NATIXIS - 2018 Registration document and annual financial report

1 PRESENTATION OF NATIXIS Natixis and its shareholders

Club members receive the monthly newsletter, the half-yearly shareholder newsletter and the shareholder guide, which is updated and updated with new sections every year. The Shareholders’ Club website (clubdesactionnaires.natixis.com) contains comprehensive information about the Club and its services. The program of activities for 2018 included three Natixis events and four themed events: an information meeting about Natixis in Nantes in partnership a with the Federation of Individual Investors and Investment Clubs (F2iC); two live online video chat sessions where individual investors a could ask Natixis’ Director of Investor Relations questions about the Bank, its business lines, its financial results and its strategy; four themed presentations, in the form of web conferences a and video chats, which gave our shareholders the opportunity to talk to the Chief economists from Natixis Global Market Research and Ostrum Asset Management Economic Research and to a representative from the École de la Bourse. Recordings of these chats and web conferences were posted on our website and sent to our Shareholders’ Club members through our Newsletters. In partnership with the École de la Bourse, three training modules on the new features of the 2018 Finance Act, the taxation of dividends and the taxation of capital gains were held for members of the Shareholder Club in 2018. At the General Shareholders’ Meeting, there is a dedicated Shareholder Club stand where Club members or any shareholders can find information about Natixis or the Shareholder Club. As part of the bank’s Sponsorship and Patronage Program, members of the Shareholder Club were invited to attend sporting and cultural events throughout the year, with nearly 500 tickets awarded for rugby matches in nine French cities. They also had the opportunity to visit the backstage of the Garnier Opera House and attend a concert by the Paris Orchestra at the Paris Philharmonic Hall. The CCAN is an advisory body and sounding Board composed a of 12 members who represent Natixis’ individual shareholders. These members are themselves individual shareholders chosen through an application process that includes interviews. The Committee is in charge of all aspects of financial communication to individual investors, and in particular the communication tools at their disposal. In 2018, following the changes in Natixis’ executive officers a on June 1, 2018, namely the appointment of François Riahi as Chief Executive Officer to replace Laurent Mignon who became Chairman of the Board of Directors, the CCAN met the Natixis Board Secretary, Aline Braillard, who gave an overview of governance at Natixis. She described the organization and duties of the Corporate Governance Department. She noted that the Board of Directors has five special Committees, all chaired by an independent director. Discussion with Committee members discussed the Natixis Shareholders’ Consultative Committee (CCAN)

Afep-Medef Corporate Governance Code, which Natixis refers to, and the participation of employees or foreign directors on the Board. The Committee then divided into groups to work on replacing a the 2011 glossary of key financial terms. This workshop was a response to requests made by Consultative Committee members during the self-assessment of the work carried out in 2017. Finally, Luc Bernaud, Natixis’ Chief Digital & Technology a Officer gave a presentation on Natixis’ ambitions and achievements in digital technology. He said that the task of the Digital Office team was to lead and facilitate the digital transformation of Natixis’ various business lines as part of the New Dimension strategic plan. He noted that this transformation offers new opportunities for Natixis and is occurring in a changing environment, with the emergence of fintechs, new regulations, changing customer expectations and the arrival of breakthrough technologies. All the topics discussed, reports of meetings and members’ a video presentations are available on the website. Call for applications Throughout the year, interested shareholders are invited to put forward their application. Conditions of application are available on the website. Natixis undertakes to respond to all applicants. 2018 General Shareholders’ Meeting Nearly 400 shareholders attended in person and nearly 7,000 shareholders voted prior to the meeting via the Votaccess platform. At the start of the meeting, the Chairman noted that the meeting’s proceedings had been drawn up from the issues arising from the preliminary survey open to shareholders in April. Laurent Mignon gave a presentation on the accomplishments of the New Frontier strategic plan, which was completed in late 2017. His discussion focused on the strategic ambitions of the New Dimension plan for 2018-2020 which is intended to sustain the success achieved by the New Frontier plan through differentiation from other banks through its expertise that will generate long-term added value. Mr Mignon concluded his presentation with a statement on Environmental and Social Responsibility, one of the pillars of the New Dimension plan. Natixis’ strategy is to manage the environmental and social risks arising from its activities and to support its clients in their long-term transition to a sustainable model. After a review of the insurance market, Jean-François Lequoy, the member of Natixis’ Senior Management Committee in charge of insurance activities, explained the bank’s strategic objectives in this business line in more detail. These goals reflect an environment of digital and technological transformation, very low interest rates and changes in regulations that impact insurance companies in many different areas.

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Natixis Registration Document 2018