excluding catastrophe losses		37.6		40.5		39.4		38.7		39.9		39.4		40.2		39.9		39.7		39.0		39.9			39.5
Catastrophe losses		26.2		20.5		8.4		3.8		13.4		19.0		24.3		14.7		21.6		18.8		18.7			14.6
Total loss ratio		71.7	%	67.1	%	55.2	%	45.9	%	60.7	%	68.3	%	73.7	%	61.3	%	70.9	%	65.0	%	67.3	%		61.4	%
Excess & Surplus Lines
Current accident year losses greater than $5 million		—	%	—	%	—	%	—	%	—	%	—	%	—	%	—	%	—	%	—	%	—	%		—	%
Current accident year losses $2 million - $5 million		1.3		1.3		—		—		—		—		—		0.7		—		0.9		—			—
Large loss prior accident year reserve development		—		—		—		(0.5)		—		(0.4)		(0.3)		—		(0.3)		—		(0.2)			(0.3)
Total large loss ratio		1.3	%	1.3	%	—	%	(0.5)	%	—	%	(0.4)	%	(0.3)	%	0.7	%	(0.3)	%	0.9	%	(0.2)	%		(0.3)	%
Losses incurred but not reported		7.1		11.6		21.6		10.9		11.9		15.2		21.3		16.4		18.0		13.2		15.9			14.6
Other losses excluding catastrophe losses		35.4		33.8		26.8		35.2		33.2		33.5		22.2		30.4		28.1		32.1		29.9			31.3
Catastrophe losses		1.5		1.9		0.5		0.6		(0.9)		1.3		1.1		1.2		1.2		1.3		0.5			0.5
Total loss ratio		45.3	%	48.6	%	48.9	%	46.2	%	44.2	%	49.6	%	44.3	%	48.7	%	47.0	%	47.5	%	46.1	%		46.1	%
*Certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts.
Consolidated property casualty data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Third-Quarter 2024 Supplemental Financial Data

7

Consolidated Property Casualty
Loss Claim Count Detail
	Three months ended								Six months ended		Nine months ended		Twelve months ended
	12/31/24	9/30/24	6/30/24	3/31/24	12/31/23	9/30/23	6/30/23	3/31/23	6/30/24	6/30/23	9/30/24	9/30/23	12/31/24	12/31/23
Consolidated
Current accident year reported losses greater    than $5 million		3	5	—	5	4	6	5	5	11	8	15		22
Current accident year reported losses    $2 million - $5 million		18	11	8	17	19	11	5	19	16	37	35		49
Prior accident year reported losses on    large losses		6	9	7	14	3	7	3	16	10	22	13		27
Non-Catastrophe reported losses on       large losses total		27	25	15	36	26	24	13	40	37	67	63		98
Commercial Lines
Current accident year reported losses greater    than $5 million		2	5	—	5	3	4	4	5	8	7	11		17
Current accident year reported losses    $2 million - $5 million		12	4	4	13	11	9	4	8	13	20	24		35
Prior accident year reported losses on    large losses		6	9	4	14	3	7	2	13	9	19	12		26
Non-Catastrophe reported losses on       large losses total		20	18	8	32	17	20	10	26	30	46	47		78
Personal Lines
Current accident year reported losses greater    than $5 million		1	—	—	—	1	2	1	—	3	1	4		5
Current accident year reported losses    $2 million - $5 million		5	6	4	4	8	2	1	10	3	15	11		14
Prior accident year reported losses on    large losses		—	—	3	—	—	—	1	3	1	3	1		1
Non-Catastrophe reported losses on       large losses total		6	6	7	4	9	4	3	13	7	19	16		20
Excess & Surplus Lines
Current accident year reported losses greater    than $5 million		—	—	—	—	—	—	—	—	—	—	—		—
Current accident year reported losses    $2 million - $5 million		1	1	—	—	—	—	—	1	—	2	—		—
Prior accident year reported losses on    large losses		—	—	—	—	—	—	—	—	—	—	—		—
Non-Catastrophe reported losses on       large losses total		1	1	—	—	—	—	—	1	—	2	—		—
*The sum of quarterly amounts may not equal the full year as each is computed independently.

CINF Third-Quarter 2024 Supplemental Financial Data

8

Quarterly Property Casualty Data - Commercial Lines
(Dollars in millions)	Three months ended																						Six months ended						Nine months ended						Twelve months ended
	12/31/24	9/30/24			6/30/24			3/31/24			12/31/23			9/30/23			6/30/23			3/31/23			6/30/24			6/30/23			9/30/24			9/30/23			12/31/24	12/31/23
Commercial casualty:
Net written premiums		$	364		$	391		$	417		$	361		$	331		$	378		$	404		$	808		$	782		$	1,172		$	1,114			$	1,475
Year over year change %- written premium		10		%	3		%	3		%	2		%	2		%	1		%	4		%	3		%	2		%	5		%	2		%		2		%
Earned premiums		$	381		$	372		$	365		$	366		$	365		$	373		$	377		$	737		$	750		$	1,118		$	1,115			$	1,481
Current accident year before catastrophe losses		74.1		%	69.6		%	73.6		%	69.6		%	68.3		%	70.5		%	72.6		%	71.6		%	71.6		%	72.5		%	70.5		%		70.3		%
Current accident year catastrophe losses		—			—			—			—			—			—			—			—			—			—			—				—
Prior accident years before catastrophe losses		(0.4)			7.6			0.1			14.0			—			(9.2)			(0.3)			3.9			(4.8)			2.4			(3.2)				1.0
Prior accident years catastrophe losses		—			—			—			—			—			—			—			—			—			—			—				—
Total loss and loss expense ratio		73.7		%	77.2		%	73.7		%	83.6		%	68.3		%	61.3		%	72.3		%	75.5		%	66.8		%	74.9		%	67.3		%		71.3		%
Commercial property:
Net written premiums		$	389		$	392		$	362		$	338		$	344		$	335		$	316		$	754		$	650		$	1,143		$	994			$	1,332
Year over year change %- written premium		13		%	17		%	15		%	14		%	11		%	9		%	6		%	16		%	7		%	15		%	9		%		10		%
Earned premiums		$	361		$	348		$	336		$	331		$	321		$	312		$	299		$	684		$	611		$	1,045		$	933			$	1,264
Current accident year before catastrophe losses		40.9		%	45.7		%	48.5		%	44.4		%	45.2		%	43.4		%	49.0		%	47.0		%	46.1		%	44.9		%	45.8		%		45.5		%
Current accident year catastrophe losses		16.7			28.9			21.3			5.0			23.0			35.0			34.7			25.2			34.9			22.3			30.8				24.0
Prior accident years before catastrophe losses		(7.8)			(3.9)			(4.2)			(3.2)			(2.8)			(1.5)			(7.8)			(4.0)			(4.6)			(5.4)			(4.0)				(3.8)
Prior accident years catastrophe losses		(1.3)			(2.1)			(2.5)			(2.6)			(0.5)			(1.4)			2.4			(2.3)			0.5			(1.9)			0.2				(0.6)
Total loss and loss expense ratio		48.5		%	68.6		%	63.1		%	43.6		%	64.9		%	75.5		%	78.3		%	65.9		%	76.9		%	59.9		%	72.8		%		65.1		%
Commercial auto:
Net written premiums		$	223		$	248		$	259		$	207		$	199		$	233		$	239		$	506		$	472		$	730		$	671			$	878
Year over year change %- written premium		12		%	6		%	8		%	3		%	3		%	3		%	1		%	7		%	2		%	9		%	2		%		2		%
Earned premiums		$	231		$	228		$	220		$	218		$	216		$	214		$	213		$	448		$	428		$	679		$	644			$	862
Current accident year before catastrophe losses		66.7		%	67.9		%	70.0		%	65.0		%	70.1		%	68.3		%	73.5		%	68.9		%	70.9		%	68.2		%	70.6		%		69.2		%
Current accident year catastrophe losses		2.2			4.4			1.6			(1.1)			(0.8)			6.7			0.9			3.0			3.8			2.7			2.3				1.5
Prior accident years before catastrophe losses		0.2			(3.8)			(0.8)			(2.6)			0.7			(1.4)			2.7			(2.4)			0.7			(1.5)			0.6				(0.2)
Prior accident years catastrophe losses		—			—			(0.1)			—			—			(0.3)			(1.5)			—			(1.0)			—			(0.6)				(0.5)
Total loss and loss expense ratio		69.1		%	68.5		%	70.7		%	61.3		%	70.0		%	73.3		%	75.6		%	69.5		%	74.4		%	69.4		%	72.9		%		70.0		%
Workers' compensation:
Net written premiums		$	56		$	55		$	79		$	57		$	57		$	65		$	82		$	134		$	147		$	190		$	203			$	260
Year over year change %- written premium		(2)		%	(15)		%	(4)		%	(11)		%	(5)		%	(6)		%	(5)		%	(9)		%	(5)		%	(6)		%	(5)		%		(6)		%
Earned premiums		$	61		$	59		$	61		$	65		$	66		$	72		$	74		$	120		$	146		$	182		$	212			$	277
Current accident year before catastrophe losses		88.2		%	86.5		%	91.5		%	87.2		%	90.3		%	90.0		%	83.2		%	89.0		%	86.5		%	88.8		%	87.7		%		87.6		%
Current accident year catastrophe losses		—			—			—			—			—			—			—			—			—			—			—				—
Prior accident years before catastrophe losses		(26.7)			(46.9)			(19.3)			(31.1)			(30.7)			(15.4)			(19.6)			(32.9)			(17.5)			(30.8)			(21.6)				(23.9)
Prior accident years catastrophe losses		—			—			—			—			—			—			—			—			—			—			—				—
Total loss and loss expense ratio		61.5		%	39.6		%	72.2		%	56.1		%	59.6		%	74.6		%	63.6		%	56.1		%	69.0		%	58.0		%	66.1		%		63.7		%
Other commercial:
Net written premiums		$	106		$	100		$	106		$	97		$	98		$	95		$	100		$	207		$	196		$	312		$	294			$	391
Year over year change %- written premium		8		%	5		%	6		%	5		%	3		%	2		%	15		%	6		%	9		%	6		%	7		%		7		%
Earned premiums		$	103		$	100		$	100		$	100		$	94		$	95		$	93		$	200		$	187		$	302		$	280			$	380
Current accident year before catastrophe losses		50.5		%	40.7		%	40.5		%	34.5		%	39.1		%	35.2		%	38.1		%	40.6		%	36.6		%	43.9		%	37.4		%		36.7		%
Current accident year catastrophe losses		0.1			—			0.1			—			0.2			0.1			—			0.1			0.1			0.1			0.1				0.1
Prior accident years before catastrophe losses		0.4			0.2			(2.8)			(4.0)			(5.8)			(0.8)			(2.5)			(1.3)			(1.6)			(0.6)			(3.0)				(3.3)
Prior accident years catastrophe losses		(0.1)			0.1			0.1			0.1			—			—			(0.1)			0.1			(0.1)			—			—				—
Total loss and loss expense ratio		50.9		%	41.0		%	37.9		%	30.6		%	33.5		%	34.5		%	35.5		%	39.5		%	35.0		%	43.4		%	34.5		%		33.5		%
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed independently.

