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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