UNIVERSAL REGISTRATION DOCUMENT 2023

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

Services are expanding , particularly in health (nutrition portal and Mon Kiosque Santé – top of the list of apps most consulted by our customers, enrichment of the Sévéane care network, medical teleconsultation in all policies, and multiple personal services to help people get going again, such as Relaimoi). Groupama, the insurer of the territories, is also involved in studies to combat “medical deserts” by working on service (1) In terms of agricultural offerings, Groupama has continued to ramp up its products and services to support the multifunctional, multidisciplinary nature of farmers, whose role is vital. Farmer resilience and the design of offerings related to agricultural transitions are essential . ❯ (2) We are attentive to developments and new expectations in the sector, which create new risks and to which Groupama is already prepared to respond (direct distribution, transmission of farms, energy transition, agro ‑ ecology, cyber risk, etc.). At the 2023 Paris International Agricultural Show, Groupama presented its advances in parametric insurance. Based on the collection and processing of a wide range of data (temperature, rainfall, humidity levels, images, etc.), Groupama launched this insurance, which opens up major prospects. In particular, it can automate processes, speed up treatments, and process very large areas over long periods. The environmental and climate aspects of agricultural offerings – such as climate insurance including grassland insurance and low ‑ carbon insurance – are mainly covered in the Environment/Climate and Offerings section of this document. The challenge of renewing the generations of farmers – half of all farmers will retire in the 2020s: the issue of transferring farms and setting up new ones is major. For Groupama, a long ‑ standing insurer of farmers, this topic is a priority. Groupama offers a full range of asset strategy support and is developing its range of advice on preparation, cost optimisation, etc. (four free assessments). As part of the government roadmap to combat agricultural anxiety, Groupama put in place in 2022 a psychological support system for farmers in hardship, in addition to the actions deployed by other organisations such as MSA and the chambers of agriculture. At the same time, two free psychological support sessions, with clinicians and specialists, are open for all farmers insured with Groupama. Note that for local shops, the coverage of complementary activities of line sales is given without additional costs. Home ❯ In 2023, Groupama entered into a partnership with Maison Saint ‑ Gobain to facilitate its customers’ energy projects (see Environment/Climate and Offers section). solutions with municipalities and physicians. 2023 focus on the protection solutions

Groupama’s remote surveillance solution offers complete protection of the household by protecting against burglaries, but also from the risks of flooding, fire, assault, or power outage. Only Groupama currently offers these services on the market. At Groupama, the opinion of our customers counts, and our remote surveillance system is changing to best meet the expectations of our members. Groupama Box Habitat was enhanced in 2022 with the indoor camera to listen to and see in real time what is happening at home from the mobile app, new features for remote management of the simple and secure remote surveillance system, and a guarantee of the quality of our services to secure the installation and reassure our customers in the event of a breakdown or malfunction of the system or a complaint. See “Prevention” below. Cyber risks ❯ A self ‑ diagnosis solution for business customers is being rolled out. Demographic/ageing transition ❯ Retirement: in the wake of the new PACTE law, Groupama Gan Vie successfully launched its range of Retirement Savings Plans (PER) and associated services (advice, simulations, etc.). Groupama’s ambition is to become a key player in the French market in the social issue of retirement, by offering advice and global solutions. The “Ma Nouvelle Vie” retirement platform is breaking records: more than 1 million annual visits. ■ As a life and health insurer, we have always believed that information and education remain key. Future retirees know little about the transition. The third edition of the retirement sessions in October 2023, organised by Groupama, in partnership with SAPIENDO, once again demonstrates our desire to explain and reflect together on solutions that will support both the general interest and the individual interest. ■ In five years (2017–2022), Groupama doubled its market share in France in pensions (to over 7%). In savings, the Groupama group’s delegated management, designed by Groupama Gan Vie and deployed in all the Group’s networks for the last five years, comprises five profiles: conservative, moderate, balanced, dynamic, and aggressive. 80% of our payments are now made on these profiles. ■ In 2021, Groupama duplicated all its delegated management profiles in “sustainable” management. In 2023, Groupama Gan Vie has launched a diversified fund incorporating the most conservative products and property assets to guarantee profitability. Projects funded by these savings vehicles are in line with our customers’ main concerns and human development (education, gender equality, etc.).

(1) (2)

See Groupama press release dated 31 May 2022: How Groupama helps caregivers. Given the importance of this market for Groupama, the impacts, risks, and opportunities of designing agricultural transition offering are considered “material”.

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Universal Registration Document 2023 GROUPAMA ASSURANCES MUTUELLES