NATIXIS - Universal registration document and financial report 2019

CONTENT

INTERVIEWWITH THE CHIEF EXECUTIVE OFFICER

2 4 6 8

PROFILE

KEY FIGURES 2019 STRATEGIC PLAN

A GOVERNANCE STRUCTURE SUPPORTING NATIXIS STRATEGY

10 12 14

ESR

COMPENSATION

6

NON-FINANCIAL PERFORMANCE REPORT Strategic outlines and organization 6.1 of the ESR policy Employee conduct and business ethics 6.2

435

PRESENTATION OF NATIXIS 1

15

History and links with BPCE 1.1

16 18 31 31

436 445

Natixis’ businesses 1.2

2020 investor relations calendar 1.3

Business line contributions 6.3

Contacts 1.4

to green and sustainable growth

448

CORPORATE GOVERNANCE 2

Managing environmental, 6.4 social and governance risks

33

467 474 481

Natixis Governance at March 1, 2020 2.1 Additional information on the corporate 2.2 officers Management and oversight of corporate 2.3 governance Policies and rules established for determining 2.4 compensation and benefits of any kind for corporate officers

34

Managing our direct environmental impact 6.5

Employee engagement 6.6

35

Table of reporting on Natixis’ main 6.7 commitments Reporting frameworks and methodology 6.8 496 Report by one of the Statutory Auditors on the 6.9 Consolidated Non-Financial Performance Report contained in the management report 499 CAPITAL AND SHARE OWNERSHIP 7 501 General information on Natixis’ capital 7.1 502 Distribution of share capital and voting rights 7.2 504 Authorizations to increase share capital 7.3 506 Information from Article L.225-37-5 of the 7.4 French Commercial Code 508 Key share data at December 31, 2019 7.5 508 Share price information 7.6 509 Shareholder scorecard 7.7 510 Natixis and its individual shareholders 7.8 510 Investor relations 7.9 512 GENERAL SHAREHOLDERS’ MEETINGS 8 513 Terms and conditions of attendance by 8.1 shareholders at Shareholders’ Meetings 514 Combined General Shareholders’ Meeting 8.2 of May 20, 2020 516 LEGAL AND GENERAL INFORMATION 9 535 Legal notices and practical information 9.1 relating to Natixis 536 Natixis bylaws 9.2 537 Statement of responsibility for the universal 9.3 registration document 542 Documents available to the public 9.4 543 Cross-reference table of the universal 9.5 registration document 544 Cross reference table for the annual financial 9.6 report and the management report 547 Glossary 9.7 548 495

57

77

3

RISK FACTORS, RISK MANAGEMENT AND PILLAR III

99

Risk factors 3.1

101 108 157 211 212 216 225 226 226 228

Risk management 3.2

Basel 3 Pillar III disclosures 3.3

OVERVIEW OF THE FISCAL YEAR 4

Significant events of 2019 4.1

Management report at December 31, 2019 4.2 Main investments and divestments 4.3 performed over the period

Post-closing events 4.4

Information concerning Natixis S.A. 4.5

Outlook for Natixis 4.6

Definitions and alternative performance 4.7 indicators

229

FINANCIAL DATA 5

231 Consolidated financial statements and notes 5.1 233 Statutory Auditors’ report 5.2 on the consolidated financial statements 384 Parent company financial statements 5.3 and notes 392 Statutory Auditors’ report on the parent 5.4 company financial statements 426 Internal control procedures relating 5.5 to accounting and financial information 431

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2019

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