UNIVERSAL REGISTRATION DOCUMENT 2023

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 2023, audited by the statutory auditors. The social, societal, and environmental information published in this “declaration” covers all entities within the scope of the combined financial statements, namely the regional mutuals, subsidiaries, and national entities. This approach provides a significant, comprehensive assessment of Groupama group’s progress in sustainability in terms of understanding non ‑ financial issues and risks, the steps taken, and the results. The elements of the Group sustainability strategy are also summarised in section 4.1 of the 2023 “URD” and in the Groupama group’s annual report. (1) (2)

SUMMARY

faced with the challenge of renewing agricultural generations, Groupama offers farmers comprehensive support from experts (prevention, retirement, succession), ■ in savings, as part of the enhancement of the range of sustainable and responsible offers, Groupama Gan Vie launched an offer in 2023 focused on human development (education, equality, etc.) in line with our customers’ main concerns, ■ Groupama’s 50 fund was awarded the SRI label in 2023, ■ th the level of commitment to prevention is reflected in nearly 200,000 awareness ‑ raising actions, including the “Les Gestes Qui Sauvent” campaign, which exceeded 100,000 people in 2023 since its launch at the end of 2021; an extensive advice section has been posted online on groupama.fr; ■ the Group is doing its part to contribute to the ecological transition: ❯ by making sustainable investments; over the year, at the Group level, €1.2 billion in additional sustainable investments were made, bringing the total estimated investments to €5.3 billion; 91% of the Group’s assets under management (excluding unit ‑ linked assets) are managed according to ESG criteria, ■ by developing resilience offerings, such as the new format of crop insurance, including grassland insurance, in 2023 – and the contribution to climate change mitigation: insurance for renewable energy systems including photovoltaic panels (50% of installations insured by the Group), launch of insurance for low ‑ carbon projects in agriculture, doubling of the insurance portfolio for electric vehicles since 2021, and now around 14% of car repair cases using reuse parts (compared with 11% in 2022). For individuals, the Group entered into a partnership with Maison Saint ‑ Gobain in 2023 to facilitate energy projects, ■ in line with the above points, Groupama is continuing to reduce its ecological footprint, with a range of 20% reduction in its carbon footprint from energy consumption and business travel between 2019 and 2023, ■

The major points of the 2023 fiscal year were the following: our Group’s social performance was solid, with: ❯ gender equality now established throughout the Group in the managerial population (+50%); the percentage of women in senior executive positions is close to 30%, ■ training covering almost all our employees, ■ a continued increase in recruitment level, now exceeding 3,000 in France on permanent contracts; in France, as in 2022, the entities recruited more than 1,000 work ‑ study participants (1 in 5 is recruited), and the direct employment rate of people with disabilities, published in 2023, once again exceeded the demanding threshold of 6%; note that the proportion of older workers in the workforce increased slightly to 31.6%, ■ the Group’s overall absenteeism rate fell to 7.5% and, for illness and accidents in France, decreased by nearly 1 point to 4.95%. ■ These improvements are viewed positively by our stakeholders: the employee commitment rate measured by the 2023 opinion poll is higher than the IPSOS European Insurance benchmark, seven companies were awarded the “Top Employer” label, and Groupama is in the top 5 in the 2023 Universum ranking. Groupama is committed to supporting its customers and members as they face the challenges of transition, which create new needs in terms of insurance, service, and savings, including: ❯ non ‑ commercial proactive calls again exceeded 1 million in 2023, ■ Groupama’s elected representatives and employees supported members and customers during weather ‑ related events in 2023, such as the earthquake in southwest France in June, inclement weather in the south in September, the Ciaran and Domingos storms in autumn, and floods in Pas ‑ de ‑ Calais in November, ■

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

(1) (2)

73

Document d’Enregistrement Universel 2023 GROUPAMA ASSURANCES MUTUELLES