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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 [ 16 ]
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