GROUPAMA / 2018 Registration document

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

GROUPAMA’S 2018 EXTRA-FINANCIAL 4.2 PERFORMANCE REVIEW

This part correspondsto section 8 ofthe management reportof the combined financialstatements forfiscal year 2018,auditedby the statutoryauditors. The social, societal, and environmentalinformationpublished in this review (1) covers all entities within the scope of the combined financial statements, namely the regional mutuals, subsidiaries, and national entities. This approach provides a significant overall assessment of the Groupama group’s progress in CSR (Corporate Social Responsibility) in terms of taking into account CSR issues and risks, the implemented actions, and their results. As summary of the elements of the Group’s CSR strategy are presented insection 4.1.above.

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4.2.1

CSR, AT THE HEART OF OUR BUSINESS LINES (PROTECTING PEOPLE AND PROPERTY) AND OUR WAY TO CARRY THEM OUT (OUR MUTUALIST MODEL)

A responsible dynamic since our 4.2.1.1 Group began Groupama’s sustainable development policy is rooted in its very identity as a mutual insurer originating in agriculture. The Group was created by farmers for their own needs and has been passed on from generation to generation for over 100 years. It was therefore constructed by its members for its members. Thanks to this background and the responsibility of its elected representatives and employees, Groupama is fundamentally a partnership that has always placed made people its core focus, with the commitment to support and meet the lifelong protection needs of peopleand property in a constantly changing world. Integrating the issues of sustainabledevelopment into its business activities and its relations with stakeholders is part of our daily commitment to responsible business. It is fully integrated into the insurance business – providing solutions in particular to the challenges of today’s society, such as demographictransition and accessibility of insurance, climate change and energy transition, and the digital revolution – but also beyond the core business by supporting civil society initiatives, helping to reduce vulnerability, and contributing to economic development.For all these reasons, Groupama is historically and intrinsically a socially responsible player. Our values and purpose 4.2.1.2 Our DNA of mutual principles and our way of carrying out our professions are based on values that correspond to the societal expectations of our time: proximity, responsibility, engagement, performance,and solidarity.We apply these values on a daily basis to serve our ongoing central purpose statedin 2018: We are here to allow as many people as possible build their lives confidently.To do this, we rely onhumane, caring, responsible communities.

This long-term purpose is shared with our elected representatives and employees, fuelling a collective dynamic that unites and motivates us. Groupama thus has an inclusive model, with a desire to build and take action to provide all responsible players with efficient, sustainablesolutions in keepingwith the original spirit of the mutual founded by entrepreneurial farmers. It requires civic mobilisation around the drive to take action to address risks and create confidence. Our ambition 4.2.1.3 Our values and purpose provide the general framework for our action. The Group has two major strategies to mobilise its energy and resources and to ensure the sustainability of our role as a responsible financial player: to cultivate our pioneering spirit, in particular to continue to innovate to allow our members and customers to build their lives confidently and to bolster our effective, sustainablemutualist model based on our values. CSR fully contributes to these strategies by reinforcing the commitment of our employees, by stimulating innovation and drivers of growth (responsible products and services, new markets, etc.), by reducing costs (logistics optimisation, recycling, reduction of consumables, etc.) and by strengthening the image and quality of the relationshipwith external and internal audiences, particularly in the regions. In addition, CSR makes a group-wide contribution to risk control in the Company’s major areas of business (commercial, HRmanagement, communication, etc.). All these factors are reflected in the Group’s strategic and operational plans, namely the five major projects identified in our Vision project: maintaining customer proximity, strengthening our distribution capacity, making Groupama even more of a brand of reference, optimising the effectiveness of our industrial model by adapting more quickly, and mobilising the Group’s players even more on performanceto serve ourcustomers.

A performancereviewvoluntarilydevelopedbasedon the “extra-financialperformancedeclaration”modelestablishedby the order on the publicationof non-financial (1) informationand its implementingdecree in Julyand August 2017respectively.

77 REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES