Groupama // Universal Registration Document 2022

1

OVERVIEW OF THE GROUP Strategy

1.4 STRATEGY

The Groupama group’s strategy is supported and embodied by the Vision programme. This strategic programme consists of five complementary elements, which form a coherent whole guiding the Group’s actions:

1.4.3 During 2022, the Group implemented initial initiatives in line with its CSR strategy, including the rollout of relational calls by increasingly integrating a Prevention component, the implementation of Centaure training incorporating new forms of mobility and usage, the establishment of an observatory dedicated to climate change, the launch of a study in connection with the major transitions, the definition and implementation of our 1.5°C alignment strategy (Paris agreements), and the launch of a CSR engagement plan (awareness, training, events) to acculturate employees and illustrate CSR through concrete actions deployed within the Group. Our five pillars of transformation are our response to the Group’s long ‑ term challenges and the structural changes in society. They allow us to adapt our organisation and our business lines over time in order to stay one step ahead and anticipate future developments. To enable each of our customers and members to build their lives with confidence, the quality of the support we provide to them is a priority. Pillar 1: Rekindling the customer relationship Customer satisfaction is at the heart of the Group’s concerns. It is both a mutual insurance requirement and a commitment from each of our companies. To be one of the favourite insurers in France, the Group has chosen to establish a unique, differentiating relationship with our customers based on proactive advising. The special circumstances in recent years have provided an opportunity for the Group to re ‑ express its attachment to this attentive and human relationship. In line with the momentum of recent years, the number of customers and members contacted in 2022 through human, proactive, and non ‑ commercial calls continued to increase compared with last year, exceeding one million customers and members concerned. Pillar 2: Growth drivers through services Our development in services is a priority. Our ambition is to support our customers with solutions combining insurance, services, and prevention. In 2022, the Groupama Habitat Protect remote surveillance offering was once again promoted, and sales continued to increase. At the same time, several discussions and experiments were launched with a view to supporting our customers and members in the transitions they are facing (climate transition, digital transition, etc.). Lastly, the launch of the Open Innovation Volt’terre Programme with its five regional, themed startup accelerators demonstrates the Group’s drive for innovation in services and support solutions. OUR PILLARS OF TRANSFORMATION

our corporate purpose; ❯ our CSR approach; ❯

our pillars of transformation; ❯ our performance podiums; ❯ the mutual insurance dynamic. ❯

1.4.1

OUR CORPORATE PURPOSE

1.4.2 The transformation of Groupama SA into Groupama Assurances Mutuelles in June 2018 restored the Group’s consistency based on three levels of mutualisation: local, regional, and national. The Group wished to mark this transformation by reaffirming its corporate purpose: “We are here to allow as many people as possible build their lives confidently. To do this, we rely on humane, caring, responsible communities”. This corporate purpose explains why our Group has been in existence for over 100 years and embodies the mutualism of the future, a beacon of hope for future generations. The Groupama group is thus demonstrating its commitment to its mutual insurance background and to the human values of solidarity, accountability, engagement, and optimism to use them in an ambitious economic venture for its members and customers to enable as many people as possible to build their lives with confidence. In application of its corporate purpose, the Group has defined its CSR approach, which defines how we want to act to build a sustainable economic development model in line with our values. The Group has defined its priorities for 2022 ‑ 2024, which include strengthening a human, proactive, and responsible relationship, offering protection solutions in response to changes in the environment and lifestyles, and actively contributing to the sustainable development of local life. Through this CSR approach, the Group affirms its action as a responsible and trusted player, attentive to its impact on society and the environment. OUR CSR APPROACH

11

Universal Registration Document 2022 - GROUPAMA ASSURANCES MUTUELLES