CASH MANAGEMENT Secure and efficient solutions to manage your payments www.gtb.natixis.com GROUPE BPCE, FRANCE’S SECOND-LARGEST BANKING GROUP(1) Groupe BPCE operates across the full spectrum of the banking and insurance business, leveraging the presence of its two major independent and complementary cooperative commercial banking networks – Banque Populaire and Caisse d’Epargne – and its subsidiaries. NATIXIS, OUR EXPERTISE AT THE SERVICE OF YOUR GROWTH STRATEGY Natixis is the international corporate and investment banking, asset management, insurance and financial services arm of Groupe BPCE. Natixis has a number of areas of expertise that are organized into four main business lines: Corporate & Investment Banking Insurance Specialized Financial Services Asset & Wealth Management OUR CLIENTS’ BEST INTERESTS COME FIRST OUR DISTINCTIVE FEATURES Corporates Client centric Financial institutions Entrepreneurial spirit Groupe BPCE network and their clients Agility Public sector Ingenuity Long-term client relationship A WORLDWIDE FOOTPRINT TRADE Frankfurt London & Moscow Milan Beijing TREASURY Geneva SOLUTIONS Mexico City At the heart of Corporate & Investment Singapore Banking, Trade & Treasury Solutions leverages its teams of experts, working with you on a daily basis to provide tailored advisory services and to design Buenos Aires efficient cash management solutions Trade & Treasury Solutions for your business. Corporate & Investment Banking (1) Market share: 21,5% in customer savings deposits and 20,7% in customer loans (source: Banque de France) 2 NATIXIS, YOUR TRUSTED PARTNER FOR YOUR CASH MANAGEMENT NEEDS In an ever-evolving technological and regulatory environment, our cash management experts advise you on optimizing your cash management in France and abroad and assist you in selecting and implementing solutions that best fit your needs and organizational set-up. PAYMENTS DATA REPORTING A comprehensive range of Multi-channel and multi-format payment solutions data reporting at every stage of the transaction process MANAGEMENT TOOLS SECURE PAYMENT A broad range of channels SOLUTIONS and tools to monitor your Helping you fight fraud attempts payment flows Working together to build the future of cash management solutions 3 OUR PAYMENT SOLUTIONS In France and abroad, we provide you with a full range of secure and efficient solutions for your payment and collection flows, in euro and other currencies. IN FRANCE AND THE SEPA AREA INTERNATIONAL • Treasury payments, commercial transfers, wages • Transfers and cash repatriations, treasury and and urgent credit transfers commercial • Invoices accepted at due date: this enables your • Transfers funds with fixed exchange rates beneficiaries to receive commercial information before the payment is executed Benefit from a solution that eases the reconciliation of your foreign currency credit transfers . At the start • SEPA Direct Debit Core (private customers and/ of each month, we set a fixed exchange rate for each or corporate customers) or B2B (business to currency that will be applied to all of your transfers business) during that month. At the end of the month, you will receive a rate adjustment file. This service enables you to get a clear overview of your treasury status without waiting for daily exchange rates. Innovation to meet your Instant Payment: for instantaneous transfers in the SEPA area. payment type needs* SWIFT Global Payments Innovation: Our teams are constantly for optimum processing and monitoring looking for new, secure and of your international transactions. instantaneous payment solutions with greater Blockchain: Natixis plays an active role transparency and traceability. in initiatives to develop secure cross- * Initiatives being developed border transfer solutions using Blockchain technology. 4 OUR DATA REPORTING SOLUTIONS Our comprehensive range of multi-channel and multi-format data reporting enables you to monitor your transactions at every step of the way. Company Payment status reports, with Payment Status Report 1 (PSR) or French ARA format: you are informed that Account Transactions statements files your remitted orders are ready for execution. 2 Intraday Debit/Credit notifications: you are informed 4 whenever funds are to be credited or debited to your account. 3 Transaction reports: you get the full list of issued, Transaction 3 reports 1 received, rejected and unpaid transactions. 2 ARA/PSR Account statements: you get a full overview of booked Debit/Credit 4 transactions. notifications Products SWIFTNet EBICS Web banking M-banking E-mail Channel/Format Payment status reports CFONB 560 - HTML + attachment (ARA/PSR) pain.002 - in CSV format Interim transaction MT942 HTML + attachment CFONB 120 HTML HTML report CFONB 120 in TXT format CFONB 240 HTML + Transaction report HTML + camt.054 @documents @documents HTML + to be downloaded in to be downloaded in attachment in TXT MT940 PDF/CSV/XML Natixis account PDF format format or PDF CFONB 120 statement format camt.053 Multi-bank account MT940 HTML + attachment HTML HTML statement CFONB 120 in TXT format myAnnonce: you can receive notifications and view reports on your smartphone or tablet. Innovation to e-documents: you can gain online access to your account serve your data statements, details of operations, scales of interest and reporting invoices by downloading your e-documents, available online. 5 OUR MONITORING SOLUTIONS You have access to a range of different banking communication channels for your cash management according to your needs. EBICS SWIFTNet WEB BANKING Our experts support you during the communication Our brand new Trade & Treasury Solutions portal can protocol implementation phase and answer be viewed on all screen types, PC, mobile and tablet, your questions regarding file formats and their and offers easy and intuitive browsing: requirements (CFONB, MT, XML, etc.). www.gtb.natixis.com Enjoy real-time management and monitoring of your transactions to: • remit your domestic and international credit transfers; • send, sign and monitor your payment orders (credit transfers, bills of exchange, direct debits, invoices accepted at due date); • sign and monitor your payment orders downloaded on the website or remitted using the EBICS protocol; • consult, edit and download all types of e-documents reports (account statements, transaction details, invoices, tax reports and scales of interest); • receive in real time your intraday transaction report statement about issued and received transactions before accounting; • view transaction details managed by Natixis or your other banks. Innovation for your banking communications We take advantage of regulatory changes, particularly opportunities provided by PSD2*, to enhance our multi-bank services available on our web portal. *Second European Payment Services Directive 6 SOLUTIONS TO SECURE YOUR BUSINESS BIG DATA Multi-bank electronic certificates SWIFT 3SKey and Cesam OR V3 provide strong authentication technology technology to secure your transactions. will improve the ability to monitor flows, better identify fraud We develop alternatives to electronic certificates attempts, and ensure maximum on physical devices to provide you with a mobile security. solution with maximum security as well as to improve your client experience. Innovation for myContrôles, a digital solution to secure international transfers, helps prevent social engineering fraud, such your bank account as CEO scams, or fake provider fraud. management myContrôles singles out all transactions to a new beneficiary account and/or those that do not correspond with your regular payment eBAM operations previously defined on our portal Enjoy a secure, electronic (destination country, currency, average and automated multi- amount). Execution of these payments is bank solution, which will immediately put on hold pending your approval streamline the delegation of and authorization. authority management of your account mandates. TRADE & TREASURY SOLUTIONS, YOUR ACTIVE BANKING PARTNER IN DIGITAL SOLUTIONS AND NEW TECHNOLOGIES, PROVIDES: renowned expertise a vast correspondent in cash management, banking network security and digital worldwide communication secure, standardized tested high- and powerful support throughout quality service communication the lifecycle of your with an ISO 9001 systems projects certification 7 Meet our experts at specialized events: For questions or inquiries, please contact: [email protected] This presentation is provided for information purposes only. The document and its contents are the property of Natixis and should not be redistributed to third parties without the prior written consent of Natixis. Natixis makes no representation that the information contained herein is complete, accurate or up to date. The information contained in this presentation is not intended to be updated after the date of initial distribution. It is not updated in real time but at the date of publication of the document mentioned on the last page. It should not be construed as an offer or solicitation with respect to the purchase, sale or subscription of any interest or security or as an undertaking by Natixis to complete any transaction. Any guarantee, funding, underwriting or more generally any potential undertaking by Natixis would be treated as preliminary only and would be subject to a formal approval and written confirmation in accordance with Natixis’ current internal procedures. In all circumstances, it is your responsibility to obtain internal and external advice