UNIVERSAL REGISTRATION DOCUMENT 2023

1 OVERVIEW OF THE GROUP Strategy

1.4 STRATEGY

The Groupama group’s strategy is supported and embodied by the Vision programme. This strategic programme consists of six complementary elements, which form a coherent whole guiding the Group’s actions:

Part 4 of this document presents a summary of our sustainability policy as well as Groupama’s Non ‑ Financial Performance Statement (DPEF). This statement sets out the implementation of this policy for fiscal year 2023.

our corporate purpose; ❯ our sustainability approach; ❯ our pillars of transformation; ❯ our performance podiums; ❯ the mutual insurance dynamic; ❯ our ambition. ❯

OUR PILLARS OF TRANSFORMATION

1.4.3

Our five pillars of transformation are our response to the Group’s long ‑ term challenges and the structural changes in society. They allow us to adapt our organisation and our business lines over time in order to stay one step ahead and anticipate future developments. To enable each of our customers and members to build their lives with confidence, the quality of the support we provide to them is a priority. Pillar 1: Rekindling the customer relationship Customer satisfaction is at the heart of the Group’s concerns.It is both a mutual insurance requirement and a commitment from each of our companies. To be one of the favourite insurers in France, the Group has chosen to establish a unique, differentiating relationship with our customers based on proactive advising. The circumstances in recent years have provided an opportunity for the Group to re ‑ express its attachment to this attentive and human relationship. In line with the dynamic begun several years ago, the Group has continued its efforts to develop human, proactive, non ‑ commercial contacts with its customers and members. In 2023, more than 1 million customers and members were contacted as part of this initiative. Pillar 2: Growth drivers through services Our development in services is a priority. Our ambition is to support our customers with solutions combining insurance, services, and prevention. In 2023, the Groupama Habitat Protect remote surveillance offering was once again promoted, and sales continued to increase compared with 2022 despite an unfavourable environment. At the same time, a number of experiments were set up with a view to supporting our customers and members in the changes they are facing (climate change, ageing society, energy transition, etc.). Lastly, the continuation of the Volt’terre open innovation programme with its five regional, themed startup accelerators demonstrates the Group’s drive for innovation in services and support solutions. This programme enabled several experiments to be launched, some of which have been made permanent and incorporated into our offerings this year.

1.4.1

OUR CORPORATE PURPOSE

1.4.2 The transformation of Groupama SA into Groupama Assurances Mutuelles in June 2018 restored the Group’s consistency based on three levels of mutualisation: local, regional, and national. The Group wished to mark this transformation by reaffirming its corporate purpose: “We are here to allow as many people as possible build their lives confidently. To do this, we rely on humane, caring, responsible communities”. This corporate purpose explains why our Group has been in existence for over 100 years and embodies the mutualism of the future, a beacon of hope for future generations. The Groupama group is thus demonstrating its commitment to its mutual insurance background and to the human values of solidarity, accountability, engagement, and optimism to use them in an ambitious economic venture for its members and customers to enable as many people as possible to build their lives with confidence. In line with its corporate purpose, the Group has defined its CSR approach, which defines how we want to act to build a sustainable economic development model in line with our values. The Group defined its priorities for 2022 ‑ 2024 based on five pillars and foundations: strengthening a human, proactive, responsible relationship, offering protection solutions in response to changes in the environment and lifestyles, actively contributing to the sustainable development of local life, a clear public sustainable savings and investments policy shared throughout the Group, and commitment – a committed group where everyone acts proudly in line with our values (reducing the carbon footprint of our operations, giving our employees a rewarding experience, which in turn ensures their full commitment, a “native” CSR approach, and responsibility). Through this sustainability approach, the Group affirms its action as a responsible and trusted player, attentive to its impact on society and the environment. OUR SUSTAINABILITY APPROACH

10

Universal Registration Document 2023 GROUPAMA ASSURANCES MUTUELLES