NATIXIS - Universal registration document and financial report 2019

INTERVIEWWITH THE CHIEF EXECUTIVE OFFICER

Our Insurance division continued to ITQY Ţ YKVJ UVGCF[ RTQƒVCDKNKV[ HQT KVU DWUKPGUU NKPGU Ţ CPF DQNUVGTGF KVU RQUKVKQP CU C NGCFKPI KPUWTGT KP (TCPEG D[ FGXGNQRKPI PGY RTQFWEVU HQT VJG $CPSWG 2QRWNCKTG CPF %CKUUG FŦ'RCTIPG DCPMU 1WT 2C[OGPVU DWUKPGUUGU CNUQ RQUVGF UQWPF EQOOGTEKCN RGTHQTOCPEGU FTKXGP KP RCTVKEWNCT D[ KPPQXCVKXG UQNWVKQPU HTQO ƒPVGEJU What progress have you made in implementing the New Dimension strategic plan? 9G JCXG OCFG ENGCT UVTCVGIKE decisions over recent years and have FGOQPUVTCVGF QWT CDKNKV[ VQ CFCRV RGTOCPGPVN[ VQ EJCPIG 0CVKZKU OCFG VJG EJQKEG PQV VQ DG C INQDCN ƒPCPEKCN KPUVKVWVKQP CEVKXG KP CNN DWUKPGUUGU DWV VQ KPUVGCF HQEWU QP GZEGNNKPI KP MG[ UGNGEVGF DWUKPGUU NKPGU 6CMG CU CP GZCORNG QWT #UUGV 9GCNVJ /CPCIGOGPV FKXKUKQP YJGTG YG JCXG FGXGNQRGF QWT CEVKXG CUUGV OCPCIGOGPV CRRTQCEJ CPF YJGTG OQTG TGEGPVN[ YG JCXG NCWPEJGF C RTQLGEV YKVJ .C $CPSWG 2QUVCNG #UUGV /CPCIGOGPV VQ DGEQOG C OCLQT RNC[GT KP KPUWTCPEG CUUGV OCPCIGOGPV KP 'WTQRG CPF KP GWTQ ƒZGF KPEQOG KPXGUVOGPV OCPCIGOGPV +P QWT %QTRQTCVG +PXGUVOGPV $CPMKPI CTO YG TGKPHQTEGF VJG QTKIKPCVG

VQ FKUVTKDWVG OQFGN HQEWUGF QWT GZRGTVKUG QP HQWT MG[ UGEVQTU CPF FGXGNQRGF C YQTNFYKFG PGVYQTM QH / # CHƒNKCVGU +P +PUWTCPEG YG CTG TQNNKPI QWV QWT UVTCVGI[ VQ DGEQOG C HWNN[ HNGFIGF KPUWTGT XKC VJG +0018' RTQLGEV WPFGT YJKEJ YG YKNN OGGV CNN )TQWRG $2%'ŦU NKHG CPF PQP NKHG KPUWTCPEG TGSWKTGOGPVU HTQO +P RC[OGPV UGTXKEGU YG UGV WR C VGCO QH URGEKCNKUVU VJCV WPKVGU QWT JKUVQTKECN GZRGTVKUG YKVJ VGEJPQNQIKECN FGXGNQROGPVU RKQPGGTGF D[ ƒPVGEJU #NUQ KP MGGRKPI YKVJ VJG 0GY &KOGPUKQP RNCP YG UQNF QH %QHCEGŦU UJCTG ECRKVCN VQ #TEJ %CRKVCN )TQWR 9G JCXG CNUQ KPVGITCVGF VJG VTCPUKVKQP VQ C NQY ECTDQP GEQPQO[ CPF RNCEGF KV CV VJG EGPVGT QH QWT UVTCVGI[ 9G UGV WR VJG )TGGP 5WUVCKPCDNG *WD KP QWT %QTRQTCVG +PXGUVOGPV $CPMKPI FKXKUKQP KP VQ RTQXKFG DQVJ KUUWGTU CPF KPXGUVQTU YKVJ ITGGP ƒPCPEG UQNWVKQPU 0CVKZKU YCU CNUQ VJG ƒTUV DCPM KP VJG YQTNF VQ KORNGOGPV VJG )TGGP 9GKIJVKPI (CEVQT CP KPPQXCVKXG OCPCIGOGPV OGEJCPKUO VQ UWRRQTV QWT ENKGPVU KP VJGKT GEQNQIKECN VTCPUKVKQP Our business choices are proving their worth on a daily basis. We are now one of the European financial institutions

What are your medium-term priorities? 9G YKNN EQPVKPWG VQ TGUQNWVGN[ TQNN QWV QWT UVTCVGIKE RNCP YJKEJ YKNN DG QWT TQCFOCR HQT 9G YKNN HQEWU QP FGXGNQRKPI CPF UVTGPIVJGPKPI QWT TCPIG QH GZRGTVKUG YJKNG RWTUWKPI QWT VTCPUHQTOCVKQP VQ VCEMNG VJG XCTKQWU EJCNNGPIGU HCEKPI QWT KPFWUVT[ 1WT DWUKPGUUGU JCXG WPFGTIQPG GZVGPUKXG VTCPUHQTOCVKQP QXGT VJG RCUV HGY [GCTU CPF VJG QXGTCNN GPXKTQPOGPV JCU EJCPIGF CV ITGCV URGGF UQ YG OWUV OCMG QWT DWUKPGUU OQTG TQDWUV YJKNG TGOCKPKPI CIKNG 9G JCXG VJGTGHQTG NCWPEJGF UVTWEVWTCN RTQLGEVU VQ GPJCPEG VJG QRGTCVKPI OQFGN HQT QWT UWRRQTV HWPEVKQPU QRVKOK\G QWT TKUM UWRGTXKUKQP CETQUU CNN NGXGNU QH VJG EQORCP[ CPF UVTGPIVJGP QWT DWUKPGUU GHƒEKGPE[ Do you have a message for your clients? 0CVKZKU KU TGPQYPGF HQT KVU ENQUG ENKGPV TGNCVKQPUJKRU CPF KVU CDKNKV[ VQ GHHGEVKXGN[ CFFTGUU VJGKT PGGFU 1WT MG[ RTKQTKV[ KU VQ MGGR QP DWKNFKPI VJGUG NQPI NCUVKPI TGNCVKQPUJKRU DCUGF QP OWVWCN VTWUV 9G YKNN EQPVKPWG VQ HQEWU CNN QWT CVVGPVKQP CPF TGUQWTEGU QP RTQXKFKPI QWT ENKGPVU YKVJ JKIJ SWCNKV[ UGTXKEGU CPF UQNWVKQPU QP C FCKN[ DCUKU + YQWNF NKMG VQ VJCPM QWT ENKGPVU HQT RNCEKPI VJGKT VTWUV KP WU +P C HCUV EJCPIKPI CPF EQORNGZ YQTNF VJG[ ECP TGN[ QP QWT VGCOU YQTNFYKFG VQ DG QP JCPF VQ JGNR VJGKT DWUKPGUUGU ITQY

least exposed to interest rates as a result of our

asset-light model, and this is a major advantage in the current low interest rate environment.

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2019