GROUPAMA / 2020 UNIVERSAL REGISTRATION DOCUMENT

8 ADDITIONAL INFORMATION Concordance tables

Pages

Headings in Appendices 1 and 2 to Delegated Regulation 2019/980

6. Organisational structure 6.1 Brief description of the Group and the issuer’s position within the Group

6 to 8

6.2 List of major subsidiaries

7 and 263 to 266

7.

Review of financial position and earnings

7.1 Financial position

118 to 133 and 142 to 143

7.2 Operating earnings 7.2.1 Significant factors materially affecting income from operations 7.2.2 Reasons for material changes in net sales or revenues Capital resources 8.1 Information concerning the issuer’s capital resources 8.

118 to 133 118 to 133

133, 142 to 143 and 150 133, 142 to 143 and 151 133, 142 to 143 and 211

8.2 Source and amount of cash flows

8.3 Information on the borrowing requirements and funding structure

8.4 Information regarding any restrictions on the use of capital resources that have materially affected or could materially affect the issuer’s operations

Not applicable

8.5 Sources of funding expected to honour commitments

142 to 143 and 211

9.

Regulatory environment

109, 206, 259 to 261 and 330 to 332

10.

Trend information

10.1 (a) The most significant recent trends in production, sales, and inventory and costs and selling prices 10.1 (b) Significant changes in the financial performance of the Group between 31 December 2020 and the date of the universal registration document 10.2 Trends, uncertainties, demands, commitments, or events that are reasonably likely to have a material effect on the issuer’s prospects or of which the issuer is aware

118 and 139

118 and 139

118 and 139

11. Profit forecasts or estimates 11.1 Inclusion of a profit forecast or a profit estimate in the registration document

Not applicable Not applicable Not applicable

11.2 Assumptions on which the issuer based its forecast or estimate

11.3 Statement that the profit forecast or estimate has been compiled and prepared on a basis which is both: (a) comparable with the historical financial information and (b) consistent with the issuer’s accounting policies 12. Administrative, management, and supervisory bodies and executive management 12.1 Board of Directors and senior management 12.2 Conflicts of interest in the administrative, management and supervisory bodies and the executive management

30 to 48 and 319 to 327

55

13. Compensation and benefits 13.1 Compensation and in-kind benefits paid

56 and 57, 232 and 303

13.2 Total amounts set aside or accrued to provide for pension, retirement, or similar benefits

232 and 303

14. Board practices 14.1 Date of expiration of the current terms of office

31 to 45 and 54 to 55

14.2 Service contracts between members of the managing bodies and the issuer or any of its subsidiaries

55

14.3 Information on the operating methods of the corporate governance bodies

46 to 52 and 319 to 327

14.4 Compliance with the applicable corporate governance regime

46 and 47

14.5 Potential material impacts on corporate governance

30

337

Universal Registration Document 2020 - GROUPAMA ASSURANCES MUTUELLES