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Investor Presentaiton

. 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 $13.4 billion investment portfolio Distinct brands [intact] INSURANCE belairdirect. . Proven industry consolidator 2014 Direct premiums written ($ 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 [2]
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