GROUPAMA / 2018 Registration document

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

The topicsof these agreements concern: For the Group: ❯

informationon the General Data ProtectionRegulation(GDPR) ■ and its HR aspects, information onwithholdingtax, ■ informationon the new rules for calculating the social security ■ ceiling, information onthe electronicmanagement of HRdocuments, ■ information on how to monitor the activity of employees ■ based on thenumber ofdays worked, information on the 2017 UES Consolidated Labour ■ Assessment, presentation of the summary of the appraisal reports on the ■ 2017 economic and financial situation of the UES entities and the appraiser’s reports on the strategic guidelines of the UES entities, information onthe deploymentof the Inwebosolution, ■ assessmentsof agreementsin progress (professionalequality, ■ etc.). The UES also includes a Central Trade Union Delegation: a body for collective negotiation at the UES level, within which compensation is negotiated and the following agreements were entered intoin 2018: renewalof the agreementon employment,integration,training, ■ and job retention for employeeswith disabilities or supporting a family member affected by diseaseor disability, a management/labour dialogueagreementallowingthe Macron ■ reforms tobe implemented in all companies of the UES, a 2019 compensation agreement. ■ Acting as a responsible, long-term 4.2.2.6 partner of our members and customers Backedby its purpose,the Group developsofferings(productsand services) in response to major societal issues: mobility, entrepreneurship, retirement, health, assistance, long-term care, adaptation to climate change, and the development of digital everywhere. Incorporatingstrong social and environmentaladded value into the offerings is a challenge for the future. Today, it is committedto goingfurtherin takingenvironmental, socialandsocietal factorsinto accountin constructing insuranceofferings,its prevention actions and asset managementas well as by adoptingresponsible behaviourin itsrelationswith itscustomers andprospects. During 2018, two major surveys were conductedby Groupama to capture themost relevant societal developments: Retirementsurvey (April 2018) ❯ On the eve of a new reform of our pension system, aiming to unify the 37 existing plans, Groupama wanted to consult the two generations most impacted by the transformation of our model. The pivot generation (45-55 years old) and generation Y (25-35 years old) are thus marking a break with those who came before them, moving from a “deserved”retirement as the culminationof a career to a retirement that must now be “anticipated”, the financing of which our institutions no longer feel they can guarantee withconfidence. 57% of “pivots” do not have a plan for their retirement, and nearly 40% have a negative perception, which would perhaps explain why they have not really looked at it yet. This means that 1 in 2

the Group agreement of February 2011 on Quality of Life at ■ Work was supplemented by a second addendum dated 15 December2017, which aims to incorporateprovisionsand measures on the right to disconnect for each employee, to ensure a balance between time devoted to professional life and private life. The social partners in the European Works Council supplementedthe previous joint declaration (of 2012) to take better account of the digital transformation, change management, andthe need to maintaina work/lifebalance. For the UDSG: ❯ Major insurance: amendment of 26 June 2018 on the choice ■ of protectioninsurance institution. The amendment of 26 June 2018 extends the choice of CCPMA Prévoyance for an additional period of three years (2019, 2020, and 2021) to cover risks of temporary and permanent occupational disability, death, and funeral expenses. Disability: amendment of 16 July 2018 extending the ■ 2016-2018 actionplan by one year. The amendment of 16 July 2018 renews for a maximum of one year, until 31 December 2019, all the measures contained in the most recent three-year action plan for 2016-2018, pending full visibility on the measures that will be adopted to promote employment of people with disabilities, both by the “law for the freedomto choose one’s professional future” and at the Group level, and to be able to consider their practical consequences on the next UDSGaction plan. Trade union representation:agreementof 16 October2018. ■ The agreement of 16 October 2018 modifies the rules for determining the representativeness of UDSG trade union organisations at the national level, now with an assessment on the basisof a completeelectoralcycle. For the UES: ❯ The UES Central Works Council (CWC) exercises economic powers relating to the general operation of the Company and exceeding the limits of the powers of establishment heads. It is informed and/or consulted periodically on projects affecting economic or legal organisation or economic and financial projects concerningthe UES. In 2018, it examinedthe following points: the appointmentby the BCAC SteeringCommitteeof the new ■ Health/Protection management delegate of the Insurance segment, 2018 Group opinion survey, ■ the extension of Groupama Campus with a new “WP6” ■ building, the review of Groupama Campus prevention plans, video surveillance,etc., presentationof the Group’s 2017annual financial statements, ■ information/consultationson planned staff transfers between ■ UES establishments, information on the 2017 financial and economic situation of ■ Groupama Gan Vie and its networks,

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REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES