Intact Financial Corp Fireside Chat Hosted by TD Securities (Virtual) Transcript
Good afternoon, everyone, and thank you for joining us. Charles, I really appreciate you being here. There's very few CEO on The Street that I think really don't need an introduction. You've been around a good amount of time and had a very good run at the institution. So I'm sure everybody knows who you are.
Before we get started, Charles, can I go to you for some opening comments maybe on the quarter in particular?
Sure. I think, Mario, lots of headwinds in the environment in which we operate. And for me, Q4 clearly showed again the resilience of the platform. I think we're starting to see growth turn because the environment in which we operate is quite conducive to our value proposition and the stance we took the underwriting performance at 91.5, when you have 1.5 points of CATS beyond expectation is, in my view, quite strong.
And there was a lot of focus on personal automobile. We think we
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