Groupama // Universal Registration Document 2022

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

4.2.3 ADAPTING TO CLIMATE CHANGE: THE GROUP’S ECOLOGICAL FOOTPRINT

The structural efforts undertaken by the Groupama group and its companies over the past 10 years have paid off – see the carbon performance indicator in section 4.2.3.2. Concrete actions have already been implemented and will be stepped up, led by four dedicated working groups, sponsored directly by CEOs, set up in 2022: 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; ❯ (2) actions undertaken on consumption at the sites: renovation of sites or relocation ( e.g. , Astorg site and numerous management sites and agencies), modification of heating methods (elimination of fuel oil, reduction of gas, etc.), improvement of energy management at the sites (this action alone makes it possible to reduce consumption by 5%), “relamping” ( e.g. , installation of LEDs), implementation of teleworking associated with flexoffice ( e.g. -30% of m on Campus in Nanterre between 2022 and 2024), systematic review of sites ( e.g. -33% of m at the management sites of a regional mutual between 2017 and 2021). ❯ 2 2 The companies are adopting mobility plans (transport) in accordance with the mobility guidance law. For example, the measures provided for in the 2022 draft agreement on the scope of the UES will result in the development of carpooling, the sustainable mobility package, and the promotion of bicycle travel in 2023. The development of pull printing – badge recognition at printers – and default configuration allows for more reasonable printing management, and the use of remote dialogue/meeting tools available to the employees of the companies – going forward the DCS ‑ Office 365 ecosystem (at the workstation) deployed starting in March 2020 – reduces travel. As part of the energy sobriety plan required by the French government at the end of 2022, the Group signed up on the “Enterprises” platform, responding positively to three initiatives already implemented within the Group:

Although the risks of environmental and climate damage associated with our organisation’s activities are non ‑ material, this is a CSR issue that is relevant to all stakeholders. 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. 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 In connection with its CSR 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. The 2020–2021 health crisis naturally had a major impact on the trajectory of carbon emissions – see points 4.2.3.1 and 4.2.3.2. As a result, emissions in 2022 were up again from these low levels. The Group has reinforced its reduction target for 2024. The risk is controlled by the Risk Management Systems (RMS). 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. With regard to reducing the ecological footprint, the levers pertain to energy consumption, business travel (including the fleet purchasing policy), and paper consumption. The Group’s CSR team 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 facilitators and the Logistics WG led by Groupama Supports & Services and including the regional mutuals. 2 (1)

lighting; ❯ energy performance of operating buildings; ❯ management of consumption. ❯

The Group is part of the EcoWatt approach proposed by RTE and is committed to relaying alerts to its employees. The Group also assessed the actions it could take to avoid blackouts and has established a specific BCP.

(1) (2)

The indirect impacts associated with offerings, investments, or purchases are discussed in part 4.2.2. Ordered from a community catalogue, the Group’s companies can use increasingly low ‑ emission car models.

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Universal Registration Document 2022 - GROUPAMA ASSURANCES MUTUELLES