GROUPAMA / 2018 Registration document

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

Business travel increased in 2018 (+12% per FTE). Travel by train and plane increased exceptionally between 2017 and 2018 (mileage increased by 22.1% by plane and 20.1% by train in 2018). This increase should be put into perspective, given that travel by car still accountsfor the largest share of total mileage (76%, comparedwith 13% for train and 11% for plane). Car travel also increased significantly between 2017 and 2018, which is explainedby a greater amount of sales travel, which is a good sign intrinsically (+9%per FTE in 2018, after +2.65% in2017). For reasons of security, costs, and reducing its environmental footprint, the Group regularly encourages its employees to travel less when possible, raises their awareness on the use of video conferencing to reduce travel, and urges them to use “clean” or “green” means oftransport. In 2018, some of the Group’s companies began implementing “company travel plans” to optimise employee mobility and reduce the use of privatecars. With regard to fleets (around 5,000 vehicles, mainly in diesel), they are renewed every two years and therefore contain the models

with the lowest fuel consumption and emissions. A few electric vehicleswere introducedon an experimentalbasis into the fleets of certain companies (regional mutuals, G2S, Mutuaide, etc.). The introduction of petrol models and the use of on-board telematics are under consideration. At this stage, Groupama favours small, low-emission diesel engines. Its average CO 2 emissions are less than 90 g/km acrossthe entire fleet. -eq) per FTE – the Group total having increased by 4.5% to 48,340 t CO 2 -eq. (Details according to the three GHG Protocol scopes inthe tables below). The increases in consumption and travel are not proportional to the increase in CO 2 emissions, given that the most significant reductions are made internationally where the CO 2 emission factors are highest. CO 2 emissions related to our operations Total CO 2 emissions per person (FTE) increased in 2018, (+6.3% compared with 2017) to 1.72 tonnes of CO 2 equivalent (tCO 2

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CO 2 emissions for the 2018 reporting period according to the three scopes defined ı by the GHG Protocol and according to the operational control consolidation method

2017

2018

2018 scope (%)

Direct emissions – Scope 1 (TeqCO 2 )

Direct CO 2 Direct CO 2 Direct CO 2 Di rectCO 2 Direct CO 2 Direct CO 2

emissions relatedto gas boilers

7,456

7,570.74

99.21

emissions relatedto gas boilers per FTE

0.2620

0.2678

emissions relatedto gas boilers

770.93

679.86

99.21

emissions relatedto gas boilers per FTE

0.0268

0.0240

emissions relatedto businesstravel in owned land vehicles

6,026.69

6,444.44

99.21

emissions relatedto businesstravel in owned land vehicles

per FTE

0.2118

0.2279

Totaldirect ghg_01 emissions

14,253.63

14,695.03

99.21

Totaldirect ghg_01 emissions per FTE

0.5007

0.5198

2017

2018

2018 scope (%)

Indirect emissions – Scope 2 (TeqCO 2 )

Direct CO 2 Direct CO 2 Direct CO 2 Direct CO 2 Direct CO 2 Direct CO 2

emissions relatedto electricityconsumption

10,404.55

9,600.10

99.19

emissions relatedto electricityconsumption per FTE

0.3647

0.3487

emissions relatedto heat consumption

1,095.78

1,580.40

99.19

emissions relatedto heat consumption per FTE

0.0382

0.0571

emissions relatedto chilled water consumption

138.43

174.26

99.19

emissions relatedto chilled water consumption per FTE

0.0048

0.0062

Totalindirect ghg_02 emissions

11,638.77

11,354.77

99.19

Totalindirect ghg_02 emissions per FTE

0.4077

0.4120

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REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES