NATIXIS -2020 Universal Registration Document

FINANCIAL DATA Parent company financial statements and notes

Note 4

Interbank and similar transactions

(in millions of euros)

2019

2020

Cash, postal cheque accounts and balances with central banks

24,526 81,014

15,858 87,300

Advances to banks*

Demand

4,227

4,149

Time

76,787

83,151

Interbank and similar transactions

105,540

103,158

* o/w subordinated loans

0

0

o/w reverse repurchase agreements

34,692

36,220

o/w accrued interest

56

86

Provisions for non-performing loans amounted to -€30 million at December 31, 2020, compared with -€48 million at December 31, 2019.

Non-performing loans amounted to €30 million at December 31, 2020, compared with €48 million at December 31, 2019. At December 31, 2020, as at December 31, 2019, Natixis had no irrecoverable loans due from credit institutions.

Note 5

Customer transactions

(in millions of euros)

2019

2020

Current accounts overdrawn

2,433

2,564

5

Commercial loans Other customer loans

397

779

121,314

134,712

Cash and consumer credit

30,542

31,004

Equipment loans

4,621 2,122

5,245 3,028

Export credit Home loans

2

2

Reverse repurchase agreements

59,400

73,963

Subordinated loans

1,230

878

Other loans

23,397

20,592

Customer transactions o/w accrued interest

124,144

138,055

127

252

Non-performing loans amounted to €3,764 million at December 31, 2020 versus €2,856 million at December 31, 2019 (of which €179 million at December 31, 2020 relating to irrecoverable loans versus €195 million at December 31, 2019). Provisions for non-performing loans totaled -€1,404 million at December 31, 2020 versus -€991 million at December 31, 2019 (of which -€174 million at December 31, 2020 versus -€189 million at December 31, 2019relating to provisions for irrecoverable loans). Receivables eligible for refinancing with the Banque de France and/or the European Central Bank amounted to €114 million at December 31, 2020 versus €715 million at December 31, 2019.

The amount of perpetual subordinated loans totaled €808 million at December 31, 2020 versus €808 million at December 31, 2019. Restructured loans as defined in Note 1 amounted to €263 million in performing loans, before impairment, at December 31, 2020 versus €183 million at December 31, 2019. The amount after impairment amounted to €259 millionat December 31, 2020 versus €182 million at December 31, 2019. Restructured loans as defined in Note 1 recorded as non-performing or irrecoverableloans amounted to €1,444 millionbefore impairment at December 31, 2020 versus €1,093 million at December 31, 2019. The amount after impairment amounted to €1,010 million at December 31, 2020 versus €744 million at December 31, 2019.

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2020