Natixis — Groupe BPCE — ESG Presentation (January 2026)
39 slides from Natixis's sustainability presentation, January 2026
Slide 1: ESG Investor Presentation
JANUARY 2026 ESG INVESTOR PRESENTATION
Slide 2: Summary
Summary 01 Groupe BPCE ESG Ambitions 02 Environmental Transition 03 Sustainable Bonds 04 Additional information
Slide 3: Groupe BPCE ESG Ambitions
01 GROUPE BPCE ESG AMBITIONS
Slide 4: Two Centuries of Positive Impact
TWO CENTURIES OF POSITIVE IMPACT The oldest French ... from century-old brands, in close contact to territories and the needs banking group... of both clients and society Creation of the first Caisse d'Epargne et de Prévoyance to promote, We are 200 years old 1818 collect, and manage the general pub
Slide 5: A Cooperative Banking and Insurance Group
A COOPERATIVE BANKING AND INSURANCE GROUP TWO COOPERATIVE BANKING NETWORKS owned by 9.6 million cooperative shareholders(1) 9.6 MILLION COOPERATIVE SHAREHOLDERS 14 Banques Populaires and 15 Caisses d'Epargne A decentralized business model 100% 100%(2) BPCE SA, the Group's central institution Defines
Slide 6: A large cooperative banking group with a leading market position
RETAIL BANKING AND INSURANCE A large cooperative banking group with a leading market position 14 5 million active customers No.1 bank for SMEs 21.2% of market share for customer loans (1) Created in 1878 ~2,900 branches No.2 bank for professional customers and individual entrepreneurs 21.9% ofandmar
Slide 7: A Governance Structure That Addresses ESG Issues at the Highest Management Level
A GOVERNANCE STRUCTURE THAT ADDRESSES ESG ISSUES AT THE HIGHEST MANAGEMENT LEVEL ESG ROADSHOW | January 2026 7
Slide 8: A Group with a Positive Impact
Expressing our cooperative values in all territories A GROUP WITH A POSITIVE IMPACT A positive global impact thanks to the power of local solutions accessible to all OUR COMMITMENT: MAKE POSITIVE IMPACT ACCESSIBLE TO ALL All clients All territories and all the society All employees and boards of Ind
Slide 9: A High-Performing Group
Forging our growth for the long term A HIGH-PERFORMING GROUP Cooperative performance to chart our growth over the long term A MOVEMENT UNDERWAY FOR 2026 Growth Corporate governance Profitability and long- Rapid decision-making in close contact to term perspective territories Net income (Group share)
Slide 10: Groupe BPCE Key Figures
GROUPE BPCE KEY FIGURES NET BANKING INCOME (1) CET 1 RATIO (3) A1 A+ negative stable €19.0bn 16.4% Financial MOODY’S S&P ratings COST TO INCOME RATIO (2) TLAC / SUBORDINATED MREL (4) Long term ratings (Senior Preferred) A+ A+ stable stable 65.9% 26.9% FITCH RATINGS R&I GROSS OPERATING LIQUIDITY RESE
Slide 11: Groupe BPCE, a Major Actor in the Environmental Transition
02 GROUPE BPCE, A MAJOR ACTOR IN THE ENVIRONMENTAL TRANSITION
Slide 12: Long-Standing Commitments
LONG-STANDING COMMITMENTS (3) (1) Certain affiliates of Natixis Investment Managers (Natixis IM) scope, BPCE Assurances joining the PRI in 2016 (2) Commitment made by Natixis in 2018, extended to include Groupe BPCE in 2024 (3) Natixis SA for CIB activities Active representation in think tanks Susta
Slide 13: Extra Financial Trajectory
EXTRA FINANCIAL TRAJECTORY GOALS FOR 2026 EXTENDING OUR IMPACT SOLUTIONS TO ALL OUR CLIENTS, IMPACT INSIDE BY ACCELERATING ACROSS ALL ESG DIMENSIONS A GROUP MOBILIZED TO DECARBONIZE THE ECONOMY BY MAKING IMPACT A GROUP WITH POSITIVE A TRANSFORMATION ACCESSIBLE TO ALL SOCIETAL IMPACT OF GROUPE BPCE A
Slide 14: A Group Committed to Make Positive Impact Accessible to All
A GROUP COMMITTED TO MAKE POSITIVE IMPACT ACCESSIBLE TO ALL Since its origin, Groupe BPCE has been rooted in a humanist aspiration: making people a core priority, giving everyone the means to save money and finance their projects, and playing a pioneering role in regional development. AN ACTOR IN TE
