NATIXIS -2020 Universal Registration Document

OVERVIEW OF THE FISCAL YEAR Significant events for 2020

In Asia Pacific, Natixis capitalized on its expertise in green finance by supporting clients in their sustainable transition through emblematic transactions, notably with the Bank of China, which issued the first blue bond for a commercial bank. In Australia, Natixis and M&A boutique Azure Capital provided advisory services for the creation and sale of Engie ANZ’s innovative equity financing platform: the Australian Renewable Energy Trust (ARET). Natixis was awarded several times for a number of transactions as part of the The Asset Triple A and the Air Finance Journal awards and chairs the Fintech working group of the Asia Securities Industry & Financial Markets Association (ASIFMA). The Americas platform continued to expand its range of solutions and strengthen its expertise in structured finance, acquisitionfinance and Capital Markets. In particular, it has created an Investment Banking team combining the Coverage, Real Assets, Investment Banking and Trade teams to strengthen synergies with clients. Natixis New York Branch is now a sponsor of the Fixed Income Clearing Corporation (FICC) Sponsored Repo program for the financing of global securities. Natixis acted as active MLA and Joint Bookrunner for the Embraer bond issue and the prepayment facility with BNDES in 2020. Natixis ranked No. 7 on the US market for CLO arrangers (sources: Bloomberg/Reuters) . The Companywas also named 2019 Enterprise Latin America MLA of the year trophy by IJGLobal magazine. The EMEA platform enjoyed strong business volumes in particular in the Real Assetssector, and was very active in energy and real estate infrastructure projects through the distribution of its assets to a variety of investors and partners. The London branch continued to refocus its business on UK customers. In Germany , the bank established a long-term partnership with a large regional Landesbank for the distribution of indexed insurance with a sustainable investment strategy to tackle climate change. Natixis provides an innovative solution that is the first indexed insuranceproduct on the market to fight against climate change. In the Spanish market, the Madrid branch continued to grow and ranked second in volume for MLA syndicated home loans – FY2020 ( source: Dealogic ). In Italy , Natixis was involved in a significant number of ESR transactions for corporate clients, particularly in the infrastructure and real estate sectors. The bank was appointed Deal Manager and Bookrunner for Generali Assicurazioni in the transition for repurchasing subordinated notes followed by the placement of a new green bond. In the Middle East Natixis was recognized for the IJ Global operation “MENA MLA of the year 2019” and was nominated several times for key green transactions with Acwa Power (Taweelah sustainable desalination loan) or Dewa V (IPP solar PV project). Lastly, in Russia , the bank participated in the financing of the Amur Gaz regional project. On Capital Markets Natixis was able to adapt to the exceptional and unprecedented health crisis conditions by remaining close to its customers and partners by adapting its offering and know-how to their new needs. The Company upheld its position with institutional investorsand supranationalsand strengthenedits positionwith large corporations. In Fixed Income, the teams were heavily involved in helping industrial and institutional investors adapt their risk hedging and investment policies during the COVID-19 crisis. In equity derivatives, Natixis continued to conduct campaigns for financial savings products committed to the energy transition for various banking (BPCE) and insurance distribution networks.

Wealth Management featured several notable events: growth in the lending business (+6%) under controlled risk V conditions; business development in structuredproducts (with a 68% increase V in revenues from EMTN clubs). For the VEGA IM subsidiary, 2020 was marked by: strong sales momentum at Caisse d’Epargne banks despite the V context of the health crisis, reflected in the level of total net inflows, which reached €440 million; management performance, driven by “growth”, generating the V highest ever performance fees; the extension of the range with the VEGA Responsible V Transformation thematic fund, following the partnership established with the independent impact rating agency Impak Finance, as well as the first agreements in pension and employee savings schemes; the creation of VEGA IM’s “Club ESG – Responsible Investment V Expertise division”: oversight of the Responsible Investment policy and its application, overall portfolio design process, transparency commitments (Transparency Code, non-financial reporting), development of the RI range (labels, mutual funds, Discretionary Asset Management, etc.), implementation of dedicated controls. Business in Employee savings remained very dynamic in 2020, as evidenced by the increase of 4% in assets under management year-on-year to €28.2 billion. Business activity in the large corporate client segment was strong with several material calls for tenders won in 2020. Sales of the BPCE networks, which were shut down from mid-March to May 2020, recovered at a satisfactory pace until the end of the year. The reform of the retirement savings market, brought in by the PACTE law, remaineda top priority in the past year. Natixis Interépargne and ARIAL CNP Assurances, the first insurance company entirely dedicated to supplementary collective pension savings, announced in early July the pooling of their expertise to offer companiesa comprehensiverange of employee and retirement savings solutions incorporating the new company retirement savings plans (PER). Through this partnership, Natixis Interépargne gives companies of all sizes – from very small businesses to the largest corporations – complete access to a comprehensive range of employee and retirement savings solutions. Corporate & Investment Banking ’s 2020 highlights included the continued roll-out of New Dimension strategic plan targets aimed at achieving the following goals: to be recognized as a bank that offers innovative solutions, be an active player in new societal trends, and offer increased support to its clients in this exceptionaelnvironment. In the first half of 2020, the COVID-19 crisis triggered a new dynamic in the responsible investment market, bringing social issues to the same level as environmental issues. Natixis supported various French public institutions such as Unédic and CADES in charge of maintaining social protection systems. Natixis, after the roll-out of its Green Weighting Factor in 2019, worked on the dynamic management of its own energy trajectory. Natixis received several awards for its expertise and capacity for innovation in the “green” sector.

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2020