NATIXIS // 2021 Universal Registration Document

NATIXIS OVERVIEW Natixis business lines

Personal Insurance Revenue (direct sales) amounted to €12.5 billion, up 36%. Gross inflows (direct business) in Savings are thus higher than before the health crisis: +12% compared to 2019. Outstandings were up 12% to €81.3 billion. Revenue from personal protection insurance and payment protection insurance improved 14% to €1,214 million in 2021.

Non-Life Insurance The Non-Life Insurance activity confirmed a real “shift in gear” with an increase in vested contributions of 8% compared to last year to stand at €1,790 million. This growth was driven by auto insurance (+11%) and multi-risk homeowners’ insurance (+10%), in line with the acceleration in the growth of the portfolio following the successful deployment of new offers in both networks. The portfolio of contracts grew by 6% to reach 6.8 million policies at the end of 2021, driven by good sales momentum and control of cancelation rates. the Bimpli BU (formerly the Benefits BU resulting from the merger V of the NIT, Comiteo, Titres Cadeaux, Lakooz and Jackpot entities) which offers a wide range of services and benefits to employees (restaurant vouchers, gift cards, ticketing, online prize pools) while at the same time capitalizing on its digital offering; in addition to its support functions, the Payments division also V relies on its Networks Business Line department to facilitate the marketing of payment offers and solutions by the Banque Populaire and Caisse d’Epargne networks. 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 2021, Natixis Payments, as part of the new BPCE 2024 strategic plan, confirmed its ambition to become the French benchmark for the digitizationof payments and retail. To this end, Natixis Payments intends to differentiate itself from its competitors by offering a top-notch client experience and capitalizing on its capacity for technological innovation. The division also continued its development momentum by increasing its workforce by 9%, with talents that complement its range of know-how and provide the skills essential to its development (data, IT build, sales, product management).

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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, Natixis Payments operates across the entire value chain, from issuance to acquisition, from online payments to e-walletsand prepaid cards. 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. The division’s organization,built around three business units, reflects all the solutions proposed by the division: the Processing BU (Natixis Payment Solutions), in charge of the V Electronic Banking and Cash Flow processing activities, on behalf of the Banque Populaire and Caisse d’Epargne networks; the Digital Payments BU (Dalenys, Payplug, Xpollens, 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. Xpollens’ (formerly S-money) ensures, via its issuing platform, and in partnershipwith Visa, the issuance and management of means of payment in a Bank as a Service model (embedded payments); Financial investments 1.2.5 Coface A global expert in trade risk prevention and guarantees for corporate clients Over 75 years of experience and a dense geographic network have made Coface a benchmark in credit insurance, risk managementand the global economy. The experts at Coface, which aims to become the most agile credit insurance partner in its industry, operate in the heart of the global economy. They help their 50,000 clients build successful, dynamic and growth-oriented companies by protecting them from the risk of financial default by their clients. Coface’s services and solutions protect companies and help them make the necessary credit-related decisions to strengthen their ability to sell their products on both domestic and export markets.

Changes in governance On the Board of Directors

On February 10, 2021, Natixis and Arch Capital Group announced that the transaction relating to the sale of 29.5% of the shares of Coface S.A. had obtained all the necessary authorizations. In accordancewith the announcementsmade in February 2020, the directors representing Natixis tendered their resignation. On January 6, 2022, Natixis announced that it had sold all of its residual stake in the Coface entity.

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2021