NATIXIS -2020 Universal Registration Document

6 2020 NON-FINANCIAL PERFORMANCE REPORT

Business line contributions to green and sustainable growth

Common commitment

Scope of activity (b)

Individual commitments due in 2020 (a)

Achievements at the end of 2020

Evaluate the impact of our customers (material sectors) 100% of new customers in 2020 V

CIB

The ESR Screening tool aims to systematically integrate the analysis of ESG risks into the systems for entering into relationships and granting credit through a two-level mechanism: identify the customers most at risk. 1. Operational since September 2020: 100% of new corporate V clients are covered. The existing customer portfolio is assessed according to the review schedule; for the most sensitive counterparties: in-depth analysis 2. of the most material ESG risks, in particular biodiversity. Deployed in February 2021 V

3. Measure impact

Evaluate the impact of our financing (material sectors) 50% of new transactions in 2020 V Measure the proportion of revegetation of real estate assets. Publish indicator from 2020 V Structuring financing solutions incorporating specific biodiversity objectives 5+ transactions/year in 2020 V Avoiding, reducing and offsetting the impact of our financing through: Equator Principles: number of projects V subject to a specific biodiversity analysis Publish indicator from 2020 V Exclusion of project financing on sites V classified IUCN I and II, RAMSAR wetland, UNESCO World Heritage. From 2020. V Publication of new sectoral policies V integrating biodiversity. 1 in 2020. V Reduce the use of single-use items 0 cups in 2020. V

CIB

49% of new transactions in 2020

NA

7% (weighted average of total assets area)

4. Integration in decisions

CIB

6 in 2020

5. Avoid, reduce, compensate

CIB

18 projects in 2020

0 financing in these areas in 2020 V

Natixis

Biodiversity issues are already present in public sector policies, V and three new policies or policy updates taking biodiversity into account will be published in 2021. 0 plastic cups purchased directly by Natixis internationally (3.5 million cups avoided per year). Plastic water bottles in auditoriums and meeting rooms have also been eliminated. Cups managed by external service providers remain to be eliminated. 25 workshops and two open days for the three collaborative vegetable gardens were held in 2020.

Natixis

Natixis

Train and raise awareness among our employees through the organization of workshops on collaborative vegetable gardens 10 workshops/year from 2020. V

All commitments can be consulted at this address: (a) https://www.natixis.com/natixis/fr/retrouvez-les-engagements-individuels-detailles-pour-la-biodiversite-rqaz5_112023.html. BGC: Retail Banking - NA: Natixis Assurances. (b)

Participation of Natixis and Mirova in the Taskforce on Nature related Financial risk and Disclosure

Natixis and Mirova have been selected to contribute to the Taskforce on Nature related Financial risk and Disclosure (TNFD), whose work will start in early 2021 for two years. The TNFD is the result of a partnership between the NCFA, the UNDP and the WWF, with the support of the British government. On the same model as the TCFD, but making it possible to extend to nature-related issues, the TNFD will provide a framework to meet the measurement and data needs of banks so that they can better understand dependenciesand their impacts on nature. This working group will have to address several issues: data accessibility:unlike climate data (mainly GHG emissions)held V by companies, data related to natural capital requires access to larger databases (government, NGOs, universities, etc.);

spatiality: risks related to nature are specific to their location, and V the locations of a company’s assets are generally not disclosed; materiality: nature is a public good and is currently used free of V charge by companies. Risks related to nature are therefore rarely taken into account in financial decision-making.The working group will have to consider the possibilities of integrating this materiality through regulations, changes in terms of reporting or responsibility. The work will be shared with all banks and will reduce financial flows with a negative impact on nature, while promoting those with a positive impact.

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2020