NATIXIS FACTOR AT A GLANCE Factor out worries, factor in growth WHOLESALE BANKING / INVESTMENT SOLUTIONS / SPECIALIZED FINANCIAL SERVICES

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1 NATIXIS FACTOR AT A GLANCE 2013 Factor out worries, factor in growth WHOLESALE BANKING / INVESTMENT SOLUTIONS / SPECIALIZED FINANCIAL SERVICES

2 Our business: For almost 30 years, Natixis Factor has been developing a strong expertise in the financing and management of trade receivables. It provides short-term financing solutions for all businesses, through all stages of their development. Natixis Factor offers its clients flexible and effective solutions to: Factoring & Financing finance, manage and secure receivables provide access to immediate financing of their invoices, simplify their operations and optimize the management of the operating cycle; Credit Insurance Business Information & Receivables Collection guarantee against the risk of unpaid invoices; monitor the portfolio of trade partners (prospects, clients, suppliers) and collect their receivables. No.4 for factoring in France, Natixis Factor caters to clients of Groupe BPCE banks (Banque Populaire, Caisse d Epargne and Natixis) and brokers. Factoring, alternative solution to boost short-term financing At a time when optimizing and securing short-term financing represents a highly strategic challenge, factoring is a generally recognized solution to finance and secure trade receivables. Factoring is the No.2 short-term financing source for companies in France x 2: the number of companies using factoring services has doubled in 10 years 7 out of 10 companies do not pay their bills on time 49% of all companies have difficulties financing their receivables (Charpin report, 2013) 25% of all company bankruptcies are due to the default of one or more clients

3 Key figures At December 31, 2012 Market position No.4 leading factor in France with 15.3 % market share (domestic and worldwide) No.3 leading factor on the French market x 2 Natixis Factor grows twice as fast as the market average Client indicators + 2,000 new contracts in ,000 factoring contracts 93 % client satisfaction (Source: Independent Convers Institute 2012) Financial indicators 28.5bn of factored receivables 8.4 million receivables purchased 1.4 million payments received Staff 543 employees

4 Support companies through all stages of their development From creation to an eventual transfer, Natixis Factor supports companies in their local and international development. Creation Support the company s launch Factoring and financing Credit insurance Solutions needed over the lifespan of the company Transfer Secure the receivables to add value to the company Business information and receivables collection Development Support the company s development in France and abroad Quality recognized by customers The annual satisfaction survey, conducted each year by an independent institution with a representative panel of clients, confirm the high-quality service offered by Natixis Factor. The customer satisfaction rate in 2012 was 93.1% and the recommendation rate was 91%.

5 Offer scalable and durable financing solutions From sole proprietor to large corporations, Natixis Factor offers flexible and scalable solutions and develops enduring relations with its clients. Reverse factoring Assignment of invoices or transfer of general ledger Disclosed or Undisclosed Syndication FACTORING A full range of solutions to serve companies, from the smallest to the largest With or without credit insurance Off-balance sheet treatment of receivables With or without outsourcing of trade receivables Domestic, export or multi-domestic Natixis Factor designs flexible solutions that fit right into companies organizational set-ups and can be adapted to their IT systems. Personalized assistance is offered by dedicated contact persons who set up and monitor the chosen financing solution.

6 Serving the Groupe BPCE networks Natixis Factor caters to clients of Groupe BPCE retail banks (Banque Populaire and Caisse d Epargne). Groupe BPCE is France s second-largest banking player with the brands Banque Populaire Factorem and Caisse d Epargne FACTUREA. It also caters to clients of Natixis and brokers under the brand Natixis Factor. A strong corporate brand Three commercial brands Serving the Groupe BPCE Key dates 2012 Securitization of trade receivables, rated AAA by two rating agencies 2011 Deployment of the Natixis Factor: 100% client strategic plan 2009 With the creation of BPCE, the main shareholder of Natixis, GCE Solutions Clients became Caisse d Epargne FACTUREA Merger of GCE Affacturage, subsidiary of Groupe Caisse d Epargne - Creation of the Banque Populaire Factorem commercial brand for Groupe Banque Populaire and of GCE Solutions Clients for Groupe Caisse d Epargne 1984 Launch of the factoring business at Groupe Banque Populaire

7 Natixis Financial expertise at the service of Natixis is the corporate, investment management and financial services arm of Groupe BPCE, France s second-largest banking player via its two networks, Banque Populaire and Caisse d Epargne. With close to 22,000 employees in 68 countries, Natixis advises and supports companies, financial institutions and institutional investors in all markets. It designs customized financial solutions by drawing on the complementary areas of expertise of its three core businesses: Wholesale Banking, Investment Solutions and Specialized Financial Services. Natixis also offers specific solutions for Groupe BPCE s client base of individuals, professionals and small and medium-size businesses. Natixis is listed on the Paris Stock Exchange (NYSE Euronext). Clients A solid financial structure Good 2012 results 9.2 % 1 Core Tier 1 ratio (Basel 3) 1.141bn Net Income bn 3 Pre-tax Income bn 3 Net revenues 1 Figures as at December 31, Impact will depend on the final Basel 3 rules fully loaded except on DTAs 2 Figures as at December 31, 2012 Results excluding non-operating items 3 Figures as at December 31, 2012, excluding GAPC, discontinued operations and restructuring costs and excluding non-operating items

8 500 05/2013 Pavel L Photo and Video / Shutterstock.com AFF , avenue Winston Churchill Charenton-le-Pont Cedex France Tel: Follow us on See us on our YouTube channel! Natixis Profile now available from App Store!

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