NATIXIS // 2021 Universal Registration Document

Business lines

Business lines' Net B anking Income (4) (in €m)

Pre-tax profit by business line (5) (in €m)

R OE (1) after tax by business line (in %)

2,590

8,904

456 57

489 964

12.7 %

7,201

904 430

3,800

1,017

1,026

3,096

398 46

5.0 %

1,061

3,651

2,770

725

-143

31/12/21

31/12/21

31/12/21

31/12/20 (3)

31/12/20 (3)

31/12/20 (3)

Corporate & Investment Banking

A WM (2)

P ayments

I nsurance

(1) Reported figures including non-recurring items. Excluding non-recurring items, RoE 2020 of 6.0%, ROE 2021 of 13.6%. (2) Asset & Wealth Management. (3) Proforma of the new analytical standards applied in 2021. (4) Net Banking Income (NBI) generated by the main 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. (5) Pre-tax profit of the business lines including the contributions to the EBITDA of the Insurance and Payments business lines, reclassified as “income from discontinued operations” in the consolidated financial statements at December 31, 2021.

Common Equity Tier 1 ratio Basel 3 (phased) (%) Financial structure

RWA Basel 3 (phased) (in €bn)

Balances sheet total (in €bn)

11.6 %

11.6%

568.6

11.3% (1)

108.3

109.2

10.9 %

105.0

513.2 (2)

501.1 (3)

495.5

98.9

31/12/21

31/12/21

31/12/21

31/12/18 31/12/19

31/12/20

31/12/18

31/12/19

31/12/20

31/12/19 31/12/18

31/12/20

(1) In accordance with the ECB's recommendations, the 2019 dividend was reintegrated into Natixis' capital - see the press release of March 31, 2020. (2) Restated. (3) Amounts restated in relation to the financial statements at December 31, 2020 (see note 5.4 of chapter 5.1).

Extra-financial ratings Natixis’ main ESR ratings

Long- and short-term rating (Situation on February 28, 2022)

A- A

2016 2017 2018 2019

B

AAA

AAA

0 10 20 30 40 50 60 70 80 90 100

Natixis gradually im ESG ratings…

61/ 100

Standard & Poor’s Moody’s

Fitch Ratings

59/ 100

59/ 100

80

72

Long-term rating

59

A1

A

A+

55

…To become one o sector’s leader con focus on sustainab

C+/prime

C/prime

2019 ESR rating 2020 ESR rating 2021 ESR rating

Short-term rating

A-1 P-1 F1

Carbon Disclosure Project (CDP)

Perspective stable

Stable Negative

* Since 2020, Natixis has completed the Carbon Disclosure Project (CDP) questionnaire with its parent company BPCE.

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2021