IFZZF - Intact Financial Corporation (IFCZF) Q4 2024 Earnings Call Transcript

2025-02-12 14:23:52 ET

Intact Financial Corporation (IFCZF)

Q4 2024 Earnings Conference Call

February 12, 2025, 11:00 ET

Company Participants

Geoff Kwan - Chief Investor Relations Officer

Charles Brindamour - CEO & Director

Louis Marcotte - EVP & CFO

Guillaume Lamy - SVP, Personal Lines

Patrick Barbeau - COO

Kenneth Anderson - EVP & CFO, RSA UK and International

Darren Godfrey - EVP & Chief Underwriting Officer, Global Specialty Lines

Conference Call Participants

Doug Young - Desjardins Capital Markets

Tom MacKinnon - BMO Capital Markets

Jaeme Gloyn - National Bank Financial

Mario Mendonca - TD Securities

Paul Holden - CIBC

Lemar Persaud - Cormark

John Aiken - Jefferies

Presentation

Operator

Good morning, ladies and gentlemen, and welcome to the Intact Financial Corporation Q4 2024 Results Conference Call. [Operator Instructions]. Also note that this call is being recorded on Wednesday, February 12, 2025.

And now I would like to turn the conference over to Geoff Kwan, Chief Investor Relations Officer. Please go ahead, sir.

Geoff Kwan

Thank you, Sylvia. Hello, everyone, and thank you for joining the call to discuss our fourth quarter financial results. A link to our live webcast and materials for this call have been posted on our website at intactfc.com under the Investors tab.

Before we start, please refer to Slide 2 for cautionary language regarding the use of forward-looking statements, which form part of this morning's remarks and Slide 3 for a note on the use of non-GAAP financial measures and important notes on adjustments, terms and definitions used in this presentation.

To discuss our results today, I have with me our CEO, Charles Brindamour; our CFO, Louis Marcotte; Patrick Barbeau, Executive Vice President and Chief Operating Officer; Darren Godfrey, Executive Vice President and Chief Underwriting Officer for Global Specialty Lines, Guillaume Lamy, Senior Vice President, Personal Lines; and Ken Anderson, Executive Vice President and CFO of UK&I. We will begin with prepared remarks followed by Q&A....

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