Investor Presentation: Outperforming in the Next Decade slide image

Investor Presentation: Outperforming in the Next Decade

Page 21 | Investor Presentation [intact] Further industry consolidation ahead Our domestic acquisition strategy Open to manufacturing, distribution, and supply chain opportunities • M&A will continue to accelerate key strategic focuses: scale, enhanced distribution capabilities, and a broadened customer offering Strong track record of executing our strategy with a proven ability to achieve synergy targets and attractive rates of return Track record of acquisitions since 2001 Company DPW US$1.2 billion Year 2017 2016 OneBeacon Insurance Group, Ltd. InnovAssur, assurances générales inc. C$50 million 2015 2014 2012 Canadian Direct Insurance Inc. Metro General Insurance Corporation Ltd. JEVCO Insurance Company C$143 million C$27 million 2011 2004 2001 Zurich North America Canada AXA Canada Inc. Allianz of Canada, Inc. C$350 million C$2 billion C$672 million C$510 million Canadian M&A environment Environment conducive to acquisitions: Industry ROEs remain below the long-term average of 10%, while our outperformance gap has widened Necessary investments in technology & innovation, increasing CAT experience, and persistently low investment yields continue to favour scale Demutualization likely for P&C insurance industry Top 20 P&C insurers = 84% of market Canadian IFC, 16% Owned, Canadian Mutuals, 13% Public, 4% Canadian Bank Non-top 20, 16% Owned, 6% Top 5 - 2018 47% OF THE MARKET Foreign Owned, 29% Private & Others, 16% Top 5 - 2009 36% OF THE MARKET Industry data: IFC estimates based on MSA Research. Please refer to Important notes on page 2 of the Q2-2019 MD&A for further information. All data as at December 31, 2018
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