GROUPAMA / 2019 Universal Registration Document

2 THE GROUP’S BUSINESSES Insurance in France

Professional insurance 2.2.3.5 This category includes micro-enterprises, very small businesses and heads of independent companies with very diverse profiles (craftsmen, retailers, self-employed professionals, and service providers).The Group,the number 3player on this market (source: CSA Research, PEPITES – March 2018), has updated its comprehensive range of offerings and has diagnostic tools that enable risk analysis and advisory services that meet customers’ needs as closely as possible. The Group can offer all insurance solutions useful for professionalsfor both their business and their private life. Construction 2.2.3.6 The Group’sactivity inthe constructionsector is drivenprimarily by multi-risk policies (non-life, civil liability, and ten-year civil liability) distributed via employee networks,agents,and brokerage. Insurance for local authorities 2.2.3.7 As the leading insurer of local authorities and organisations, Groupamahas a renewed insuranceoffering for public authorities. This new offering is a response to the new risks that local authorities must face due to territorialreorganisationin France. The Group is rounding out its insurance offerings with prevention and advisory services adapted to the risks faced in today’s environment: road accident prevention thanks to the Centaure training centres, crisis management,prevention of climate-related risks, etc. In the area of climate-relatedrisk prevention with local authorities,the rollout of the Groupama– Prédictservicecontinued in 2018; this service, planned for 2019, sends out highly localised alerts on the Internet and by SMS in the event of a weather event or natural disaster, based on customised informationprovided up front. Given the interest presented by Groupama-Prédict, Groupama continued its steps to deploy this service for its other categoriesof customersas well (farming,individuals,professionals, etc.). The Group also deployeda new application“Mon Kit Elus”, which provides all electedrepresentativesof local authoritieswith a single space for useful numbers and information needed for the various activities that they carryout on a daily basis. In a continued difficult economic environment where pricing competitionis particularlyfierce, the Group has maintainedits level of involvement with businesses. Beyond the agri-food sector, where Groupama remains the leading insurer, Groupama is strengthening its presence alongside SMEs and mid-caps. They have accessto a very comprehensiveoffering, includingthe “base” covers of casualty insurance, credit insurance, group insurance, employee savings, legal protection, as well as pensions and protection in case of unemployment of the business head. Groupama also intends to support its business customers in the face of the emergenceof new risks to which they are exposed; in this context, Groupama has developed a cyber-risk cover to protect and support companiesthat are victims of hacker attacks. Groupama is also supplementing its various insurance offerings with a range of services designed to meet all the needs of Commercial insurance 2.2.3.8

companies, including road safety services, surveillance of premises,etc.

2.2.4

LIFE AND HEALTH INSURANCE

Groupama Assurances Mutuelles generated premium income of €4.7 billion in life and health insurance (57% of premium income generatedin France)as of 31 December 2019.

Individual health 2.2.4.1 Groupama is the leading player in France (excluding IP 45) on the individual health market (source: L’Argus de l’Assurance , June 2019). In 2019, Groupamamade a remote consultationservice available to all its health insurance policyholders,giving them quick access to a physicianto meet their needs, such as a medical prescription with full coverageof their medicinesreimbursedby the compulsory scheme,a prescription renewal, or being reassured and/orreferred to the appropriate healthcare professional. Eager to promote the expression inter-generationalsolidarity, the Group has also developed a new support service: Relaimoi. With Relaimoi, members can transfer their assistance relating to housekeeping, child or elder care, and remote assistance to a member of their family who needs it medically and is not necessarily a member of Groupama. Lastly, Groupama continued to assume its role of supporting the most vulnerablepatients in the healthcaresystemby being listed in the SolidarityHealthContract(CSS) scheme. Individual savings/pensions 2.2.4.2 As of 31 December 2019, Groupama Assurances Mutuelles generated €1.8 billion in premium income in individual savings/pensions,with a share of individual unit-linked products (UL) of 37.5%, outperforming the market. The Group successfully launched delegated management on life insurance policies, with more than €500 million already collected, and PERin (GroupamaGan NouvelleVie), with 8,174 policiestaken out sinceOctober 2019. Lastly, the new subscription tools, intended to digitise the selling process, were rolledout with the Group’sdistribution networks. Protection insurance 2.2.4.3 As a leading player in a highly competitive market, Groupama is continuing its development in death, funeral, long-term care, and everyday accident insurance. In 2019, Groupama allowed its customers to take out protection insurance through digital processes, including responses to a secure digital health questionnaire and electronic signatures on policy documents.In addition,in their customerarea, policyholders can find a guide explaining the covers and summarising the processes and contacts if there are changes in their personal or professional life and in the vent of a claim.

24 Universal Registration Document 2019 - GROUPAMA ASSURANCES MUTUELLES