Groupama // 2021 Universal Registration Document

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

4.2

DECLARATION OF EXTRA-FINANCIAL PERFORMANCE

This part corresponds to section 10 of the management report of the combined financial statements for fiscal year 2021, audited by the statutory auditors. The social, societal, and environmental information published in this “declaration” (1) covers all entities within the scope of the combined financial statements, namely the regional mutuals, subsidiaries, and national entities. This approach provides a significant and comprehensive assessment of Groupama group’s progress in CSR (corporate social responsibility) in terms of understanding CSR risks and issues, and the steps taken and the results obtained. The elements of the Group CSR Strategy are also summarised in part 4.1 of the 2021 “URD” (2) and in the Groupama group’s annual report.

4.2.1

CSR AT THE HEART OF OUR BUSINESS MODEL

GROUPAMA, OUR BUSINESS MODEL

MUTUAL INSURER OF THE TERRITORIES, AIMING TO PROVIDE COMPREHENSIVE, LASTING SUPPORT FOR MEMBERS AND CUSTOMERS

OURVALUE CREATION

OUR RESOURCES

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RESOURCES €1.5 billion paid in salaries and benefits 9 out of 10 employees trained per year

RESOURCES 31,000 employees 30,000 elected representatives of members

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81% engagement rate (2021 internal survey)

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FINANCIAL Premiums: €15.5 billion Investments: €91.7 billion in assets

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FINANCIAL Positive net income: €493 million Positive operating income: €461 million Non vie combined ratio: 98.3% IFS rating: A , Positive Outlook (2021) Solvency ratio: 271% (with transitional measure) SOCIAL AND SOCIETAL Protection of as many as possible 11.5 million policyholders (members and customers) €11.3 billion in benefits paid +10,000 prevention missions France : Number 1 insurer for agriculture (1 out of 2 farmers) and local authorities (18,700 municipalities) Number 2 individual health insurer Number 3 in home insurance (3.5 million homes) Number 4 in motor insurance (3.9 million vehicles)

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under management Equity: €10.7 billion

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Mutual certificates: €638 million Balance sheet size: €104.5 billion

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ORGANISATIONAL AND INTELLECTUAL 3-level mutualist organisation based on elective membership and the internal reinsurance system: 2,700 local mutuals 13 regional and specialised mutuals 1 national reinsurance mutual, Groupama Assurances Mutuelles, professional agricultural organisation

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WE ARE HERE TO HELP AS MANY PEOPLE AS POSSIBLE BUILD THEIR LIVES WITH CONFIDENCE

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Expertise (e.g. actuarial models), know-how (120 di erent business lines)

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Economic, academic, and institutional partnerships in all regions

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Companies and networks using a “phygital” approach: 2 complementary brands 40 companies (regional mutuals, national mutual, and business line-specialised or distribution subsidiaries) 3,000 Groupama and Gan branches; complete multi-channel distribution Regional decision-making centres, information systems and call centres in France

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Contribution to the territories: 25,000 jobs in France

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Territorial economic contribution: €40 million €11M paid for philanthropy (included Covid actions)

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Italy, Hungary, Romania, China, Turkey: in the top 10

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ENVIRONMENTAL €91 billion in Responsible Investments (ESG criteria, GAM outstanding assets) €1.040 million in green bonds 10.4 Mt of CO2 absorbed by our 21,570 ha of sustainably managed forests

International retail in 10 countries : employee networks, agents, brokers

>> a dense territorial network, human, close-knit, solidarity-focused support communities, as close as possible to the needs of members and customers

Données au 31/12/2021

“Declaration of Extra-financial Performance” (DEFP), voluntarily prepared by Groupama according to the order on the publication of non-financial information (1) and its implementing decree in July and August 2017 respectively. Universal Registration Document (formerly Registration Document). (2)

69 Universal Registration Document 2021 - GROUPAMA ASSURANCES MUTUELLES