Intact Financial Investor Presentation — February 2020

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Intact Financial Corporation (TSX: IFC)

Updated : February 5, 202010 YEARS OF OUTPERFORMANCE

1INVESTOR PRESENTATION4.35.7 650

Premium Growth Combined Ratio Return on Equity

AVERAGE ANNUAL TSR4INDUSTRY OUTPERFORMANCE2

DIVIDEND AND NOIPS GROWTHptsbps 1

1Industry data: IFC estimates based on MSA Research Inc. and proforma FY 2018 + GCNA acquisition. Please refer to Important n otes on page 2 of the Q4 -2019 MD&A for further information.

2Figures based on FY 2009 -FY 2018

3Figures based on FY 2010 -FY 2019

4TSR = Total shareholder return, figures from 04/02/2009 to 31/12/2019ptsPROVEN 10 YEAR

IFC is 17x the size of average

competitor47%-TOP 5 -

PROVEN INDUSTRY CONSOLIDATOR

2Canada’s World Class P&C Insurer

19%INVESTOR PRESENTATIONA decade of meeting our financial objectives

ORGANIC GROWTH MARGIN EXPANSIONSTRATEGIC CAPITAL

DEPLOYMENTNOIPS Growth

1 IFC total FY 2019 DPW including proforma The Guarantee Company of North America results (estimate based on Q3 -2019 MSA Reseaech Inc.)

2 Industry data: IFC estimates based on MSA Research Inc. and proforma FY 2018 + GCNA acquisition. Please refer to Important n otes on page 2 of the Q4 -2019 MD&A for further information.

32018 5 -year average Combined Ratio vs. 2010 5 -year average Combined Ratio, ex -Cat

410 year average (FY 2008 to FY 2018) based on MSA Research Inc.5 Period from Jan 1/2010 to Sept 30/2019, estimated3ROE

Outperformance4.1 pts5.2 pts 4.8 pts 5.2 pts

Personal Auto Personal Property Commercial P&C Commercial Auto1465

OUTPERFORMANCE~2 pts

CLAIMS MANAGEMENT$9.5B OF TOTAL CAPITAL

PRICING & RISK SELECTIONINVESTMENT & CAPITAL

MARKET SHARE2 17%2009

R E T U R NDividends Organic Growth

*Includes Manufacturing, Distribution and VenturesINVESTOR PRESENTATION

3 out of 4 customers actively

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