CINF Third-Quarter 2024 Supplemental Financial Data

9

Quarterly Property Casualty Data - Personal Lines
(Dollars in millions)	Three months ended																						Six months ended						Nine months ended						Twelve months ended
	12/31/24	9/30/24			6/30/24			3/31/24			12/31/23			9/30/23			6/30/23			3/31/23			6/30/24			6/30/23			9/30/24			9/30/23			12/31/24	12/31/23
Personal auto:
Net written premiums		$	296		$	283		$	216		$	207		$	227		$	212		$	163		$	499		$	374		$	795		$	602			$	809
Year over year change %- written premium		30		%	33		%	33		%	31		%	27		%	20		%	16		%	33		%	18		%	32		%	21		%		24		%
Earned premiums		$	242		$	224		$	208		$	197		$	185		$	173		$	166		$	432		$	339		$	674		$	524			$	721
Current accident year before catastrophe losses		68.7		%	73.3		%	73.8		%	66.7		%	73.2		%	76.6		%	78.8		%	73.5		%	77.7		%	71.8		%	76.0		%		73.6		%
Current accident year catastrophe losses		6.6			3.6			3.4			(1.1)			(3.4)			8.9			4.2			3.5			6.6			4.6			3.1				1.9
Prior accident years before catastrophe losses		1.5			5.3			(1.9)			(1.3)			—			(4.1)			0.3			1.9			(1.9)			1.7			(1.2)				(1.3)
Prior accident years catastrophe losses		—			(0.1)			(0.7)			—			(0.1)			(0.7)			(2.7)			(0.4)			(1.7)			(0.2)			(1.1)				(0.8)
Total loss and loss expense ratio		76.8		%	82.1		%	74.6		%	64.3		%	69.7		%	80.7		%	80.6		%	78.5		%	80.7		%	77.9		%	76.8		%		73.4		%
Homeowner:
Net written premiums		$	442		$	433		$	303		$	298		$	339		$	330		$	222		$	736		$	552		$	1,178		$	890			$	1,188
Year over year change %- written premium		30		%	31		%	36		%	32		%	33		%	27		%	23		%	33		%	25		%	32		%	28		%		29		%
Earned premiums		$	352		$	326		$	303		$	289		$	271		$	251		$	232		$	629		$	484		$	981		$	755			$	1,044
Current accident year before catastrophe losses		40.9		%	42.2		%	46.9		%	42.2		%	45.0		%	47.4		%	46.5		%	44.4		%	46.9		%	43.1		%	46.3		%		45.1		%
Current accident year catastrophe losses		47.4			38.5			21.0			9.2			30.2			33.5			56.1			30.1			44.4			36.3			39.3				31.0
Prior accident years before catastrophe losses		(1.4)			1.2			(2.0)			(2.5)			(1.0)			0.7			(2.6)			(0.3)			(0.8)			(0.7)			(0.9)				(1.4)
Prior accident years catastrophe losses		(1.7)			(1.7)			(6.3)			(0.8)			(2.1)			(3.9)			(9.1)			(4.0)			(6.4)			(3.1)			(4.9)				(3.7)
Total loss and loss expense ratio		85.2		%	80.2		%	59.6		%	48.1		%	72.1		%	77.7		%	90.9		%	70.2		%	84.1		%	75.6		%	79.8		%		71.0		%
Other personal:
Net written premiums		$	94		$	103		$	76		$	74		$	80		$	87		$	63		$	179		$	151		$	273		$	231			$	305
Year over year change %- written premium		18		%	18		%	21		%	21		%	18		%	19		%	19		%	19		%	19		%	18		%	18		%		19		%
Earned premiums		$	84		$	81		$	77		$	74		$	71		$	69		$	66		$	158		$	134		$	242		$	205			$	279
Current accident year before catastrophe losses		66.5		%	54.6		%	57.4		%	48.3		%	55.7		%	56.7		%	58.9		%	56.0		%	57.7		%	59.7		%	57.1		%		54.7		%
Current accident year catastrophe losses		4.1			5.3			2.3			1.8			5.4			11.7			3.5			3.8			7.7			3.9			6.9				5.6
Prior accident years before catastrophe losses		8.7			(5.8)			(2.6)			2.2			1.0			2.3			(1.2)			(4.3)			0.6			0.2			0.7				1.1
Prior accident years catastrophe losses		—			0.2			(0.3)			(0.1)			(0.4)			0.7			1.3			—			1.0			—			0.5				0.3
Total loss and loss expense ratio		79.3		%	54.3		%	56.8		%	52.2		%	61.7		%	71.4		%	62.5		%	55.5		%	67.0		%	63.8		%	65.2		%		61.7		%
Quarterly Property Casualty Data - Excess & Surplus Lines
(Dollars in millions)	Three months ended																						Six months ended						Nine months ended						Twelve months ended
	12/31/24	9/30/24			6/30/24			3/31/24			12/31/23			9/30/23			6/30/23			3/31/23			6/30/24			6/30/23			9/30/24			9/30/23			12/31/24	12/31/23
Excess & Surplus:
Net written premiums		$	157		$	180		$	146		$	150		$	128		$	156		$	136		$	326		$	292		$	483		$	420			$	570
Year over year change %- written premium		23		%	15		%	7		%	23		%	6		%	16		%	10		%	12		%	13		%	15		%	11		%		14		%
Earned premiums		$	157		$	151		$	139		$	148		$	135		$	132		$	127		$	290		$	259		$	447		$	394			$	542
Current accident year before catastrophe losses		64.2		%	64.0		%	65.7		%	60.5		%	64.8		%	69.7		%	69.2		%	64.8		%	69.5		%	64.6		%	67.9		%		65.9		%
Current accident year catastrophe losses		1.7			1.4			0.9			0.5			(0.6)			1.4			1.5			1.2			1.4			1.4			0.8				0.7
Prior accident years before catastrophe losses		2.9			1.6			(1.7)			1.4			0.9			(4.7)			(6.2)			—			(5.4)			1.0			(3.3)				(2.0)
Prior accident years catastrophe losses		(0.2)			0.5			(0.4)			0.2			(0.2)			—			(0.3)			—			(0.1)			—			(0.2)				(0.1)
Total loss and loss expense ratio		68.6		%	67.5		%	64.5		%	62.6		%	64.9		%	66.4		%	64.2		%	66.0		%	65.4		%	67.0		%	65.2		%		64.5		%
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed independently.

