NATIXIS - Universal registration document and financial report 2019

1 PRESENTATION OF NATIXIS Natixis’ businesses

Employee Savings Schemes

1.2.1.3

designed to deliver an increasingly simple, seamless, and personalized employee savings experience. In 2019, Natixis Interépargne consolidated its position as a benchmark in employee and retirement savings, with 77,000 client companies, nearly 3 million savers, and a market share of 27.1% in employee savings and 28.9%, in PERCO collective pension plans (1) . With a market share of 24.6% in SRI (socially responsible investment), Natixis Interépargne has confirmed its leadership in this sector of employee savings. The range of employee and retirement plans for SMEs and self-employed professionals has expanded with the enactment of the new PACTE Act for business growth and transformation, and 20,000 new contract subscriptions. Organized by client type (banks and the international public sector, insurers, financial sponsors, asset managers and corporates), the Coverage function has a strong regional presence in France and is supported internationally by all Natixis’ teams across 38 countries. This structure encourages responsiveness, close, personalized working relationships and in-depth strategic dialogue with clients over the long term. In 2019, Corporate & Investment Banking continued to implement the objectives of the New Dimension strategic plan (2018-2020), targets aimed at achieving the following goals: to be recognized as a bank that offers innovative solutions and to become a benchmark bank in four strategic sectors (energy and natural resources, aerospace, infrastructure, real estate and hospitality). Natixis also furthered the development of its green finance expertise, for example implementing its Green Weighting Factor, a tool not only for innovative oversight of capital allocation based on the environmental performance of its financing solutions, but also for helping clients achieve their own personal ecological transition. With the Green Weighting Factor, Natixis has also become the first bank to actively steer the impact of its balance sheet on the climate. All “green” loans receive a discount of up to 50% in their weighted assets, while the weighting of loans with a negative impact on the climate and the environment is increased by up to 24%. By adjusting the expected return on each loan depending on its impact on the environment and the climate, Natixis encourages its teams to favor green financing solutions (for an equivalent level of credit risk). This is a concrete way of contributing to the United Nations Sustainable Development Goals regarding climate change and the environment. The Green & Sustainable Hub (GSH) continued to drive Corporate & Investment Banking’s efforts to promote green and sustainable finance, securing a position as a valued partner for corporate clients, the public sector and investors in navigating the key issues of the ecological and social transitions of tomorrow. As part of its resolute specialist positioning, GSH's center of expertise is responsible for keeping an active watch over market and regulatory developments, and for focusing the GSH’s efforts in the areas of product or methodology investigation and innovation. Publications were issued on three key subjects in 2019: the decryption and critical analysis of the European package on the regulation of sustainable finance, the blue economy, and the vast issue of transitioning to a low-carbon economy, with a special focus on the transition of currently very high-carbon industrial models.

Natixis Interépargne, a leader in employee savings Natixis Interépargne, a Natixis subsidiary, helps companies of all sizes set up and manage their employee and retirement savings plans. As part of France’s number two banking group, Groupe BPCE, it enefits from an extensive local presence via the Banque Populaire and Caisse d’Epargne networks, and uses the financial management solutions provided by Natixis Investment Managers — a specialist in active investment management for employee savings. For more than 50 years, Natixis Interépargne has been offering companies and savers innovative digital services and solutions Corporate & Investment Banking 1.2.2 At December 31, 2019, Corporate & Investment Banking (CIB) comprised 3,646 employees (FTEs) in 27 countries around the world: 38.3% of which in France, and 61.7% internationally. Corporate & Investment Banking serves corporate clients, financial institutions, institutional investors, financial sponsors, public sector entities and the Groupe BPCE networks. It advises them and develops innovative tailor-made solutions to support their strategy by drawing on the full range of its expertise in investment banking and mergers & acquisitions on capital markets, and in financing and transaction banking. Its objective is to develop a strategic dialogue with each of its clients over the long term by building a close working relationship with them through a strong regional and international presence. Corporate & Investment Banking's areas of expertise are: Capital Markets: a wide range of diversified, standard and bespoke V products and solutions on the fixed income, credit, forex, commodities and equities markets; Financing: origination, arrangement and syndication of structured V financing, as well as portfolio management for all vanilla and structured financing under an originate-to-distribute (O2D) model; Trade & Treasury Solutions: treasury solutions and trade finance V solutions; Investment Banking: acquisition & strategic finance, financing on V the primary markets for bonds and equities, financial engineering applied to holdings, and financial structure and rating advisory services; Mergers & Acquisitions: preparation and execution of disposals V and mergers, fund-raising, restructuring and capital protection. These areas of expertise are adapted locally across the three international platforms : Americas : Argentina, Brazil, Canada, Chile, Colombia, Mexico, Peru V and the United States; Asia-Pacific : Australia, China, Hong Kong, India, Indonesia, Japan, V Malaysia, Singapore, South Korea, Taiwan and Thailand; EMEA (Europe, the Middle East and Africa): France, Germany, Italy, V Russia, Spain, Switzerland, Turkey, the United Arab Emirates, and the United Kingdom. Corporate & Investment Banking has a cross-business team dedicated to Natixis’ client coverage. The Coverage team sees clients through every stage of their development, drawing on all areas of Natixis’ expertise to anticipate their needs and offer them targeted advice for their projects.

Source: French Asset Management Association (AFG), June 30, 2019. (1)

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2019

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