BIC : Capital Markets Day - Horizon Strategy Presentations

BIC CAPITAL MARKETS DAY

PRESENTATIONS

10 NOVEMBER 2020

1

DISCLAIMER

This document contains certain forward-looking statements concerning SOCIETE BIC. Such forward-looking statements represent trends or objectives and cannot be construed as constituting forecasts regarding the future SOCIETE BIC's results or any other performance indicator. Forward-looking statements in this document include, but are not limited to, financial projections and estimates and their underlying assumptions.

Although BIC believes its expectations are based on reasonable assumptions, investors are cautioned that these forward-looking statements are subject to numerous various risks, whether known or unknown, and uncertainties and other factors, including currency fluctuations, the ongoing global impact of the COVID-19 pandemic and the duration and severity of this pandemic on BIC's business and operations, all of which may be beyond BIC's control and could cause actual results to differ materially from those anticipated in these forward-looking statements. A description of the risks borne by BIC appears in the section, "Risks" in BIC's 2019 Universal Registration Document filed with the French financial markets authority (AMF) on March 31, 2020. Any information relating to past performance contained herein is not a guarantee of future performance. Nothing herein should be construed as an investment recommendation.

2

CONSUMER-CENTRIC

AND OPEN INNOVATION

THOMAS BRETTE

Group Insights & Innovation Officer

3

AGENDA

01

02

INNOVATIVE AND	03	OPEN AND EFFICIENT
CONSUMER-LED	INNOVATION

CONSUMER-CENTRIC

INNOVATION

4