NATIXIS -2020 Universal Registration Document

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

Recognition of biodiversity in financing and investments 6.4.3.2

The Green Weighting The Green Weighting Factor Initiative introduced in September 2019 now systematically evaluates the impact of financing solutions on biodiversity in relevant sectors as well as the impact of dedicated financing solutions (project or asset financing) on Key Biodiversity Areas. Natixis already incorporates an in-depth analysis of the impact on biodiversity in its project financing activities and in 2021 it will continue to step up its recognition of natural capital preservation in all its activities: In accordancewith the Equator Principles, Natixis requires its clients to examine all the risks and potential impacts of their projects from an environmental, social, health and safety perspective and to take all the necessary steps to minimize and correct the potential impacts. Protecting biodiversity is an integral part of these requirements. The quality of the client’s impact studies and managementsystems is also taken into accountwhen assessingthe project. The assessment is generally performed by an independent consultant and it pays particular attention to the preservation of natural and critical habitats, in compliance with the regulations applicable to the project. For projects located in non-designated countries (1) , additional action is required to meet the conditions set by the International Finance Corporation (2) . Mining activities to extract, recycle and transform commodities have a significant impact on natural capital and biodiversity. For this

reason, Natixis works with its clients to plan, avoid, reduce and offset the impact of these activities at each stage in the investment process. For each transaction, the Energy & Natural Resources(ENR) team ensures that its clients observe the practices required in the sector (including the Equator Principles) and Natixis’ internaplolicies. For agricultural commodities , Natixis helps its clients with natural capital protection. Natixis acted, alongside ING, as Joint Bookrunners, Mandated Lead Arrangers and CSR coordinators, to finalize a Sustainability-linked loan for Tereos, one of the leading sugar and ethanol producers in Brazil. This $105 million long-term facility is the first Sustainability-linkedloan in the sugar and ethanol sectors in Brazil. Through this mechanism, Tereos is committed to sustainable performance targets, through key indicators focusing on natural capital: annual reduction in water consumption per ton of sugar cane V processed; annual increase in sugar cane certification. V Each year, Tereos will benefit from a reduction in the margin rate subject to achieving its sustainable performance targets. An independentaudit will validate the achievement of these objectives.

2020 KEY EVENT First Sustainability-Linked loan for Touton, incorporating criteria related to natural capital Natixis acted as sole Arranger, Facility Agent and ESR coordinatorto finalize the first Sustainability-Linkedloan for its long-standing client Touton, specialized inthe marketing and processing of commodities (cocoa, coffee ansdpices). Sustainability objectives have been incorporated into this $91 million facility to support the implementation of a responsible supply chain: improved farming practices, and trainingin sustainable agriculture for communities; V better mapping and assessment of deforestation risk; V promote the flow of cocoa beans from Ghana certified by a trusted third party, such as the Rainforest Alliance, V Fairtrade and UTZ.

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The GSH published a research report in 2020 (3) on the theme of water with a threefold objective: decipher the main challenges and risks related to water; V understandthe role of institutions,policies and the private sector in V transforming these challenges into opportunities; understand the role of sustainable finance in ensuring that V economic activities capable of providing solutions to water problems have access to capital commensuratewith the scale of these challenges.

AEW CILOGER integrates biodiversity into its SRI policy and management practices. A biodiversity indicator is included in the ESG audit that it has developed. This makes it possible to assess the building’s initial performanceand improve its managementthrough a dedicated action plan. This indicator is used on three funds or mandates corresponding to 24% of the portfolio managed. Specific actions are proposed to investors such as the definition of a biodiversity strategy for a warehouse portfolio and the integration of biodiversity into the Innov 2019 project. On this occasion, studies were carried out to create or develop biodiversity in ten buildings. Greening projects are underway or planned.

As defined in the Equator Principles. (1) IFC Performance Standard 6: biodiversity conservation and sustainable management of living natural resources. (2) https://gsh.cib.natixis.com/our-center-of-expertise/articles/water-economy-deciphering-the-challenges-financing-the-opportunities. (3)

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2020