UNIVERSAL REGISTRATION DOCUMENT 2023

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

4.2.1.5 In addition to cover needs, Groupama is developing a comprehensive analysis of the risks to which its members and customers are exposed and a comprehensive prevention approach. Our actions and measures during the health and economic crises since 2020 perfectly illustrate this sense of sharing and support for stakeholders. Throughout these last few years of crises, Groupama’s employees remained continuously mobilised to assist our members and customers with the support of our mutual insurance elected representatives. The Groupama elected representatives form real communities of mutual assistance in their department, particularly during exceptional events; it is the feeling of usefulness that drives them, the conviction of being mediators on the ground and players in local solidarity. Groupama fully integrates the liability and the induced risks related to its territorial presence (see section 4.2.2.1, Risk Assessment). Our group and its companies have long been immersed in and attentive to the local ecosystem. This is part of our DNA. Our ambition is to be a key player in our territories by pursuing a strong regional policy of partnerships/philanthropy with the local ecosystem by remaining the leading insurer for small and medium ‑ sized communities and by continuing to open branches and management sites in the regions. Groupama is also the insurer for all agricultural needs and number 2 individual health insurer contributing to access to medical care in France. Supporting regional players – including local authorities, businesses and professionals, individuals, and associations – in meeting the challenges of transition has a very strong local dimension, particularly in relation to the issues of climate change adaptation, preventive actions (such as Predict and road safety), and the development of major woodlands and low ‑ carbon solutions. All these aspects are discussed in the sections of this document. Groupama has 27,000 elected representatives and 31,000 employees in France and around the world. The mutualist territorial network is led in particular by the local network consisting of elected representatives, who interact with policyholders and players in the territories. The Group promotes this mutual insurance dynamic by developing training for elected representatives, especially in territorial intelligence, by encouraging them to share good practices with each other, and by optimising discussions for strong synergy with employees, in particular those responsible for promoting mutual insurance principles and commercial development. The elected representatives have confirmed their strong desire to act (to be useful, to be of service) and work even more closely A committed local player with an exceptional network of 58,000 elected representatives and employees

with employees to serve their members and their training needs (skills on offers and on techniques for leading meetings or speaking). Groupama’s elected representatives are a mutual assistance community: “link builders”. In 2022, a “manifesto” was devised with the elected representatives on Groupama’s mutual insurance and the role of elected representatives to truly highlight the uniqueness of our model. Special “expert” training is available for elected representatives to help them respond to exceptional events. On the groupama.fr website, the section www.lavraievie.groupama.fr, a real external showcase for actions in the regions, promotes mutual insurance concretely, as well as the La Vie Mutualiste Groupama account on the social networks X (formerly Twitter), LinkedIn, and, since 2023, Instagram. Some figures… €27.4 million was paid to local authorities in the form of the territorial economic distribution (CET) in 2022 (the amount for 2023 will be known in spring 2024). €12.7 billion in benefits were paid in 2023 to our policyholders to allow them to protect their economic activity and their family life. For employment, the Group and its companies represent more than 25,000 employees throughout France, and recruitment events are organised each year in large metropolitan cities. Groupama and its companies sponsor a number of agricultural training and research projects. Approximately 45% of the Group’s purchases (excluding insurance purchases) were made from VSE ‑ SMEs. The Group’s companies share good practices to develop local or “inclusive” purchases (purchases that promote the development of the territories, diversity, the development of VSE ‑ SMEs, or the SSE ). The Group is a member of PAQTE , a public initiative that also aims to develop purchases in less ‑ favoured geographical areas. Mutualist certificates issued by the regional mutuals (eight in mainland France and one overseas) strengthen their capacity to invest in the regions and reinforce solidarity. Mutual certificates subscribed by the members totalled €583.9 million overall , including €23.3 million collected in 2023. The regional mutuals are reinsured by the central body, the Groupama Assurances Mutuelles national mutual. In addition to the impacts of our economic activity–through local employment, payment of benefits, tax contributions, etc.– the Group conducts multiple actions to support the socio ‑ economic vitality of territories and various economic initiatives in all forms, academic partnerships, solidarity actions, and philanthropy. Groupama supports economic players having a positive impact on the territories and maintains close ties, often in the form of partnerships or agreements, with professional bodies (chambers of trades, CAPEBs, chambers of agriculture, CCIs, trade unions, and entrepreneur networks). (1) (2) (3) (4) (5)

(1) (2) (3) (4) (5)

The exact figure for 2023 is €12.705 billion, including €10.893 billion in France, combined scope (France and International), excluding claims management costs. The exact figure for 2023 is 25,250 at 31 October. Social and Solidarity Economy. See section 4.2.2.3. €637 million if certificates held by the regional mutuals and those placed with Groupama Assurances Mutuelles are also considered.

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Universal Registration Document 2023 GROUPAMA ASSURANCES MUTUELLES