NATIXIS -2020 Universal Registration Document

1 PRESENTATION OF NATIXIS Natixis’ businesses

Personal insurance Revenue (direct sales) amounted to €9.2 billion, down 17%. The health crisis, with agencies closed during the first lockdown, resulted in a sharp decline in activity in the first half of the year, particularly in Spain; activity recovered from June with levels close to those of 2019. Assets under management were up 6% to €72.7 billion. Revenue from personal protection insuranceand payment protection insurance improved 6% to €1,053 million in 2020. Payments 1.2.4 Natixis Payments is a payment services player backed by Groupe BPCE. It offers all economic players a complete range of payment solutions and related services. Through its various entities, includingNatixis PaymentsSolutions for payment processing solutions, Natixis Intertitres, Dalenys, PayPlug, Comitéo, Titres Cadeaux, Le Pot Commun, S-money and Joinly, Natixis Paymentsworks across the entire value chain, from issuance to acquisition, online payments, e-wallets, prepaid cards, and everything in between. Natixis Payments therefore provides comprehensivemanagementof domestic and international payment instruments. It draws on its robust technological grounding, its fintechs and teams of experts to develop a complete range of innovativesolutions with carefully selected partners. Built around three new business units reorganized in 2020, the division’s organizational structure reflects all the solutions proposed by the division: the Processing BU (Natixis Payments Solutions), in charge of the V Electronic Banking and Cash Flow processing activities, mainly on behalf of the Banques Populaires and Caisses d’Epargnenetworks; the Digital Payments BU (Dalenys, Payplug, Smoney, Joinly) which V markets omnichannel e-commerce solutions (Dalenys/PayPlug) and issuance, payment methodmanagement (Smoney) and online contributionsfor non-profit organizations(Joinly). The Dalenys and PayPlug e-commerceoffers are aimed at large remitters and small and medium-sized businesses, respectively. Through its Xpollens platform, Smoney ensures the issuance and management of means of payment, in partnership with Visa;

Non-life insurance Non-life insurance revenues continued to show growth: premium income from property and casualty insurance totaled €1,654 million, up 5%. Growth was driven by auto (+5%) and multi-risk home insurance (+7%). The contract portfolio grew 5% to 6.4 million policies by end-2020, on the back of strong sales performances in both networks.

the Benefits BU (NIT, Comitéo, Vouchers Gifts, Lakooz) which V offers a wide range of services to employees (restaurant vouchers, gift cards, ticketing, online prize pools) while capitalizing on its digital offering. Natixis Payments covers all market segments with tailored, user-oriented solutions in the retail, major corporate, SME, government, fintech, non-profit, financial institution and individual markets in Europe. In 2020, Natixis Paymentscontinued to support its customersduring the health crisis, focusing in particular on guaranteeing the same standard of service in all areas (issuance, acquisition, payment processing, fraud prevention). In addition, it has mobilized to rapidly implement solutions to support the economic activity of its customers, in particular during the implementation of the new €50 limit on contactless payment, the increase in the limit of meal vouchers and e-commerce solutions for the retail sector. The division has also kept the recruitment momentum going, hiring 150 new employees to expand its range of expertise and contribute new essential skills for its development (data, IT build, growth hacking, pricing).

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2020

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