N
o
.1
for employee saviNgs (source: AFG, June 2010)
N
o
.1
for film iNdustry fiNaNciNg (source: Natixis survey)
N
o
.1
for guaraNtee iNsuraNce (source: Natixis survey)
N
o
.2
for real-estate leasiNg
(source: ASF, December 2010)
N
o
.2
for retail custody (source: Natixis survey)
N
o
.3
for e-moNey processiNg (source: Groupement des Cartes Bancaires)
N
o
.3
for factoriNg (source: ASF, December 2010)
N
o
.3
for coNsumer credit
(source: ASF, December 2010)
Specialized Financial ServiceS
2010
in
*
At the heart of commercial banking development, Natixis’ Specialized
Financial Services comprises eight business lines: Factoring, Sureties
and Financial Guarantees, Leasing, Consumer Finance, Film Industry
Financing, Employee Savings Scheme, Payments and Securities
Services.
From product design to management of client operations, solutions are underpin-ned by an industrial approach desigunderpin-ned to achieve maximum competitiveness and performance, while providing all client types with high-quality expertise in each business line.
Specialized Financial Services products and services are developed for Groupe BPCE retail banking networks and to generate business for Natixis. They are also designed to meet the requirements of other large banking networks and financial institutions, and enable them to pool the cost of technological investment. With the issues of performance, security, compliance, control and the need for a proactive approach to quality all beco-ming increasingly important, Specialized
Financial Services have been organized to foster operational and commercial effi-ciency in each business line.
All types of client – retail, corporate, insti-tutional investors, asset managers, banks and other financial institutions – will receive efficient and professional service delivered by high-quality, experienced personnel.
NBI breakdown by business line
specialized fiNaNciNg fiNaNcial services
51%
49%
2009 2010 Change
NBI 870 960 10%
Expenses (618) (672) 9%
GOI 252 288 14%
KEy fIGurEs in millions of euros (restated)
employees
3,360
faCtOrING sECurItIEs sErvICEs
surEtIEs aNd fINaNCIal GuaraNtEEs
lEasING PaymENts
CONsumEr fINaNCE
fIlm INdustry
fINaNCING EmPlOyEE savINGs sChEmE
12%
17%
10%
12%
22%
16%
1%
10%
›
* in France5, avenue de la Liberté
94220 Charenton-Le-Pont
Tel. : +33 1 58 32 30 00
www.natixis.com
30 0 – 04/20 11 © Dmitry Yashkin/Shut ter stoc kspecialized financial services
at the heart of retail banking development
March 2011
CorPorATE & INvESTMENT BANkING / INvESTMENT SoLuTIoNS / sPECIalIzEd fINaNCIal sErvICEs
Natixis is the corporate, investment management and financial services arm of Groupe BPCE, the second-largest banking player in France.
With close to 22,000 employees and offices in 68 countries, Natixis has a number of areas of first-rank recogni-zed expertise in three core businesses: Corporate and Investment Banking, Investment Solutions (asset manage-ment, insurance, private banking, pri-vate equity) and Specialized Financial Services.
A global player, Natixis has a long- lasting commitment to its own client base of companies, financial institu-tions and institutional investors as well as the client base of individuals, pro-fessionals and small and medium-size businesses of Groupe BPCE’s two retail banking networks.
Natixis is listed on the Paris stock exchange CAC 40 index.
natixiS
One cOmpany, three cOre buSineSSeS
GrOupe bpce
is the second-largest French banking group, with 36 million clients, 8 million cooperative shareholders and 125,000 employees. Made up of Banque Populaire and Caisse d’Epargne retail banking and of specialized subsidiaries boas-ting expert knowledge in their particular areas of activity, the group carries on all the activities of a commercial banking and insurance specialist and provides solutions in corporate and investment banking and in financial services.tier 1 ratio
*11.4
%
tier 1 capital
*€16.8
billion
Net income (group share)
€1.732
billion
Net banking income
€6.520
billion
+ 10 %
versus
december 31, 2009
Gross operating income
€2.118
billion
+ 25 %
versus
december 31, 2009
Quality long-term
ratings
strong
capital structure
Performances confirmed
in 2010
a+
(stable outlook)
standard & Poor’s
aa3
(stable outlook)
moody’s
a+
(stable outlook)
fitch ratings
Figures as at December 31, 2010
*Early application of the prudential treatment of CCIs (cooperative investment certificates) using a weighting factor.
COrPOratE aNd INvEstmENt BaNKING INvEstmENt sOlutIONs sPECIalIzEd fINaNCIal sErvICEs
a Streamlined
OrGanizatiOn
chart
CaPItal marKEts struCturEd fINaNCE COmmErCIal BaNKING assEt maNaGEmENt INsuraNCE PrIvatE BaNKING PrIvatE EQuIty faCtOrING surEtIEs aNd fINaNCIal GuaraNtEEs lEasING CONsumEr fINaNCE fIlm INdustry fINaNCING EmPlOyEE savINGs sChEmE PaymENts sECurItIEs sErvICEs›
N
o
.1
for employee saviNgs (source: AFG, June 2010)
N
o
.1
for film iNdustry fiNaNciNg (source: Natixis survey)
N
o
.1
for guaraNtee iNsuraNce (source: Natixis survey)
N
o
.2
for real-estate leasiNg
(source: ASF, December 2010)
N
o
.2
for retail custody (source: Natixis survey)
N
o
.3
for e-moNey processiNg (source: Groupement des Cartes Bancaires)
N
o
.3
for factoriNg (source: ASF, December 2010)
N
o
.3
for coNsumer credit
(source: ASF, December 2010)
Specialized Financial ServiceS
2010
in
*
At the heart of commercial banking development, Natixis’ Specialized
Financial Services comprises eight business lines: Factoring, Sureties
and Financial Guarantees, Leasing, Consumer Finance, Film Industry
Financing, Employee Savings Scheme, Payments and Securities
Services.