CINF Third-Quarter 2024 Supplemental Financial Data

10

Consolidated Property Casualty Loss and Loss Expense Analysis
(Dollars in millions)							Change in		Change in		Change in		Total						Loss
	Paid		Paid loss		Total		case		IBNR		loss expense		change in		Case		IBNR		expense		Total
	losses		expense		paid		reserves		reserves		reserves		reserves		incurred		incurred		incurred		incurred
Gross loss and loss expense incurred for the nine months ended September 30, 2024
Commercial casualty	$	435	$	153	$	588	$	12	$	219	$	16	$	247	$	447	$	219	$	169	$	835
Commercial property	523		55		578		(65)		112		5		52		458		112		60		630
Commercial auto	339		66		405		9		48		10		67		348		48		76		472
Workers' compensation	91		24		115		(27)		23		(3)		(7)		64		23		21		108
Other commercial	98		15		113		10		11		1		22		108		11		16		135
Total commercial lines	1,486		313		1,799		(61)		413		29		381		1,425		413		342		2,180
Personal auto	367		73		440		27		42		15		84		394		42		88		524
Homeowners	486		67		553		18		148		23		189		504		148		90		742
Other personal	127		8		135		(11)		29		2		20		116		29		10		155
Total personal lines	980		148		1,128		34		219		40		293		1,014		219		188		1,421
Excess & surplus lines	135		50		185		27		61		37		125		162		61		87		310
Other	189		10		199		(9)		101		—		92		180		101		10		291
Total property casualty	$	2,790	$	521	$	3,311	$	(9)	$	794	$	106	$	891	$	2,781	$	794	$	627	$	4,202
Ceded loss and loss expense incurred for the nine months ended September 30, 2024
Commercial casualty	$	1	$	1	$	2	$	(1)	$	(2)	$	—	$	(3)	$	—	$	(2)	$	1	$	(1)
Commercial property	21		—		21		(16)		(1)		—		(17)		5		(1)		—		4
Commercial auto	1		—		1		(1)		—		—		(1)		—		—		—		—
Workers' compensation	4		—		4		—		(2)		—		(2)		4		(2)		—		2
Other commercial	19		1		20		(17)		1		—		(16)		2		1		1		4
Total commercial lines	46		2		48		(35)		(4)		—		(39)		11		(4)		2		9
Personal auto	1		—		1		(1)		(1)		—		(2)		—		(1)		—		(1)
Homeowners	6		—		6		(4)		(1)		—		(5)		2		(1)		—		1
Other personal	—		—		—		—		—		—		—		—		—		—		—
Total personal lines	7		—		7		(5)		(2)		—		(7)		2		(2)		—		—
Excess & surplus lines	14		1		15		(5)		1		—		(4)		9		1		1		11
Other	22		1		23		(10)		(12)		—		(22)		12		(12)		1		1
Total property casualty	$	89	$	4	$	93	$	(55)	$	(17)	$	—	$	(72)	$	34	$	(17)	$	4	$	21
Net loss and loss expense incurred for the nine months ended September 30, 2024
Commercial casualty	$	434	$	152	$	586	$	13	$	221	$	16	$	250	$	447	$	221	$	168	$	836
Commercial property	502		55		557		(49)		113		5		69		453		113		60		626
Commercial auto	338		66		404		10		48		10		68		348		48		76		472
Workers' compensation	87		24		111		(27)		25		(3)		(5)		60		25		21		106
Other commercial	79		14		93		27		10		1		38		106		10		15		131
Total commercial lines	1,440		311		1,751		(26)		417		29		420		1,414		417		340		2,171
Personal auto	366		73		439		28		43		15		86		394		43		88		525
Homeowners	480		67		547		22		149		23		194		502		149		90		741
Other personal	127		8		135		(11)		29		2		20		116		29		10		155
Total personal lines	973		148		1,121		39		221		40		300		1,012		221		188		1,421
Excess & surplus lines	121		49		170		32		60		37		129		153		60		86		299
Other	167		9		176		1		113		—		114		168		113		9		290
Total property casualty	$	2,701	$	517	$	3,218	$	46	$	811	$	106	$	963	$	2,747	$	811	$	623	$	4,181
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding.
Other data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Third-Quarter 2024 Supplemental Financial Data

11

Consolidated Property Casualty Loss and Loss Expense Analysis
(Dollars in millions)							Change in		Change in		Change in		Total						Loss
	Paid		Paid loss		Total		case		IBNR		loss expense		change in		Case		IBNR		expense		Total
	losses		expense		paid		reserves		reserves		reserves		reserves		incurred		incurred		incurred		incurred
Gross loss and loss expense incurred for the three months ended September 30, 2024
Commercial casualty	$	162	$	53	$	215	$	(52)	$	105	$	9	$	62	$	110	$	105	$	62	$	277
Commercial property	177		16		193		(22)		17		(4)		(9)		155		17		12		184
Commercial auto	122		21		143		1		9		7		17		123		9		28		160
Workers' compensation	28		8		36		7		(4)		1		4		35		(4)		9		40
Other commercial	34		5		39		2		1		11		14		36		1		16		53
Total commercial lines	523		103		626		(64)		128		24		88		459		128		127		714
Personal auto	129		22		151		2		24		9		35		131		24		31		186
Homeowners	176		21		197		(10)		102		11		103		166		102		32		300
Other personal	51		3		54		(5)		18		—		13		46		18		3		67
Total personal lines	356		46		402		(13)		144		20		151		343		144		66		553
Excess & surplus lines	34		17		51		28		12		20		60		62		12		37		111
Other	63		4		67		7		65		1		73		70		65		5		140
Total property casualty	$	976	$	170	$	1,146	$	(42)	$	349	$	65	$	372	$	934	$	349	$	235	$	1,518
Ceded loss and loss expense incurred for the three months ended September 30, 2024
Commercial casualty	$	6	$	—	$	6	$	(9)	$	(1)	$	—	$	(10)	$	(3)	$	(1)	$	—	$	(4)
Commercial property	9		—		9		—		—		—		—		9		—		—		9
Commercial auto	—		—		—		—		—		—		—		—		—		—		—
Workers' compensation	1		—		1		1		—		—		1		2		—		—		2
Other commercial	7		1		8		(6)		(1)		—		(7)		1		(1)		1		1
Total commercial lines	23		1		24		(14)		(2)		—		(16)		9		(2)		1		8
Personal auto	—		—		—		—		—		—		—		—		—		—		—
Homeowners	1		—		1		(1)		—		—		(1)		—		—		—		—
Other personal	—		—		—		—		—		—		—		—		—		—		—
Total personal lines	1		—		1		(1)		—		—		(1)		—		—		—		—
Excess & surplus lines	—		—		—		3		1		—		4		3		1		—		4
Other	6		1		7		(3)		3		—		—		3		3		1		7
Total property casualty	$	30	$	2	$	32	$	(15)	$	2	$	—	$	(13)	$	15	$	2	$	2	$	19
Net loss and loss expense incurred for the three months ended September 30, 2024
Commercial casualty	$	156	$	53	$	209	$	(43)	$	106	$	9	$	72	$	113	$	106	$	62	$	281
Commercial property	168		16		184		(22)		17		(4)		(9)		146		17		12		175
Commercial auto	122		21		143		1		9		7		17		123		9		28		160
Workers' compensation	27		8		35		6		(4)		1		3		33		(4)		9		38
Other commercial	27		4		31		8		2		11		21		35		2		15		52
Total commercial lines	500		102		602		(50)		130		24		104		450		130		126		706
Personal auto	129		22		151		2		24		9		35		131		24		31		186
Homeowners	175		21		196		(9)		102		11		104		166		102		32		300
Other personal	51		3		54		(5)		18		—		13		46		18		3		67
Total personal lines	355		46		401		(12)		144		20		152		343		144		66		553
Excess & surplus lines	34		17		51		25		11		20		56		59		11		37		107
Other	57		3		60		10		62		1		73		67		62		4		133
Total property casualty	$	946	$	168	$	1,114	$	(27)	$	347	$	65	$	385	$	919	$	347	$	233	$	1,499
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding.
Other data includes results from our Cincinnati Re operations and Cincinnati Global.

