Intact Financial Corporation 2022 Annual Report

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Intact

INTACT FINANCIAL CORPORATION ANNUAL REPORT 2022

Who We Are

Intact is the largest provider of Property & Casualty insurance in Canada,

a leading specialty lines insurer with international expertise

and a leader in personal and commercial lines in the U.K. and Ireland.

Our business has grown organically and through acquisitions

to over $21 billion of total annual operating Direct Premiums Written1.

67%23%23%

We have a global team of 29,000 employees

delivering best-in-class operations through a diversified business offering.

1 This is a non-GAAP financial measure.

What We Aim To Achieve

Our strategic objectives define what we aim to achieve: placing customers at the centre of

everything we do, making sure our employees are engaged and proud to work at Intact, and being

recognized as leaders in building resilient communities and industry outperformance.

MOST RESPECTED

Our Strategic Roadmap

2 INTACT FINANCIAL CORPORATION ANNUAL REPORT 2022

1. These are non-GAAP financial measures. See Section 36 - Non-GAAP and other financial measures of the MD&A for the definition and reconciliation to the most comparable GAAP measures.
2. Intact's ROE corresponds to an adjusted retuon equity (AROE), which is more comparable to the industry.
3. Intact's Resilience Barometer, launched in Canada this year, measures our social impact performance through feedback from key stakeholders.
4. Including Scope 1, Scope 2 and Scope 3 business travel.