NATIXIS_REGISTRATION_DOCUMENT_2017

PRESENTATION OF NATIXIS Natixis’ businesses

CEGC ranks second in the French market for mortgage guarantees for individuals and guaranteed over €39 billion in loans in 2017 on a market supportedby persistentlylow interest rates. It is a leading player in the property administration, third-party management of retail and office space, and residential sector market, issuingsome 6,600 guaranteesin 2017 with a volumeof over €7 billion. In 2017, it guaranteed the completion of nearly 21,000 individualhomes in France. CEGC is also present on the business market thanks to its digital offering in market sureties management solutions, with more than 92,000 guarantees issued in 2017, up 16%.

Equipmentleasing in mainlandFrance,overseasterritories,Spain and Italy recorded a 15% increase with €2.5 billion in new leases. Front Lease, an equipment-leasingsales tool integrated into advisor workstations,contributedto this significantincrease in the numberof new leases. With over €475 million in leases arranged, Energeco remained strong in renewable energy financing, performing well in the Caissed’Epargnenetworkin particular. Natixis Lease continued to roll out its offer in the Banque Populaire and Caisse d’Epargne banks, recording more than 9,000 new orders in long-term vehicle leasing and posting growthof 17%comparedto 2016. Consumer finance 1.5.4.4 Natixis Financement develops revolving credit products and manages personal repayment loans for Groupe BPCE banking networks. It providesthe full rangeof consumerfinanceexpertisefor 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 financingbackdropduringthe year,NatixisFinancementmaintained solidcommercialmomentum,particularly in repayment loans. New loans totaled €11.3 billion (of which nearly €1.1 billion for revolving credit and more than €10.2 billion for personal repaymentloans). At December 31,2017, outstandingloans stood at €22.7 billion, up 10%year-on-year,consolidatingthe Company’sNo. 3 spot on the Frenchmarket (source:internalNatixisFinancementsurvey) . 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 BPCEnetworks.

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CEGC’S REGULATORY GUARANTEES ■ (in millions ofeuros)

1,848

1,598

1,429

1,214

1,094

2017

2013 2014

2015

2016

Leasing 1.5.4.3 Natixis Lease is a subsidiary of Natixis and develops and distributesone of the widestrangesof integratedsolutionson the market in terms of equipmentand real estate leasing, long-term vehicle leasing, renewable energy financing and IT operational leasing. It also arranges and syndicates customer loans. Natixis Lease is a key player in the French leasing market. It supports companies and other professionals in all of their equipment and real estate leasing investment projects, and includes social economy and institutional players among its customers. Natixis Lease’s specialization in financing companies and professionals as well as its in-depth knowledge of professional real estate, give it a better understanding of customer expectations in the Banque Populaire, Caisse d’Epargne and Natixisnetworks. New leaseswere up by 4% to €3.5 billion.In 2017 Natixis Lease saw the addition of BatiLease and InterCoop, two leasing companiespart of Crédit Coopératif,to strengthenits commercial footprintin the Hauts-de-Franceregion and jump-startthe leasing business in Belgium. Combined, they represent over 133,000 contracts and outstandings of €12.9 billion.

CHANGE IN OUTSTANDING MANAGED LOANS ■ (in billionsof euros)

22.7

20.7

18.7

16.8

15.4

2017

2013

2014

2015 2016

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Natixis Registration Document 2017