NATIXIS -2020 Universal Registration Document

BUSINESS MODEL

Natixis: a diversified financial player aiming for a sustainable impact

Challenges

Our four business lines

Our assets

Energy transition and climate change

Teams that are committed… More than 16,000women andmen fromvarious horizons. … and agile 98% of employees worked remotely during the lockdown period.

Asset & wealth management VALUE PROPOSAL: Combination of a

multi-boutique alpha generating model with an industrial managemen t platform serving major institutional investors.

A distinctive corporate culture, the Purple Way Three values that express our identity: sustainable impact, entrepreneurial spirit, collective intelligence.

Corporate & Investment banking VALUE PROPOSAL: Development of solutions based on solid industry expertise around our clients and supporting their transition.

Digitalization of processes New uses

Strong expertise focused on innovation and sustainable finance.

An international presence in 36 countries.

INSURANCE VALUE PROPOSAL:

3,900 customers entreprises, ibanks and sovereigns who trust us. A majority shareholder that is stable and committed to the long term: BPCE.

Comprehensive life and non-life insurance offer f or cust omers of Gr oupe BPCE network s.

Increased regulatory pressure

Payments VALUE PROPOSAL: Control of flows across the whole payment chain o f value promoting the integration o f F intechs.

A solid financial structure with a CET1 of 11.6%.

Over 8,000 suppliers in all our regions.

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2020