GROUPAMA / 2018 Registration document

THE GROUP’S BUSINESSES INSURANCE IN FRANCE

Groupama AssurancesMutuelles generated €7.9 billion in insurance premium income in France during 2018. The table below shows the change inGroupama’sranking in France, 9 th -largest French multi-lineinsurer in 2018:

French ranking (1)

2018

2017

Insurance

9

9

2

P&C

3

3

L&H

3

13

Source: L’Argus de l’Assurance – December 2018 and December 2017. (1)

Services 2.2.3.3 Assistance, remotesurveillance, (a) remotealarms

2.2.3

PROPERTY AND CASUALTY

INSURANCE

GroupamaAssurancesMutuellesgenerated€3.4 billionin premium income in property and casualty insurance in France (43% of premium income generated in France) as of 31 December 2018. Motor 2.2.3.1 The Group holds 4 th  place on the French market in terms of number of policies (source: L’Argus de l’Assurance – October 2018) and insures more than 3,800,000 passenger vehicles (1) (excluding fleets) atthe endof 2018. The Group offers a complete, innovative range of products and services at competitive prices responding to the major trends in consumptionand including an original value-addedservice offering with the CapsAuto network of repairers as well as a unique prevention offering via the Centaure driving training centres, for policyholdersand their children,also available to all drivers. Behavioural insurance, connected car, (semi) autonomousvehicle, and management of connected objects (telematics unit, for example)are all topics where Groupamahas establisheda position to offer its customers solutions in line with their needs and the changes in themotor insurance sector. Multi-risk home 2.2.3.2 Groupama is ranked second on this market in France (source: L’Argus de l’Assurance, October 2018), insuring more than 3.5 million homes (1) as of 31 December 2018. The premium income growth in 2018 is explained particularly by the gradual improvement of overall competitive pricing on the individual insurance market. The Group also continues to benefit from its development in new fields: improvement of the urban network, development of the offering at Amaguiz.com,and rollout of the distribution partnership withLa Banque Postale. In its new multi-risk home insurance offering, the Group includes insurance for mobile devices. This option, offered to households wishing to protect themselves for all their mobile devices (phones and digital devices), covers the repair or replacement of mobile devices. Groupama thus permits better control of the insurance budget with a single policy to cover all the mobile devices of a household.

Offered by Mutuaide Assistance, which has operations in all assistance business lines (car breakdown assistance, medical repatriation, travel insurance, home care), this business places the Group in sixth position on this market in France (source: L’Argus de l’Assurance – April 2018). Groupama has recognised expertise on the business lines of remote surveillance of property and remote assistance of individuals through the subsidiaries Cofintex 6, TéléSécurité Loire Bretagne, Sécurité Ouest Services for Centre-Manche,and Spara for the Auvergne Rhône-Alpes region. At the end of December 2018,a new joint entity for the production and management of these activities was created in partnership with the Orange Group: Protectline, 51% owned by Orange and 49% owned byGroupama. More than 50,000 customers trust the Group for the security of their private or professional property, and the Group has nearly 10,000 subscribers for individual protection, thanks to innovative, simple, accessibleplans. Legal Protection (b) Groupama is the second-largest player in France (source: FFA, 2017) in the legal protection market, with insurance cover managed by the regional mutuals and Société Française de Protection Juridique (SFPJ). With this cover, Groupama provides support to policyholders, whether individual or professional, who face situations of conflict, by helping them to assert their claims and assuming the corresponding expenses. SFPJ’s operating performance is based on the satisfaction of its customers, managed by its ISO 9001 certification since 1998, and a continuous improvementapproachto customersatisfaction. In 2018, SFPJ launched a new innovative Professional Legal Protectionoffering dedicated to building tradesmen to supplement their compulsory insurance.

Numberof policies insureddirectly or indirectly (throughthe reinsuranceagreement). (1)

21 REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES