NATIXIS - Document d'enregistrement universel et rapport financier annuel 2020

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Charges générales d’exploitation Note 30

?H GCFFCIHM >`?OLIM

2019

2020

F 5= G 89 D 9 FGC BB9@ .:E:BK>L >M MK:BM>F>GML A:K@>L LHLf :

X

X

$GMoK>LL>F>GM >M I:KMB

A:K@>L ?BL<:E>L ->?:

+KHOBLBHGL -BLJN>L A:K@>Lf ; IHF 9 G : F 5= G 58A=B= GHF 5 H =: G

X

X

$FIuML >M M:Q>Lf < .>KOB<>L >QMoKB>NKL

f

f

->?:

CH 5 H = C B G 5 I L 5A CFH = GG 9A9B HG 9 H 5 I L 8f DF f7=5 H = C B G GIF =AA C 6=@= G 5 H = C B G 7 CFDCF 9@@9 G X9 H X=B7 CFDCF 9@@9 G

CH 5 H = C B G

-(- %

X

X

IHN =B;LA?M >? L?NL;CN? JIOL hGCFFCIHM >`?OLIM ;O h>p=?G`?OLIM ;O h>p=?G`?OLIM ;O NCNL?h>? F`%, IHN OH? >IN;NCIH JIOL F? IGJN? jJ;LAH? 0?GJM JIOL hGCFFCIHM >`?OLIM ?Hh ?N OH? L?JLCM? >? JLIPCMCIH ;O NCNL? >? F`%, JIOL hGCFFCIHM >`?OLIM < ?Hh IHN =IHNLCM >? .pMIFONCIH 1HCKO? ".1 JIOL hGCFFCIHM >`?OLIM ;O h>p=?Gp=?G

5

Coût du risque Note 31

?H GCFFCIHM >`?OLIM

2019

2020

C j H 8 I F = GEI 9 GIF f@fA9B HG 8 U 7 H =:

, IF 7 F f5B79 G 8 CIH 9 IG 9 G X HM:MBHGL :NQ =oIKoIKBL>L => =oIKo

+>KM>L KM>L

+>KM>L GHG KM>L

-oL :FHKMB>L

, IF H = HF 9 G

HM:MBHGL :NQ =oIKoIKBL>L => =oIKo

+>KM>L KM>L

C j H 8 I F = GEI 9 GIF f@fA9B HG 89 )5 GG =:

, IF F = GEI 9 G D 5M G 9 H G 97 HCF =9@ G X

HM:MBHGL :NQ IKHOBLBHGL ->IKBL>L => IKHOBLBHGL , IF F = GEI 9 G 7<5 F ;9 G X HM:MBHGL :NQ IKHOBLBHGL ->IKBL>L => IKHOBLBHGL

-(- %

443

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NATIXIS DOCUMENT D’ENREGISTREMENT UNIVERSEL 2020