GROUPAMA / 2018 Registration document

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

2017

2018

2018 scope (%)

Indirect emissions – Scope 3 (TeqCO 2 )

Direct CO 2 Direct CO 2

emissions relatedto businesstravel in owned land vehicles

18,294.12

19,774.33

99.21

emissions relatedto businesstravel in owned land vehicles

per FTE

0.6383

0.6995

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

emissions relatedto businessair travel

1,909.90

2,335.58

99.21

emissions relatedto businessair travel per FTE

0.0669

0.0826

emissions relatedto businessair travel

153.65

180.8

99.21

emissions relatedto businessair travel per FTE

0.0053

0.0063

Totalindirect ghg_03 emissions

20,357.68

22,290.71

99.21

Totalindirect ghg_03 emissions per FTE

0.7106

0.7890

also developed, as part of the Renault Assurancespartnership, specific insuranceand a mobile app for Renault policyholdersof the newelectriccar Zoé (RenaultAssurancesConnectées).These policy holders can download the app for free and receive personalisedadvice on their driving, allowing them to save up to the equivalentof 36%of the annualpremium; Centaure’seco-drivingtraining: the eleven Centaure centres are ❯ an importantrelay for Groupama’spreventionactions as regards its members as well as businessesand the general public. They offer eco-driving modules among their range of post-licence training; the policy of repairing – instead of replacing – damaged auto ❯ parts allowed 33.2% of bumpers and shields to be repaired in 2018 (33% in 2017). This policy reduces our CO 2 emissionsand production ofwaste; in multi-risk home insurance, the offerings include cover for ❯ home equipment producing renewable energies as well as, for the last 10 years, an environmentally friendly “new for old” programme forhousehold appliances requiring replacement; for professionals,includingthose in agriculture,Groupamaoffers ❯ cover for activities involving the production of renewable energies and bioenergies, such as methanisation. In 2017, Groupama AssurancesMutuelles and the French association of biogas farmers signed a partnership agreement aimed at developing and sustaining the agricultural biogas sector. Groupama has been providing biogas production units since 2008. The recognised quality of its participants (underwriting and risk engineering) enables it to develop specific advice and monitoring to manage risks related to methanisation. In 2018, Groupama launched the first urban micromethanation unit insurance (in Bordeaux and Lille), thus promoting direct distribution. Note that the group’s joint venture in China (Groupama AVIC) provides 700,000 yaks for nomadic herders, who benefit from a system that helpscombat overgrazing.

SOURCE OF CO 2

EMISSIONS PER FTE IN 2018

0.3% Train

16% Gas

4% Plane

1.6% Fuel oil

40% Non-owned cars

13% Owned cars

0,2% Chilled water

23% Electricity

2% Heat

Climate change: offerings and investments Although there is currently no method for measuring emissions caused by the insurance offerings (products and services), it is worth mentioningfor this fiscal year a whole series of adapted and innovative insurance solutions offered by the Group that contributed to the fight against climate change or intended to mitigate its consequences for its members and customers. “ECO-FRIENDLY”PRODUCTSANDSERVICES:BY ENCOURAGINGNEWBEHAVIOURSOR FAVOURINGCERTAIN EQUIPMENT,THEOFFERINGSOF GROUPAMACOMPANIES CONTRIBUTETOTHE PRESERVATIONOF THE ENVIRONMENT ANDTHECLIMATE in motor insurance,productswith behaviour-basedpricing,which ❯ encourage safer driving and result in lower fuel consumption, continue to develop with the extension throughoutthe Group of the “Pay how you drive” principle through the Groupama On Board insuranceand application(for young drivers).Amaguizhas

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REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES