Investor Presentaiton
Consistent outperformance
Significant
scale
Sophisticated
pricing and
advantage
underwriting
In-house
claims
expertise
Broker
relationships
Multi-channel
distribution
Proven
acquisition
strategy
FY2014 outperformance
(for the period ended December 31, 2014)
■Industry
IFC
16.8%
99.4%
94.5%
8.6%
Combined ratio
ROE (annualized)
Industry data: IFC estimates based on MSA Research excluding Lloyd's, ICBC, SGI, SAF, MPI, Genworth and IFC.
Combined ratio includes market yield adjustment (MYA)
IFC's ROE corresponds to the AROE
Intact Financial Corporation
76.7%
Solid
investment
returns
Five-year average loss ratios
(for the period ended December 31, 2014)
■Industry
■ IFC
68.5%
65.5%
61.0%
56.9%
54.7%
Auto
Personal Property
Commercial P&C
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