NATIXIS - 2018 Registration document and annual financial report

PRESENTATION OF NATIXIS Natixis’ businesses

television programs and movie theaters. Natixis Coficiné managed a total of €925 million in loans at end-2018. More than half of 2018 César-nominated films and nearly one-third of nominated and award-winning films at major European festivals were financed by Natixis Coficiné and its Film Industry Financing companies (SOFICA) in 2018.

Consumer finance Natixis Financement develops revolving credit products and manages personal repayment loans for Groupe BPCE banking networks. It provides the full range of consumer finance expertise for Groupe BPCE banks: design and marketing, network coordination, credit scoring, management and carrying of loans (revolving credit), collections and litigation. Despite a very restricted consumer financing backdrop during the year, Natixis Financement maintained solid commercial momentum, particularly in repayment loans. New loans totaled €12.1 billion (of which nearly €1.2 billion for revolving credit and more than €10.8 billion for personal repayment loans). At December 31, 2018, outstanding loans stood at €24.6 billion, up 8% year-on-year, consolidating the Company’s No. 3 spot on the French market (source: internal Natixis Financement survey) . These solid performances allowed the Caisse d’Epargne and Banque Populaire banks to gain market share, highlighting the effectiveness of the model developed by Natixis Financement with the BPCE networks. In 2018, a program was introduced to “reinvent Revolving Credit”, by offering a new customer experience from the application stage to the management of the loan across all channels. A number of new offers were also launched including a restructuring loan solution to “reprofile” customer debt in accordance with their circumstances and a Lease-to-Own solutions for individuals delivered in partnership with Natixis Lease.

1

Financial services 1.3.4.2 Employee savings schemes

In 2018, Natixis Interépargne consolidated its leading position in employee savings account administration in France, with over 2.9 million employee accounts under management, i.e. a market share of 28% (source: AFG at June 30, 2018) . The PERCO collective pension plan continued to grow, with a further increase of nearly 6% in the number of savers holding assets in a PERCO and assets under management showing firm resistance (+3.2%) despite a fall in the markets in the final quarter. The market share of PERCO accounts under management was 28.6% (source: AFG at June 30, 2018). The employee savings offer tailored to SMEs and professionals, distributed by the Banque Populaire and Caisse d’Epargne networks, delivered another strong performance with 15,480 new contracts. To further optimize the client experience, Natixis Interépargne has based its innovation approach on feedback from companies and PERCO clients and on the co-creation of new services. As part of its firm commitment to the digital transformation of its processes and offerings, Natixis Interépargne offers PERCO clients a comprehensive range of digital services and online tools (virtual advisor, simulation tools, smartphone and tablet applications enabling mobile transactions, etc.). In 2018, it set up a new website for savers that is clearer and easier to navigate and is trialing personalized online savings management advice with a small number of pilot customers.

CHANGE IN OUTSTANDING MANAGED LOANS ■ (in billions of euros)

24.6

22.7

CHANGE IN THE NUMBER OF COLLECTIVE PENSION PLAN ■ (PERCO) ACCOUNTS (in millions of euros)

20.7

18.7

16.8

15.4

791,456

745,723

678,516

624,547

566,163

468,888

2018

2013

2015 2016

2017

2014

Film industry financing Operating through the Natixis Coficiné subsidiary and holding market-leading positions in France and Europe, Natixis finances the full spectrum of audiovisual professions and cultural industries. After initially targeting a French client base, Natixis Coficiné is now expanding its activities in several countries in the European Union (Germany, Belgium, Spain, Italy, Luxembourg, the UK and Nordic countries), the United States and Canada. New financing totaled €520 million in 2018. In descending order, the loans mainly went towards financing cinematographic works,

2018

2013

2014

2015

2016

2017

Securities Natixis’ EuroTitres Department provides custody services for retail and Private Banking and is the leader in custody services to retail outsourcing. Natixis manages over 3.1 million securities accounts for a diversified client base comprising Groupe BPCE’s banking networks, other banking institutions with or without retail networks, financial companies and Private Banking Asset Management firms.

29

Natixis Registration Document 2018