UNIVERSAL REGISTRATION DOCUMENT 2023

2 THE GROUP’S BUSINESSES Insurance in France

2.2.3.1 Automotive and Mobilities Groupama ranks number 4 on the French motor insurance market ( source: L’Argus de l’Assurance – May 2023 ) and insures more than 3.8 million passenger vehicles. The Group offers a complete, innovative range of products and services at competitive prices responding to the major trends in consumption and including an original value ‑ added service offering, for example for electric vehicles, as well as a unique prevention offering via the Centaure driving training centres, for policyholders and their children, also available to all drivers. Changes in car use (car sharing, carpooling, lease ‑ purchase plans/long ‑ term rentals) and increasing and complementary use of other modes of transport (bicycles, electric bicycles, electric scooters) are areas where Groupama has established a position to offer its customers solutions in line with their needs and changes in the mobility sector. Multi ‑ risk home Groupama ranks number 4 on the French home insurance market ( source: Argus de l’assurance – May 2023 ). As at 31 December 2023, the Group had 3.4 million insured homes. Groupama’s range of home insurance solutions are comprehensive and very well positioned from a price point of view and allows it to reach a very broad target. Each year, we work to adapt the general terms and conditions and add types of cover or even services in order to adapt to changes in the Company. 2.2.3.2 2.2.3.3 (a) Services Assistance, Affinity Insurance, Services The Group is a leading player in the assistance market, via its subsidiary Mutuaide, which is present in all the assistance business lines (car breakdown assistance, personal assistance, medical repatriation, and home care). Mutuaide has also specialised in affinity insurance, which makes it possible to offer – to the Group and outside the Group – travel cancellation insurance, mechanical breakdown insurance, household property loss, theft, and breakage insurance, etc. To supplement its offering, Mutuaide also offers services such as crisis management, personal services, and event medicalisation. Legal Protection Groupama is one of the leading players in France in the legal protection market, with insurance cover managed by Groupama Protection Juridique and the Groupama regional mutuals. With this cover, Groupama provides support to policyholders, whether individual or professional, who face situations of conflict, by helping them to assert their claims and assuming the corresponding expenses. Customer satisfaction is a core concern for Groupama Protection Juridique, which relies on strong operating performance and the advanced legal expertise of its legal teams. (b)

(c) Credit Insurance and Surety Groupama offers credit insurance and surety solutions through its subsidiary Groupama Assurance ‑ Credit & Caution. Its premium income amounted to €64 million as at 31 December 2023. The products are marketed by the regional mutuals, Gan Assurances agents, and a network of multi ‑ line or specialist brokers. Agricultural insurance Groupama, the insurer of choice in the agricultural world, has an ever ‑ increasing presence with farmers and supports cereal farmers, breeders, winegrowers, market gardeners, arboriculturalists, equestrian professionals, and other sectors at all stages of their business as a farm operator with agricultural insurance adapted to protect the farmer, the farm Manager, and their relatives, employees, and partners. The Group, armed with its OPA status and within the French agriculture council (CAF), has chosen to adopt a pedagogical attitude towards farmers. Groupama’s “CLIMATS” multi ‑ risk weather insurance for crops is one of the main tools for financially securing a farm in the event of weather events impacting crops. Groupama is heavily involved in the work to reform crop insurance and has embarked on a proactive educational policy for the agricultural market. The crop insurance reform, which came into force on 1 January 2023, and the better coordination with the Fonds de Solidarité Nationale, eliminating the competition with Calamités Agricoles, have revitalised grassland insurance and increased the distribution of insurance from around 2% to 10% of France’s surfaces, including 7% by Groupama. In addition, Groupama constantly adapts its risk prevention approach to respond to farmers’ issues. The aim is to support farmers in their daily lives in the development of their businesses by offering them services such as advisory visits to analyse the risks present on the farm or even personalised prevention plans. Groupama offers innovative services to enable farmers to look after their farm (connected fodder probes, smart video ‑ surveillance cameras). Groupama’s expertise can also be seen in its technical support for business diversification, such as methanisation and development of direct distribution. In 2023, Groupama continued to support low ‑ carbon development by launching Groupama Emprunteur Bas ‑ Carbone, integrated into agricultural projects certified by Stock CO , a carbon offsetting operator. The aim is to protect the financing of a project if the farmer is no longer able to operate. Professional insurance This category includes micro ‑ enterprises, very small businesses, and heads of independent companies (fewer than 20 employees) with very diverse profiles (craftsmen, retailers, self ‑ employed professionals, and service providers). The Group has updated its comprehensive range of offerings and has diagnostic tools that enable risk analysis and advisory services that meet customers’ needs as closely as possible. The Group can offer all insurance solutions useful for professionals for both their business and their private life. 2 2.2.3.4 2.2.3.5

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Document d’Enregistrement Universel 2023 GROUPAMA ASSURANCES MUTUELLES