Groupama // 2021 Universal Registration Document

8 ADDITIONAL INFORMATION Concordance tables

Items in Annexes 1 and 2 to European Regulation no 2019/980

Pages

6 Organisational structure 6.1 Brief description of the Group and the issuer’s position within the Group

6 to 8

6.2 List of major subsidiaries

6 and 258 to 261

7 Review of financial position and earnings 7.1 Financial position

121 to 134 and 143 to 144

7.2 Operating earnings 7.2.1 Significant factors materially affecting income from operations 7.2.2 Reasons for material changes in net sales or revenues 8 Capital resources 8.1 Information concerning the issuer’s capital resources

121 to 134 121 to 134

134, 143 to 144 and 150

8.2 Source and amount of cash flows

134, 143 to 144 and 151 to 152

8.3 Information on the borrowing requirements and funding structure

134, 143 to 144 and 214

8.4 Information regarding any restrictions on the use of capital resources that have materially affected or could materially affect the issuer’s operations

Not applicable

8.5 Sources of funding expected to honour commitments

143 to 144 and 214

9 Regulatory environment

113, 209, 254 to 256, 326 to 328

10.

Trend information

10.1 (a) The most significant recent trends in production, sales, and inventory and costs and selling prices 10.1 (b) Significant changes in the financial performance of the Group between 31 December 2020 and the date of the Universal Registration Document 10.2 Trends, uncertainties, demands, commitments, or events that are reasonably likely to have a material effect on the issuer’s prospects or of which the issuer is aware

140

140

140

11 Profit forecasts or estimates 11.1 Inclusion of a profit forecast or a profit estimate in the Registration Document

Not applicable Not applicable

11.2 Assumptions on which the issuer based its forecast or estimate

11.3 Statement that the profit forecast or estimate has been compiled and prepared on a basis which is both: (a) comparable with the historical financial information and (b) consistent with the issuer’s accounting policies 12 Administrative, management, and supervisory bodies and executive management 12.1 Board of Directors and senior management 12.2 Conflicts of interest in the administrative, management and supervisory bodies and the executive management

Not applicable

28 to 54 and 315 to 323

54

13 Compensation and benefits 13.1 Compensation and in-kind benefits paid

54 to 55, 233 and 299

13.2 Total amounts set aside or accrued to provide for pension, retirement, or similar benefits

233 and 299

14 Board practices 14.1 Date of expiration of the current terms of office

29 to 43 and 52 to 53

14.2 Service contracts between members of the managing bodies and the issuer or any of its subsidiaries

54

14.3 Information on the operating methods of the corporate governance bodies

44 to 51 and 315 to 323

14.4 Compliance with the applicable corporate governance regime

44 to 45

14.5 Potential material impacts on corporate governance

28

333

Universal Registration Document 2021 - GROUPAMA ASSURANCES MUTUELLES