NATIXIS // 2021 Universal Registration Document

7 ACCOUNTABILITY REPORT ENVIRONMENTAL AND SOCIAL RESPONSIBILITY 2021 Business line contributions to green and sustainable growth

Investments in renewable energy Natixis Investment Managers finances renewable energy via the investment funds proposed by its affiliates. Through five vintages of renewable energy transition infrastructure funds, representing two billion in assets under management at the end of 2021, Mirova has financed more than 300 projects in 10 European countries and various renewable energy sectors and has contributed to the installation of 5 GW of clean energy. Building on its success with the renewable energy infrastructure funds Fideme (2002), Eurofideme 2 (2009), Mirova Eurofideme 3 (2014) and Mirova Eurofideme 4 (2018), in 2021 Mirova launched its fifth fundraising for energy transition infrastructures. With this Mirova Energy Transition 5 (MET5) fund, Mirova is aiming for a final size of over €1 billion and wishes to continue to expand its investment scope towards new energy transition technologies. It will build on the European dynamic of the renewable energy and low-carbon mobility sectors, and may invest up to 10% of the fund’s assets in OECD member countries. The fund will offer its investors renewable energy projects using proven technologies (onshorewind, photovoltaic, hydroelectricity, and biogas) as well as new robust technologies, such as offshore wind. MET5 will also invest in the low-carbon mobility sectors, in particular to support the growth of the electric vehicle sector and the emergence of hydrogen. The fund

will retain great flexibility in terms of its intervention (majority or minority shareholdings, equity financing or subordinated debt, and the possibility of short-term bridge financing). In 2021, Vauban Infrastructure Partners acquired 100% of the capital of four district heating networks in Spain, a “green” project connecting more than 25,000 homes to these networks by 2028. This portfolio is the largest in Spain in terms of capacity but also in biomass supply. The portfolio has a total capacity of 74 MW, a target demand of 300 GWh during the operating phase, and a total of 77 km of network already built and connecting 10,000 homes. Networks and capacity are expected to increase in the coming years. In addition to providing the lowest cost per MWh (annual savings of up to 10-20% for end customers before the recent increase in gas prices), the technology is in line with energy transition objectives which makes it more reliable for end users, until at least 2040. The project will result in a significant reduction in GHG emissions compared to other heating solutions thanks to the use of biomass, which emits ten times less than natural gas (around 400 gCO 2 eq/KWh for natural gas compared to approx. 40 gCO 2 eq/KWh for biomass, which may be even lower depending on the type of biomass used). Sustainable real estate In a contrasting real estate market in 2021, the real estate financing teams have increased their positioning on the financing of sustainable projects by doubling the number of financed transactions. A total of 13 transactions were closed in 2021. five sustainable financings (corporate loans), three of which V Natixis waseither Sustainability Coordinator or Co-coordinator; the signing of 8 green mortgage loans, including 4 for which V Natixis was Sustainability Coordinator.

Financing and investment in sustainable mobility and cities

7.2.2.3

Natixis is a leading bank in the financing of environmental infrastructure (1) . In particular, it arranged the financing of a waste -to -energy plant project in Skelton Grange, near Leeds, England. The facility will be able to burn up to 410,000 tons of non-recyclable residual waste per year, and generate nearly 49 MWof energy, which will supply approximately 100,000 households with energy. Natixis acted as lead manager and hedging bank for the financing of the project.

2021 KEY EVENTS Structuring of Groupe BPCE’s first green RMBS For the Groupe BPCE, Natixis structured its first green nature of this transaction is based, on the one hand, on securitization transaction of €1.5 billion to finance Groupe BPCE’s commitment to finance the production low-energy housing. This Green RMBS (Residential of new home loans for the purchase or constructionof Mortgage-Backed Securities), in which the Banques low-consumptionhousing up to the level of the loans Populaires and the Caisses d’Epargne are stakeholders, sold, and on the other hand on the desire to involve is the first transactionof such an amount to be carried investors directly in our action on the transition of a out in this format by a French issuer. The innovative sector that emits high levels of GHG. Launch of the innovative Impact Hypotheken investment platform Natixisand CMIS Grouphave joined forces to launch the Green Bond Principles. The platform is specifically new Impact Hypotheken investment platform, suitable for financing Dutch low-energy residential targeting investors looking for sustainable assets. assets with a minimum energy rating of "A", or Impact Hypothekenenables pan-Europeaninvestors to borrowers whose residential properties have a lower access mortgage loans dedicated to the acquisition energy label and who are committed to improving the and/or renovationof Dutch residential real estate that energy performance of their property by at least 30%, meet the technical eligibility criteria defined by CMIS as or in order to achieve an “A” energy label or better. part of its Green FinancingFrameworkalignedwith the

Natixis ranks fourth in the world among MLA banks for financing renewable energy infrastructures (source: IJGlobal's Infrastructure and Project Finance League Table Report (1) 2021).

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2021