GROUPAMA / 2018 Registration document

CORPORATE SOCIAL RESPONSIBILITY (CSR) GROUPAMA’S 2018 EXTRA-FINANCIAL PERFORMANCE REVIEW

The Group is continuing to work towards paperless communication with customers ( via customer pages on the website, emails, electronic document management – the EDM programme initiated in 2009 – paperless communicationwith local authorities, etc.) for long-term reduction of the physical sending of documents. Office paper consumption is 27 kg/FTE, down 16.9%/FTE compared with 2017. Total “marketing and technical” paper consumption decreased by 26.9% in 2018/2017. Mass mailing paper consumption was down compared with 2017 (-11.4%/FTE). The sharp decrease seen in the use of marketing and technical documents is explained in particular by the implementation of “print on demand” by Groupama Supports & Services to better manage the printed quantities, but also by using lighter-weight paper for certain entities (Gan Assurances and Groupama Centre-Atlantique). Office and “marketing and technical” paper consumption has decreased by64.2% since 2011, adecreaseof 57.3% perFTE. Continued deployment of the “pull printing” local mailing solution, which has already contributed to a decrease of 4.3 million pages between 2017and 2018. Making building plans electronic (agricultural,for insurance files, or for property assets like Expertissimo)– on a tablet – not only limits the use of paper but also saves time in reporting a claim as well as easier, more secure archiving of data. A “zero inventory” system has been established for certain documents: only the quantities ordered bythe entities are printed.

Started in 2017 and continued in the first half of 2018, the “Happy Cleanings” operations carried out by the companies moving to Nanterre mobilised the employees to collect and recycle 163 tons of paper (1) . In addition, furniture and supplies have also been donated to charitiesfor reuseand recovery. Groupama Immobilier is also a founding member of the Circolab charity alongsideother insurers. The members of Circolab (2) would like to forma communityof committedpublic andprivate players in the circular economy within the real estate industry to encourage synergies, involved the various stakeholders, and prompts changes to regulations. Groupama Immobilier has become involved with working groups thanks to its pilot anddemonstration projects. The profession is in the process of organising itself to bring about changes to regulations to promote the reuse of materials in construction,based on circular economy models. Fight against food waste The Group’s entities themselves do not handle food services for employees (subcontracted corporate catering or restaurant vouchers). However, the Group’s companiesput in place action to combat food waste, such as a poster campaign within the Company restaurant, awareness-raising events on the subject during the EuropeanSustainableDevelopment Week, etc.

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Sustainable use of resources (3) PAPERCONSUMPTION

TheGroup’soverallpaperconsumptionwentdownby 20%(to 2,061 tonnes,-18.9%/FTE).The largestareaof paperconsumption is made up of local mailing (37%), followedby “reprographics/marketing and technical” documents (35%) andmassmailing(28%).

Details of the different types of paper consumption: ı

2017

2018

2018 scope (%)

Consumption of office paper (tonnes)

931.74

763.78

99.21

Consumption of office paper per person (kg/FTE)

30.36

27.02

Consumption of marketing andtechnicaldocuments

984.78

719.41

(tonnes)

99.21

Consumption of marketing andtechnicaldocumentsperperson (kg/FTE)

34.36

25.45

Consumption of mass publishing (tonnes)

661.58

578.18

99.21

Consumption of mass publishing per person (kg/FTE)

23.09

20.45

Source:G2S, final results as of June 2018. (1) http://circolab.eu/ (2) Since 1 January2017,G2S no longermanagestrain and plane ticket orders for businesstravel or office paperorders for other groupentities.As a result,each entity (3) has taken over its ownmanagement.

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REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES