NATIXIS - Universal registration document and financial report 2019

NON-FINANCIAL PERFORMANCE REPORT Managing environmental, social and governance risks

The safety and security of Natixis’ employees and service providers are of vital importance. In 2019, the Security Department at Natixis in Paris rolled out solutions for all its offices focused on two major aspects: early warning and self-assessment. early warning systems are essential to be able to anticipate and V respond quickly to risks and dangerous situations. To allow this, security managers can now access an early warning system on the internet that analyzes safety and security risks arising from geopolitical events; the self-assessment and compliance system used for the past V three years has been reviewed and rationalized. Its use was extended from France to all offices at the end of 2019. The international security roadmap has been approved by the Natixis Chief Operating Officer and will be presented to all offices in 2020 in order to establish priorities with the Heads of each office. For several years now, Natixis has addressed the human rights and environmental risks incurred by some of its financing activities, most notably by applying the Equator Principles for project financing or specific policies for sensitive sectors. In addition, the ESR Department is working with the business lines and the Compliance and Risk Departments to implement a solution to identify, assess, and monitor its corporate clients’ environmental, social and governance (ESG) risks. The new solution will be integrated with the client onboarding and loan approval processes and will be gradually rolled out across all regions in 2020 (see Chapter 6.4.1) . Whistleblowing system The whistleblowing system forms an integral part of Natixis’ Code of Conduct and is based on a company-wide policy which sets the minimum standard to be applied throughout Natixis group. In July 2018, Natixis S.A. published an updated version of its existing whistleblowing system to reflect the latest regulatory changes. The whistleblowing system is available to any person holding an employment contract with Natixis, as well as to employees of external service providers or subcontractors (see Chapter 6.2.5) . Managing risks in our financing activities

Indicators are used to monitor the roll-out of the duty of vigilance process for high and very high risk procurement categories: 31% of relevant procurement categories have been assessed; V 46% of relevant procurement categories are currently being V assessed; 100% of BPCE Procurement buyers responsible for these V procurement categories have received training.

Duty of vigilance in everyday operations

The environmental risks associated with Natixis’ operations are discounted as its business is not liable to generate serious adverse impacts on the environment. Furthermore, the bank already applies strict environmental regulations in Europe and the US, and has launched several initiatives to limit its impact on the environment (e.g. certified buildings, use of resources, waste management, eco-friendly business travel, etc.). Regarding the risks incurred by Natixis employees and service providers in terms of human rights, the decision was made to extend efforts in areas deemed most important in view of Natixis’ businesses: working conditions, prevention of discrimination, and personal safety. These issues are already strictly governed by a number of regulations in France (representing nearly 70 % of Natixis employees) including labor law, the personal and property safety policy, and the Professional Risk Assessment Document. A whole host of internal agreements have also been signed in France (relating to union law, collective bargaining, gender equality, the professional integration and retention of employees with disabilities, and quality of life at work). Internationally, the mapping carried out by the Natixis Human Resources Department shows that the working conditions of Natixis employees comply with local regulations or improve them, in particular in terms of working hours and dismissal conditions. With regard to salaries, beyond compliance with regulatory minima, each entity participates each year in a targeted salary survey on financial services in order to allow the various trades to adapt their remuneration policy and verify their competitiveness. In terms of social protection, the entities rely either on surveys conducted on a multi-year basis, or on the expertise of the brokers who intervene in the management of these programs to ensure that they are in line with standards of the financial services industry. Maternity leave is generally more favorable than regulatory provisions and Natixis is considering a minimum leave applicable regardless of the country.

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NATIXIS UNIVERSAL REGISTRATION DOCUMENT 2019