NATIXIS // 2021 Universal Registration Document

NATIXIS OVERVIEW Natixis business lines

These solid results are reflected in all its business lines and also illustrate its leadership position in green and sustainablefinance. Natixis has been able to increase its presence in the various segments of the sustainable finance markets, as evidenced by the very strong growth of CIB’s green revenues under the impetus of its Green & Sustainable Hub (GSH). This strong acceleration is based on the consolidation of our franchise in the most mature market segments: green, social and sustainable bond issues; green financing, notably renewable; and equity and bond investment solutions based on the structuring of ESG, Climate and Water indices. In this context, Natixis has been able to support its clients in particularly innovative transactions, including the structuring of historic social issues in Central America (the State of Mexico) and in Africa (examples of the Republic of Benin, and the Development Bank of West Africa), while maintaining its presence with various French public institutions.Also internationally, the Americasplatform was able to reactivate its green securitization franchise (ABS PACE) and expand its offering with the development of “green” securitization "Repeat bonds" and High Yield / LatAm markets (Transmasivo transaction, first Colombian USPP and sustainable USPP certified by CBI). The offer was also deployed in APAC: market structure of "Green Formosa", financing of sustainable infrastructures (DCI datacenter in Australia). With regard to the Green & Sustainable Hub (GSH), efforts were made in terms of methodological and product innovation and was supported by its center of expertise. The latter, which guarantees product integrity, is also actively monitoring changes in the market and the particularly dense regulatory environment in 2021. This innovation drive has enabled the integration of green and sustainable criteria into new asset classes. The inaugural transactions - Green RMBS of a French bank (BPCE), SLB in the High Yield (HY) segment, Green CAT Bonds and the "Impact Hypoteken" Green Mortgage Financing Platform in the Netherlands - have broadened the scope of Natixis' green financing offer. In terms of investment products, the GSH also continued to innovate for the Group’s main banking networks (Banque Populaire and Caisses d'Epargne), for the insurance company Groupama, and for other institutional clients of the bank. Investigationswere also conducted on debt instruments and on the gradual integration of ESG factors into leveraged finance activities (e.g. Leverage Buy Out (LBO) transactions and the HY market segment). Lastly, this year also saw the implementation of Natixis’ major commitments in the fight against climate change: with the publication of its first transparency report, Climate-RelatedFinancial Disclosures (TCFD), and its strategic modeling work on its climate trajectory. The targets set are +2.5°C by 2024, +2.2°C by 2030 and +1.5°C by 2050, thus actively contributing to Groupe BPCE’s “Net Zero” commitment. Research Global markets research, now CIB research, complements Natixis’ sales strategy. It publishes analyzes to inform Natixis clients’ decisions, organizes and participates in visual or digital conferences to present its views, as well as round tables on current, market or sectoral topics.

Recognized for the macroeconomic expertise of its Chief Economists in its three international platforms.The growing use of big data and machine learning has made it possible to define and publish innovative indicators, particularly on uncertainty, sentiment and risk, which are increasingly scrutinized by Natixis' clients. It also participates in the process of creating financial solutions adapted to the expectations of Natixis clients, via valuation models, risk management and asset allocation strategies on equity derivatives, interest rates, credit and foreign exchange. CIB research develops in-depth analysis on key sectors such as infrastructure, real estate, health and insurance, as well as on strategic themes for its clients such as energy transition and technological and digital transformation. The strong participation of CIB Research in the Explore Tech 2021 event demonstratesNatixis' desire to support its clients in the many future technological challenges. Research expertise is also recognized in booming market segments such as the development of the hydrogen sector or the carbon market (carbon capture, carbon allowances and credits). (Capital Markets) Natixis offers its corporate, institutional and Groupe BPCE network clients a wide range of hedging products and financing and investmentsolutions, combined with recognized economic research. Its Capital Markets activities are organized around the following axes: enhancing its offeringwith tailored and innovativesolutions for the V various asset classes. This tailor-made approach enables it to meet the specific needs of each of its clients and to distinguish itself from its competitors; access to a wide range of cash flow products through electronic V platforms, helping to provide liquidity to its clients; continued international development in terms of clients and V regions, relying on the presence of Corporate & Investment Banking (CIB) in Europe, the Middle East, the Americas and Asia-Pacific; a multi-underlying focus, represented by the Global Securities V Financing team active in the money, bond and equity markets. In order to provide a comprehensive response to its professional clients, Natixis has brought together its sales and financial engineering teams and organized them into four divisions: two divisions known as “solutions” to reinforce the commercial V proximity with its clients. These are: “Cross Asset Solutions”, which offers unique multi-asset class V access to distributors, mutual insurance companies, pension funds and family office managers, “Multi-Asset Solutions”, which meets the needs of institutional V investors, asset managers and corporates; a unique financial engineering division that offers innovative V hedging, investment and financing solutions for all asset classes; a MACSE (Multi-Asset Client Servicing & Execution) division that V coordinates flow activities and digital offers. Global markets 1.2.2.1

1

23

www.natixis.com

NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2021