NATIXIS -2020 Universal Registration Document

STRATEGY Strategic plan NEW DIMENSION 2018-2020

INSURANCE

PAYMENTS

Ambition

Ambition

Strengthening the position o f leading insur er in France

Becoming a pure payments player in Europe

Achievements VV Unique insurance platformserving customers of the Banque Populaire and Caisse d'Epargne networks: fully‑fledged bancassurer VV Redesigned and enhanced offers on life and non-life activities VV Digital customer journeys of the highest standards for clients and advisors of the Banque Populaire and Caisse d'Épargne networks VV Combined ratio at the best level

Achievements VV Innovative solutions in growing segments (e-commerce) thanks to the Fintechs portfolio VV Positioning on the “Banking As a Service” market with the Xpollens payment solution VV Strengthening relations with the Banque Populaire and Caisse d'Epargne networks: from producer to partner-expert in payment solutions

Transforming to gain agility

Make culture a lever f or emplo yee engagement Natixis launched an unprecedented approach at the height of the economic and financial crisis. Objective: identify practices and behaviors that reflect its corporate culture. The participatory approach mobilized nearly 400 employees around approximately 40 workshops and discussion forums, as well as an upstream survey. Result: “Purple Way” Natixis' trademark, highlighted three key values: sustainable impact,

Simplified andmore agile operatingmethods, f or e xample

VV Deployment of the “Easy” program , giving employees more flexibility in their working methods (e.g. deployment of laptops for all and collaborative tools). VV Implementation of a new leadership mode l and an approach to simplify organizations (reduction of hierarchical layers). VV TEO program targets exceeded (~€340 million) and cost flexibility proven with the crisis.

sentrepreneurial spirit, collective intelligence.

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2020