Investor Presentaiton
P&C industry 10-year
performance versus IFC
IFC's competitive advantages
Sophisticated pricing and underwriting
105%
103%
•
Significant scale advantage
101%
99%
discipline
97%
•
In-house claims expertise
95%
93%
•
Broker relationships
91%
•
Solid investment returns
89%
87%
•
Strong organic growth potential
85%
Combined ratio
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
Industry¹
10-year avg.
= 98.0%
[intact]
10-year avg.
= 94.6%
Return on equity
40%
240
(Base 100 = 2004)
35%
220
30%
200
25%
[intact]
Direct premiums written growth
[intact]
10-year avg.
= 8.3%
180
20%
10-year avg.
160
= 16.8%2
15%
140
10%
Industry1
Industry¹
10-year avg.
= 3.2%
5%
10-year avg.
= 9.7%
120
0%
100
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
1 Industry data: IFC estimates based on MSA Research excluding Lloyd's, ICBC, SGI, SAF, MPI, Genworth and IFC. All data as at Dec 31, 2014.
2 ROES reflect IFRS beginning in 2010. Since 2011, IFC's ROE is adjusted return on common shareholders' equity (AROE).
Intact Financial Corporation
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