CINF Third-Quarter 2024 Supplemental Financial Data

12

Quarterly Property Casualty Data - Consolidated
(Dollars in millions)	Three months ended																						Six months ended						Nine months ended						Twelve months ended
	12/31/24	9/30/24			6/30/24			3/31/24			12/31/23			9/30/23			6/30/23			3/31/23			6/30/24			6/30/23			9/30/24			9/30/23			12/31/24	12/31/23
Premiums
Agency renewal written premiums		$	1,795		$	1,843		$	1,683		$	1,534		$	1,549		$	1,643		$	1,535		$	3,526		$	3,178		$	5,321		$	4,727			$	6,261
Agency new business written premiums		406			407			346			310			313			303			251			753			554			1,159			867				1,177
Other written premiums		92			209			219			76			95			204			233			428			437			520			532				608
Net written premiums		$	2,293		$	2,459		$	2,248		$	1,920		$	1,957		$	2,150		$	2,019		$	4,707		$	4,169		$	7,000		$	6,126			$	8,046
Unearned premium change		(76)			(384)			(256)			64			—			(287)			(178)			(640)			(465)			(716)			(465)				(401)
Earned premiums		$	2,217		$	2,075		$	1,992		$	1,984		$	1,957		$	1,863		$	1,841		$	4,067		$	3,704		$	6,284		$	5,661			$	7,645
Year over year change %
Agency renewal written premiums		16		%	12		%	10		%	10		%	11		%	11		%	10		%	11		%	10		%	13		%	11		%		11		%
Agency new business written premiums		30			34			38			30			19			6			3			36			5			34			9				14
Other written premiums		(3)			2			(6)			27			(1)			4			(10)			(2)			(4)			(2)			(3)				—
Net written premiums		17			14			11			13			12			9			6			13			8			14			9				10
Paid losses and loss expenses
Losses paid		$	946		$	893		$	861		$	933		$	907		$	924		$	893		$	1,755		$	1,816		$	2,701		$	2,723			$	3,656
Loss expenses paid		168			174			176			158			151			157			153			349			311			517			462				620
Loss and loss expenses paid		$	1,114		$	1,067		$	1,037		$	1,091		$	1,058		$	1,081		$	1,046		$	2,104		$	2,127		$	3,218		$	3,185			$	4,276
Incurred losses and loss expenses
Loss and loss expense incurred		$	1,499		$	1,412		$	1,270		$	1,118		$	1,261		$	1,262		$	1,317		$	2,682		$	2,579		$	4,181		$	3,840			$	4,958
Loss and loss expenses paid as a % of incurred		74.3		%	75.6		%	81.7		%	97.6		%	83.9		%	85.7		%	79.4		%	78.4		%	82.5		%	77.0		%	82.9		%		86.2		%
Statutory combined ratio
Loss ratio		58.3		%	59.1		%	55.2		%	47.8		%	54.9		%	58.3		%	60.5		%	57.2		%	59.4		%	57.6		%	57.8		%		55.3		%
Loss adjustment expense ratio		11.0			10.1			9.6			10.3			10.3			9.7			11.6			9.8			10.7			10.2			10.6				10.5
Net underwriting expense ratio		28.5			27.7			27.5			31.3			29.1			27.7			27.5			27.6			27.6			27.9			28.1				28.8
US Statutory combined ratio		97.8		%	96.9		%	92.3		%	89.4		%	94.3		%	95.7		%	99.6		%	94.6		%	97.7		%	95.7		%	96.5		%		94.6		%
Contribution from catastrophe losses		13.4			11.6			6.1			1.8			8.7			12.3			12.7			8.9			12.5			10.5			11.2				8.8
Statutory combined ratio excl. catastrophe losses		84.4		%	85.3		%	86.2		%	87.6		%	85.6		%	83.4		%	86.9		%	85.7		%	85.2		%	85.2		%	85.3		%		85.8		%
GAAP combined ratio
GAAP combined ratio		97.4		%	98.5		%	93.6		%	87.5		%	94.4		%	97.6		%	100.7		%	96.1		%	99.2		%	96.5		%	97.5		%		94.9		%
Contribution from catastrophe losses		13.0			11.2			5.9			1.3			9.1			12.0			12.8			8.6			12.4			10.1			11.3				8.7
GAAP combined ratio excl. catastrophe losses		84.4		%	87.3		%	87.7		%	86.2		%	85.3		%	85.6		%	87.9		%	87.5		%	86.8		%	86.4		%	86.2		%		86.2		%
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed  independently. *nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies. Statutory ratios exclude the results of Cincinnati Global. Consolidated property casualty data includes the results of Cincinnati Re and Cincinnati Global.

CINF Third-Quarter 2024 Supplemental Financial Data

13

Quarterly Property Casualty Data - Commercial Lines
(Dollars in millions)	Three months ended																						Six months ended						Nine months ended						Twelve months ended
	12/31/24	9/30/24			6/30/24			3/31/24			12/31/23			9/30/23			6/30/23			3/31/23			6/30/24			6/30/23			9/30/24			9/30/23			12/31/24	12/31/23
Premiums
Agency renewal written premiums		$	987		$	1,023		$	1,076		$	936		$	914		$	985		$	1,041		$	2,099		$	2,026		$	3,086		$	2,940			$	3,876
Agency new business written premiums		187			193			182			153			148			149			134			375			283			562			431				584
Other written premiums		(36)			(30)			(35)			(29)			(33)			(28)			(34)			(65)			(62)			(101)			(95)				(124)
Net written premiums		$	1,138		$	1,186		$	1,223		$	1,060		$	1,029		$	1,106		$	1,141		$	2,409		$	2,247		$	3,547		$	3,276			$	4,336
Unearned premium change		(1)			(79)			(141)			20			33			(40)			(85)			(220)			(125)			(221)			(92)				(72)
Earned premiums		$	1,137		$	1,107		$	1,082		$	1,080		$	1,062		$	1,066		$	1,056		$	2,189		$	2,122		$	3,326		$	3,184			$	4,264
Year over year change %
Agency renewal written premiums		8		%	4		%	3		%	3		%	6		%	5		%	7		%	4		%	6		%	5		%	6		%		6		%
Agency new business written premiums		26			30			36			18			(1)			(10)			(14)			33			(12)			30			(8)				(3)
Other written premiums		(9)			(7)			(3)			6			(32)			(4)			(13)			(5)			(9)			(6)			(16)				(10)
Net written premiums		11			7			7			5			5			3			4			7			4			8			4				4
Paid losses and loss expenses
Losses paid		$	500		$	460		$	479		$	549		$	490		$	550		$	513		$	941		$	1,063		$	1,440		$	1,552			$	2,101
Loss expenses paid		102			103			106			93			92			96			97			207			193			311			285				379
Loss and loss expenses paid		$	602		$	563		$	585		$	642		$	582		$	646		$	610		$	1,148		$	1,256		$	1,751		$	1,837			$	2,480
Incurred losses and loss expenses
Loss and loss expense incurred		$	706		$	746		$	719		$	651		$	680		$	708		$	748		$	1,465		$	1,456		$	2,171		$	2,136			$	2,787
Loss and loss expenses paid as a % of incurred		85.3		%	75.5		%	81.4		%	98.6		%	85.6		%	91.2		%	81.6		%	78.4		%	86.3		%	80.7		%	86.0		%		89.0		%
Statutory combined ratio
Loss ratio		51.0		%	57.8		%	56.5		%	48.9		%	53.4		%	56.5		%	57.9		%	57.2		%	57.2		%	55.1		%	55.9		%		54.1		%
Loss adjustment expense ratio		11.1			9.6			9.9			11.4			10.6			9.9			12.9			9.7			11.4			10.2			11.2				11.2
Net underwriting expense ratio		31.2			29.9			27.4			32.6			31.8			29.4			27.7			28.7			28.5			29.4			29.5				30.3
Statutory combined ratio		93.3		%	97.3		%	93.8		%	92.9		%	95.8		%	95.8		%	98.5		%	95.6		%	97.1		%	94.7		%	96.6		%		95.6		%
Contribution from catastrophe losses		5.4			9.3			6.2			0.5			6.7			11.1			10.4			7.8			10.7			6.9			9.4				7.2
Statutory combined ratio excl. catastrophe losses		87.9		%	88.0		%	87.6		%	92.4		%	89.1		%	84.7		%	88.1		%	87.8		%	86.4		%	87.8		%	87.2		%		88.4		%
GAAP combined ratio
GAAP combined ratio		93.0		%	99.1		%	96.5		%	92.2		%	95.2		%	96.9		%	100.4		%	97.9		%	98.6		%	96.2		%	97.5		%		96.2		%
Contribution from catastrophe losses		5.4			9.3			6.2			0.5			6.7			11.1			10.4			7.8			10.7			6.9			9.4				7.2
GAAP combined ratio excl. catastrophe losses		87.6		%	89.8		%	90.3		%	91.7		%	88.5		%	85.8		%	90.0		%	90.1		%	87.9		%	89.3		%	88.1		%		89.0		%
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed  independently. *nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies.

