Investor Presentaiton
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Canada's P&C insurance leader
Leader in a fragmented industry
Largest P&C insurer in Canada
Over $7 billion in direct premiums written
#1 in British Columbia, Alberta, Ontario,
Quebec and Nova Scotia
$13.4 billion investment portfolio
Distinct brands
[intact]
INSURANCE
belairdirect.
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Proven industry consolidator
2014 Direct premiums written
($ billions)
7.6
Top five insurers
represent 47% of
the market
4.0
4.0
BrokerLink
10-year outperformance
IFC vs. P&C industry³
3.0
3.0
Premium growth
5.1 pts
Combined ratio4
3.4 pts
IFC1
Aviva Canada
Desjardins²
TD Insurance RSA Canada
Estimated Market Share
Return on equity5
7.1 pts
16.9%
8.7%
8.7%
6.6%
6.6%
1 IFC direct premiums written in 2014 is pro forma including CDI
2 Desjardins direct premiums written in 2014 is pro forma including State Farm
3 Industry data: IFC estimates based on MSA Research excluding Lloyd's, ICBC, SGI, SAF, MPI, Genworth and IFC. All data as at December 31, 2014
4 Combined ratio includes the market yield adjustment (MYA)
5 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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