GROUPAMA / 2018 Registration document

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

Employee engagement [GroupstrategyKPI] (d) The Group Opinion Survey (BOG) is an action organisedevery two years in collaborationwith research company Ipsos. The 6 th edition of the Groupama group survey took place in spring 2018. The Group Opinion Survey consists in collecting the opinion of Group employeeson permanent contracts via an electronic questionnaire guaranteeinganonymityand complete confidentialityof responses. In 2018, 78% of them responded to the survey (+8 participation points), a very significantparticipationlevel. Reminder of theresults ofthe 6 th edition: the level of commitment of the Group’s employees stands at ❯ 76%, up 3points comparedwith 2016; 71% feel that they are learning and growing; ❯ 84% are satisfiedwith the content of theirwork; ❯ 89% do not hesitate to take on responsibilitieswhen they have ❯ the opportunityto do so; 79% work in goodconditions; ❯ Closer look at management/labour dialogue (e) In addition to the employee representative bodies within the entities making up the Group, the Groupamacorporatedialogue is organised at the top level through bodies that cover various scopes: European, group inFrance, UDSG, and UES. The European Works Council (EWC) receives information in ❯ order to exchange views and engage in dialogue about transnational issues. The EWC met twice in 2018. It covers a European scope representing 29,041 employees as of 31/12/2018 (-1.45% compared with 31/12/2017), but it should be noted that the English and Portuguese subsidiaries left the Group in 2018. In 2018, the EWC Board, made up of seven employee representatives amongthe members ofthe EWC,met twice. The Group Committee (CG), a body for dialogue and thought, ❯ receives information about the activity, financial position, 77% are satisfiedwith their work/lifebalance. ❯ The next edition ofthe surveyis scheduledfor 2020.

employment trends and forecasts and economic prospects of the Group for the coming year. It covers a scope in France representing24,555 employees as of 31 December2018 (-129 comparedwith 31 December2017), including 8,674 employees of the consolidated scope (+141 compared with 31 December 2017). In 2018, this body met four times on the following main topics: news and Group projects, presentation of the 2017 financial statements, and partnerships with Orange in connection with the OrangeBank businessand remote surveillance. The Group Corporate Dialogue Commission (CDSG), an ❯ offshoot of the Group Committee, is a body for negotiation at the Group level. Agreements negotiated and signed within this body are intended to be applied to all companies and employeesof the Group in France. The CDSG’s work led to the signing of an agreement on elective and trade union pathways to support the establishment of Social and Economic Committees (SEC) in theGroup’s companies. The Group Quality of Life at Work Committee (CQVT), created ❯ by the Group agreement relating to quality of life at work, a place for discussion and recommendations, continued the dialogue on quality of life at work and the actions undertaken within the Group andits companiesin France. The Groupama Social Development Unit (UDSG) is an ❯ association governed by the French law of 1901 that groups all the companies of the agricultural mutual insurance scope (Groupama SA, regional mutuals, Groupama Supports & Services, etc.), or 2,737 employees of the consolidated scope (-52 comparedwith 31 December 2017). The Economic and Social Unit (UES) covers Groupama ❯ AssurancesMutuelles (GAM), Gan Assurances, Groupama Gan Vie, Gan Prévoyance,Gan Patrimoine and Groupama Supports & Services and represents 6,996 employees at 31 December 2018 (+77 comparedwith 31 December 2017). Assessment of collective agreements: collective agreements ❯ were entered into in 2018 involving all companies of the consolidated scope(including in the Frenchcompanies). See table below.

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Topics covered by the collective agreements entered into in the Group companies (at the company, UDSG, UES, or Group level) Management/labour dialogue and employee representation

Management/labour dialogue (SEC, right toorganise, etc.)

Employment contract

Defined-purpose fixed-term contracts

Compensation and benefits

Compensation Profit-sharing incentivescheme Major protection Care costs

Employment/Training

StrategicWorkforce Planning

Workingconditions

Workingtime -Joint declarationat the Europeanlevel

Diversity/Equal opportunities

Disability Generation contract

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REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES