GROUPAMA / 2018 Registration document

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

Our value creation (e) Groupama is a profitable group, with net income for 2018 of €450 million and an operating income of €298 million and a combined ratio of 99.3%. The Group knows how to produce lasting results and is appreciated as such by investors and reinsurers.The Group has a financial rating of A, and its profitability is the guarantee of the Group’s sustainable development. The Group’s solvency ratio is297%. The Group pays aterritorial economiccontribution of €43.7 million. During its development, it has created a diversified portfolio – originally agricultural – of 6.5 million members and customers in France and 5.5 million international customers, for a total of 12 million, to whom we provide solutionsto meet their needs. Groupama is a leader in key markets (in France, number 1 agricultural and local authority insurer, number 1 individual health insurer, number 2 in home insurance, number 3 in protection insurance, and number 4 in motor insurance), which gives it legitimacy in seeking solutions to collective needs associated with major societal changes. Groupama is one of the major players in Turkey, China, Hungary, andRomania.

In 2018, €11 billion was paid in benefits, allowing policyholders to continuetheir businessor maintain theirstandardof living. Nearly 14,000 prevention missions are carried out each year, and €5.6 million isdonated to philanthropiccauses. A large employer in the territories (25,000 in France 7,000 internationally): €1 billion in wages have been paid to employees, and more than 90%are trained each year. Employees with a high level of engagement, measured by the Group opinion survey, at 76% (1) in 2018 (+3 points comparedwith 2016), a reflection of theirsupport, involvement, and loyalty. An investor that finances economic development, including €24 billion invested according to ESG criteria by (2) Groupama Asset Management. A satisfactory environmental balance sheet: in its operations, the Group has reduced its CO 2 emissionsby 7.1% since 2013; volume of CO 2 stored by Groupama forests:10 million tonnes in 2018 and 39,658 tonnes of emissionsavoided through the use of sold wood. At the end of 2018, the Group confirmed its policy of withdrawing from “coal” industries and fossil fuels and intends to make €1 billion in new investments over three years in financing the energy transition.

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Measured bythe biannualGroupOpinionSurvey. (1) Environmental, social, and governancecriteria. (2)

79 REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES