UNIVERSAL REGISTRATION DOCUMENT 2023

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

With regard to sustainable savings, Groupama, via its subsidiary Groupama Gan Vie, has been offering its savers the opportunity to contribute to the global objective of reducing the carbon footprint via “Porphyre Transition Climat Septembre 2022”, a green debt security issued by Crédit Agricole CIB. This security is built to limit its carbon footprint, and also includes a mechanism to offset the residual emissions of the investment. All these aspects, as well as the policies implemented and the results, are presented in detail in the document published each year by Groupama, the reporting under Article 29 of the Energy Transition Law (LEC), available online: in 2023, Groupama, the third ‑ largest institutional owner of French forests, through Société forestière Groupama, acquired 800 hectares of forests in Haute ‑ Marne. ❯ Groupama.com : https://www.groupama.com/app/uploads/ 2023/10/Groupe_Groupama_Rapport_Climat_ESG.pdf ❯ As an institutional investor, Groupama has emphasised its responsible investment policy and its commitment to the energy transition by joining the Net ‑ Zero Asset Owner Alliance, supported by the United Nations. The Net ‑ Zero Asset Owner Alliance is a United Nations ‑ supported initiative that brings together international insurers and pension funds committing to transition their investment portfolios to carbon neutrality by 2050. The members wish to contribute to limiting global warming to 1.5 °C above pre ‑ industrial temperatures, in line with the Paris Agreement. At the same time, the Groupama group has become a member of the PRI (Principles for Responsible Investment). In 2023, Groupama published its intermediate targets (https:// www.groupama.com/app/uploads/2023/09/ Groupama ‑ NZAOA ‑ targets.pdf): €1.2 billion in additional sustainable investments between 2022 and 2024; ❯ 50% reduction in the carbon intensity of equity and bond portfolios between 2021 and 2030, in line with the Paris Agreement; ❯ Groupama also engages companies on climate issues through its asset Manager, Groupama Asset Management. ❯ Performance indicator Amount of assets covered by an “ESG” analysis – by the Group excluding unit ‑ linked: €60.66 billion, or 91% of assets under management at end ‑ 2023. Additional indicators (1) Over the year, at Group level, €1.2 billion in additional sustainable investments were made, bringing the total amount to €5.3 billion (investments meeting the definition adopted by the Group to date and set out in the sustainable investment charter). The Group has thus exceeded its commitment to make an additional €1.2 billion in sustainable investments between 2022 and 2024, with the total invested since the start of 2022 reaching €2.3 billion. ❯

The foundations of this sustainable investment strategy, which aims to deliver returns and profitability, while delivering positive and sustainable results in the economy and society in general, are shared by all of the Group’s entities and formalised in a sustainable investment charter, the common principles of which were adopted by the Boards of Directors of the Group’s entities at the end of 2022. With regard to property assets, the Group and its subsidiary Groupama Immobilier pursue a certification policy on property, energy improvement, asset restructuring to control carbon impact, and sustainable forest management (regarding forests, see “Group Ecological Footprint”). In 2022, Groupama Immobilier joined BIG (Biodiversity Impulsion Group), a research programme on the biodiversity footprint of property projects. BIG aims to develop a common set of indicators and measurement tools to assess and improve the biodiversity footprint of property projects (protection of biodiversity in urban areas). Note: investments to finance transitions: at the end of 2018, we had publicly committed to investing €1 billion between 2019 and 2021 in favour of the energy transition, the target was reached before the end of 2021 by investing a little more than half in green bonds and the rest in property (renovation and/ or construction work, acquisitions of certified assets) and energy infrastructure (wind and solar farms, hydroelectricity). In 2022, we strengthened our commitments to financing the transition by committing to make €1.2 billion in additional sustainable investments for the 2022 ‑ 2024 period. See below for performance at end ‑ 2023. ❯ in 2021, Groupama launched its first issue of green subordinated debt for a total of €500 million. The annual report on the use of the amount is available in the “Investors/ Financing/Green Bond” section of Groupama’s website at www.groupama.com; ❯ in terms of property assets, Groupama is one of the “game builders” and is contributing its expertise to the athlete village project for Paris 2024 by participating in the construction of an eco ‑ neighbourhood in Saint ‑ Denis. 2021 saw the start of the construction of “The Link” in La Défense (two connected towers), which will be certified HQE Exceptional (delivery in 2025), owned by Groupama. The Reuse Booster, a collective action initiated by Groupama Immobilier in 2020, continued to grow with the participation of more than 50 property clients (investors, developers, and users). This community is driving the transformation of the construction industry in France, with a view to making widespread use of the reuse of building materials (440 teqCO avoided for the building site at 21 boulevard Malesherbes in Paris); ❯ 2 In addition, we will strengthen our individual or collective engagement with companies in the utilities and energy sectors; — a policy of engagement and dialogue (including voting at General Meetings and dialogue) contributing to, among other things, the decarbonisation of our portfolios; ❯

(1) Environmental, social, and governance criteria.

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Universal Registration Document 2023 GROUPAMA ASSURANCES MUTUELLES