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Intact Financial (IFC) investor relations material
Intact Financial 24th Annual CIBC Eastern Institutional Investor Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Financial performance and ROE outlook
Sustained above-average ROE, with a five-year average of 16% and consistent outperformance versus industry by 650 basis points, exceeding the 500 basis point target.
Business mix has shifted, with commercial and specialty lines growing from 30% in 2015 to over 50% today, supporting ROE sustainability.
Outperformance is driven by pricing and risk selection, claims management and supply chain, and capital management and investment.
Initiatives in pricing sophistication, such as machine learning models, are being aggressively deployed in commercial and specialty lines.
Claims management and competitive advantages
Claims strategy centers on internalizing expertise and deep supply chain integration, with nearly all claims in Canada handled by employees.
Legal defense is largely internalized, with over 600 professionals handling 80% of liability claims.
Service centers for car repairs and the OnSite acquisition have improved cycle times and customer satisfaction.
These competitive advantages are considered difficult to replicate due to scale and expertise built over 20 years.
AI, technology, and innovation
Over 500 AI models are deployed, generating $150 million in recurring benefits, with a target of $500 million by 2030.
AI benefits are focused two-thirds on pricing and risk, and one-third on efficiency and customer experience.
Generative AI is being leveraged for efficiency, but the main opportunity is in pricing and customer experience rather than just cost reduction.
Fourth-generation machine learning models are being expanded from personal lines in Canada to commercial lines in the US and UK.
AI modules are being developed to automate underwriting and enhance broker interactions.
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