GROUPAMA / 2018 Registration document

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

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Review of support

Review of actions taken at the group level

2017

2018

Number of patient associations supported

87

81

Number of supported projects (including those supported through the“Baladessolidaires”) Number of sponsored researchers (excludingco-participation in philanthropy withregionalmutuals)

111

86*

5

3

Amount allocated for thefightagainstrare diseases by Groupama Assurances Mutuelles

€386,225

€386,225

*

excluding research projects

These amounts do not take into account the salaries of Groupama Foundation employees. The Foundation benefits from support from the regional mutuals, allowing it to reinforce its commitment to the fight against rare diseases. In addition, the Group’s companies mobilise in support of other “rare disease” institutions or associations, such as Petits Princes. The Group’s commitment (on the combined scope) in the fight against rarediseases totalled €488,367 in2018. Local purchases (d) The proportionof purchasesfrom local companies is also a strong indicator of the contributionof the Group and its companiesto the economic andsocial fabric of theregions. This proportion, measured by the amount of purchases from VSE-SMEs in relation to the Group’s total purchases, was 36% in 2017 (1) (France); this figure excludes insurance purchases, i.e. excluding the purchase of services from repairmen, craftsmen, etc., which also contribute very strongly to the economic and social fabric of the territories. This contribution is included in the amount of benefits paid indicated in the introduction to section 2.7., including €4.5 billion for property and casualty insurance asof 31.12.2018 (excluding management fees).

investing and is now gradually withdrawing from any company whose revenue or energy production mix is more than 30% based on coal or for which oil sands represent more than 15% of total reserves. In addition, the Group intends to invest €1 billion overthree years in financing theenergy transition; Groupama Immobilier, the first property management company ❯ certified ISO 14001 for the management company and all the managedassets; CO 2 stored by Groupama forests:more than 10 million tonnes; ❯ the work at the Valnes site (Groupama Loire Bretagne) was ❯ completed at the end of 2018 and is expected to save nearly 36,000 kW/hstarting in 2019. By relocating their headquarters,Groupama Emeklilik (Turkey) and Sigorta (Romania) drastically reduced their electricity consumption from 1,346,910 kWh in 2017 to 770,561 kWh in 2018 (43% decrease). General environmental policy (a) Aware of its responsibility in terms of indirector direct impacts: the Group has developed incentives with regard to the ❯ environment with its customers and suppliers for several years, through its insurance offerings, its prevention and awareness actions, its SRI products,and its purchase contracts; furthermore, we are convinced that we can also improve our ❯ direct impacts particularly by reducing our CO 2 emissions, our paper consumption,etc. We are therefore continuingour efforts to achieve thegoals that we haveset in this area. By virtue of our insurance business, the direct impacts of companies of the Group on the environment are limited: our businesses do not constitute threats to biodiversity, water or soil use. However, we have developed a policy to reduce our consumption (paper, water, energy) and our CO 2 emissions, motivated at the Group level by the CSR Department, in collaboration with Groupama Supports & Services (G2S). In addition to these in-house commitmentsand informingemployees, the Group is aware of the role it can play in raising awareness about the protection of the environment, among its various stakeholders andparticularlyamong its members andcustomers.

4

Taking action to preserve 4.2.2.8 the environment Significant events

reduction of paper consumption thanks to a general goal of ❯ making mass publications electronic (-12.7%), reducing unnecessary printing (-16.4%), and reducing the distribution of marketing materials(-20.3%); final assessment of Happy Cleaning’s operations (June 2018): ❯ 163 tonnesof wastecollected andrecycled; Groupama insurance solution for the BioBeeBox prototype, an ❯ urbanmicromethanation unit, thus promoting direct distribution; announcement of the withdrawal from coal and fossil energy ❯ industries in our investment policy: the Group is no longer

Data known in February 2018 (N-1). (1)

99

REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES