NATIXIS - Universal registration document and financial report 2019

ESR

Committed to sustainable finance

Taking action against climate change

Natixis pursues a proactive policy to reduce the impact of its activity on the environment, by integrating the risks linked to climate change, pollution, loss of biodiversity or the increasing scarcity of resources. To comply with the scenario of limiting global warming to 2 °C, Natixis leads its financing and investments towards a low carbon economy.

V Renewable energy: €2.1 bn arranged in 2019. V Green Bonds: €15.1 bn arranged in 2019. V Sustainable real estate: €490m financings with certification QPǾCUUGV KP V Natural capital: €300m managed byMirova. FINANCING THE ENERGY TRANSITION

ENVIRONMENTAL RISK MANAGEMENT

V Signatory of the Equator Principles since 2010. V Exclusion policy: selection and exclusion NKPMGFǾVQǾGPXKTQPOGPVCN TKUMU .QYGTKPI of the Coal Policy threshold to 25%. V Environmental and social screening tool of our clients.

NATIXIS main actions for environment preservation

DECARBONIZING OUR PORTFOLIOS

REDUCING OUR DIRECT CARBON FOOTPRINT

V Measurement of the portfolio’s carbon footprint and alignment of portfolios with the 2 °C scenario. V Evaluation of the trajectory of all Mirova’s portfolios at 1,5 °C. V Implementation of the 2 °C alignment QHǾ0CVKZKU #UUWTCPEGUŦ RQTVHQNKQU D[Ǿ

V Environmental certification QHǾDWKNFKPIU V Signature of the Paris %NKOCVGǾ#EVKQP CITGGOGPV V 30% reduction in energy consumption since 2010.

SHAREHOLDER ENGAGEMENT

V Integration of climate issues CPFǾGPGTI[ RGTHQTOCPEG KPǾUJCTGJQNFGT FKCNQI

Innovation: Natixis is decarbonizing its balance sheet with the Green Weighting Factor In 2019, Natixis was the first bank to manage the climate impact of its balance sheet using the Green Weighting Factor. This internal capital allocation model adjusts the return on each credit facility according to its impact on the climate. This rating system influences individual decision- OCMKPI QP VTCPUCEVKQPU CPF GPEQWTCIGU VGCOU VQ HCXQT ITGGP ƒPCPEKPI solutions for an equivalent level of credit risk.

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2019