NATIXIS // 2021 Universal Registration Document

5 CONSOLIDATED FINANCIAL STATEMENTS AT DECEMBER 31, 2021 Consolidated financial statements and notes

13.1.3

Breakdown of lease liabilities and off-balance sheet commitments

by contractual maturity The amounts presented in the table below comprise non-discounted contractual cash flows.

31/12/2021

31/12/2020

Less than 1 month

Less than 1 month

1 to 3 months

3 to 6 months

6 months to 1 year

1 to 2 years

2 to 5 years

Over 5 yars Total

(in millions of euros)

1 to 3 months

3 to 6 months

6 months to 1 year

1 to 2 years

2 to 5 years

Over 5 years Total

Non discounted lease liabilities (before deduction of financial expenses)

39 100 186 339 352 1,079 Including cash flows from the Insurance, Payments and Natixis Immo Exploitation business lines, classified as “Liabilities related to non-current assets held for sale” at December 31, 2021 (see Notes 1.2 and 7.10). 12 51 102 145 454 526 1,329 40 11 50

The following table presents future cash outflows not included in the measurement of lease liabilities as at December 31, 2021 for leases not yet commenced but representing commitments undertaken by Natixis.

31/12/2021

31/12/2020

Less than 1 month

Less than 1 month

1 to 3 months

3 to 6 months

6 months to 1 year

1 to 2 years

2 to 5 years

Over 5 years Total

(in millions of euros)

1 to 3 months

3 to 6 months

6 months to 1 year

1 to 2 years

2 to 5 years

Over 5 years Total (a)

Leases already signed

but whose underlying assets have not yet been made available

0

0

0

0

4

13

18 35

0

0

0

0

0 104 257 361

Corresponds to Tours Duos, which was delivered in December 2021. (a)

13.2

Lease contracts where Natixis is the lessor

31/12/2020

31/12/2021

Residual term

Residual term

More than or equal to 1 year and less than 2 years

More than or equal to 2 years and less than 3 years

More than or equal to 3 years and less than 4 years

More than or equal to 4 years

More than or equal to 1 year and less than 2 years

More than or equal to 2 years and less than 3 years

More than or equal to 3 years and less than 4 years

More than or equal to 4 years

and less than 5 years > 5 years Total

and less than 5 years > 5 years Total

Less than 1 year

Less than 1 year

Lease financing (in millions of euros) Finance leases Gross investment

12

9

7

3

1

0 32 12

9

6

4

1

0 32

Present value of minimum lease payments receivable Unearned finance income Operating leases Minimum payments receivable under irrevocable leases

11

8 1

6 1

3 0

1 0

0 28 11

8 1

6 0

4 0

1 0

0 30 0 3

2

0 4

2

45 37 31 25 20

63 221 47 40 33 28 22

64 234

390

NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2021