Slide 15: Transition Plan on Climate Change Mitigation
TRANSITION PLAN ON CLIMATE CHANGE MITIGATION ADAPTATION OF THE BUSINESS STRATEGY LEVERS TARGETS AND ACTION PLANS ➢ Quantitative, science-based decarbonization ➢ Supporting BtoC customers ➢ Support for individual customers with a targets for… • In renovation complete range of home energy renovation •
Slide 16: Publication of Net Zero Trajectories
PUBLICATION OF NET ZERO TRAJECTORIES ACTION PLANS TO REDUCE GREENHOUSE GAS EMISSIONS BPCE has developed decarbonization targets and action plans on the most emissions-intensive sectors of the economy. This global ESG approach: -fosters understanding of decarbonation levers -catalyzes efforts in the
Slide 17: ESG Policies Applicable to Groupe BPCE's Banking Activities
ESG POLICIES APPLICABLE TO GROUPE BPCE’S BANKING ACTIVITIES Oil & Gas Defence & Security Thermal Coal ➢ Groupe BPCE is committed to support its ➢ Groupe BPCE is committed to support the ➢ Groupe BPCE is committed to reduce its defense & security industry, particularly the financial exposure to therm
Slide 18: Biodiversity Strategy & Objectives
BIODIVERSITY STRATEGY & OBJECTIVES The Group's biodiversity strategy is guided by five key themes: integrating nature into its overall strategy, assessing interactions with nature, reducing pressures on natural ecosystems, mobilizing financial resources, and building organizational capacity. To fost
Slide 19: Sustainable Bonds at the Heart of Groupe BPCE's Funding Program
03 SUSTAINABLE BONDS AT THE HEART OF GROUPE BPCE’S FUNDING PROGRAM
Slide 20: Sustainable Funding: Innovation and Active Presence in Green and Social Bond Markets
SUSTAINABLE FUNDING: INNOVATION AND AN ACTIVE PRESENCE IN THE GREEN AND SOCIAL BOND MARKETS Extension of the ≥ 5 green & social An innovative issuer sustainable funding strategy 2030 issues/year No.1 European issuer of Sustainable Agriculture Bonds (Jan. 2022) Issuing Program No.1 French bank for a
Slide 21: Sustainable Development Funding Programme
SUSTAINABLE DEVELOPMENT FUNDING PROGRAMME Groupe BPCE acts as a regular issuer, fostering innovation in the sustainable bond market Groupe BPCE’s Sustainable Development Funding METHODOLOGY Programme Based on Green & Social Bond Principles, ensuring transparency and common understanding of concepts
Slide 22: Groupe BPCE's Funding Frameworks
GROUPE BPCE’S FUNDING FRAMEWORKS A detailed and precise framework to keep up with investors’ requirements, regulatory evolutions and market practices* HIGH STANDARDS SIMPLE APPROACH A Green Funding Framework & a Social Funding A format designed for investors: Two separated Funding Frameworks with Fr
Slide 23: Funding Program Aligned with Green & Social Bond Principles
SUSTAINABLE DEVELOPMENT FUNDING PROGRAM ALIGNED WITH GREEN & SOCIAL BOND PRINCIPLES Sustainable Development Funding Framework built on the four core components of the Green & Social Bond Principles (GBP/SBP) and committed to aligning with the EU taxonomy over time, on a best effort basis PROCESS for
Slide 24: Assets Allocation to Funding: Process in Three Steps
ASSETS ALLOCATION TO FUNDING: PROCESS IN THREE STEPS Since 2020, BPCE has settled within its IT Refinancing hub, an automatic and close monitoring for the green and social IDENTIFICATION ASSETS ALLOCATION REPORTING assets TO FUNDING of the green and social Allocation reporting assets processed in an
Slide 25: Innovation at the Heart of Groupe BPCE's Funding Policy
INNOVATION AT THE HEART OF GROUPE BPCE’S FUNDING POLICY €16.1bn BPCE ESG outstanding as of September 2025 GREEN & TRANSITION SOCIAL €10.2bn outstanding €5.9bn outstanding Renewable Energy Social Housing Energy Efficiency Local Economic development Green buildings Sport infrastructure & sport economy
Slide 26: Additional Information
04 ADDITIONAL INFORMATION
Slide 27: Green Weighting Factor
GREEN WEIGHTING FACTOR
Slide 28: A Pioneering System for Measuring the Climate Impact of Our Activities
A PIONEERING SYSTEM FOR MEASURING THE CLIMATE IMPACT OF OUR ACTIVITIES Climate impact assessment methodology Green Weighting Factor (GWF) Each funding operation is rated on a 7-step color scale ranging from brown to methodology green Internal capital allocation mechanism Scope: Corporate & Investmen
Slide 29: A Pioneering System for Measuring the Climate Impact of Our Activities
A PIONEERING SYSTEM FOR MEASURING THE CLIMATE IMPACT OF OUR ACTIVITIES DEDICATED PURPOSE FINANCING GENERAL PURPOSE FINANCING Objective Objective determine the “color” (rating) of each loan depending on the determine the “color” (rating) of each client depending on their environmental impact of the o
Slide 30: ESG Policies on Sensitive Sectors
ESG POLICIES ON SENSITIVE SECTORS
Slide 31: ESG Policy for the Oil & Gas Industry
ESG POLICY FOR THE OIL & GAS INDUSTRY ▪ Published in December 2023 Applicable to the following activities in the oil and gas ▪ Covers both conventional and unconventional resources industry value chain : ▪ Contributes to the Groupe BPCE's Net-Zero Banking Alliance (NZBA) commitment: ▪ Alignment of t
Slide 32: ESG Policy for the Thermal Coal Industry
ESG POLICY FOR THE THERMAL COAL INDUSTRY Applicable to the following activities in ▪ Published in May 2021, updated in March 2025 the coal industry value chain: ▪ Applicable to the thermal coal industry, the most carbon-intensive fossil fuel ▪ Commitment of Groupe BPCE to gradually reduce its exposu
Slide 33: ESG Policy for the Defense and Security Industry
ESG POLICY FOR THE DEFENSE AND SECURITY INDUSTRY ▪ Published in July 2025 (as an extension of Natixis CIB’s policy first published in 2017 and updated in 2020) ▪ Applicable to companies involved in the production, storage, trade etc. of ‘Defense and Security Equipment’ ▪ ‘Defense and Security Equipm
Slide 34: Green & Social Asset Categories
GREEN & SOCIAL ASSET CATEGORIES
Slide 35: Focus on Green Assets Categories: Green Building (1/2)
FOCUS ON GREEN ASSETS CATEGORIES - BONDS ALREADY ISSUED (1/2) Conscious of the real estate sector strong environmental impact, especially in terms of consumption of natural resources and of Rationale for climate change with 30% of global annual greenhouse gas emissions. Groupe BPCE has devised a ded
Slide 36: Focus on Green Assets Categories: Renewable Energy, Sustainable Agriculture (2/2)
FOCUS ON GREEN ASSETS CATEGORIES - BONDS ALREADY ISSUED (2/2) Rationale for Consistent with Groupe BPCE’s commitments to green growth, in terms of funding of the energy transition Issuance and of the development of renewable energies as stated within the Strategic Plan of Groupe BPCE Vision 2030. Lo
Slide 37: Focus on Social Assets Categories: Local Economic Development, Social Housing (1/2)
FOCUS ON SOCIAL ASSETS CATEGORIES - BONDS ALREADY ISSUED (1/2) Groupe BPCE, thanks to its mutual values and local presence across the French territories, is a major actor of the local economic development and the No. 1 Lender to the Social Economy. Rationale for Local Economic Development bonds supp
Slide 38: Focus on Social Assets Categories: Healthcare, Sport (2/2)
FOCUS ON SOCIAL ASSETS CATEGORIES - BONDS ALREADY ISSUED (2/2) Rationale for Healthcare bonds aim to enable access to healthcare and ensuring healthy lives and well-being is essential to sustainable Issuance development. Selected loans are financing (i) design, construction, extension, acquisition,
Slide 39: groupeBPCE.com
groupeBPCE.com groupeBPCE.com