Factor out worries, factor in growth NATIXIS FACTOR WHOLESALE BANKING / INVESTMENT SOLUTIONS & INSURANCE / SPECIALIZED FINANCIAL SERVICES

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1 NATIXIS FACTOR 2014 Factor out worries, factor in growth NATIXIS FACTOR THIRTY YEARS WHOLESALE BANKING / INVESTMENT SOLUTIONS & INSURANCE / SPECIALIZED FINANCIAL SERVICES

2 Our business: finance, manage and secure trade receivables For 30 years, Natixis Factor has developed a recognized expertise in the financing and trade receivables management. Factoring & Financing Credit Insurance Business Information & Receivables Collection Immediate financing of your invoices Guarantee against the risk of unpaid invoices Monitor the portfolio of your trade partners and collect your receivables Natixis provides short-term financing solutions for all businesses, through all stages of their development. 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: More than just funding! ADMINISTRATIVE MANAGEMENT OF ACCOUNTS REMINDERS COLLECTION & ENCASHMENT GUARANTEE AGAINST UNPAID RECEIVABLES

3 Key Figures At December 31, 2013 No. 1for new contracts Financial indicators 29.8 billion of factored receivables Market indicators No. 4 leading factor in France Client indicators 2,300 new contracts Turnover % market share (national and international) More than 7,400 factoring contracts The international market represents 24% of Natixis Factor s global turnover 91.6% Client satisfaction* More than 9 million More than invoices processed every year 300,000 disbursements every year 1.3 million payments processed 533 employees *Source: Audirep 85% of our employees are proud to be working for Natixis Factor

4 Factoring: alternative solutions to boost short-term financing Optimizing and securing cash flows are major strategic issues. Factoring is a solution adopted by an increasing number of companies to finance their receivables. ////// Factoring is the 2 nd source of short-term financing for companies 7% Dailly 5% Discount 32% Factoring 56% Overdraft ////// Close to 40,000 companies have used factoring. The number has tripled in 15 years (Source: ASF 2013) ////// Main client expectations from factor (Source: barometer 2013) 1 Fast financing 2 Online account monitoring and operations 3 Dedicated contact 4 Security 5 Quality-price ratio

5 At the service of 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, other Groupe BPCE networks and brokers under the brand Natixis Factor. A strong corporate brand Three commercial brands At the service of Groupe BPCE Factor out worriers, factor in growth BUSINESSES TRUST OUR FACTORING EXPERTS TO MANAGE THEIR CLIENT RECEIVABLE. At Natixis Factor finance, we have been financing, managing and securing our clients receivable for close to 30 years. In doing so, we help companies of all sizes to expand both in France and internationally. WHOLESALE BANKING / INVESTMENT SOLUTIONS / SPECIALIZED FINANCIAL SERVICES From artisan to large corporations, Natixis Factor offers flexible and scalable solutions and develops enduring relations with its clients.

6 How does factoring work? 6 Your client pays the invoice YOUR CLIENT Your client places an order 1 2 You fill the order and send the invoice with a subrogation notice YOUR COMPANY BANK You transfer the invoice to us 3 4 We finance your invoice via bank transfer We collect your unpaid invoices 5

7 The 6 advantages of factoring 1 Improve your cash flow with this additional cash source Financing of your receivables in 24 hours via EDI or in 48 hours via post 3 Enhance your client relationships Risk reduction of disputes or litigation management 5 Access new markets and develop your overseas markets Export receivables financing in foreign currencies and a multilingual team of experts 2 Secure your cash flow and remain independent financially Protection against unpaid invoices and bankruptcies 4 By having your receivables outsourced, you have more time to concentrate on new business Reminders and collection managed by a specialist, operation follow-up, online operations 6 Develop an aggressive purchasing policy vis-à-vis your suppliers Cash payment for a cash discount

8 Support companies through all stages of their development From the moment a company is set up until its eventual transfer, Natixis Factor supports companies through their development in France and worldwide. Support the company from the beginning CREATION TRANSFER Secure the trade receivables in order to better valorize the company DEVELOPMENT Support the company s development in France and worldwide From managing export trade receivables Mastering local laws and regulations, language skills, information and guarantees on foreign clients Natixis immediately factors your export invoices with no upper limit. to the multi-domestic offer Multi-domestic factoring contracts give exporting companies and their European subsidiaries a financing solution for their international transactions. An extra edge in developing your international business with peace of mind.

9 Offer scalable and solid financing solutions Syndication Assignment of invoices Transfer of general ledger Supply chain finance Domestic, export Multi-domestic FACTORING A full range to serve all companies from the smallest to the largest Disclosed Undisclosed With outsourcing of receivables Without outsourcing of receivables With credit insurance Without credit insurance Off-balance sheet treatment of receivables

10 Key dates: 30 years of factoring expertise Launch of the factoring business at Groupe Banque Populaire 2007 Absorption 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 2009 With the creation of BPCE, the main shareholder of Natixis, GCE Solutions Clients became Caisse d Epargne FACTUREA 2012 Securitization of trade receivables, rated AAA by two rating agencies 2011 Deployment of the Natixis Factor: 100% client project Natixis With more than 15,000 employees in 36 countries (1), Natixis is the corporate, investment and financial services arm of Groupe BPCE, France s second-largest banking player (2). At Natixis, we advise and support our clients and their projects worldwide. We provide customized solutions to meet the specific needs of companies, financial institutions and institutional investors. We also design products and services tailored to the client base of Groupe BPCE s two retail networks. To do so, we draw on the complementary areas of expertise of our core businesses: Wholesale Banking, Investment Solutions, Insurance and Specialized Financial Services. We take into account social and environmental issues in our daily actions. We endeavor to reduce our direct impact on the environment, to be part of social progress and to outreach to civil society. (1) Excluding financial investments (2) Second-largest by the number of branches (Source: database, 2013 banks websites), in terms of market share in client savings and loans (Source: Banque de France Q3-2013), and in terms of penetration rate for professionals and individual entrepreneurs (Source: Pépites CSA survey)

11 Natixis Factor in the digital age Corporate site 2.0 Dedicated website: Everything about factoring Paperless communication Smartphone application First factoring application on the market

12 / /2014 Rawpixel / Shutterstock.com AFF , avenue Winston Churchill Charenton-le-Pont Cedex France Tel.: Follow us on See us on our YouTube channel! Natixis Factor applications available on App Store and Google play!