GROUPAMA / 2020 UNIVERSAL REGISTRATION DOCUMENT

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

The development of pull printing – badge recognition at printers – allows for more reasonableprintingmanagement,and the use of remote dialogue/meetingtools available to the employeesof the companies – Hub Agile and going forward the DCS-Office365 ecosystem (at the workstation) deployed starting in March 2020 – reduces travel. In addition,our data centres in Bourgesand Mordellesabide by the Green Grid best practices – optimisation of energy consumption. Note that the three properties at Groupama Campus in Nanterre were restored in 2017–2018 as part of a renovation project in keeping with the HQE ® (June 2015 reference standard) and BREEAM ( e.g. LED lighting with presence detection including for two thirds of the parking lights, optimisedwater management,etc.) initiatives. In terms of operating property, the Campus buildings (WP6 in 2019) and new works, such as those planned at the Bordeaux site, are part of this dynamic. In 2020, the Groupama Paris Val de Loire regional mutual opened its new eco-responsible headquarters in Antony in the Paris region. Note that Groupama Immobilier, in WP6, was the first property asset Manager to receive ISO 14001 certification in 2018, which was renewed in 2019 and with a 2020 audit postponed to March 2021.Knowledge of its carbon impact allows it to improve its overall performance(including that of its businessesand that of its assets). Prevention and management of waste (a) The Group’s service business activities do not directly generate waste or pollution other than office waste. However, we wish to make progress in the recycling of such waste, particularly through selective sorting, already effective in several of the Group’s entities (for example, the Campus, Bordeaux, and Astorg sites in Paris). At Groupama Campus Nanterre in 2020, a printing reduction challenge was launched (half of the gains were donated to an association for the fight against rare diseases supported by the Groupama Foundation),and Groupamajoined the CUBE challenge, an inter-companycompetitionof the IFPEB (2) , the objectivebeing to reduce the energy consumption of buildings, three properties registered for 2020 (WP1, 2 and 5). Recall that the “Happy Cleanings” operations carried out by the companies moving to Nanterre mobilised the employees to collect and recycle 188 tonnes of paper over the 2017–2019 period (3) . In addition, furnitureand supplieshave also been donated to charities for reuse and recovery. Circular economy 4.2.3.1 (consume less, better, reuse)

It shouldalso be noted that the Group signeda tax partnershipwith the tax authority (Service Partenaire des Entreprises) on 26 June 2019. Groupama is the only insurer among 40 French companies, which testifies to its taxpayer compliance insofar as the tax partnership reflects the cooperationand tax transparencywith the authorities and therefore makes it possible to secure the Group’s tax management. A group tax charter is being drafted.

4.2.3

ADAPTING TO CLIMATE CHANGE: THE GROUP’S ECOLOGICAL FOOTPRINT

This is a CSR topic imposed on all players. In connectionwith its CSR strategy, the Group is committed to reducing its CO 2 emissions and fighting climate change, both through its organisationand by encouragingthe eco-friendlybehaviours of its stakeholders(includingemployees (1) ). The Group has voluntarily set a goal of reducing carbon emissions from its operations by 15% between 2013 and 2022. The 2020 health crisis naturally had a major impact on the trajectory of carbon emissions – see points 4.2.3.1 and 4.2.3.2. In its organisation, the levers pertain to energy consumption, business travel (including the fleet purchasing policy), and paper consumption. The Group’s CSR team drives this objective by sharing information, by promoting community actions, in particular by sharing good practices ( e.g. regarding mobility and decarbonisation initiatives) with the network of CSR facilitatorsand in liaison with the Logistics WG led by Groupama Supports & Services and including the regional mutuals. Ordered from a communitycatalogue, the Group’s companiescan thus use models of cars that emit less and less: 98/99 g/km on average for our fleet in 2019-2020, compared with 102 g/km in 2013. Given that our business is in the service field, the direct impacts of the Group’s companies on the environment are limited: our businesses do not constitute threats to biodiversity, water, or soil use. In terms of environmental protection, our employees are regularly informed of environmental issues, in particular through the European Sustainable Development Week, and communication/awareness efforts continue in the Group’s companies through various actions: educational information, CSR workshops, green team building, challenges, eco-driving awareness campaigns, and the establishment of carpooling in certain entities. The Group’s companies have set up hives and urban gardens, and some are promoting direct distribution with sales from local producers (Granvillage) on their sites.

The indirect impacts associated with offerings, investments, or purchases are discussed in part 2. (1) IFPEB: Institut Français pour la Performance du Bâtiment, of which Groupama Immobilier is a member. (2) Source: Groupama Supports & Services, final results. (3)

91 Universal Registration Document 2020 - GROUPAMA ASSURANCES MUTUELLES