GROUPAMA / 2018 Registration document

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

The Groupcontinuedits commitmentto invest in the financingof the real economy, with nearly €1.8 billion committed for this as of the end of 2018. This programmeto supportthe real economyinvolves privateequityand loan funds,aimedat financingSMEsandmid-cap companies, mainly in France, as well as financing transport, energy/environment and telecom infrastructure and job-creating commercial property projects. Moreover, at the end of 2018, Groupama subscribedfor a little over €210 million in green bonds and startedinvestingin sustainablebonds(socialbonds). Strengthening our contribution to 4.2.2.7 the development of the territories and the progress of community organisations and associations Engaging employees, elected representatives, as well as our companies and their stakeholders in the territories and for civil society is a strong, long-standing commitment of Groupama. In addition to the impacts of our economic activity – through local employment, payment of benefits, tax contributions, etc. – the Group conducts multiple actions to support economic initiative in all its forms, academic partnerships, solidarity actions, and philanthropy. €43.7 million was paid to local authorities in the form of territorial economic distribution (CET) in 2017 (the amount for 2018 will be known inspring 2019). €11 billion in benefits were paid in 2018 (1) to our policyholders to allow them to protect theireconomic activityand their family life. The Group’s decentralisedstructure favours its territorial roots and contributes to the development of the regions. For employment, the Group and its companies regularly organise Jobmeetings throughout France (in 13 major French cities in 2018). 93% of candidates indicated they were satisfiedwith the after-work format chosen for the pasttwo years. After the issuance of first mutual certificates in 2015 by a regional mutual, similar operations followed for the other eight metropolitan mutuals. In particular, they strengthen the investment capacity of the mutuals in the regions. Mutual certificates totalled €541 million overall, including €104 million collected in 2018. The regional mutuals are reinsured by the national mutual, Groupama AssurancesMutuelles. Almost all of the Group’s companies engage in local actions/societal partnerships. Companies favour certain themes. Examples include entrepreneurship, disability initiatives, solidarity, culture and heritage, the environment, cinema,and prevention. The website groupama.fr launched the section www.lavraievie.groupama.fr as a true external showcase of the actions in the territories concretely promoting mutualism. More generally, and in addition to the actions for prevention mentioned in point 4.2.2.6 (c), the Group’s companiesare present on three major commitmentthemes associatedwith our local roots and relationships:

contribution to economic development and initiative in the ❯ territories; commitments around “Living together”; ❯ the fight against rare diseases. ❯ Economicdevelopment and initiatives (a) in the territories Significant events participationwith major partners in Niort Tech/FrenchAssurtech, ❯ which is launching anaccelerator dedicatedto insurtechs; deploymentof regional Pro awards to recognise innovative local ❯ initiatives; opening of the France-Romaniacultural season, sponsored by ❯ Groupama; a large number of participationsin Special Olympicsraces. ❯ Beyond a purely merchant or insurance-based approach, the Group’s entities develop partnerships in the field to facilitate, encourage, embrace the initiative and promote employment, and contribute to local economicdevelopment. This is possible and effective thanks to the Group’s local roots, with interactionbetweenplayers in the field, thus providingdetailed knowledgeof the needs: In agriculture, with full support in the field, thanks to the ❯ numerous local initiatives of mutualist elected representatives, for the entire business cycle of farmers: sponsorship and support for installation,training and information,managementof setbacks, participation in social progress initiatives (particularly related to health), promotion of agricultural trades (including partnerships with agricultural schools), etc. These actions are taken particularly in partnership with the Chambers of Agriculture (where Groupama is represented), professional associations and federations related to the sectors, the departmentalJA [young farmers] organisationsand the FDSEA. Groupama’s departmental federations are represented within departmental land authorities (DDTs) as well as land-planning and rural-developmentcompanies(Safer). Groupama also promotes direct distribution thanks in particular to digital with the creation in 2013 of a first local network to put individuals in contact with local members/entrepreneurs (Granvillage). In the field of VSE-SMEs– with assistancefor entrepreneursand ❯ support for regional employment, under the leadership of the Group’s companies and their commercial networks: as part of partnerships at the regional level with chartered accountants, CCIs, territorial CPMEs, chambers of trades, CAPEB networks; partnershipswith the structuresor networksthat help those who want to start or take over a business (Initiative France and “local initiativesplatforms”,RéseauEntreprendre,etc.). Academicpartnershipsor partnershipsrelated to the structuring ❯ of the territories. The regional mutuals have adopted the “territorial dynamics” plan set up with the partnership with CNAM, studies that may have a direct impact on territorial actions, or the strategic planning of renewal ofelectedrepresentatives on boards.

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Including€9.3 billionin France, combinedscope (France and International), excluding claims management costs (1)

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REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES