GROUPAMA / 2018 Registration document

CONTENTS

5 Risk factors and risk management

1 Overview of the Group

3

123

History of the Company 1.1

4

Risk factors 5.1

124

Organisation of the Group and 1.2 Groupama Assurances Mutuelles

Risk management 5.2

6 8

and sensitivity analyses

134

Key figures 1.3 Strategy 1.4

10 12

Human resources 1.5

6 Earnings and financial position 151 Management report of the Board 6.1 of Directors 152 Dividend distribution policy 6.2 176 Characteristics of the mutual 6.3 certificates and remuneration policy 177 Cash and Group financing 6.4 178 Property, plant and equipment 6.5 179 Administrative, judicial, or arbitration 6.6 proceedings 179

2 The Group’s businesses Groupama, a multi-line 2.1 and multi-channel insurer

17

18

Insurance in France 2.2 International Insurance 2.3 Financial businesses 2.4

20 24 26

3 Corporate governance and internal control

27

7 Financial statements

181

Disclosures on Corporate Governance 3.1 Delegations of authority and powers 3.2 Compensation paid to and equity 3.3 interests owned by Directors

28 54

Consolidated Financial statements 7.1 and notes Statutory auditors’ report 7.2 on the consolidated financial statements 286 Annual financial statements and notes 7.3 290 Statutory auditors’ report 7.4 on the annual financial statements 324 182

54 64 71 71 72

Internal control procedures 3.4 Related-Party Transactions 3.5

Major Contracts 3.6

Fees of the statutory auditors 3.7 Statutory auditors’ special report 3.8 on related-party agreements and commitments

73

8 Legal information

329

Company information 8.1

330

4 Corporate social responsibility (CSR)

Information concerning share capital 8.2 and principal shareholders 348 Persons responsible for the registration 8.3

75

Groupama CSR Policy 4.1

76

document, financial disclosures and for auditing the financial statements

Groupama’s 2018 extra-financial 4.2 performance review Report of one of the statutory auditors 4.3 on a selection of social, environmental, and societal information

77

351

120

Glossary

353

Concordance table with the headings required by EU Regulation no 809/2004 354

Concordance table with the disclosures required in the annual financial report

356

Made with FlippingBook flipbook maker