CINF Third-Quarter 2024 Supplemental Financial Data

14

Quarterly Property Casualty Data - Personal Lines
(Dollars in millions)	Three months ended																						Six months ended						Nine months ended						Twelve months ended
	12/31/24	9/30/24			6/30/24			3/31/24			12/31/23			9/30/23			6/30/23			3/31/23			6/30/24			6/30/23			9/30/24			9/30/23			12/31/24	12/31/23
Premiums
Agency renewal written premiums		$	695		$	681		$	494		$	486		$	542		$	541		$	388		$	1,175		$	929		$	1,870		$	1,471			$	1,957
Agency new business written premiums		165			163			122			109			122			106			79			285			185			450			307				416
Other written premiums		(28)			(25)			(21)			(16)			(18)			(18)			(19)			(46)			(37)			(74)			(55)				(71)
Net written premiums		$	832		$	819		$	595		$	579		$	646		$	629		$	448		$	1,414		$	1,077		$	2,246		$	1,723			$	2,302
Unearned premium change		(154)			(188)			(7)			(19)			(119)			(136)			16			(195)			(120)			(349)			(239)				(258)
Earned premiums		$	678		$	631		$	588		$	560		$	527		$	493		$	464		$	1,219		$	957		$	1,897		$	1,484			$	2,044
Year over year change %
Agency renewal written premiums		28		%	26		%	27		%	24		%	24		%	24		%	17		%	26		%	20		%	27		%	22		%		22		%
Agency new business written premiums		35			54			54			45			51			20			52			54			32			47			39				41
Other written premiums		(56)			(39)			(11)			30			(13)			(13)			(73)			(24)			(37)			(35)			(28)				(8)
Net written premiums		29			30			33			30			29			23			20			31			22			30			24				26
Paid losses and loss expenses
Losses paid		$	355		$	335		$	282		$	277		$	324		$	298		$	288		$	618		$	585		$	973		$	909			$	1,185
Loss expenses paid		46			51			51			45			39			44			40			102			85			148			123				168
Loss and loss expenses paid		$	401		$	386		$	333		$	322		$	363		$	342		$	328		$	720		$	670		$	1,121		$	1,032			$	1,353
Incurred losses and loss expenses
Loss and loss expense incurred		$	553		$	489		$	379		$	304		$	368		$	384		$	386		$	868		$	770		$	1,421		$	1,138			$	1,442
Loss and loss expenses paid as a % of incurred		72.5		%	78.9		%	87.9		%	105.9		%	98.6		%	89.1		%	85.0		%	82.9		%	87.0		%	78.9		%	90.7		%		93.8		%
Statutory combined ratio
Loss ratio		71.7		%	67.1		%	55.2		%	45.9		%	60.7		%	68.3		%	73.6		%	61.3		%	70.9		%	65.0		%	67.3		%		61.4		%
Loss adjustment expense ratio		9.8			10.5			9.3			8.4			9.2			9.6			9.6			9.9			9.6			9.9			9.4				9.2
Net underwriting expense ratio		25.8			25.2			29.6			30.0			26.3			25.5			30.0			27.1			27.4			26.6			27.0				27.7
Statutory combined ratio		107.3		%	102.8		%	94.1		%	84.3		%	96.2		%	103.4		%	113.2		%	98.3		%	107.9		%	101.5		%	103.7		%		98.3		%
Contribution from catastrophe losses		26.6			20.9			8.8			4.2			13.9			19.7			24.7			15.0			22.1			19.2			19.2				15.1
Statutory combined ratio excl. catastrophe losses		80.7		%	81.9		%	85.3		%	80.1		%	82.3		%	83.7		%	88.5		%	83.3		%	85.8		%	82.3		%	84.5		%		83.2		%
GAAP combined ratio
GAAP combined ratio		110.3		%	106.9		%	93.9		%	84.7		%	99.9		%	107.6		%	112.5		%	100.6		%	110.0		%	104.1		%	106.4		%		100.4		%
Contribution from catastrophe losses		26.6			20.9			8.8			4.2			13.9			19.7			24.7			15.0			22.1			19.2			19.2				15.1
GAAP combined ratio excl. catastrophe losses		83.7		%	86.0		%	85.1		%	80.5		%	86.0		%	87.9		%	87.8		%	85.6		%	87.9		%	84.9		%	87.2		%		85.3		%
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed  independently. *nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies.

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Quarterly Property Casualty Data - Excess & Surplus Lines
(Dollars in millions)	Three months ended																						Six months ended						Nine months ended						Twelve months ended
	12/31/24	9/30/24			6/30/24			3/31/24			12/31/23			9/30/23			6/30/23			3/31/23			6/30/24			6/30/23			9/30/24			9/30/23			12/31/24	12/31/23
Premiums
Agency renewal written premiums		$	113		$	139		$	113		$	112		$	93		$	117		$	106		$	252		$	223		$	365		$	316			$	428
Agency new business written premiums		54			51			42			48			43			48			38			93			86			147			129				177
Other written premiums		(10)			(10)			(9)			(10)			(8)			(9)			(8)			(19)			(17)			(29)			(25)				(35)
Net written premiums		$	157		$	180		$	146		$	150		$	128		$	156		$	136		$	326		$	292		$	483		$	420			$	570
Unearned premium change		—			(29)			(7)			(2)			7			(24)			(9)			(36)			(33)			(36)			(26)				(28)
Earned premiums		$	157		$	151		$	139		$	148		$	135		$	132		$	127		$	290		$	259		$	447		$	394			$	542
Year over year change %
Agency renewal written premiums		22		%	19		%	7		%	18		%	—		%	6		%	13		%	13		%	9		%	16		%	6		%		9		%
Agency new business written premiums		26			6			11			45			26			45			6			8			25			14			25				30
Other written premiums		(25)			(11)			(13)			(67)			(33)			(13)			(33)			(12)			(21)			(16)			(25)				(35)
Net written premiums		23			15			7			23			6			16			10			12			13			15			11				14
Paid losses and loss expenses
Losses paid		$	34		$	41		$	46		$	34		$	33		$	29		$	28		$	86		$	56		$	121		$	90			$	124
Loss expenses paid		17			16			17			17			16			14			12			34			27			49			43				59
Loss and loss expenses paid		$	51		$	57		$	63		$	51		$	49		$	43		$	40		$	120		$	83		$	170		$	133			$	183
Incurred losses and loss expenses
Loss and loss expense incurred		$	107		$	102		$	90		$	93		$	87		$	89		$	81		$	192		$	170		$	299		$	257			$	350
Loss and loss expenses paid as a % of incurred		47.7		%	55.9		%	70.0		%	54.8		%	56.3		%	48.3		%	49.4		%	62.5		%	48.8		%	56.9		%	51.8		%		52.3		%
Statutory combined ratio
Loss ratio		45.2		%	48.6		%	48.9		%	46.2		%	44.2		%	49.6		%	44.3		%	48.7		%	47.0		%	47.5		%	46.1		%		46.1		%
Loss adjustment expense ratio		23.4			19.0			15.6			16.5			20.6			16.9			19.9			17.4			18.4			19.5			19.1				18.4
Net underwriting expense ratio		26.7			26.0			26.0			27.7			26.6			24.3			24.4			26.0			24.4			26.2			25.1				25.7
Statutory combined ratio		95.3		%	93.6		%	90.5		%	90.4		%	91.4		%	90.8		%	88.6		%	92.1		%	89.8		%	93.2		%	90.3		%		90.2		%
Contribution from catastrophe losses		1.5			1.9			0.5			0.7			(0.8)			1.4			1.2			1.2			1.3			1.4			0.6				0.6
Statutory combined ratio excl. catastrophe losses		93.8		%	91.7		%	90.0		%	89.7		%	92.2		%	89.4		%	87.4		%	90.9		%	88.5		%	91.8		%	89.7		%		89.6		%
GAAP combined ratio
GAAP combined ratio		95.3		%	95.4		%	91.9		%	89.8		%	90.5		%	92.2		%	89.9		%	93.7		%	91.1		%	94.3		%	90.9		%		90.6		%
Contribution from catastrophe losses		1.5			1.9			0.5			0.7			(0.8)			1.4			1.2			1.2			1.3			1.4			0.6				0.6
GAAP combined ratio excl. catastrophe losses		93.8		%	93.5		%	91.4		%	89.1		%	91.3		%	90.8		%	88.7		%	92.5		%	89.8		%	92.9		%	90.3		%		90.0		%
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed  independently. *nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies.

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Consolidated Cincinnati Insurance Companies
Statutory Statements of Income
	For the Three Months Ended September 30,							For the Nine Months Ended September 30,
(Dollars in millions)	2024		2023		Change		% Change	2024		2023		Change		% Change
Underwriting income
Net premiums written	$	2,216	$	1,888	$	328	17	$	6,774	$	5,911	$	863	15
Unearned premium change	106		30		76		253	693		443		250		56
Earned premiums	$	2,110	$	1,858	$	252	14	$	6,081	$	5,468	$	613	11
Losses incurred	$	1,231	$	1,019	$	212	21	$	3,503	$	3,163	$	340	11
Defense and cost containment expenses incurred	115		88		27		31	287		265		22		8
Adjusting and other expenses incurred	117		105		12		11	333		314		19		6
Other underwriting expenses incurred	630		548		82		15	1,886		1,654		232		14
Workers compensation dividend incurred	1		1		—		—	4		4		—		—
Total underwriting deductions	$	2,094	$	1,761	$	333	19	$	6,013	$	5,400	$	613	11
Net underwriting profit	$	16	$	97	$	(81)	(84)	$	68	$	68	$	—	—
Investment income
Gross investment income earned	$	170	$	144	$	26	18	$	484	$	424	$	60	14
Net investment income earned	168		143		25		17	478		419		59		14
Net realized capital gains and losses, net	285		(26)		311		nm	333		(76)		409		nm
Net investment gains (net of tax)	$	453	$	117	$	336	287	$	811	$	343	$	468	136
Other income	$	2	$	1	$	1	100	$	5	$	4	$	1	25
Net income before federal income taxes	$	471	$	215	$	256	119	$	884	$	415	$	469	113
Federal and foreign income taxes incurred	24		47		(23)		(49)	83		82		1		1
Net income (statutory)	$	447	$	168	$	279	166	$	801	$	333	$	468	141
Policyholders' surplus - statutory	$	8,258	$	6,506	$	1,752	27	$	8,258	$	6,506	$	1,752	27
Fixed maturities at amortized cost - statutory	$	11,714	$	9,630	$	2,084	22	$	11,714	$	9,630	$	2,084	22
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. *nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies.

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The Cincinnati Life Insurance Company
Statutory Statements of Income
	For the Three Months Ended September 30,							For the Nine Months Ended September 30,
(Dollars in millions)	2024		2023		Change		% Change	2024		2023		Change		% Change
Net premiums written	$	89	$	90	$	(1)	(1)	$	268	$	273	$	(5)	(2)
Net investment income	48		47		1		2	142		138		4		3
Commissions and expense allowances on reinsurance ceded	1		1		—		—	3		3		—		—
Income from fees associated with separate accounts	1		2		(1)		(50)	4		7		(3)		(43)
Total revenues	$	139	$	140	$	(1)	(1)	$	417	$	421	$	(4)	(1)
Death benefits and matured endowments	$	41	$	43	$	(2)	(5)	$	126	$	122	$	4	3
Annuity benefits	29		34		(5)		(15)	97		108		(11)		(10)
Disability benefits and benefits under accident and health contracts	1		—		1		nm	2		1		1		100
Surrender benefits and group conversions	9		7		2		29	26		21		5		24
Interest and adjustments on deposit-type contract funds	2		2		—		—	4		6		(2)		(33)
Increase in aggregate reserves for life and accident and health contracts	(3)		4		(7)		nm	(20)		(3)		(17)		(567)
Total benefit expenses	$	79	$	90	$	(11)	(12)	$	235	$	255	$	(20)	(8)
Commissions	$	12	$	12	$	—	—	$	37	$	37	$	—	—
General insurance expenses and taxes	15		14		1		7	45		41		4		10
Increase in loading on deferred and uncollected premiums	2		(2)		4		nm	2		(1)		3		nm
Net transfers from separate accounts	—		(3)		3		100	(3)		(6)		3		50
Total underwriting expenses	$	29	$	21	$	8	38	$	81	$	71	$	10	14
Federal and foreign income taxes incurred	7		3		4		133	24		19		5		26
Net gain from operations before capital gains and losses	$	24	$	26	$	(2)	(8)	$	77	$	76	$	1	1
Gains and losses net of capital gains tax, net	(1)		—		(1)		nm	(10)		(3)		(7)		(233)
Net income (statutory)	$	23	$	26	$	(3)	(12)	$	67	$	73	$	(6)	(8)
Policyholders' surplus - statutory	$	482	$	395	$	87	22	$	482	$	395	$	87	22
Fixed maturities at amortized cost - statutory	$	3,847	$	3,886	$	(39)	(1)	$	3,847	$	3,886	$	(39)	(1)
*Dollar amounts shown are rounded to millions; certain amounts may not add due to rounding. *nm - Not meaningful *Statutory data prepared in accordance with statutory accounting rules as defined by the National Association of Insurance Commissioners and filed with the appropriate regulatory bodies.

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Quarterly Data - Other
(Dollars in millions)	Three months ended																						Six months ended						Nine months ended						Twelve months ended
	12/31/24	9/30/24			6/30/24			3/31/24			12/31/23			9/30/23			6/30/23			3/31/23			6/30/24			6/30/23			9/30/24			9/30/23			12/31/24	12/31/23
Cincinnati Re:
Net written premiums		$	89		$	207		$	202		$	66		$	85		$	177		$	230		$	409		$	407		$	498		$	492			$	558
Year over year change %- written premium		5		%	17		%	(12)		%	(1)		%	(1)		%	—		%	(9)		%	—		%	(6)		%	1		%	(5)		%		(5)		%
Earned premiums		$	138		$	138		$	135		$	123		$	134		$	122		$	150		$	273		$	272		$	411		$	406			$	529
Current accident year before catastrophe losses		52.5		%	49.6		%	63.0		%	42.6		%	51.5		%	57.8		%	45.2		%	56.3		%	50.9		%	55.0		%	51.1		%		49.1		%
Current accident year catastrophe losses		30.2			2.4			—			2.0			11.5			1.8			0.3			1.2			1.0			11.0			4.4				3.9
Prior accident years before catastrophe losses		(10.1)			(0.8)			(10.4)			4.6			(7.9)			(17.1)			6.0			(5.6)			(4.4)			(7.1)			(5.5)				(3.2)
Prior accident years catastrophe losses		(2.5)			(4.7)			—			1.0			2.0			1.9			1.7			(2.4)			1.8			(2.4)			1.9				1.7
Total loss and loss expense ratio		70.1		%	46.5		%	52.6		%	50.2		%	57.1		%	44.4		%	53.2		%	49.5		%	49.3		%	56.5		%	51.9		%		51.5		%
Cincinnati Global:
Net written premiums		$	77		$	67		$	82		$	65		$	69		$	82		$	64		$	149		$	146		$	226		$	215			$	280
Year over year change %- written premium		12		%	(18)		%	28		%	23		%	21		%	19		%	25		%	2		%	22		%	5		%	21		%		22		%
Earned premiums		$	107		$	48		$	48		$	73		$	99		$	50		$	44		$	96		$	94		$	203		$	193			$	266
Current accident year before catastrophe losses		31.6		%	47.9		%	48.2		%	24.6		%	34.1		%	61.7		%	35.3		%	48.1		%	49.3		%	39.4		%	41.5		%		36.9		%
Current accident year catastrophe losses		9.6			—			—			(8.4)			18.2			1.1			11.1			—			5.8			5.0			12.1				6.5
Prior accident years before catastrophe losses		(3.8)			(21.2)			(19.7)			(1.0)			(3.4)			(9.7)			0.8			(20.4)			(4.7)			(11.7)			(4.0)				(3.2)
Prior accident years catastrophe losses		(3.6)			(4.4)			(5.9)			(2.7)			(0.2)			2.5			2.4			(5.2)			2.4			(4.3)			1.1				—
Total loss and loss expense ratio		33.8		%	22.3		%	22.6		%	12.5		%	48.7		%	55.6		%	49.6		%	22.5		%	52.8		%	28.4		%	50.7		%		40.2		%
Noninsurance operations:
Interest and fees on loans and leases		$	3		$	2		$	2		$	3		$	2		$	1		$	2		$	4		$	3		$	7		$	5			$	8
Other revenue		—			2			1			2			1			1			1			3			2			3			3				5
Interest expense		13			14			13			14			13			13			14			27			27			40			40				54
Operating expenses		6			9			4			8			5			7			5			13			12			19			17				25
Total noninsurance operations loss		$	(16)		$	(19)		$	(14)		$	(17)		$	(15)		$	(18)		$	(16)		$	(33)		$	(34)		$	(49)		$	(49)			$	(66)
*Dollar amounts shown are in conformity with GAAP and rounded to millions; certain amounts may not add due to rounding. Ratios are calculated based on whole dollar amounts. The sum of quarterly amounts may not equal the full year as each is computed independently.
*Noninsurance operations include the noninvestment operations of the parent company and a noninsurance subsidiary, CFC Investment Company.

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