GROUPAMA / 2019 Universal Registration Document

CONTENTS

Overview of the Group History of the company 1.1 Organisation of the Group 1.2

3

Group risk factors

99

1

5

The Group’s main risks 5.1

4

100

Organisation of risk management 5.2 within the Group

and Groupama Assurances Mutuelles

6 8

104

Key figures 1.3 Strategy 1.4

10 12

Human resources 1.5

6 Earnings and financial position 107 Management report of the Board 6.1 of Directors 108 Dividend distribution policy 6.2 132 Characteristics of the mutual certificates 6.3 and remuneration policy 133 Cash and Group financing 6.4 134 Administrative, judicial, or arbitration 6.5 proceedings 135

The Group’s businesses Groupama, a multi-line 2.1 and multi-channel insurer Insurance in France 2.2 International Insurance 2.3 Financial businesses 2.4

19

2

20 22 26 28

Financial statements

137

3 Corporate governance and internal control 29 Disclosures on Corporate Governance 3.1 30 Delegations of authority and powers 3.2 56 Compensation of Directors 3.3 56 Internal control procedures 3.4 58 Related-party transactions 3.5 65 Major contracts 3.6 65 Fees of the statutory auditors 3.7 65 Statutory auditor’s special report 3.8 on related-party agreements 66

7

Consolidated financial statements 7.1 and notes Statutory auditors’ report on the 7.2 consolidated financial statements Annual financial statements and notes 7.3 Statutory auditors’ report on the annual 7.4 financial statements

138

260 264

296

Legal information

301

8

Company information 8.1

302

Information concerning share capital 8.2 and principal shareholders

320

Corporate Social Responsibility (CSR)

Persons responsible for the 8.3

4

69

universal registration document, financial disclosures and for auditing the financial statements

Groupama CSR Policy 4.1 70 Declaration of Extra-financial Performance 4.2 71 Report of one of the statutory auditors 4.3 on the declaration of extra-financial performance 94

322 323

Available documents 8.4

Glossary

325

Concordance table with the headings required by delegated Regulation (EU) N° 2019/980 326 Concordance table with the disclosures required in the annual financial report 328

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