GROUPAMA / 2018 Registration document

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

The rise of the collaborative economy and digital The Group is a stakeholderin the rise of this economicand societal evolution. For example, Groupama is the insurer of equipment rented on the WeFarmUp agricultural platform (more than 1,000 shared machines). It is involved in the insurance for lenders on crowdlendingplatforms (Pretup, Finsquare) and participates in the risk analysis of projects presented on the Lendix platform (Gan Assurances partnership). In Bulgaria, the Group’s subsidiary has been the insurer of CarAmigo, a website for car rental between individuals, forthree years. Groupama has been offering its policyholderspersonalisedadvice since 2018 from Papyhappy, a website listing residences for seniors. In addition, taking advantage of the potential of digital technology, Groupama is one of the two member insurers of the FinTech Forum (this forum for monitoring,dialogue, and proposals bringing together innovative companies, public authorities, and supervisory authorities provides a better understanding the challenges associated with the development of innovations in terms of opportunitiesand potential risks) and participates in the Labchain, the 1 st European consortium dedicated to studies on the possibilities of Blockchain. Since September 2017, Groupama has participated (the only insurance/finance partner) in a world-renowned “startup accelerator” programme, Techstars. Groupama wishes to further strengthen its proximity to the French innovation ecosystem and thus contribute to its influence. Ten Group mentors help identify and support potential partnerships. In doing so, the Group will be able to test new disruptive digital solutions and later use them to serve its customers. Groupama entities are partners in startup incubators, such as French Assurtech in Niort, to work in partnershipon new solutions, such as remote rapidappraisal(Fotonower). Internally, Groupama launched a “Pocaimon” competition in 2018 to enhance the artificial intelligence skills of the Group’s French and international entities. Responsible assetmanagement (e) During the first half of 2018, for the second time, the Group produced a report relating to Article 173 of the French energy transition law, presenting how the Group incorporates Environmental,Social/Societal,and Governancecriteria as climate risks across all asset classes into the investment strategy and therefore its contribution to thefinancingof the energy transition. The update on the announcement made by Groupama on 3 December 2018 of the withdrawal from coal and fossil energy industries in the investment policy is set out in section 2.8. Acting for the environment.

In 2018, Groupama became a partner of La Ferme Digitale (a gathering of innovative startups) to make the best use of the possibilities offered bynew technologies. At the same time, the development of Exo.experts, specialising in appraisals by drone – allowing them to be faster and more precise – of climate variations on crops, makes the inaccessible visible bycapturing aerial imagesof disasters. In addition, since 2018, Groupama has been testing Météus weather stations designed to collect data to work on new forms of index insurance. As the number 1 property damage insurer of local authorities in France, Groupama is a major player in territoriality and also covers the entire spectrum of their needs (insurance for elected officials, municipal staff, facilities, etc.). Taking into account the recent territorial reform, Groupama has completely revamped its insurance offering for local authorities to respond to the profound changes in theterritorial organisationand the resulting new needs. In connection with the Salon des Maires in 2018, Groupama signed a partnershipwith Associationdes Petites Villes de France, which will be able to rely on the Group’s expertise. The Groupama Predict service and the Territories platform (advice to mayors) are mentioned inthe Prevention section above. The Group also continued its role as contributor of protection for entrepreneurs (unemployment insurance for corporate Directors, insurance for business creators, new protection insurance for professionals, etc.) and the durability of their company and the revenue produced. Groupama is one of the players offering the most solutions, covering all needs and positions, with comprehensiveadvice, proximity, and the possibility of immediate insurance. For emerging risks, the roll-out of the cyber-risk offering (initially a Gan Assurancesoffering) continued in 2018. A “white paper” guide highlighted the under-protection of VSE-SMEs against cyber-attacks. For professionals,the following effortsare noteworthy: stronger support (taking advantage of the common local roots, ❯ etc.) for local businesses, including hotels/restaurants,building tradesmen, etc. (low-cost Group insurance solutions for businesses, ten-year insurance covering all minor works,etc.); streamlining of professional multi-risk offerings, taking into ❯ account changes in uses and activities ( e.g. for auto professionals,cover for electric charging stations, insurance for joint garages, etc.); new customer area for professionals (health and protection ❯ focus). All-new offering and advice content has been visible since 2018. Sustainability of economic players and needs of local authorities

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93 REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES