NATIXIS - 2018 Registration document and annual financial report

5 OVERARCHING LEVERS TO SUPPORT OUR STRATEGIC AMBITIONS

1. DIGITAL

2. TALENTS

3. CSR

Further our CSR Commitment • Recognize clients and stakeholders with strong sustainable development commitments; pre-empt and manage environmental and social TKUMU KP QWT ƒPCPEKPI QRGTCVKQPU • Use our existing green and social capabilities as a foundation to GPJCPEG QWT UWUVCKPCDNG ƒPCPEG expertise • Extend the use of environmental, social and governance criteria in our asset management investment practices to better take on board responsible investors’ requirements.

Implement a fully client-centric digital strategy • +ORTQXG DWUKPGUU NKPG GHƒEKGPE[ • 6CMG CFXCPVCIG QH FCVC CPF CTVKƒEKCN intelligence to develop tailored client services • Digitalize our solutions and the client experience • Invest in new technologies and innovative business models

Support and encourage the growth and accountability of our talents • Provide a diverse range of career track possibilities and growth opportunities • Grow talents through exposure, ownership and empowerment • Promote performance and innovation and encourage greater diversity within teams. 5. THE WAY WE WORK 0GY UKORNGT OQTG GHƒEKGPV and inclusive ways of working and interacting • More streamlined organization with greater accountability • Collaborative and community- oriented work environment • #IKNG CPF GHƒEKGPV YQTM RTQEGUUGU International culture

4. BRAND

Enhance Natixis’ awareness CPF XKUKDKNKV[ CTQWPF VJG YQTNFǾ • Simplify and unify our brand architecture • Targeted communications efforts across our various business lines and geographies • Complete roll out of our Beyond Banking brand platform

AMBITIOUS FINANCIAL 2020 GOALS*

11 % CET1 Ratio after distribution

+5% per year Net revenues

14 %- 15.5 % ROTE

≈ € 6 bn Free capital

≈3 % per year Operating expenses

2 % per year RWA CAGR

Following Natixis’ plans to sell its Factoring, Sureties and Guarantees, leasing, Consumer Finance and Securities Services business lines to BPCE S.A.

* Post disposal of retail banking activities to BPCE S.A.

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Natixis Registration Document 2018