From product design to management of client operations, solutions are underpin-ned by an industrial approach desigunderpin-ned to achieve maximum competitiveness and performance, while providing all client types with high-quality expertise in each business line.
Specialized Financial Services products and services are developed for Groupe BPCE retail banking networks and to generate business for Natixis. They are also designed to meet the requirements of other large banking networks and financial institutions, and enable them to pool the cost of technological investment. With the issues of performance, security, compliance, control and the need for a proactive approach to quality all beco-ming increasingly important, Specialized
Financial Services have been organized to foster operational and commercial effi-ciency in each business line.
All types of client – retail, corporate, insti-tutional investors, asset managers, banks and other financial institutions – will receive efficient and professional service delivered by high-quality, experienced personnel.
NBI breakdown by business line
specialized fiNaNciNg fiNaNcial services
51%
49%
2009 2010 Change
NBI 870 960 10%
Expenses (618) (672) 9%
GOI 252 288 14%
KEy fIGurEs in millions of euros (restated)
employees
3,360
faCtOrING sECurItIEs sErvICEs
surEtIEs aNd fINaNCIal GuaraNtEEs
lEasING PaymENts
CONsumEr fINaNCE
fIlm INdustry
fINaNCING EmPlOyEE savINGs sChEmE
12%
17%
10%
12%
22%
16%
1%
10%
›
* in France5, avenue de la Liberté
94220 Charenton-Le-Pont
Tel. : +33 1 58 32 30 00
www.natixis.com
30 0 – 04/20 11 © Dmitry Yashkin/Shut ter stoc kspecialized financial services
at the heart of retail banking development
March 2011
CorPorATE & INvESTMENT BANkING / INvESTMENT SoLuTIoNS / sPECIalIzEd fINaNCIal sErvICEs
Natixis is the corporate, investment management and financial services arm of Groupe BPCE, the second-largest banking player in France.
With close to 22,000 employees and offices in 68 countries, Natixis has a number of areas of first-rank recogni-zed expertise in three core businesses: Corporate and Investment Banking, Investment Solutions (asset manage-ment, insurance, private banking, pri-vate equity) and Specialized Financial Services.
A global player, Natixis has a long- lasting commitment to its own client base of companies, financial institu-tions and institutional investors as well as the client base of individuals, pro-fessionals and small and medium-size businesses of Groupe BPCE’s two retail banking networks.
Natixis is listed on the Paris stock exchange CAC 40 index.
natixiS
One cOmpany, three cOre buSineSSeS
GrOupe bpce
is the second-largest French banking group, with 36 million clients, 8 million cooperative shareholders and 125,000 employees. Made up of Banque Populaire and Caisse d’Epargne retail banking and of specialized subsidiaries boas-ting expert knowledge in their particular areas of activity, the group carries on all the activities of a commercial banking and insurance specialist and provides solutions in corporate and investment banking and in financial services.tier 1 ratio
*11.4
%
tier 1 capital
*€16.8
billion
Net income (group share)
€1.732
billion
Net banking income
€6.520
billion
+ 10 %
versus
december 31, 2009
Gross operating income
€2.118
billion
+ 25 %
versus
december 31, 2009
Quality long-term
ratings
strong
capital structure
Performances confirmed
in 2010
a+
(stable outlook)
standard & Poor’s
aa3
(stable outlook)
moody’s
a+
(stable outlook)
fitch ratings
Figures as at December 31, 2010
*Early application of the prudential treatment of CCIs (cooperative investment certificates) using a weighting factor.
COrPOratE aNd INvEstmENt BaNKING INvEstmENt sOlutIONs sPECIalIzEd fINaNCIal sErvICEs
a Streamlined
OrGanizatiOn
chart
CaPItal marKEts struCturEd fINaNCE COmmErCIal BaNKING assEt maNaGEmENt INsuraNCE PrIvatE BaNKING PrIvatE EQuIty faCtOrING surEtIEs aNd fINaNCIal GuaraNtEEs lEasING CONsumEr fINaNCE fIlm INdustry fINaNCING EmPlOyEE savINGs sChEmE PaymENts sECurItIEs sErvICEs›
N
o
.1
for employee saviNgs (source: AFG, June 2010)
N
o
.1
for film iNdustry fiNaNciNg (source: Natixis survey)
N
o
.1
for guaraNtee iNsuraNce (source: Natixis survey)
N
o
.2
for real-estate leasiNg
(source: ASF, December 2010)
N
o
.2
for retail custody (source: Natixis survey)
N
o
.3
for e-moNey processiNg (source: Groupement des Cartes Bancaires)
N
o
.3
for factoriNg (source: ASF, December 2010)
N
o
.3
for coNsumer credit
(source: ASF, December 2010)
Specialized Financial ServiceS
2010
in
*
At the heart of commercial banking development, Natixis’ Specialized
Financial Services comprises eight business lines: Factoring, Sureties
and Financial Guarantees, Leasing, Consumer Finance, Film Industry
Financing, Employee Savings Scheme, Payments and Securities
Services.
From product design to management of client operations, solutions are underpin-ned by an industrial approach desigunderpin-ned to achieve maximum competitiveness and performance, while providing all client types with high-quality expertise in each business line.
Specialized Financial Services products and services are developed for Groupe BPCE retail banking networks and to generate business for Natixis. They are also designed to meet the requirements of other large banking networks and financial institutions, and enable them to pool the cost of technological investment. With the issues of performance, security, compliance, control and the need for a proactive approach to quality all beco-ming increasingly important, Specialized
Financial Services have been organized to foster operational and commercial effi-ciency in each business line.
All types of client – retail, corporate, insti-tutional investors, asset managers, banks and other financial institutions – will receive efficient and professional service delivered by high-quality, experienced personnel.
NBI breakdown by business line
specialized fiNaNciNg fiNaNcial services
51%
49%
2009 2010 Change
NBI 870 960 10%
Expenses (618) (672) 9%
GOI 252 288 14%
KEy fIGurEs in millions of euros (restated)
employees
3,360
faCtOrING sECurItIEs sErvICEs
surEtIEs aNd fINaNCIal GuaraNtEEs
lEasING PaymENts
CONsumEr fINaNCE
fIlm INdustry
fINaNCING EmPlOyEE savINGs sChEmE
12%
17%
10%
12%
22%
16%
1%
10%
›
* in France5, avenue de la Liberté
94220 Charenton-Le-Pont
Tel. : +33 1 58 32 30 00
www.natixis.com
30 0 – 04/20 11 © Dmitry Yashkin/Shut ter stoc kspecialized financial services
at the heart of retail banking development
March 2011
CorPorATE & INvESTMENT BANkING / INvESTMENT SoLuTIoNS / sPECIalIzEd fINaNCIal sErvICEs
Natixis is the corporate, investment management and financial services arm of Groupe BPCE, the second-largest banking player in France.
With close to 22,000 employees and offices in 68 countries, Natixis has a number of areas of first-rank recogni-zed expertise in three core businesses: Corporate and Investment Banking, Investment Solutions (asset manage-ment, insurance, private banking, pri-vate equity) and Specialized Financial Services.
A global player, Natixis has a long- lasting commitment to its own client base of companies, financial institu-tions and institutional investors as well as the client base of individuals, pro-fessionals and small and medium-size businesses of Groupe BPCE’s two retail banking networks.
Natixis is listed on the Paris stock exchange CAC 40 index.
natixiS
One cOmpany, three cOre buSineSSeS
GrOupe bpce
is the second-largest French banking group, with 36 million clients, 8 million cooperative shareholders and 125,000 employees. Made up of Banque Populaire and Caisse d’Epargne retail banking and of specialized subsidiaries boas-ting expert knowledge in their particular areas of activity, the group carries on all the activities of a commercial banking and insurance specialist and provides solutions in corporate and investment banking and in financial services.tier 1 ratio
*11.4
%
tier 1 capital
*€16.8
billion
Net income (group share)
€1.732
billion
Net banking income
€6.520
billion
+ 10 %
versus
december 31, 2009
Gross operating income
€2.118
billion
+ 25 %
versus
december 31, 2009
Quality long-term
ratings
strong
capital structure
Performances confirmed
in 2010
a+
(stable outlook)
standard & Poor’s
aa3
(stable outlook)
moody’s
a+
(stable outlook)
fitch ratings
Figures as at December 31, 2010
*Early application of the prudential treatment of CCIs (cooperative investment certificates) using a weighting factor.
COrPOratE aNd INvEstmENt BaNKING INvEstmENt sOlutIONs sPECIalIzEd fINaNCIal sErvICEs
a Streamlined
OrGanizatiOn
chart
CaPItal marKEts struCturEd fINaNCE COmmErCIal BaNKING assEt maNaGEmENt INsuraNCE PrIvatE BaNKING PrIvatE EQuIty faCtOrING surEtIEs aNd fINaNCIal GuaraNtEEs lEasING CONsumEr fINaNCE fIlm INdustry fINaNCING EmPlOyEE savINGs sChEmE PaymENts sECurItIEs sErvICEs›
2009 2010 Change
NBI 73.7 100.3 36% Expenses (39.7) (40.7) 3%
GOI 34.0 59.7 75%
Via its three brands Saccef, Cegi and Socamab, Compagnie Européenne de Garanties et Cautions covers several economic sectors, such as housing, social economy, industry, public works and public/private partnerships. This offering is also differentiated by high-tech services (online sureties) available to partners and clients. KEy fIGurEs in millions of euros(restated)
Specialized in financial
guarantees, Compagnie
Européenne de Garanties
et Cautions provides a
multi-market offering.
172,000
home loaN iNsuraNce policies5,300
loi hoguet guaraNtees for property maNagers aNd real-estate ageNts21,000
siNgle-family homes with completioN guaraNteesover 30,000
sureties for compaNiesN
o.1
for solidarity-based saviNgs(48% market share)
(source: Finansol – 31/12/2010)
N
o.1
for sri employee saviNgs(31% market share)
(source: Comité intersyndical de l’épargne salariale – 15/09/2010)
over 47,000
corporate clieNts for employee saviNgs3
millioN employee accouNts maNaged(25.2% market share)
(source: AFG – 30/06/2010)
€17.9
billioN of aum (21% market share) (source: AFG – 30/06/2010)80
millioN service vouchers issued tomore thaN
27,000
clieNts85
millioN ca do chÈQue issued187,300
group life-iNsuraNce aNd health aNd beNefit protectioN policies›
›
›
›
›
›
›
›
2009 2010 Change NBI 125.9 145.3 15% Expenses (80.3) (90.5) 13% GOI 45.6 54.8 20%KEy fIGurEs in millions of euros(restated) Natixis Financement brings
to-gether the full range of consumer credit expertise, i.e. marketing and design, coordination of distribution networks, credit scoring, account management and fronting, com-pliance, recovery and litigation.
In order to meet the needs of its growing business, Natixis Finance-ment opened its 6th customer
rela-tionship center (CRC) in Bordeaux. In an economic environment unfa-vorable to consumer credit, Natixis Financement demonstrated good commercial dynamics, underpin-ned by the launch of the debit/credit cards in the Banque Populaire and Caisse d’Epargne retail banks.
