Groupama // 2021 Universal Registration Document

2 THE GROUP’S BUSINESSES Insurance in France

The Group also confirms the success of its positioning and customer support strategy on the theme of pensions with 38,275 new PERIN policies (Groupama/Gan Nouvelle Vie) taken out over the 2021 fiscal year. Individual protection insurance 2.2.4.3 In 2021, Groupama continued to improve its enrolment process by relying on a secure digital health questionnaire and electronic signature of contractual documents for products covering work stoppages and disability. Moreover, the offering has evolved for the population of self-employed professionals to adapt to regulatory changes. In addition, to make our services even more understandable: for our member farmers, an Internet area was made available to ❯ alternative service organisations; educational communications have been distributed to ensure a ❯ good understanding of the coverage of our products, particularly regarding the Everyday Accident polices. In connection with the health crisis in 2021, Groupama maintained specific measures facilitating vulnerable populations. Group insurance 2.2.4.4 The fiscal year was characterised by strong growth in group retirement and good growth in group protection. 2021 was the year of retirement and employee savings in line with the development driven by the Pacte law. Employee savings and individual retirement savings plans (PER) have been very popular with all of the Group’s distribution networks as well as companies and savers. As a truly strategic business line for the coming years, the Group has continued its global savings/pensions initiative with the aim of improving customer satisfaction (development of digital services, launch of a new customer area for annuitants, welcome calls for new customers, customer satisfaction survey, etc.) and through the launch of a new “Article 39” retirement offering to meet the needs of senior executives and heads of companies. Essential in a period when companies want to take actions for quality of life, prevention, and well-being of their employees, the services backed by our personal protection and health insurance policies were popular and represent a real mark of differentiation in a highly competitive market. Each day, we see the need for our customers to be supported on these issues. Measures for the ongoing improvement of the customer experience continue. With a 100% digitised enrolment process, the Group retirement customer area for companies has been completely redesigned and re-engineered to provide a better user experience. We are committed to ensuring that these tools are used and useful for our customers, and new functionalities have been added to our spaces, such as online beneficiary designation and account aggregation for a consolidated view of one’s financial assets, and

the introduction of a chat function for faster interaction with our sales networks and customers. Lastly, a new protection/health insurance customer area is now available for our new micro-company and SME customers. The quality of the Group’s support for its customers is a core concern for us: after our ISO 9001 certification was renewed in 2020 for our Customer Relations and Health Services Division, our group retirement management teams were rewarded with a renewal of its ISO 9001 certification “without non-conformities”. Employee savings 2.2.4.5 Groupama Épargne Salariale is the Group subsidiary dedicated to employee savings. Its solutions are offered to companies regardless of their size and business sector and are mainly distributed by the regional mutuals, Gan Assurances, Gan Eurocourtage, and Gan Prévoyance. Groupama Épargne Salariale represents 16,500 customer companies, 134,000 savers, and more than €1.7 billion in assets under management. Groupama Épargne Salariale achieved unprecedented results in 2021: 1,553 companies were equipped with employee savings schemes, a 33% increase from 2020, and gross inflows increased by 13% to €240 million. These historic figures were achieved in an environment favourable for the development of corporate savings/pension and resulted from the mobilisation of the teams to support our networks and customers, even remotely. In its ongoing quest to improve the quality of its services, Groupama Épargne Salariale conducted two major satisfaction surveys in 2021. The first (in collaboration with the EIG GES (1) ) with more than 1,100 savers and the second with more than 1,000 contributors. The results are good: an overall satisfaction score of nearly 8/10 among savers with regard to employee savings schemes (with almost half of respondents saying they were “highly satisfied”) and 89% of contributors (2) satisfied with the quality of the services offered by Groupama Épargne Salariale. For companies, Groupama Épargne Salariale set up a new 100% digital, turnkey service to help them manage the current problem of unused rest days and allow them to be monetised in the collective PER (PERCOL): companies can entrust Groupama Épargne Salariale with the entire management of their campaign and thus reduce their company’s social liabilities in a simple manner. As for employees, they can take full advantage of the benefits of converting their unused rest days into employee savings in the PERCOL. In 2021, companies also benefited from the redesign of their online employee savings management area, which is more modern and easier to navigate. Lastly, for the 12 th year, Groupama Épargne Salariale’s offerings were awarded the “Excellence” labels by Dossiers de l’Épargne. This label is awarded by experts to the best policies on the market.

Economic Interest Grouping, specialised in employee savings management. (1) Out of 144 respondents. (2)

23 Universal Registration Document 2021 - GROUPAMA ASSURANCES MUTUELLES