NATIXIS // 2021 Universal Registration Document

PROFILE

Key figures 2021 In 2021, Natixis posted a positive net income of €1,403m, up sharply thanks to amarked rebound in its business lines. These good results demonstrate the agility of its business model and the daily commitment of its teams to serving its customers. Through its results and sound financial position, Natixis demonstrates its ability to create sustainable value for all its stakeholders.

Natixis posted strong growth in net income thanks to a strong rebound in its business lines

Net income (GS) € 1,403 m

€ 8,9

CET 1 Basel 3 fully loaded 11.6 %

*

bn

Net banking income

* Net Banking Income (NBI) of the business lines including the contributions to NBI of the Insurance and Payments business lines, reclassified as “income from discontinued operations” in the consolidated financial statements at December 31, 2021.

Non-financial results

sustainable bond issues € 18.5 bn

Outstanding in assets under management SRI certified € 116.5 bn

Bank in the ranking of women N°1

in SBF 120 governing bodies

Financial results

2021

(in millions of euros) Net Banking Income Gross operating income

NATIXIS

2020 (1)

2019 (1) 8,485 2,369 2,745 1,897 72.1% 71.3% 11.1%

2018 9,616 2,793 2,661 1,577 71.0% 70.9%

2017 9,467 2,835 2,651 1,669 70.1% 68.9%

8,996 2,295 2,152 1,403 74.5% 73.3%

7,306 1,478

Pre-tax profit

579 101

NET INCOME (GROUP SHARE) REPORTED

Cost/income ratio reported Underlying cost/income ratio (2)

79.8% 77.3% (0.1)%

RoE reported

6.6% 8.5%

9.2% 9.4%

9.6% 9.9%

2.4%

7.8%

Underlying RoE (2)

RoTE reported

10.2% 11.1%

(0.1)%

14.3% 10.0%

11.8% 12.0%

11.9%

Underlying RoTE (2) 12.3% (1) The figures are restated following the announcement of the sale of a 29.5% stake in Coface, as communicated on April 20, 2020, published accounting data. (2) Excluding exceptional items. 3.0%

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2021