Natixis develops revolving
credit products and
manages personal loans
for Groupe BPCE banks,
via its subsidiary Natixis
Financement.
1.6
millioN revolviNg credit accouNts€1.4
billioN of revolviNg credit portfolios1,289,000
persoNal loaNs graNted by caisse d’epargNe baNks€8.6
billioN of persoNal loaN portfolios uNder admiNistratioN2009 2010 Change
NBI 168.3 157.7 (6%) Expenses (156.8) (146.7) (6%)
GOI 11.6 11.0 (4%) The EuroTitres department is
the key partner to various banks and financial institutions, such as first-rank banks including Banque Populaire and Caisse d’Epargne, specialist banks – with or without network – as well as financial insti-tutions or private banking portfolio management firms, public institu-tions, etc.
Its customizable offering ranges from simple provision of a secure processing system to a compre-hensive package of financial ins-truments covering all back-office functions (order routing and exe-cution, posting transactions, client reporting, securities custody, etc.).
This offering is rounded out with distribution tools for clients and middle or back offices.
The EuroTitres department plat-form can process large volumes in a secure and reliable way. It bene-fits from continuous investments so as to ensure they remain up to date with the latest regulatory and commercial changes, both from the standpoint of compliance and operational risk monitoring.
With over 30 years’ experience and top-level teams, EuroTitres is a recognized player in the retail custody field in France.
Lastly, the SLIB subsidiary develops innovative solutions for European securities players to help optimize processing: risk control, clearing, settlement-delivery, order manage-ment and account holding. SLIB is also the operator of the new plat-form to collect voting instructions during the period when French companies hold their Shareholders’ Meetings.
KEy fIGurEs in millions of euros(restated)
Natixis’ EuroTitres department
is a major player in retail
custody and private banking.
It provides flexible and
competitive solutions
adapted to the domestic and
international development of
its clients.
N
o.1
for the outsourciNg of retailaNd private baNkiNg custody (source: Natixis survey)
€261
billioN of assets (source: Natixis survey)4.5
millioN securities accouNtsA pioneer in employee savings plans and employee share ownership in France and abroad in large, me-dium-size, small and very small bu-sinesses, Natixis is the leader in em-ployee savings accounts in France. It leverages its know-how to deve-lop group retirement savings plans (Perco). A team of experts imple-ment defined contribution or benefit plans (articles 83 and 39) or for the outsourcing of employee-related lia-bilities (end of career benefits, time savings accounts, etc.).
The employee savings solutions de-signed by Natixis Interépargne are distributed by Natixis, and by the retail banking networks of Banque Populaire and Caisse d’Epargne for professionals and small- and me-dium-size businesses.
A trailblazer in solidarity-based em-ployee savings schemes since the 80s via Natixis Asset Management, Natixis Interépargne is the leader in this market.
In addition, its subsidiary, Natixis Intertitres, distributes the full range of regulated service vouchers in France (lunch voucher - Chèque de Table®; pre-financed cheque for home em-ployment - CESU Domalin®; gift voucher - CA DO ChèqUE; culture
voucher - CA DO ChèqUE Culture; and the first “luxury” multi-shop gift voucher - CA DO ChèqUE So Chic).
Thanks to a partnership with Orange, the CESU developed for the
dépar-tements to pay welfare assistance
has added an offering that combines remote processing and pre-financed CESU.
2009 2010 Change
NBI 97.5 100.6 3%
Expenses (87.5) (88.7) 1 %
GOI 10.0 11.9 19% KEy fIGurEs in millions of euros(restated)
€21
billioN of amouNt purchased7
millioN receivables purchased5,800
factoriNg clieNts 2009 2010 Change NBI 118.4 118.8 0% Expenses (72.4) (81.1) 12% GOI 46 37.7 (18%)Natixis Factor provides companies of all sizes with solutions to opti-mize and manage their receivables, such as factoring and financing, cre-dit insurance, business information and receivables management. Alongside Banque Populaire and Caisse d’Epargne, Natixis Factor pur-sues its commercial development.
Thanks to its multi-segment ser-vice and multi-channel distribution policy adapted to all client types, its products are distributed with Groupe BPCE banks, Natixis, and via brokers.
The quality of client service, subject to a service certification since 2005, was confirmed by clients in France and worldwide through an annual customer satisfaction survey.
FactOrinG
leaSinG
cOnSumer Finance
emplOyee SavinGS Scheme
paymentS
SecuritieS ServiceS
Film induStry FinancinG
SuretieS and Financial GuaranteeS
KEy fIGurEs in millions of euros(restated)
Natixis Factor develops
extensive solutions geared
at financing, managing
and protecting corporate
commercial receivables.
Natixis Interépargne assists
companies with their
employee benefits policies via
a comprehensive range that
spans employee savings plans,
retirement savings, employee
share ownership, group
insurance policies and service
vouchers.
€11.5
billioN of assets3
billioN coNtractsN
o.1
freNch player for thefiNaNciNg of reNewable eNergies (source: Natixis survey)
2009 2010 Change
NBI 103.6 118.7 15% Expenses (54.5) (57.3) 5%
GOI 49.1 61.5 25% KEy fIGurEs in millions of euros(restated)
There are several financial solutions for professional equipment, i.e. real-estate leasing, simple rental, car leasing, computer equipment mana-gement leasing. For professional real estate, the range goes from real- estate leasing to renewable energy financing.
Natixis Lease services are marke-ted by Banque Populaire and Caisse
d’Epargne. They target companies of all sizes and the self-employed (craftsmen, store-owners, professio-nals, farmers, etc.)
Natixis Lease is also present along-side Natixis’ corporate clients and shows its capacity to solve increasin-gly sophisticated investment issues. Abroad, it is present in Spain and in Italy. It is also present at La Reunion, the French West Indies, New Cale-donia, and Tahiti via its Océor Lease subsidiary.
Natixis Lease is a key player
in the financing of
professional equipment
and property.
16.3
millioN cards maNaged379,000
shopkeeper coNtracts maNaged6.2
billioN traNsactioNs exchaNged iN sit€24,700
billioN exchaNged via cri 2009 2010 Change NBI 167.7 204.8 22 % Expenses (121.2) (162.0) 34 % GOI 46.5 42.8 (8 %)Natixis Paiements provides a full set of national, European and interna-tional payment services for all types of transactions and all exchange systems. An open information sys-tem is used for the exchange and processing of banks and financial institutions’ bulk and individual ope-rations via organized systems.
In the electronic banking field, Natixis Paiements delivers a full offering from design to sales engineering support to distribution networks.
It covers the distribution of Visa and Mastercard bank cards to retail, pro-fessional and corporate users, and for stores.
All Banque Populaire and Caisse d’Epargne transactions and non-group bank transactions are handled by Natixis Paiements specialist per-sonnel and underpinned by highly efficient IT facilities.
KEy fIGurEs in millions of euros(restated)
Natixis Paiements handles
all the processing needed to
unwind issued and received
payments both from a
financial and accounting
standpoint, and for all client
types.
approximately
€600
millioNof loaNs per year
fiNaNciNg of
15%
of freNch televisioN productioNs 2009 2010 Change NBI 14.9 14 (6%) Expenses (5.8) (5.7) (1%) GOI 9.2 8.3 (9%) KEy fIGurEs in millions of euros(restated)It finances the production and dis-tribution of feature films, television fiction, documentaries, animation series, video games, music, plays, etc., as well as related technical industries (photo printing labora-tories, auditoriums, studios, etc.), projection rooms and distribution (movie theaters, theaters, video clubs, etc.), communications, multi-media and television broadcasting, etc.
Originally targeted at the French market, Natixis Coficiné has ex-tended its activity to the European Union (Germany, Belgium, Spain, Luxembourg, the United Kingdom) and Canada.
The Natixis Coficiné team com-prises some thirty professionals and technicians from the financial, film and television sectors who pro-vide clients with a range of loans tailored to their requirements.
Natixis Coficiné finances all
picture and sound productions.
2009 2010 Change
NBI 73.7 100.3 36% Expenses (39.7) (40.7) 3%
GOI 34.0 59.7 75%
Via its three brands Saccef, Cegi and Socamab, Compagnie Européenne de Garanties et Cautions covers several economic sectors, such as housing, social economy, industry, public works and public/private partnerships. This offering is also differentiated by high-tech services (online sureties) available to partners and clients. KEy fIGurEs in millions of euros(restated)
Specialized in financial
guarantees, Compagnie
Européenne de Garanties
et Cautions provides a
multi-market offering.
172,000
home loaN iNsuraNce policies5,300
loi hoguet guaraNtees for property maNagers aNd real-estate ageNts21,000
siNgle-family homes with completioN guaraNteesover 30,000
sureties for compaNiesN
o.1
for solidarity-based saviNgs(48% market share)
(source: Finansol – 31/12/2010)
N
o.1
for sri employee saviNgs(31% market share)
(source: Comité intersyndical de l’épargne salariale – 15/09/2010)
over 47,000
corporate clieNts for employee saviNgs3
millioN employee accouNts maNaged(25.2% market share)
(source: AFG – 30/06/2010)
€17.9
billioN of aum (21% market share) (source: AFG – 30/06/2010)80
millioN service vouchers issued tomore thaN
27,000
clieNts85
millioN ca do chÈQue issued187,300
group life-iNsuraNce aNd health aNd beNefit protectioN policies›
›
›
›
›
›
›
›
2009 2010 Change NBI 125.9 145.3 15% Expenses (80.3) (90.5) 13% GOI 45.6 54.8 20%KEy fIGurEs in millions of euros(restated) Natixis Financement brings
to-gether the full range of consumer credit expertise, i.e. marketing and design, coordination of distribution networks, credit scoring, account management and fronting, com-pliance, recovery and litigation.
In order to meet the needs of its growing business, Natixis Finance-ment opened its 6th customer
rela-tionship center (CRC) in Bordeaux. In an economic environment unfa-vorable to consumer credit, Natixis Financement demonstrated good commercial dynamics, underpin-ned by the launch of the debit/credit cards in the Banque Populaire and Caisse d’Epargne retail banks.
Natixis develops revolving
credit products and
manages personal loans
for Groupe BPCE banks,
via its subsidiary Natixis
Financement.
1.6
millioN revolviNg credit accouNts€1.4
billioN of revolviNg credit portfolios1,289,000
persoNal loaNs graNted by caisse d’epargNe baNks€8.6
billioN of persoNal loaN portfolios uNder admiNistratioN2009 2010 Change
NBI 168.3 157.7 (6%) Expenses (156.8) (146.7) (6%)
GOI 11.6 11.0 (4%) The EuroTitres department is
the key partner to various banks and financial institutions, such as first-rank banks including Banque Populaire and Caisse d’Epargne, specialist banks – with or without network – as well as financial insti-tutions or private banking portfolio management firms, public institu-tions, etc.
Its customizable offering ranges from simple provision of a secure processing system to a compre-hensive package of financial ins-truments covering all back-office functions (order routing and exe-cution, posting transactions, client reporting, securities custody, etc.).
This offering is rounded out with distribution tools for clients and middle or back offices.
The EuroTitres department plat-form can process large volumes in a secure and reliable way. It bene-fits from continuous investments so as to ensure they remain up to date with the latest regulatory and commercial changes, both from the standpoint of compliance and operational risk monitoring.
With over 30 years’ experience and top-level teams, EuroTitres is a recognized player in the retail custody field in France.
Lastly, the SLIB subsidiary develops innovative solutions for European securities players to help optimize processing: risk control, clearing, settlement-delivery, order manage-ment and account holding. SLIB is also the operator of the new plat-form to collect voting instructions during the period when French companies hold their Shareholders’ Meetings.
KEy fIGurEs in millions of euros(restated)
Natixis’ EuroTitres department
is a major player in retail
custody and private banking.
It provides flexible and
competitive solutions
adapted to the domestic and
international development of
its clients.
N
o.1
for the outsourciNg of retailaNd private baNkiNg custody (source: Natixis survey)
€261
billioN of assets (source: Natixis survey)4.5
millioN securities accouNtsA pioneer in employee savings plans and employee share ownership in France and abroad in large, me-dium-size, small and very small bu-sinesses, Natixis is the leader in em-ployee savings accounts in France. It leverages its know-how to deve-lop group retirement savings plans (Perco). A team of experts imple-ment defined contribution or benefit plans (articles 83 and 39) or for the outsourcing of employee-related lia-bilities (end of career benefits, time savings accounts, etc.).
The employee savings solutions de-signed by Natixis Interépargne are distributed by Natixis, and by the retail banking networks of Banque Populaire and Caisse d’Epargne for professionals and small- and me-dium-size businesses.
A trailblazer in solidarity-based em-ployee savings schemes since the 80s via Natixis Asset Management, Natixis Interépargne is the leader in this market.
In addition, its subsidiary, Natixis Intertitres, distributes the full range of regulated service vouchers in France (lunch voucher - Chèque de Table®; pre-financed cheque for home em-ployment - CESU Domalin®; gift voucher - CA DO ChèqUE; culture
voucher - CA DO ChèqUE Culture; and the first “luxury” multi-shop gift voucher - CA DO ChèqUE So Chic).
Thanks to a partnership with Orange, the CESU developed for the
dépar-tements to pay welfare assistance
has added an offering that combines remote processing and pre-financed CESU.
2009 2010 Change
NBI 97.5 100.6 3%
Expenses (87.5) (88.7) 1 %
GOI 10.0 11.9 19% KEy fIGurEs in millions of euros(restated)
€21
billioN of amouNt purchased7
millioN receivables purchased5,800
factoriNg clieNts 2009 2010 Change NBI 118.4 118.8 0% Expenses (72.4) (81.1) 12% GOI 46 37.7 (18%)Natixis Factor provides companies of all sizes with solutions to opti-mize and manage their receivables, such as factoring and financing, cre-dit insurance, business information and receivables management. Alongside Banque Populaire and Caisse d’Epargne, Natixis Factor pur-sues its commercial development.
Thanks to its multi-segment ser-vice and multi-channel distribution policy adapted to all client types, its products are distributed with Groupe BPCE banks, Natixis, and via brokers.
The quality of client service, subject to a service certification since 2005, was confirmed by clients in France and worldwide through an annual customer satisfaction survey.
FactOrinG
leaSinG
cOnSumer Finance
emplOyee SavinGS Scheme
paymentS
SecuritieS ServiceS
Film induStry FinancinG
SuretieS and Financial GuaranteeS
KEy fIGurEs in millions of euros(restated)
Natixis Factor develops
extensive solutions geared
at financing, managing
and protecting corporate
commercial receivables.
Natixis Interépargne assists
companies with their
employee benefits policies via
a comprehensive range that
spans employee savings plans,
retirement savings, employee
share ownership, group
insurance policies and service
vouchers.
€11.5
billioN of assets3
billioN coNtractsN
o.1
freNch player for thefiNaNciNg of reNewable eNergies (source: Natixis survey)
2009 2010 Change
NBI 103.6 118.7 15% Expenses (54.5) (57.3) 5%
GOI 49.1 61.5 25% KEy fIGurEs in millions of euros(restated)
There are several financial solutions for professional equipment, i.e. real-estate leasing, simple rental, car leasing, computer equipment mana-gement leasing. For professional real estate, the range goes from real- estate leasing to renewable energy financing.
Natixis Lease services are marke-ted by Banque Populaire and Caisse
d’Epargne. They target companies of all sizes and the self-employed (craftsmen, store-owners, professio-nals, farmers, etc.)
Natixis Lease is also present along-side Natixis’ corporate clients and shows its capacity to solve increasin-gly sophisticated investment issues. Abroad, it is present in Spain and in Italy. It is also present at La Reunion, the French West Indies, New Cale-donia, and Tahiti via its Océor Lease subsidiary.
Natixis Lease is a key player
in the financing of
professional equipment
and property.
16.3
millioN cards maNaged379,000
shopkeeper coNtracts maNaged6.2
billioN traNsactioNs exchaNged iN sit€24,700
billioN exchaNged via cri 2009 2010 Change NBI 167.7 204.8 22 % Expenses (121.2) (162.0) 34 % GOI 46.5 42.8 (8 %)Natixis Paiements provides a full set of national, European and interna-tional payment services for all types of transactions and all exchange systems. An open information sys-tem is used for the exchange and processing of banks and financial institutions’ bulk and individual ope-rations via organized systems.
In the electronic banking field, Natixis Paiements delivers a full offering from design to sales engineering support to distribution networks.
It covers the distribution of Visa and Mastercard bank cards to retail, pro-fessional and corporate users, and for stores.
All Banque Populaire and Caisse d’Epargne transactions and non-group bank transactions are handled by Natixis Paiements specialist per-sonnel and underpinned by highly efficient IT facilities.
