NATIXIS - 2018 Registration document and annual financial report

NON-FINANCIAL PERFORMANCE REPORT Business line contributions to green and sustainable growth

The consumption monitoring system has also reduced energy use by around 15% and water consumption by 59,000 m 3 on the 90 sites fitted with the system since 2012. Natixis Assurances monitors and reports annually on the portion of its real estate investments that have environmental certification. At year-end 2018, 33% of real estate assets managed under investment mandates were certified (HQE, BREEAM, etc.). In 2019, its acquisition policy will systematically incorporate environmental criteria. An initial energy performance review was performed on all properties under investment mandates in 2018 with an assessment of carbon emissions. In 2019, Natixis Assurances will set action plans to reduce its buildings’ energy consumption in line with its climate commitments (1) . Natixis Assurances also encourages individual policyholders to save energy via its range of home insurance products. The range includes coverage of equipment such as domestic windmills, solar panels or solar-powered water heaters, energy control cabinets, storage batteries and rainwater collection tanks. In addition, as well as managing customer claims, Natixis Assurances advises on using environmentally-friendly products when repairing damage.

Mirova factors in sustainable mobility by encouraging investments in securities issued by vehicle manufacturers and equipment suppliers that propose technical solutions to solve the challenge of offering more and more people mobility solutions while reducing the environmental and social impacts linked to transport. In 2018, Mirova published its conclusions in a report (2) on the ESG issues facing vehicle manufacturers and equipment suppliers, setting out the solutions and risks identified in order to optimize the impact of its investments. Natixis Car Lease has had electric and hybrid vehicles available for lease since its creation and at the end of 2018, 8% of its leased vehicles were electric or hybrid. Natixis Assurances offers preferential rates to individuals who travel less than 8,000 km per year in their car: this option applies to 26% of contracts (187,993 contracts), or €64.4 million in annual premiums in 2018. Savings of up to 30% are offered to electric vehicle owners. In the interest of supporting its customers, Natixis Assurances also offers eco-driving courses. Green bonds and green loans 6.3.2.4 Green bond issuers undertake to use the funds raised to finance projects with a positive impact on the environment. Unlike traditional bonds that can finance all the issuer’s activities, a green bond finances traceable investments in measures to improve environmental performance such as energy efficiency, renewable energy, sustainable transport or water management. The green bonds market totals €167.3 billion (3) . In 2018, Natixis arranged 18 green bond issues, confirming its solid positioning on this market, especially in Europe, where Natixis is the number three issuance arranger in euros (4) , and in Asia, where it was systematically awarded the role of Green Structuring Advisor.

Sustainable mobility ODD 9: Industry, innovation and infrastructure ODD 13: Climate action

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Mobility is crucial to human development. Moving goods and people allows access to goods and services, in particular housing, employment, healthcare, education and culture. However, this has an impact on climate change, air quality, the use of fossil fuels, biodiversity, and health. Transport growth projections expect the number of air passengers to double by 2040 and that there will be nearly two billion vehicles in circulation by 2050. Natixis is committed to developing sustainable, low carbon transport solutions through its financing and investment activities.

2018 Key Events ODD 11: Sustainable cities and communities Green bond issue for La Poste group

Natixis was Green Structuring Advisor on La Poste group’s first green bond issue—a world first for a postal services company. The €500 million raised in November 2018 directly funded projects for the energy transition (solar panels, electric vehicles, green buildings). ODD 12: Responsible consumption and production Green bond issue for Beijing Capital Natixis was Sole Green Structuring Advisor and underwriter for Beijing Capital group’s first green bond issue. The $250 million raised over three years cover the water and waste treatment firm’s entire solid waste processing chain. The issue was awarded a Green Bonds certificate by the Hong Kong Quality Assurance Agency.

See section on aligning with the objectives of the Paris Agreement. (1) http://www.mirova.com/Content/Documents/Mirova/publications/VF/DocRecherche/MobiliteConstructeursEtEquipementiers2018.pdf. (2) Climate Bonds Initiative, 2018. (3) Euro Green Bonds League Table, Bloomberg 2018. (4)

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Natixis Registration Document 2018