NATIXIS // 2021 Universal Registration Document

Retail business lines

INSURANCE

Accelerate the rollout of responsible insurance solutions for the clients of the networks, by capitalizing on the investments we have made

#DIVERSIFY Accelerate the rollout of responsible insurance solutions for the clients of the networks, by capitalizing on the investments we have made. #COMMIT Foster the development of our talents and our positive impact on society. #TRANSFORM Attain profitability for our three activities, while maintaining our investment efforts.

Objectives for 2024: V CAGR 20-24 NBI ~6% V P&C equipment rates (individuals) 35% V Growth in professional contracts IARD +50%

V % of units linked to life insurance gross inflows 40% V NPS IARD customer relationship platform >40 V Combined IARD ratio <94%

PAYMENTS

An innovative payments business line that acts as a source of growth for Groupe BPCE and of differentiation for the networks

#DIVERSIFY Make payments a comparative advantage for the BPCE networks and continue our development on external clients, thanks to the excellence of our offering and customer experience. #COMMIT Foster the development of our talents and our positive impact on society. #TRANSFORM Attain profitability for our three activities, while maintaining our investment efforts.

Objectives for 2024 : V NBI growth of ~9% tcam 2020-2024 V Growth in VOLUMES (tcam 2020-2024) V Processing (Transactions processed) ~10%

V Digital (merchant flows): >30% V Benefits (Apetiz volumes): ~15% V Percentage of direct customers >55%

11

www.natixis.com

NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2021