GROUPAMA / 2020 UNIVERSAL REGISTRATION DOCUMENT

2 THE GROUP’S BUSINESSES Insurance in France

Automotive and Mobilities 2.2.3.1 Groupama ranks number 4 on the French motor insurancemarket (source: L’Argus de l’Assurance – May 2020) and insures more than 3,850,000 passenger vehicles (1) (excluding fleets) as of the end of 2020. The Group offers a complete, innovative range of products and services at competitive prices responding to the major trends in consumptionand including an original value-addedservice offering with the CapsAuto network of repairers as well as a unique prevention offering via the Centaure driving training centres, for policyholders and their children, also available to adlrl ivers. Changes in car use (car-sharing, carpooling, lease-purchase plans/long-term rentals) and increasing and complementaryuse of other modes of transport (bicycles, electric scooters, public transport) are areas where Groupamahas establisheda position to offer its customerssolutions in line with their needs and changes in the mobility sector. Multi-risk home 2.2.3.2 This year, Groupama still ranks number 2 on the French home insurance market (source: L’Argus de l’Assurance– May 2020).As of 31 December 2020, the Group had 3.55 million insured homes. The home insurance solutions offered by Groupama are highly comprehensiveand allow a very broad target to be reached. Each year, we work to adapt the general terms and conditions and add types of cover or even services in order to adapt to changes in society. Offered by Mutuaide, which has operations in all assistance business lines (car breakdown assistance, personal and medical repatriationassistance,home care), this businessplaces the Group in 6 th position on this market in France. Mutuaide has also specialised in affinity insurance, which makes it possible to offer – to the Group and outside the Group – travel cancellation insurance, mechanical breakdown insurance, household property loss, theft, and breakage insurance, etc. To supplement its offering, Mutuaide also offers services such as crisis management, personal services, concierge services, and event medicalisation. Legal Protection (b) Groupama is the second-largest player in France (source: FFA, 2017) in the legal protectionmarket,with insurancecover managed by the regional mutuals and Société Française de Protection Juridique (SFPJ). With this cover, Groupama provides support to policyholders, whether individual or professional, who face situations of conflict, by helping them to assert their claims and assuming the corresponding expenses. SFPJ’s operating Services 2.2.3.3 Assistance, Affinity Insurance, Services (a)

performance is based on the satisfaction of its customers, managed by its ISO 9001 certification since 1998, and a continuous improvement approach to customer satisfaction. Credit Insurance and Surety (c) Groupama is the only multi-line insurer to offer credit insuranceand surety solutions through its subsidiaryGroupamaAssurance-crédit & Caution. Its premium income amounted to €46 million as of 31 December 2020. The products are marketed by the regional mutuals, Gan Assurances agents, and a network of multi-line or specialist brokers. Agricultural insurance 2.2.3.4 Groupama, the leading insurer in the agricultural world, has an ever-increasing presence with farmers. Today,more than two thirds of farmersstill lack sufficientprotection against the consequencesof weather events. The Group, armed with its OPA status and within the French agriculturecouncil (CAF), has chosen to adopt a pedagogical attitude towards farmers. Groupama’s “CLIMATS” multi-risk weather insurance for crops is one of the main tools for financially securing a farm in the event of weather events impacting crops. The Group is also deploying its “Objectif stabilité” policy (revenue insurance), responding to the context of market deregulation and rising volatility in commodity prices. In March 2020,the agriculturalsector had to begin coping with the impacts of the Covid-19health crisis. Groupama,the top insurer in the agriculturalworld, was driven to stand by farmers from the first days of the crisis. In an uncertain environment, Groupama’s support consisted in providing advice to its members, answering their everyday questions (especially when the labour essential to business continuitywas scarce), staying close despite the distance imposed by the lockdown, and adjusting contributions to support certain sectors in hardship. In addition, Groupama constantly adapts its risk prevention approach to respond to farmers’ issues. The aim is to support farmers in their daily lives in the developmentof their businessesby offering them services such as advisory visits to analyse the risks present on the farm or even personalised prevention plans. Groupama’s expertise can also be seen in its technical support for business diversification,such as methanisationand developmentof direct distribution. Following on from its Preventionactions and affirming its role as a leader and pioneer of the agriculturalworld, Groupamahas offered innovative services since 2019 to allow farmers to look after their farm (connected fodder probes, smart video-surveillanceameras).

Number of policies insured directly or indirectly (through the reinsurance agreement). (1)

23 Universal Registration Document 2020 - GROUPAMA ASSURANCES MUTUELLES