KEy fIGurEs in millions of euros(restated)
Natixis Paiements handles
all the processing needed to
unwind issued and received
payments both from a
financial and accounting
standpoint, and for all client
types.
approximately
€600
millioNof loaNs per year
fiNaNciNg of
15%
of freNch televisioN productioNs 2009 2010 Change NBI 14.9 14 (6%) Expenses (5.8) (5.7) (1%) GOI 9.2 8.3 (9%) KEy fIGurEs in millions of euros(restated)It finances the production and dis-tribution of feature films, television fiction, documentaries, animation series, video games, music, plays, etc., as well as related technical industries (photo printing labora-tories, auditoriums, studios, etc.), projection rooms and distribution (movie theaters, theaters, video clubs, etc.), communications, multi-media and television broadcasting, etc.
Originally targeted at the French market, Natixis Coficiné has ex-tended its activity to the European Union (Germany, Belgium, Spain, Luxembourg, the United Kingdom) and Canada.
The Natixis Coficiné team com-prises some thirty professionals and technicians from the financial, film and television sectors who pro-vide clients with a range of loans tailored to their requirements.
Natixis Coficiné finances all
picture and sound productions.
2009 2010 Change
NBI 73.7 100.3 36% Expenses (39.7) (40.7) 3%
GOI 34.0 59.7 75%
Via its three brands Saccef, Cegi and Socamab, Compagnie Européenne de Garanties et Cautions covers several economic sectors, such as housing, social economy, industry, public works and public/private partnerships. This offering is also differentiated by high-tech services (online sureties) available to partners and clients. KEy fIGurEs in millions of euros(restated)
Specialized in financial
guarantees, Compagnie
Européenne de Garanties
et Cautions provides a
multi-market offering.
172,000
home loaN iNsuraNce policies5,300
loi hoguet guaraNtees for property maNagers aNd real-estate ageNts21,000
siNgle-family homes with completioN guaraNteesover 30,000
sureties for compaNiesN
o.1
for solidarity-based saviNgs(48% market share)
(source: Finansol – 31/12/2010)
N
o.1
for sri employee saviNgs(31% market share)
(source: Comité intersyndical de l’épargne salariale – 15/09/2010)
over 47,000
corporate clieNts for employee saviNgs3
millioN employee accouNts maNaged(25.2% market share)
(source: AFG – 30/06/2010)
€17.9
billioN of aum (21% market share) (source: AFG – 30/06/2010)80
millioN service vouchers issued tomore thaN
27,000
clieNts85
millioN ca do chÈQue issued187,300
group life-iNsuraNce aNd health aNd beNefit protectioN policies›
›
›
›
›
›
›
›
2009 2010 Change NBI 125.9 145.3 15% Expenses (80.3) (90.5) 13% GOI 45.6 54.8 20%KEy fIGurEs in millions of euros(restated) Natixis Financement brings
to-gether the full range of consumer credit expertise, i.e. marketing and design, coordination of distribution networks, credit scoring, account management and fronting, com-pliance, recovery and litigation.
In order to meet the needs of its growing business, Natixis Finance-ment opened its 6th customer
rela-tionship center (CRC) in Bordeaux. In an economic environment unfa-vorable to consumer credit, Natixis Financement demonstrated good commercial dynamics, underpin-ned by the launch of the debit/credit cards in the Banque Populaire and Caisse d’Epargne retail banks.
Natixis develops revolving
credit products and
manages personal loans
for Groupe BPCE banks,
via its subsidiary Natixis
Financement.
1.6
millioN revolviNg credit accouNts€1.4
billioN of revolviNg credit portfolios1,289,000
persoNal loaNs graNted by caisse d’epargNe baNks€8.6
billioN of persoNal loaN portfolios uNder admiNistratioN2009 2010 Change
NBI 168.3 157.7 (6%) Expenses (156.8) (146.7) (6%)
GOI 11.6 11.0 (4%) The EuroTitres department is
the key partner to various banks and financial institutions, such as first-rank banks including Banque Populaire and Caisse d’Epargne, specialist banks – with or without network – as well as financial insti-tutions or private banking portfolio management firms, public institu-tions, etc.
Its customizable offering ranges from simple provision of a secure processing system to a compre-hensive package of financial ins-truments covering all back-office functions (order routing and exe-cution, posting transactions, client reporting, securities custody, etc.).
This offering is rounded out with distribution tools for clients and middle or back offices.
The EuroTitres department plat-form can process large volumes in a secure and reliable way. It bene-fits from continuous investments so as to ensure they remain up to date with the latest regulatory and commercial changes, both from the standpoint of compliance and operational risk monitoring.
With over 30 years’ experience and top-level teams, EuroTitres is a recognized player in the retail custody field in France.
Lastly, the SLIB subsidiary develops innovative solutions for European securities players to help optimize processing: risk control, clearing, settlement-delivery, order manage-ment and account holding. SLIB is also the operator of the new plat-form to collect voting instructions during the period when French companies hold their Shareholders’ Meetings.
KEy fIGurEs in millions of euros(restated)
Natixis’ EuroTitres department
is a major player in retail
custody and private banking.
It provides flexible and
competitive solutions
adapted to the domestic and
international development of
its clients.
N
o.1
for the outsourciNg of retailaNd private baNkiNg custody (source: Natixis survey)
€261
billioN of assets (source: Natixis survey)4.5
millioN securities accouNtsA pioneer in employee savings plans and employee share ownership in France and abroad in large, me-dium-size, small and very small bu-sinesses, Natixis is the leader in em-ployee savings accounts in France. It leverages its know-how to deve-lop group retirement savings plans (Perco). A team of experts imple-ment defined contribution or benefit plans (articles 83 and 39) or for the outsourcing of employee-related lia-bilities (end of career benefits, time savings accounts, etc.).
