NATIXIS_REGISTRATION_DOCUMENT_2017

1 PRESENTATION OF NATIXIS Natixis’ businesses

Film industry financing 1.5.4.5 Operating through the Natixis Coficiné subsidiary and holding market-leadingpositions in France and Europe, Natixis finances the full range of audiovisualprofessionsand culturalindustries. After initially targeting a French client base, Natixis Coficiné is now expanding its activities in several countries in the European Union (Germany, Belgium, Spain, Italy, Luxembourg, the UK and Nordiccountries),the UnitedStatesand Canada. At the end of 2017, new financing totaled €580 million,up 3% compared to 2016. In descending order, the loans mainly went towards financing cinematographicworks, television programs and movie theaters,with marked developmentin the audiovisual arena in 2017. Natixis Coficiné managed a total of nearly €685 millionin new loans in 2017. Employee savings schemes 1.5.4.6 In 2017, Natixis Interépargneconsolidatedits leading position in employee savings account administration in France, with over 2.8 millionemployeeaccounts under management,i.e. a market share of 27.6% (source:AFG at June 30,2017) . The collective pension plan (Perco) has consistently posted robust growth since inception, particularly in the corporate and institutional client segments. The number of Perco accounts increased by 10% year-on-year, with a 29.7% market share of accountsundermanagement (source:AFG at June 30,2017) . The employee savings offer tailored to SMEs and professionals, distributed by the Banque Populaire and Caisse d’Epargne networks, delivered another strong performance with over 15,000 newcontracts.To further optimize the client experience, Natixis Interépargne has based its innovation approach on feedback from companies and Perco clients and on the co-creation of new services. As part of its firm commitmentto the digital transformationof its processes and offerings, Natixis Interépargne offers Perco clients a comprehensive range of digital services and online tools (virtual advisor, simulationtools, smartphoneand tablet applicationsenablingmobile transactions, etc.).

Payments 1.5.4.7 Since early 2017, Natixis Payment Solutions combines all payment solutions and activities — prepaid, local, online and mobile — executed on behalf of the Groupe BPCE banking networks, the direct customers of French banking institutions, new payment service providers and large European corporate clients. In addition to card and SEPA payment solutions, the business now includes service vouchers (Chèque de Table/Apetiz, Cesu Domalin, Cado Chèque/ Cado Carte), Le Pot Commun (online money pot), E-Cotiz (online fee management platform for non-profits), Depopass (secure peer-to-peer payments). The S-money third-party money collection solutions and the acquisition of PayPlug and Dalenys completed the range of omnichannelretail solutionsin Franceand Europe. Natixis PaymentSolutionsis a key paymentsplayer in France. In 2017, it managed 21 million cards and boasted 7.1 billion in trading flows, a 10% increase in card transactions, a 64% increase in PayPlug and Dalenys business volumes from retailers,and a 12% increasein restaurantvouchersissued. Natixis Payment Solutions is pursuing an active policy of launching products that meet new customer uses, whether in e-services for retailers or by developing mobile payment and paperlessprepaidsolutions. In 2018 Natixis Payment Solutions will pursue the digital transformationof all its businessesand grow its customer base with the aim to becomea pure player in Europeby 2020. Securities 1.5.4.8 Natixis’ EuroTitres Department provides custody services for retail and PrivateBankingand is the leader in custodyservicesto retail outsourcing. Natixis manages close to 3.3 million securities accounts for a diversified client base comprising Groupe BPCE’s banking networks, other banking institutions with or without retail networks, financial companies and Private Banking asset managementfirms. Its serviceofferingis modularand customizable:secureprovision of information systems, all-inclusive back-office services (order routing, transaction accounting, client reporting, securities custody, etc.), dedicated middle-office services, network assistanceservicesand end customers. Natixis also offers an online exchange solution, the online client range (OIC). This was developedas a white label for integration into each banking institution’s environment, with the addition since 2014 of a mobile solution that clients can use to manage their securities accounts using any device: a computer, mobile phoneor tablet.

CHANGE IN THE NUMBER OF COLLECTIVE PENSION PLAN ■ (PERCO) ACCOUNTS

745,723

678,516

624,547

566,163

468,888

2017

2013

2014

2015

2016

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Natixis Registration Document 2017