Organic Capital Generation and IFRS Transition Outlook

11 MAIN GROWTH DRIVERS Our key actions for success Remain at the leading edge of digital tools SALES EARNINGS Leverage full range of products to meet clients' needs Build on our extensive relationships with distributors Optimize synergies between business units ☑ Maintain pricing discipline M Continue growing sales and revenues faster than expenses Digital and Lean initiatives for more operational efficiencies Develop expansion businesses by leveraging leading expertise

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