NATIXIS -2020 Universal Registration Document

Natixis at a glance Pr ofi lE

Strong expertise in four business lines

> Asset Management > Wealth Management > Employee savings schemes ASSETMANAGEMENT AND FORTUNE

CORPORATE & INVESTMENT BANKING > Investment Banking and acquisitions and disposals > Structured financing > Capital market > Trade finance and cash management > Coverage

INSURANCE

PAYMENTS

> Life & personal protection insurance > Non-life insurance

> Issue > Acquisition > Processing > Fight against fraud > Prepaid

A subsidiary of Groupe BPCE*

shareholders 9 MILLION

100% (3)

100%

FNBP (1)

FNCE (2)

50%

50%

14

15

100%

71% (5)

SUBSIDIARIES (4)

* S econd largest banking group in France. Source: Market shares: 22% in customer savings and 21.5% in customer loans (Banque de France Q3- 2020 (all non-financial customers)). (1) ) Fédération Nationale des Banques Populaires. (2) Fédération Nationale des Caisses d'Epargne. (3) Indirectly through Local Savings Companies (4) Banque Palatine, Subsidiaries grouped together within the Financial Solutions & Expertise division, Oney Bank. (5) Free float: 29%.

Non-financial ratings for 2020 Natixis’ main ESR ratings Natixis’ main ESR ratings atixis’ main ESR ratings atixis’ main ES ratin

Long and short-term rating (Situation on February 11, 2021)

AAA

AAA

2016 2017 2018 2019 2016 2017 2018 2019 78 73 2016 2017 2018 2019 2016 2017 2018 2019

AAA

AAA

AAA

AAA

0 10 20 30 40 50 60 70 80 90 100 0 10 20 30 40 50 60 70 80 90

0 10 20 30 40 50 60 70 80 90 100

Natixis gradually improv ESG ratings… Natixis gradually improves ESG ratings… Natixis gradually improve ESG ratings… atixis gradua y improve ratings

54 0 10 20 30 40 50 60 70 80 90 100 1

Standard & Poor’s Moody’s

Fitch Ratings

80

80

80

80

72

72

72

72

59

Long-term rating

59

59

A1

59

59

A+

A+

55 5

55

55

…To become one of the sector’s leader consisten focus on sustainable fina …To become one of the b sector’s leader consistent focus on su tainable fina To become one of the b sector’s leader consi tent focus on sustainable finan To becom one of the sector’s leader con isten focus on sustainable fina

C+/prime

C+/prime

C+/prime

C+/prime

C/prime C/prime C/prime C/prime C/prime C/prime

Short-term rating

A-1 P-1 F1

2017 2019

2 018 2 020

Perspective Negative Stable Negative

5

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2020