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
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