NATIXIS // 2021 Universal Registration Document

COMMENTS OF THE FISCAL YEAR Management report as of December 31, 2021

Cost of risk 4.2.2.6 The cost of risk , including that relating to the Payments business to -€190 million at December 31, 2021, of which -€177 million for line, reclassified to profit or loss from discontinuedoperations in the risks on outstandings, non-performing loans and -€13 million for consolidated financial statements at December 31, 2021, amounted provisions on performing loans.

Total cost of risk by division

(in millions of euros)

31/12/2020

31/12/2021

(167)

(819)

Corporate & Investment Banking

Insurance

0

0

Asset & Wealth Management

(4) (8)

(27)

Payment

3

Other

(11)

(8)

TOTAL COST OF RISK

(190)

(851)

Total cost of risk by geographic area

4

(in millions of euros)

31/12/2020

31/12/2021

EMEA

(152)

(386)

12

(83)

Central and Latin America

North America Asia and Oceania

7

(153) (229) (851)

(57)

TOTAL COST OF RISK

(190)

253

www.natixis.com

NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2021