UNIVERSAL REGISTRATION DOCUMENT 2023

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

In 2023, Groupama launched a programme to further integrate sustainable transitions into its non ‑ life insurance offerings. Anticipating risk: prevention, a strong policy of Groupama for more than 60 years Driven by the strong convictions of the mutualist Directors (elected representatives) and the employees, it favours anticipation and long ‑ term actions to serve our members and customers. For companies of the Group, applying a large ‑ scale prevention policy means encouraging the emergence of responsible attitudes towards risks while being economically efficient. The prevention actions carried out are diverse, based on two areas: technical prevention (company risk visits, advice on electrical or alarm installations, etc.) and awareness ‑ raising prevention initiatives with numerous communication media (newsletter, SMS, email, app, etc.). Its implementation can also be supplemented by institutional prevention actions for the general public, customers, or non ‑ customers (road safety awareness for schoolchildren, prevention of accidents in the home, lectures on health topics, meteorology, and climate change, checking of extinguishers, life ‑ saving actions, etc.). Prevention has taken shape over time through multiple individual or collective, innovative, or original actions seeking to reinforce the safety of individuals and property on all of their private and professional risks. The deployment of prevention actions conforms to a strategy specific to the Group, a source of expertise and legitimacy: integration of dedicated resources (teams of prevention inspectors, Centaure centres, etc.), partnerships of excellence (Predict, Météo France, the Prévention Routière road safety association, national police force, highway companies, etc.), and local actions thanks to exceptional coverage of the territory. For example, for many years, the Group has been providing road safety training: “Dix de conduite jeunes” (for schools) and “Dix de conduite rurale” (on safety rules for driving agricultural machinery). In 2021, the Confédération de l’Artisanat et des Petites Entreprises du Bâtiment (CAPEB) and Groupama signed a partnership to pool their know ‑ how and respond to the needs of companies and craftsmen in the sector, and to raise their In the healthcare offer, human care before, during, and after health problems: provision of home help from 24 hours of hospitalisation and in case of immobilisation, time to recover, €400 released for more comfort during a hospital stay for loyal customers. ■ Research was conducted beforehand, in collaboration with the Financial Solutions Unit, Groupama Asset Management, our other partner management companies, and the Groupama Health Foundation. Remote medical consultation. Since 2022, the two million or so people insured under the “Groupama Santé Active” package have benefited from an enhanced medical teleconsultation service. The main changes include the implementation of a custom Web service that simplifies the user experience and facilitates the use of this service. Twenty medical specialities are covered by this Groupama service. ■

awareness of occupational risk prevention, with the support of IRIS ‑ ST (Institute for Research and Innovation in Health and Safety at Work). This partnership, continued in 2023 – in particular with a road ‑ safety campaign – reinforces the actions already initiated and developed over several years by the local entities of the CAPEB and the Groupama regional mutuals. Also, with regard to professionals, an innovation recognised in 2023 should be noted: Argus d’Or awarded to Gan Assurances in the Non ‑ Life Insurance – Claims Management category with the Prévention Pro tool, which makes full use of the capabilities of AI to help customers analyse their needs more closely. The Predict prevention service includes support in preparing operational risk management documents required by prefectures, such as the Local Response Plan (PCS) and 24/7 expert support for anticipated risk information. Local authorities benefit from a dedicated Web space, combined with personalised warnings at the municipality level. Thanks to these adaptive solutions, numerous safety measures are initiated each year. Fifteen million alerts were sent to members in 2023. Worsening weather conditions, road safety, regulatory changes… Elected representatives of local authorities are faced with an increasing number of situations that require expert support. Groupama, the leading insurer of local authorities, assumes this role with them and helps them to exercise their responsibilities in all circumstances. The 2023 “Salon des maires et des collectivités locales” in Paris was an opportunity to recall Groupama’s support. Since 2018, Groupama has been a partner of the Ville Prudente organisation, which works to secure and ease traffic in villages and cities. It rewards local authorities through certification (sign at the entrance of the municipality). The Group is developing–and will increasingly develop– prevention services in connection with the growth of connected objects (particularly through auto, home, health, with young people, seniors, professionals including farmers and businesses, etc.). One example is the new Groupama Box Habitat, which offers a prevention/protection solution that extends to the home and not just property. This service warned nearly 1,200 homes of the presence of smoke and 800 of the risk of flooding in 2023. Note the great success of the Liberty Rider app, associated with the two ‑ wheel offering rolled out with all the regional mutuals, aimed at the safety of our members. Today, more than 5,000 members are equipped with it. As of 31 December 2023, Liberty Rider secured nearly 10 million kilometres, sent more than 150,000 text messages to reassure family and friends, had 73 rescue operations, had 95 users who said they avoided an accident thanks to the dangerous bend alerts, and saved six lives. Our prevention actions group together five major areas: health, road safety, home risks, agricultural prevention, and industrial risks and local authorities. Content on prevention is regularly posted communicated through customer newsletters, brochures, etc. and on the social networks, on the X (formerly Twitter) accounts, or Facebook pages of the Group’s various entities.

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Document d’Enregistrement Universel 2023 GROUPAMA ASSURANCES MUTUELLES