NATIXIS -2020 Universal Registration Document

2020 NON-FINANCIAL PERFORMANCE REPORT Business line contributions to green and sustainable growth

Building on its success with Fideme (2002), Eurofideme 2 (2009), Mirova Eurofideme3 (2014) and Mirova Eurofideme4 (2018), Mirova is working on the launch of a new generation of funds dedicated to financing the infrastructure of the energy transition. The Fund will continue the strategy of its predecessors by offering its investors renewable energy projects built in Europe, using proven technologies (wind, solar, hydraulic, biomass and heating networks) and through investments in minority partnerships or majority shares with manufacturersin the sector, or even direct equity investments. It will also continue to invest in storage capacities associated with renewable energy plants and in low-carbon mobility.

Investments in renewable energy Natixis Investment Managers finances renewable energy via the investment funds proposed by its affiliates. Mirova launched its fourth renewable energy infrastructure fund, Mirova Eurofideme 4, in 2018. At the end of November 2019,Mirova finalized fundraising for €857 million, far exceeding its initial target, and closed the biggest renewable energy fund dedicated to the European market. In 2020, a strategic partnership was forged with Engie in the biogas sector and enabled the fund to be deployedmore quickly than anticipated. The Mirova Eurofideme 4 fund acquired a 50% stake in Dana Gaz, which owns nine methanation units in operation (for an installed capacity of 17.5 MW), developed and built by Engie. The biomethane sector will contribute to the revival of a circular economy by recycling waste, creating jobs and supporting agriculture.

Financing and investment in mobility and sustainable cities 6.4.2.3

Natixis is a leading bank in the financing of environmental the capacity to supply approximately80,000 householdswith energy. infrastructure (1) . In particular, in 2020 it supported the financing of a Natixis acted as lead manager and hedging bank for the financing of Newhurst waste-to-energyplant in England. The facility can burn up the project. to 350,000 tons of non-recyclable residual waste per year and has

2020 KEY EVENT Launch of the Smart Cities fund

Seven out of ten people will live in cities by 2050: finding solutions to the challenges of accelerated urbanization V means meeting infrastructure needs, connecting the city of tomorrow and developing a sustainable city (in particular through access to electricity, air qualityand waste collection). The Smart Cities fund, developed by Ostrum and taken over by DNCA following the merger with LBPAM, invests in V a selection of innovative companies that contribute to the development of the city of tomorrow: smart buildings, digitization, green mobility and sustainable cities.

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regulatory requirementsand contribute in full to ESG issues in order to build sustainable cities. Natixis Assurances also encourages individual policyholdersto 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. The launch of a new insurance offer in 2020 has made it possible to extend coverage to wood-frame houses and thatched roofs, which represent carbon sinks and thus contribute to the mitigation of climate change. In the event of a claim, policyholders can repair damaged paintwork themselves using eco-friendly paint available at a preferential price. As for guaranteedhousehold appliances, new equipment is provided with environmentally friendly A+ equipment that is more energy efficient. In addition, policyholders benefit from support services to achieve energy savings, in particular by having access to a network of RGE certified craftsmen (Recognized Guarantor of the Environment: qualified professionals for energy renovation work). AEW CILOGER continued its efforts to obtain certification for its portfolio assets throughout 2020. Its buildings received BREEAM on construction, LEED existing building, HQE in use, BREEAM in use, BBCA (low-carbon building) or BEPOS (positive energy building) certification.The amount of certified assets amounted to €7.6 billion, representing 23% of AEW CILOGER’s portfolio. In 2020, six funds

Sustainable real estate The specific market context in 2020 has led the real estate financing teams to position themselvesmore strongly on the financing of real estate project development. A total of seven sustainable property transactions were completed during the year: three sustainable loans (corporate loans), including two under V which Natixis was sutainability coordinator, and the modification of the terms of another existing corporate financing to include sustainable clauses; the signing of four green mortgage loans, including two for which V Natixis was Sustainability Coordinator. A social bond, the first in its sector, was also issued in 2020. Natixis Assurances monitors and reports annually on the portion of its real estate investments that have environmental certification. At year-end 2020, 49% of real estate assets under investment mandates were certified (HQE, BREEAM). In 2019, Natixis Assurances extended ESG integration to its real estate portfolio and ultimately aims to fully integrate ESG criteria. In 2020, it will implement an energy convergence plan and continue to obtain certification for the assets in its portfolio. The asset acquisition policy includes identifying, monitoring and managing sustainable development indicators. Natixis Assurances intends to go beyond

Number eight in the world for BPCE, Natixis’ parent company, among renewable energy infrastructure financing banks (source: IJGlobal’s infrastructure and project finance (1) league table report 2020).

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2020