GROUPAMA / 2020 UNIVERSAL REGISTRATION DOCUMENT

CONTENTS

1 Overview of the group History of the Company 1.1

3

5 Group risk factors

105

4

The Group’s main risks 5.1

106

Organisation of the Group and Groupama 1.2 Assurances Mutuelles

Organisation of risk management 5.2 within the Group

6 8

110

Key figures 1.3 Strategy 1.4

12 13

Human resources 1.5

6 Earnings and financial position 113 Management report of the Board 6.1 of Directors 114 Dividend distribution policy 6.2 140 Characteristics of the mutual certificates 6.3 and remuneration policy 141 Cash and Group financing 6.4 142 Administrative, judicial, or arbitration 6.5 proceedings 143

2 The group’s businesses

19

Groupama, a multi-line and multi-channel 2.1 insurer

20 22 26 28

Insurance in France 2.2 International Insurance 2.3 Financial businesses 2.4

7 Financial statements

145

3 Corporate governance and internal control Disclosures on Corporate Governance 3.1

29 30 56 56 58 65 65 65

Consolidated financial statements 7.1 and notes Statutory auditors’ report on the 7.2 consolidated financial statements Annual financial statements and notes 7.3 Statutory auditors’ report on the annual 7.4 financial statements

146

Delegations of authority and powers 3.2

267 271

Compensation of Directors 3.3 Internal control procedures 3.4 Related-party transactions 3.5

305

Major contracts 3.6

Fees of the statutory Auditors 3.7 Statutory auditor’s special report 3.8 on related-party agreement

8 Additional information Company information 8.1

309

66

310

Information concerning share capital 8.2 and principal shareholders

328 330

4 Corporate social responsibility (CSR)69 Groupama CSR Policy 4.1 70 Declaration of Extra-financial Performance 4.2 72 Report of the independent third-party 4.3

Regulatory environment 8.3 Persons responsible for 8.4

the universal registration document, financial disclosures, and for auditing the financial statements

333 334 335 336

organisation on the declaration of extra-financial performance

Available documents 8.5

101

Glossary 8.6

Concordance tables 8.7