UNIVERSAL REGISTRATION DOCUMENT 2023

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

However, there are issues to be taken into account in our operations: the carbon impact of travel, large desktop publishing budgets, paper, energy, and equipment purchases, waste management, recycling, the fight against waste, circular economy for furniture, etc. Although our activities inevitably have an impact on the environment, they do not pose significant threats to biodiversity, water, or land use. Risk control levers With regard to buildings, regulatory obligations related to ICPE classification – establishments that may create risks or cause pollution or nuisance, in particular for the safety and health of residents – are monitored and controlled. In connection with its sustainability strategy, the Group is committed to reducing its CO emissions and fighting climate change, both through its organisation and by encouraging the eco ‑ friendly behaviours of its stakeholders (including employees ). The Group has voluntarily set a goal of reducing carbon emissions from its operations by 15% between 2013 and 2022: target achieved at -17.5% (see 2022 DEFP). The 2020 ‑ 2021 health crisis naturally had a major impact on the trajectory of carbon emissions. In 2022, the Group decided to accelerate and strengthen its reduction target, initially by 2024 and then over a longer period (2030). See next point, “Climate change and protecting biodiversity”. With regard to reducing the ecological footprint – including carbon – the initially identified levers pertain to energy consumption, business travel (including the fleet purchasing policy), and paper consumption. The Group’s Sustainability Department drives this objective by sharing information, by promoting community actions, in particular by sharing good practices ( e.g. regarding mobility and decarbonisation initiatives) with the network of CSR officers, Logistics/Purchasing WG led by Groupama Supports & Services, and, since 2023, with the Decarbonisation Operational Committee. Travel and consumption The structural efforts made by the Groupama group and its companies over the last ten years have paid off. Concrete actions have already been implemented and will be stepped up: 2 (3) initiatives taken in terms of travel: identification of avoidable kms travelled, development of solutions allowing remote meetings; on decarbonisation: gradual renewal of fleets with replacements with lower ‑ emitting vehicles , including electric or hybrid when possible, favouring train travel (rather than plane or car), and implementation of Sustainable Mobility Plans; ❯ (4)

Groupama wishes to play a role in facilitating access to the agricultural low ‑ carbon market by offering, with its partner Stock , a solution that both protects the farmer’s commitment and reassures the investors who support the farmer. Today, Groupama Forêts Assurances has: 4,000+ members for: CO2

more than 330,000 hectares; ❯ €520 million in fire ‑ insured sums; ❯ €370 million in storm ‑ insured funds. ❯

4.2.4.2 For over 10 years, the Group has been a partner of the Graines d’agriculteurs competition, which rewards new talent in agriculture. In 2023, the chosen theme was “innovative practices to reinvent livestock farming”, with a particular focus on environmental protection. Performance indicator Rate of change in the number of “infrequent driver” motor policies in the portfolio: 938,614 policies (912,456 policies in 2022), i.e. 3%/2022. These options, which have risen sharply since 2020, continue to grow. Other indicators with an “environmental” dimension Number of electric vehicle policies: 34,837 policies (up 64% from 2022 and 254% from 2021), with strong growth since 2020. Number of corporate environmental TPL policies: 1,029 Arden policies or +3.4% from 2022; and environmental cover in corporate TPL: presence in approximately 3,994 policies (same as 2022). Additional indicator Proportion of non ‑ life insurance contributing to climate change adaptation, “aligned” as defined by the European Taxonomy (proportion of premiums from policies providing protection against weather ‑ related perils); see section 4.2.5 of this document. (1) (2) The risks of damage to the environment and the climate associated with our organisation’s activities are a sustainability issue relevant to all players. The management of climate and environmental issues for our operations is therefore part of a wider material IRO area (which includes the impact of these issues on the business model and the territorial footprint of the activity). The main risks are related to buildings classified as ICPE (Installation Classée pour la Protection de l’Environnement). In addition, the impacts that our facilities–and therefore our employees–could suffer are well taken into account in the actions to control social risks. Our organisation’s ecological footprint is shrinking

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

Less than 8,000 or 10,000 km depending on the brand. With environmental characteristics or environmental objectives.

The indirect impacts associated with offerings, investments, or purchases are discussed in parts 4.2.4 and 4.2.5. Ordered from a community catalogue, the Group’s companies can use increasingly low ‑ emission car models.

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Universal Registration Document 2023 GROUPAMA ASSURANCES MUTUELLES