GROUPAMA / 2019 Universal Registration Document

4 CORPORATE SOCIAL RESPONSIBILITY (CSR) Declaration of Extra-financial Performance

I ndirect impacts of offerings, namely the activity of our ● policyholders Groupama is certainly exposed to this risk given its activity (proportion of non-life insurance in particular), but it remains fundamentallycontrolledthanks to compliancewith existing or new regulatory requirements. The Business Departments conduct ongoing regulatoryand technical monitoringto adapt the offerings. The Group’s network of preventionists (150 FTEs  (1) at Groupama Assurances Mutuelles and the regional mutuals) is called upon. Some examples in environmental TPL  (2) : this is mandatory insurance for professional risks with TPL including limits of cover purchased in accordancewith the applicableregulatoryprovisions; in business and local authority insurance: proposal or addition of environmental TPL,with environmentaldamage, etc. Note: reinsurers have so far not imposed clauses excluding certain ● environmental risks; changes in the regulations on “group actions” (since 2014) ● have led to the purchase of specific reinsurance to protect against the economic consequences of this type of proceeding; a policy of monitoringand controllingthe accumulationof risks ● is carried out at the Group level ( e.g. on fire cover, which may have an environmental impact by extension); with regard to claims, also note the role of issuing alerts of the claims function on the quality of the risk (cf. Seveso-classified sites, etc.). The enactment of pollution or other standards is not within Groupama’s authority; in essence, we insure players complying with recognised standards. Moreover, there is currently no official methodologyfor measuring the carbon footprint of the main portfolios (motor insurance, home insurance,agriculturalinsurance, etc.).Work is currentlybeing done at the European level (within the frameworkof the CRO Forum  (3) to arrive at a common methodology foundation on this subject. In keeping with its CSR strategy, the Group plans to implement a process to measure this footprintin the coming years. Note: in multi-risk home insurance, the offerings include cover for ● home equipmentproducing renewableenergies as well as an environmentally friendly “new for old” programme for householdappliancesrequiring replacement; in motor insurance, the Centaure centres enabled 18,920 ● trainees in 2019 to complete an eco-drivingmodule (49% of Centaure trainees); in motor damage insurance, Groupama contributes to the ● circular economy: repairing (rather than replacing) 33.8% of bumpers and shields in 2019 (on cars insured by Groupama and Gan);

Groupama has partnered with Exo Expert to support the ● developmentof drones in risk protection and the deployment of new servicesfor farmers.The developedserviceswill enable Groupama to optimise the performance and quality of insurancebenefits,such as close monitoringof the situationof crops, damage suffered, or the effective identificationof areas affected bya climate event; multi-risk weather (MRW) insurance remains the main tool for ● crop protection: in France, more than half of the surfaces are covered byGroupama’s MRW insurance (2.6 million ha); Groupama is the leader in insurance and prevention on ● methanisation activities, with 60% of French methanisation units insured; the prevention and alert services of Predict, a subsidiary of ● Météo France, are now accessible to all customers of the Group. The Groupama-Predictmobile app allows customers to receive messages about key information to anticipate and managea weather hazard; the notion of environmental damage was introduced in the ● FrenchCriminal Code in 2016; this cover is integratedinto our environmental TPLofferings. Storm risks and weather risks on crops (or MRW) are addressedin the Group’s“Major Risks”framework. Performance indicator ● Rate of change in the numberof “infrequentdriver”  (4) motor policies in the portfolio: 751,153 policies (+2.5%/2018), or 27% of the portfolioof the regional mutuals. Other indicatorswith an “environmental”dimension  (5) ● number of electric vehicle policies: 11,960, including 9,511 in ● the regional mutuals (+16%/2018) and 2,449 at Amaline (+20%/2018); number of corporate environmentalTPL polices: 889 Garden ● policies +4.5%/2018;and environmental cover in corporate TPL: presencein approximately 2,900 policies. to sustainable development Our Group and its companies have long been immersed in and attentiveto the local ecosystem.This is part of our DNA. The risk of negative impactson the territories isnot significant forGroupama. Our ambition is to be a key player in our territories by pursuing a strong regional policy of partnerships/philanthropywith the local ecosystem by remaining the leading insurer for small and medium-sized communities and by continuing to open branches and managementsites in the regions.Groupamais also the insurer for all agricultural needs. Societal commitments 4.2.2.5

Full Time Equivalent. (1) Third-Party Liability. (2) Chief Risks Officers Forum. (3) Less than 8,000 or 10,000 km. (4) With environmental characteristics or environmental objectives. (5)

82 Universal Registration Document 2019 - GROUPAMA ASSURANCES MUTUELLES

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