NATIXIS_REGISTRATION_DOCUMENT_2017

5 FINANCIAL DATA

Consolidated financial statements and notes

SEPARATE ASSETS R

12.31.2017

12.31.2016

Post-employment defined-benefit plans

Post-employment defined-benefit plans

Supplementary pension benefits and other

Supplementary pension benefits and other

End-of-career awards

End-of-career awards

Total

Total

(in millions of euros)

Total revaluation adjustments at start of period o/w effect of ceiling on assets Revaluation adjustments over the period o/w effect of ceiling on plan assets Total revaluation adjustments at end of period o/w effect of ceiling on assets

44

1

45

2

0

2

7

1

8

42

1

43

51

2

54

44

1

45

the net interest cost reflecting the impact of unwinding the a discounton the net obligation. Obligations in respect of other long-termemployee benefits are accountedfor using the same actuarial valuationmethod as that used for post-employmentdefined-benefitobligations,except for revaluationadjustments,whichare taken directlyto profit or loss.

f) Analysis of expenses for the period The annual payroll costs recognizedin respect of defined-benefit plans consistof: the costs of services rendered, representingrights vested by a beneficiariesover the period; past service costs, arising from possible plan changes or a curtailments as well as the effects of possible plan settlements;

12.31.2017

12.31.2016

Post-employment defined-benefit plans

Other long-term employee benefits

Supplementary pension benefits and other

End-of-career awards

Long-service awards

Other

 Total

Total

(in millions of euros)

Service cost

9

13 10

5 1 0 0

45

72

64

Past service cost

(42)

0 0 0 1

(30)

(23)

Interest cost

16

2

19

22

Interest income

(12)

(0)

(13)

(15)

Other

(3)

0

(0)

(2)

1

TOTAL EXPENSE FOR THE YEAR (A) 50 Of which €41 million in income recognized as income at December 31, 2017 for plan cuts in response to the new collective agreement on (a) complementary health insurance for employees, as well as a -€7 million expense in additional commitment for end-of-career awards. g) Main actuarial assumptions at December 31, 2017 The amount of the provision for post-employment defined-benefit plans is calculated on an actuarial basis using a number of demographicand financialassumptions. (33) 26 7 46 46

12.31.2017

12.31.2016

France

Europe United States

France

Europe United States

Discount rate Inflation rate

0.98% 1.70% 2.27% 4.18%

2.25% 2.53% 2.55% 1.60%

3.53% 3.00% 4.00% 5.00%

0.97% 1.60% 2.42% 4.10%

2.43% 2.60% 2.39% 4.40%

4.06% 3.00% 4.00% 5.00%

Rate of increase in salaries

Rate of increase in healthcare costs

Duration (in years)

13

18

18

15

19

14

310

Natixis Registration Document 2017

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