Slide 1: Q2-2025 Review of Performance
Intact Financial Corporation (TSX: IFC) Q2-2025 Review of Performance July 30, 2025
Slide 2: Forward-looking statements
Forward-looking statements Certain of the statements in this presentation about the Company’s current and future plans, expectations and intentions, results, levels of activity, performance, goals or achievements or any other future events or developments constitute forward-looking statements. The w
Slide 3: Disclaimer
Disclaimer This presentation does not constitute or form part of any offer for sale or solicitation of any offer to buy or subscribe for any securities nor shall it or any part of it form the basis of or be relied on in connection with, or act as any inducement to enter into, any contract or commitm
Slide 4: Charles Brindamour, Chief Executive Officer
Charles Brindamour Chief Executive Officer 4 Q2-2025 Review of Performance
Slide 5: Q2-2025 key points & highlights
Q2-2025 key points & highlights $5.23 $98.67 NOIPS 1,2 up 8% year-over-year, driven by robust underwriting BVPS 1 increased 12% year-over-year due strong earnings over 16.3% results the last 12 months and favourable market movements OROE 1 despite the impact of higher-than-expected catastrophe losse
Slide 6: Q2-2025 Canadian results
Q2-2025 Canadian results Industry premium Operating DPW growth1 Combined ratio1 Guidance growth outlook2 +11% 90.3% Growth in the Sub-95% combined reflecting rate actions and reflecting strong performance even in a high-single-digits ratio PERSONAL AUTO 2% unit growth seasonally favorable quarter +1
Slide 7: Q2-2025 UK&I and US results
Q2-2025 UK&I and US results Operating DPW growth Industry premium Combined ratio1 Guidance (constant currency)1 growth outlook2 -5% 92.9% Growth in the low-to- mid single-digits Evolve combined ratio towards 90% by the reflecting continued remediation in the despite higher large losses, as we see en
Slide 8: Progress on our Strategic Roadmap
Progress on our Strategic Roadmap Expand leadership Strengthen our leading position Build a Global Specialty position in Canada in UK & Ireland Lines Leader • Efforts are ongoing to modernize • GSL expanded its Renewable Energy • Launched ‘Keep it Intact’, a national, RSA’s Commercial lines technolo
Slide 9: Ken Anderson, Chief Financial Officer
Ken Anderson Chief Financial Officer 9 Q2-2025 Review of Performance
Slide 10: Delivering another strong quarter
Delivering another strong quarter Combined ratio1 (1.0)% Underlying current 87.1% 86.1% Underlying current year loss ratio of 56.8%, reflecting the benefit of our year loss1 profitability actions across all regions, despite higher large losses in UK&I. 34.1% 34.3% Catastrophe loss ratio of 2.4% was
Slide 11: Robust underwriting results
Robust underwriting results Net operating income attributable to Underwriting income1 Operating net investment income Distribution income1 common shareholders1 8% 15% 3% -2% $ 935 $ 784 $ 400 $ 169 $ 165 $ 866 $ 681 $ 387 Q2-24 Q2-25 Q2-24 Q2-25 Q2-24 Q2-25 Q2-24 Q2-25 in millions of Canadian dollar
Slide 12: Maintaining a strong financial position
Maintaining a strong financial position Capital position Capital Structure Equity Total capital margin1,2 Adjusted debt-to-total capital ratio1,2 Book value per share1,2 $3.1B 18.4% $98.67 in line with last quarter, mainly due to strong decreased from last quarter, driven by strong capital increased
Slide 13: Q&A
Q&A 13 Q&A
Slide 14: Contact us
Contact us Investor Inquiries Intact Financial Corporation 700 University Avenue Toronto, ON M5G 0A1 ir@intact.net www.intactfc.com Investor Relations Geoff Kwan Deputy SVP, Finance and Chief Investor Relations Officer 1-866-440-8300 ext. 20022 ir@intact.net Media Inquiries Caroline Audet Manager, M