The employee savings solutions de-signed by Natixis Interépargne are distributed by Natixis, and by the retail banking networks of Banque Populaire and Caisse d’Epargne for professionals and small- and me-dium-size businesses.
A trailblazer in solidarity-based em-ployee savings schemes since the 80s via Natixis Asset Management, Natixis Interépargne is the leader in this market.
In addition, its subsidiary, Natixis Intertitres, distributes the full range of regulated service vouchers in France (lunch voucher - Chèque de Table®; pre-financed cheque for home em-ployment - CESU Domalin®; gift voucher - CA DO ChèqUE; culture
voucher - CA DO ChèqUE Culture; and the first “luxury” multi-shop gift voucher - CA DO ChèqUE So Chic).
Thanks to a partnership with Orange, the CESU developed for the
dépar-tements to pay welfare assistance
has added an offering that combines remote processing and pre-financed CESU.
2009 2010 Change
NBI 97.5 100.6 3%
Expenses (87.5) (88.7) 1 %
GOI 10.0 11.9 19% KEy fIGurEs in millions of euros(restated)
€21
billioN of amouNt purchased7
millioN receivables purchased5,800
factoriNg clieNts 2009 2010 Change NBI 118.4 118.8 0% Expenses (72.4) (81.1) 12% GOI 46 37.7 (18%)Natixis Factor provides companies of all sizes with solutions to opti-mize and manage their receivables, such as factoring and financing, cre-dit insurance, business information and receivables management. Alongside Banque Populaire and Caisse d’Epargne, Natixis Factor pur-sues its commercial development.
Thanks to its multi-segment ser-vice and multi-channel distribution policy adapted to all client types, its products are distributed with Groupe BPCE banks, Natixis, and via brokers.
The quality of client service, subject to a service certification since 2005, was confirmed by clients in France and worldwide through an annual customer satisfaction survey.
FactOrinG
leaSinG
cOnSumer Finance
emplOyee SavinGS Scheme
paymentS
SecuritieS ServiceS
Film induStry FinancinG
SuretieS and Financial GuaranteeS
KEy fIGurEs in millions of euros(restated)
Natixis Factor develops
extensive solutions geared
at financing, managing
and protecting corporate
commercial receivables.
Natixis Interépargne assists
companies with their
employee benefits policies via
a comprehensive range that
spans employee savings plans,
retirement savings, employee
share ownership, group
insurance policies and service
vouchers.
€11.5
billioN of assets3
billioN coNtractsN
o.1
freNch player for thefiNaNciNg of reNewable eNergies (source: Natixis survey)
2009 2010 Change
NBI 103.6 118.7 15% Expenses (54.5) (57.3) 5%
GOI 49.1 61.5 25% KEy fIGurEs in millions of euros(restated)
There are several financial solutions for professional equipment, i.e. real-estate leasing, simple rental, car leasing, computer equipment mana-gement leasing. For professional real estate, the range goes from real- estate leasing to renewable energy financing.
Natixis Lease services are marke-ted by Banque Populaire and Caisse
d’Epargne. They target companies of all sizes and the self-employed (craftsmen, store-owners, professio-nals, farmers, etc.)
Natixis Lease is also present along-side Natixis’ corporate clients and shows its capacity to solve increasin-gly sophisticated investment issues. Abroad, it is present in Spain and in Italy. It is also present at La Reunion, the French West Indies, New Cale-donia, and Tahiti via its Océor Lease subsidiary.
Natixis Lease is a key player
in the financing of
professional equipment
and property.
16.3
millioN cards maNaged379,000
shopkeeper coNtracts maNaged6.2
billioN traNsactioNs exchaNged iN sit€24,700
billioN exchaNged via cri 2009 2010 Change NBI 167.7 204.8 22 % Expenses (121.2) (162.0) 34 % GOI 46.5 42.8 (8 %)Natixis Paiements provides a full set of national, European and interna-tional payment services for all types of transactions and all exchange systems. An open information sys-tem is used for the exchange and processing of banks and financial institutions’ bulk and individual ope-rations via organized systems.
In the electronic banking field, Natixis Paiements delivers a full offering from design to sales engineering support to distribution networks.
It covers the distribution of Visa and Mastercard bank cards to retail, pro-fessional and corporate users, and for stores.
All Banque Populaire and Caisse d’Epargne transactions and non-group bank transactions are handled by Natixis Paiements specialist per-sonnel and underpinned by highly efficient IT facilities.
KEy fIGurEs in millions of euros(restated)
Natixis Paiements handles
all the processing needed to
unwind issued and received
payments both from a
financial and accounting
standpoint, and for all client
types.
approximately
€600
millioNof loaNs per year
fiNaNciNg of
15%
of freNch televisioN productioNs 2009 2010 Change NBI 14.9 14 (6%) Expenses (5.8) (5.7) (1%) GOI 9.2 8.3 (9%) KEy fIGurEs in millions of euros(restated)It finances the production and dis-tribution of feature films, television fiction, documentaries, animation series, video games, music, plays, etc., as well as related technical industries (photo printing labora-tories, auditoriums, studios, etc.), projection rooms and distribution (movie theaters, theaters, video clubs, etc.), communications, multi-media and television broadcasting, etc.
Originally targeted at the French market, Natixis Coficiné has ex-tended its activity to the European Union (Germany, Belgium, Spain, Luxembourg, the United Kingdom) and Canada.
The Natixis Coficiné team com-prises some thirty professionals and technicians from the financial, film and television sectors who pro-vide clients with a range of loans tailored to their requirements.
