GROUPAMA / 2020 UNIVERSAL REGISTRATION DOCUMENT

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

It is structuredaround the four pillars of CSR, with revised phrasing in line with current CSR topics. Each pillar now consists of three commitments, for a total of 12 commitments to progress: a caring employer committed to collective success; ❯ an insurer that develops solutions and sustainable services; ❯ a partner working in solidarity with communities and regions; ❯ a responsible player in the ecological transition. ❯ In 2019, employeeswere able to learn about the strategy in a fun, participatoryway by visiting the AGI’RSEplatformmade availableto them for several weeks. Discussions and work to develop the next CSR strategy will begin in early 2021. It will naturally take into account all the lessons learned from the current Covid-19 crisis. Risk assessment 4.2.2.1 In connectionwith order number 2017-1180published on 19 July 2017, the Group’s CSR risks were specificallymapped in order to prepare this declaration.This rating was done in view of the social, societal, and environmental issues associated with our business model. CSR risks are intended to complement the current global management of the Group’s risks. The approach to the work, led by the CSR team with the assistance of the Group Risk Department, was as follows: first, classify and express “CSR” risks (for which there is currently no official normative list (2) ) and simultaneouslyconstruct an evaluation grid (matrix) for these risks, based in particular on the COSO method (3) . This list of risks and the assessmentmethodologywere then sent to the Business and Risk Departments of the Group’s entities for an initial rating, done as much as possible in gross terms (4) . Lastly, the return of this rating made it possible to choose from among the CSR risks the “significant” risks presented in this document and validated in the meeting of the Group’s Ethics Committee on 11 December 2019. The assessment is based on an expert opinion after about twenty interviews are conducted.The scope primarily concernedour main activities and business lines in France. The risk rating depends on the probabilityof occurrenceand the sum of the potential impacts (with an additional assessment factor, which is the incident already experienced or not). The list of risks described in the DPEF was validated again by the Group’s Ethics Committee on 17 November 2020. The mapping will be revisitedonce the Covid-19crisis has ended in order to have all the available information and data necessary for a valid assessment. CSR ISSUES AND ASSOCIATED 4.2.2 RISKS

Relationships of sharing between members, elected representatives, customers, and employees contribute to the differentiation and power of our model: the ability to combine operational and “emotional” knowledge allows Groupama to provide responses optimally tailored to needs, going beyond issuing policies. Our actions and measures initiatedduring the health and economic crisis in 2020 perfectly illustrate this sense of sharing and support for stakeholders. On 8 December, Groupama announced additional efforts to help those most economically harmed by the health crisis, supplementingthe many mutual insurancemeasurestaken in 2020 by Groupama and its regional mutuals within the territories. Throughout 2020, Groupama’s 31,000 employees remained continuouslymobilised to assist our members and customerswith the support of our 31,500 mutual insurance elected representatives. Beyondthe financial amountsthat will weigh on the 2020 financial year (€400 millionin overall contribution),Groupama is especially proud to have contributed to supporting the local economy by promotingdirect distributionand local business,while fully playing its role as the leading agricultural insurer after a catastrophic year for harvests. Governance and CSR strategy 4.2.1.5 The CSR team within the Internal Communication and CSR Department, attached to the Groupama Assurances Mutuelles Group HR Department,promotes and coordinates the CSR policy within the Group. It reports on the progress of the CSR strategy to the Group’sEthics Committee (1) , which includes the Group’s senior managementand the CEOs of the regional mutuals. In particular, it leads a network of 50 correspondents/coordinatorsfrom all the Group’s entities (regional mutuals, Groupama Assurances Mutuelles, French and international subsidiaries, and the IT and logistics EIG GroupamaSupports & Services), which participate in the development of action plans in their company and share their best practices. Led by the CSR team, the Group CSR Strategy is a master plan that defines areas for improvement in which the Group’s companies are active. The objective of this strategy is to mobilise the entire group around CSR with high added value to serve the Group’s strategic challenges. The 2019–2021plan was built using a collaborative approach, teaming up the CSR coordinators and management of the companies in 2018, and for the first time with the employees (IMAGIN’RSEwith 2,500 participants) and elected representatives through a CSR workshopduring a national training session. It was approved by the Group’s Ethics Committee on 17 April 2019.

The Group Ethics Committee is a committee of the Group Executive Committee (CEG). (1) Sources: the CSR reporting guide for the insurance sector produced by the FFA in 2018 as well as the 2015 practical guide of the ORSE (Observatory on (2) corporate social responsibility), of which Groupama is a member. Enterprise risk management to environmental, social and governance-related risks, COSO, October 2018. (3) In other words, intrinsic risk before risk control measures. (4)

74 Universal Registration Document 2020 - GROUPAMA ASSURANCES MUTUELLES