GROUPAMA / 2018 Registration document

2 THE GROUP’S BUSINESSES INSURANCE IN FRANCE

Construction 2.2.3.6 The Group’s activity in the constructionsector is driven primarily by multi-risk policies (non-life, civil liability, and ten-year civil liability) distributed via employeenetworks,agents, andbrokerage. Insurance for local authorities 2.2.3.7 As the leading insurer of local authorities and organisations, Groupama has a renewed insurance offering for public authorities. This new offering is a response to the new risks that local authorities mustface due to territorialreorganisation in France. The Group is rounding out its insurance offerings with prevention and advisory services adapted to the risks faced in today’s environment: road accident prevention thanks to the Centaure training centres, crisis management, prevention of climate-related risks, etc. In the area of climate-related risk prevention with local authorities,the rollout of the Groupama– Prédict service continued in 2018; this service sends out highly localised alerts on the Internet and by SMS in the event of a weather event or natural disaster, based on customised information provided up front. Given the interest presentedby Groupama-Prédict,Groupamahas taken steps to deploy this service for its other categories of customers as well(farming, individuals,professionals, etc.). The Group also continues to roll out the mayor’s “e-guide” and its Apple and Android apps that inform elected officials of local authorities of the risks and how best to control them and is gradually developing its service providing theft and vandalism prevention in public areas. Commercial insurance 2.2.3.8 In a continued difficult economic environment where pricing competitionis particularlyfierce, the Group has maintained its level of involvement with businesses. Beyond the agri-food sector, where Groupama remains the leading insurer, Groupama is strengthening its presence alongside SMEs and SMIs. They have access to a very comprehensive offering, including the “base” covers of casualty insurance, credit insurance, group insurance, employee savings, legal protection, as well as pensions and protection in case of unemployment of the business head. Groupama also intends to support its business customers in the face of the emergence of new risks to which they are exposed; in this context, Groupama has developed a Cyber Risk cover to protect and support companies that are victims of hacker attacks. Groupama is supplementing its various insurance offerings with a range of services designed to meet all the needs of companies, includingroad safety services, surveillance of premises, etc.

Creditinsurance (c) Groupama Assurance-Crédit & Caution is the Group credit insurance specialist. Its products are marketed by the regional mutuals, Gan Assurances agents and specialist brokers. Its premium income amounted to €41.6 million as of 31 December 2018. Groupama Assurance-Credit & Caution is also present on the market for sureties and financial, legal, and contractual guarantees throughthe same distribution networks. Agricultural insurance 2.2.3.4 Groupama, the leading insurer in the agricultural world, has an ever-increasing presence with farmers. Today, more than two thirds of farmers are not yet adequately protected against weather-relatedevents. The Group, armed with its OPA status and within the French agriculturecouncil (CAF), has chosen to adopt a pedagogical attitude towards farmers. Today, Groupama’s“CLIMATS”climate multi-risk insurance for harvests is one of the main tools for financially securing a farm in the event of climate-related claims impacting crops. The Group also launched its “Objectif stabilité” policy (revenue insurance), responding to the context of market deregulation and rising volatility in commodity prices. In addition, Groupama constantly adapts its risk prevention approach to respond to farmers’ issues. The aim is to support farmers in their daily lives in the developmentof their businessesby offering them services such as advisory visits to analyse the risks present on the farm or even personalised prevention plans. Groupama’s expertise is also reflected in the technical support of various activities such as methanisation, in particular through a partnership with the AAMF (Association des Agriculteurs méthaniseurs Français). Simultaneously, many initiatives for the agricultural world were carried out by the Group, such as the Exo.Expert solution developed by Groupama,where drones are used for crop damage appraisals. In 2018, Groupama also tested connected fodder probes with its members to prevent fire risks. All these initiatives to the benefit of our agricultural members, to help them to look after their farm, or to deliver them a better service demonstrates the commitmentof Groupamaas the leading insurer of the agricultural world inFrance. Professional insurance 2.2.3.5 This category includes micro-enterprises, very small businesses and heads of independent companies with very diverse profiles (craftsmen, retailers, self-employed professionals, and service providers).The Group, the number 3player on this market (source: CSA Research, PEPITES –  March 2018), has updated its comprehensive range of offerings and has diagnostic tools that enable risk analysis and advisory services that meet customers’ needs as closely as possible. The Group can offer all insurance solutions useful for professionals for both their business and their private life.

2.2.4

LIFE AND HEALTH INSURANCE

Groupama Assurances Mutuelles generated premium income of €4.5 billion in life and health insurance (57% of premium income generated inFrance) as of31 December 2018.

22 REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES