CASH MANAGEMENT. Secure and efficient solutions to manage your payments.

Transcription

1 CASH MANAGEMENT Secure and efficient solutions to manage your payments

2 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 three main business lines: Corporate & Investment Banking Investment Solutions & Insurance OUR CLIENTS BEST INTERESTS COME FIRST OUR DISTINCTIVE FEATURES Corporates Financial institutions Groupe BPCE network and their clients Public sector GLOBAL TRANSACTION BANKING At the heart of Corporate & Investment Banking, Global Transaction Banking leverages its teams of experts, working with you on a daily basis to provide tailored advisory services and to design efficient cash management solutions for your business. Specialized Financial Services Client centric Entrepreneurial spirit Agility Ingenuity Long-term client relationship A WORLDWIDE FOOTPRINT London Frankfurt Moscow Milan Beijing Geneva Mexico City Singapore Buenos Aires Global Transaction Banking Corporate & Investment Banking (1) Market share: 21,5% in customer savings deposits and 20,7% in customer loans (source: Banque de France) 2

3 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 payment solutions Multi-channel and multi-format data reporting at every stage of the transaction process MANAGEMENT TOOLS SECURE PAYMENT SOLUTIONS A broad range of channels and tools to monitor your payment flows Helping you fight fraud attempts Working together to build the future of cash management solutions 3

4 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 Treasury payments, commercial transfers, wages and urgent credit transfers Invoices accepted at due date: this enables your beneficiaries to receive commercial information before the payment is executed SEPA Direct Debit Core (private customers and/ or corporate customers) or B2B (business to business) INTERNATIONAL Transfers and cash repatriations, treasury and commercial Transfers funds with fixed exchange rates Benefit from a solution that eases the reconciliation of your foreign currency credit transfers. At the start of each month, we set a fixed exchange rate for each currency that will be applied to all of your transfers 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 payment type needs* Our teams are constantly looking for new, secure and instantaneous payment solutions with greater transparency and traceability. * Initiatives being developed Instant Payment: for instantaneous transfers in the SEPA area. SWIFT Global Payments Innovation: for optimum processing and monitoring of your international transactions. Blockchain: Natixis plays an active role in initiatives to develop secure crossborder transfer solutions using Blockchain technology. 4

5 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. Account statements Company Transactions files 1 Payment status reports, with Payment Status Report (PSR) or French ARA format: you are informed that your remitted orders are ready for execution. 4 2 Intraday Debit/Credit notifications: you are informed whenever funds are to be credited or debited to your account. Transaction reports 3 Debit/Credit notifications 2 1 ARA/PSR 3 4 Transaction reports: you get the full list of issued, received, rejected and unpaid transactions. Account statements: you get a full overview of booked transactions. Products Channel/Format SWIFTNet EBICS Web banking M-banking Payment status reports (ARA/PSR) CFONB 560 pain HTML + attachment in CSV format Interim transaction report MT942 CFONB 120 CFONB 120 HTML HTML HTML + attachment in TXT format Transaction report Natixis account statement CFONB 240 camt.054 MT940 CFONB 120 camt.053 HTML to be downloaded in PDF/CSV/XML format HTML to be downloaded in PDF format HTML + attachment in TXT format or PDF Multi-bank account statement MT940 CFONB 120 HTML HTML HTML + attachment in TXT format myannonce: you can receive notifications and view reports on your smartphone or tablet. e-documents: you can gain online access to your account statements, details of operations, scales of interest and invoices by downloading your e-documents, available online. Innovation to serve your data reporting 5

6 OUR MONITORING SOLUTIONS You have access to a range of different banking communication channels for your cash management according to your needs. EBICS SWIFTNet Our experts support you during the communication protocol implementation phase and answer your questions regarding file formats and their requirements (CFONB, MT, XML, etc.). WEB BANKING Our brand new Global Transaction Banking portal can be viewed on all screen types, PC, mobile and tablet, and offers easy and intuitive browsing: 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

7 SOLUTIONS TO SECURE YOUR BUSINESS Multi-bank electronic certificates SWIFT 3SKey and Cesam OR V3 provide strong authentication technology to secure your transactions. We develop alternatives to electronic certificates on physical devices to provide you with a mobile solution with maximum security as well as to improve your client experience. mycontrôles, a digital solution to secure international transfers, helps prevent social engineering fraud, such as CEO scams, or fake provider fraud. mycontrôles singles out all transactions to a new beneficiary account and/or those that do not correspond with your regular payment operations previously defined on our portal (destination country, currency, average amount). Execution of these payments is immediately put on hold pending your approval and authorization. BIG DATA technology will improve the ability to monitor flows, better identify fraud attempts, and ensure maximum security. Innovation for your bank account management ebam Enjoy a secure, electronic and automated multibank solution, which will streamline the delegation of authority management of your account mandates. GLOBAL TRANSACTION BANKING, YOUR ACTIVE BANKING PARTNER IN DIGITAL SOLUTIONS AND NEW TECHNOLOGIES, PROVIDES: renowned expertise in cash management, security and digital communication support throughout the lifecycle of your projects a vast correspondent banking network worldwide tested highquality service with an ISO 9001 certification secure, standardized and powerful communication systems 7

8 Meet our experts at specialized events: For questions or inquiries, please contact: 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 that you would deem necessary or advisable including that of legal counsel, tax consultants, accountants, financial advisors and any other specialist to verify that the transactions you would like to carry out are compatible with your objectives and constraints. Furthermore, it is your responsibility to seek an independent assessment of the transactions you would like to carry out to ensure you understand their underlying merits and risk factors. The distribution, possession or delivery of this document in, to or from certain jurisdictions may be restricted or prohibited by law. Recipients of this document are therefore required to ensure that they are aware of, and comply with, such restrictions or prohibitions. Neither Natixis nor any of its affiliates, legal representatives, directors, employees, agents or advisors shall be held liable to any person in relation to the distribution, possession or delivery of this document in, to or from any jurisdiction.natixis is supervised by the European Central Bank (ECB). Natixis is authorised in France by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) as a Bank Investment Services Provider and subject to its supervision. Natixis is regulated by the Autorité des marches financiers (AMF) in respect of its investment services activities. In the UK, Natixis is authorised by ACPR and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Natixis is authorised by the ACPR and regulated by the BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) for the conduct of its business under the right of establishment in Germany. Natixis is authorised by the ACPR and regulated by Bank of Spain and the CNMV for the conduct of its business under the right of establishment in Spain. Natixis is authorised by the ACPR and regulated by Bank of Italy and the CONSOB (Commissione Nazionale per le Società e la Borsa) for the conduct of its business under the right of establishment in Italy. In the United States, Natixis is a National Futures Association (NFA) member and has filed its Swap Dealer registration per the Commodity Futures Trading Commission (CFTC) regulations. Natixis Securities Americas LLC is a U.S. registered-broker dealer and a member of the Financial Industry Regulatory Authority (FINRA). The Natixis New York Branch is a New York licensed branch of Natixis, subject to the oversight of the New York State Department of Financial Services (NYDFS) and the Federal Reserve Bank of New York (FRB). Natixis is authorised by the ACPR and regulated by the Dubai Financial Services Authority (DFSA) for the conduct of its business in and from the Dubai International Financial Centre (DIFC). The document is being made available to the recipient with the understanding that it meets the DFSA definition of a Professional Client; the recipient is otherwise required to inform Natixis if this is not the case and return the document. The recipient also acknowledges and understands that neither the document nor its contents have been approved, licensed by or registered with any regulatory body or governmental agency in the GCC or Lebanon. Natixis Japan Securities Co., Ltd. is a financial instruments firm (Director General of Kanto Local Finance Bureau (Kinsho) 2527) and is supervised by Financial Services Agency. In Australia, Natixis Australia Pty Ltd ( NAPL ) is registered with the Australian Securities & Investments Commission and holds and Australian Financial Services License (No ) which enables NAPL to conduct its business in Australia with wholesale clients. This document is distributed in Singapore by Natixis Singapore branch, which is regulated by the Monetary Authority of Singapore. This document is intended solely for distribution to Institutional Investors, Accredited Investors and Expert Investors as defined in Section 4A of the Securities and Futures Act of Singapore. Natixis Bank (ZAO) was licensed and is supervised by the Central Bank of Russia. Details about the extent of our regulation by the competent authorities are available from us upon request. Natixis 11/2017 All rights reserved Shutterstock.com, Fabrice Vallon/Natixis 30, avenue Pierre Mendès France Paris, France Tel. :