UNIVERSAL REGISTRATION DOCUMENT 2023

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

4.2.8.2 Summary of risks, topics, and key performance indicators

Group risk classification

(1)

Main risks and their definition

Point in the text

Key performance indicators UN SDG correspondence

SOCIAL: Employability/Skills adaptation Risk of inadequacy of skills with changes in the business lines: risk of not taking into account in our training and recruitment changes imposed by our environment and which will have an impact on the capabilities of employees (increasing complexity of insurance products, digitalisation, big data, AI, etc.) SOCIAL: “Working well together” Risk of not taking into account in our social policy the pressure suffered due to the demands of results, psychosocial risks (PSR) and contemporary social aspirations (quality of life at work and daily transport, balance between private and professional life, salary, and professional development) SOCIAL: Equality/Diversity Risk of a breach of equal treatment for certain identified categories–young people, women, people with disabilities, seniors– during their working life (in recruitment, integration, and professional pathway including training) and risk of isolation from the active forces of society SOCIETAL: Quality of advice Risk of failure to exercise the duty to advise and of providing non ‑ explicit, erroneous or misleading information SOCIETAL: Protection needs (coverage of societal issues) Risk of not taking into account the needs in terms of protection, linked to the challenges of transition (demography, mobility, digital, new forms of work, urban violence…) and of not taking into account the budgetary capacities of the insured (accessibility to insurance) SOCIETAL: Policyholder data protection Risk of not considering the (potentially negative) impacts of our services and data protection arrangements on the integrity of our policyholders SOCIETAL: Customer satisfaction Risk of failure at key moments in the customer relationship

HR risk

Point 4.2.3.1.

Rate of employees trained

❯

Absenteeism rate ❯

HR risk

Point 4.2.3.1.

Rate of female executives

HR risk

Point 4.2.3.1.

❯

Rate of female senior executives

❯

Rate of business in delegated or recommended management

Lack of advice Point 4.2.3.2.

❯

Unavailability Non ‑ compliant service

Point 4.2.3.2.

Score out of 20 points on 4 relationship ‑ based criteria Claims management: Rate of “Very Satisfied” Rate of external (customers or non ‑ customers) and internal individuals made aware of or trained in prevention actions/number of employees

❯

❯

Non ‑ life underwriting risk

Point 4.2.3.2.

❯

Rate of GDPR training for newcomers

Lack of data protection and system security

Point 4.2.3.2.

❯

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Document d’Enregistrement Universel 2023 GROUPAMA ASSURANCES MUTUELLES