GROUPAMA / 2020 UNIVERSAL REGISTRATION DOCUMENT

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

4.2

DECLARATION OF EXTRA-FINANCIAL PERFORMANCE

This part correspondsto section 8of the managementreport of the combinedfinancial statementsfor fiscal year 2020, auditedby the statutory auditors. The social, societal, and environmentalinformationpublished in this “declaration” (1) covers all entities within the scope of the combined financial statements, namely the regional mutuals, subsidiaries, and national entities. This approach provides a significant and comprehensive assessmentof Groupamagroup’sprogress in CSR (corporatesocial responsibility)in terms of understandingCSR risks and issues, and the steps taken and the results obtained.The elementsof the Group CSR Strategyare also summarisedin part 4.1 of the 2020 “URD” (2) and in the Groupama group’s annual report.

4.2.1

CSR AT THE HEART OF OUR BUSINESS MODEL

MUTUAL INSURER OF THE TERRITORIES, AIMING TO PROVIDE COMPREHENSIVE, LASTING SUPPORT FOR MEMBERS AND CUSTOMERS GROUPAMA, OUR BUSINESS MODEL

OURVALUE CREATION

OUR RESOURCES

RESOURCES €1.2 billion paid in salaries and benefits 90% of employees trained per year

RESOURCES 31,000 employees 31,500 elected representatives of members

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76% engagement rate (2018 internal survey)

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FINANCIAL Premiums: €14.4 billion Investments: €92.4 billion in assets

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FINANCIAL Positive net income: €177 million Positive operating income: €306 million Combined ratio: 98.7% IFS rating: A , Stable Outlook Solvency ratio: 244% (with transitional measure)

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under management Equity: €10.7 billion

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Mutual certificates: €632 million Balance sheet size: €104.7 billion

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SOCIAL AND SOCIETAL Protection of as many as possible 12 million policyholders

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3-level mutualist organisation based on elective membership and the internal reinsurance system: 2,750 local mutuals 13 regional and specialised mutuals 1 national reinsurance mutual, Groupama Assurances Mutuelles, professional agricultural organisation

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(members and customers) €11 billion in benefits paid 10,000 prevention missions

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WE ARE HERE TO HELP AS MANY PEOPLE AS POSSIBLE BUILD THEIR LIVES WITH CONFIDENCE

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France : Number 1 insurer for agriculture (60% of farmers) and local authorities (18,000 municipalities) Number 1 individual health insurer Number 2 in home insurance (3.5 million homes) Number 4 in motor insurance (3.8 million vehicles) Contribution to the territories: 25,000 jobs in France Territorial economic contribution (formerly business tax): €49.6 million €11M paid for philanthropy

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Expertise (e.g. actuarial models), know-how (120 di erent business lines)

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Economic, academic, and institutional partnerships in all regions

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Companies and networks using a “phygital” approach: 2 complementary brands 40 companies (regional mutuals, national mutual, and business line-specialised or distribution subsidiaries) 3,000 Groupama and Gan branches; complete multi-channel distribution Regional decision-making centres and information systems, call centres in France International retail in 10 countries : employee networks, agents, brokers >> a dense territorial network, human, close-knit, solidarity-focused support communities, as close as possible to the needs of members and customers

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Italy, Hungary, Romania, China, Turkey: in the top 10

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ENVIRONMENTAL €80.5 billion in Responsible Investments (ESG criteria, GAM outstanding assets) €700 million in green bonds 10.5 Mt of CO absorbed by our 21,570 ha of sustainably managed forests

Data 31/12/2020

“Declaration of Extra-financial Performance” (DEFP), voluntarily prepared by Groupama according to the order on the publication of non-financial information (1) and its implementing decree in July and August 2017 respectively. Universal registration document (formerly registration document). (2)

72 Universal Registration Document 2020 - GROUPAMA ASSURANCES MUTUELLES