Groupama // Universal Registration Document 2022

6

EARNINGS AND FINANCIAL POSITION Management report of the Board of Directors

Standard model tables used to present information on payment terms of suppliers and customers mentioned in Article D. 441 ‑ 6 of the French Commercial Code Invoices received and issued and unpaid at the end of the fiscal year and in arrears (table provided for in Article D. 441 ‑ 6 of the French Commercial Code)

Article D. 441 ‑ 6 I. - 1° of the French Commercial Code: Invoices received and unpaid as of the end of the fiscal year and in arrears

Article D. 441 ‑ 6 I. - 2° of the French Commercial Code: Invoices issued and not yet paid as of the end of the fiscal year and in arrears

0 days (indicative)

1 to 30 days

31 to 60 days

61 to 90 days

91 days or more

Total (1 or more days)

0 days (indicative)

1 to 30 days

31 to 60 days

61 to 90 days

91 days or more

Total (1 or more days)

(A) Payment arrears range Number of invoices concerned Total amount of invoices concerned 1,079.41 1

0.00

(specify excl. or incl. tax) Percentage of total purchases for the fiscal year (specify excl. or incl. tax)

Incl. tax Incl. tax Incl. tax Incl. tax Incl. tax Incl. tax

0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Incl. tax Incl. tax Incl. tax Incl. tax Incl. tax Incl. tax

Percentage of revenue for the fiscal year (specify excl. or incl. tax) (B) Invoices excluded from (A) relating to disputed and unrecorded payables and receivables Number of invoices excluded Total amount of invoices excluded (specify excl. or incl. tax) (C) Standard payment terms used (contractual or legal payment terms – Article L. 441 ‑ 6 or Article L. 443 ‑ 1 of the French

Commercial Code) Payment terms used to calculate payment arrears

Statutory terms: 60 days from date of invoice Contractual deadlines: on receipt, 30 days

- Contractual terms: (specify) - Legal terms (specify)

6.1.9

OUTLOOK

strength of the mutualist model. All of the Group’s forces (elected representatives and employees) are constructing their action and investments to offer members and customers innovative products and quality service. Their mission is also to accompany them in the transitions that disrupt our daily lives and “enable as many people as possible to build their lives with confidence”.

In a geopolitical context marked by the war in Ukraine and the gradual exit from the health crisis, particularly in China, a complex macroeconomic environment, and very pronounced inflationary pressures that weighed on costs (claims and expenses), as well as an exceptional level of weather ‑ related claims in France, Groupama demonstrated the resilience of its model. The diversification of its business and its portfolios (both geographically and by their nature) resulted in decent performance in 2022. Groupama is able to cope in this uncertain environment. Its financial resources and flexibility are suitable. Although this environment does not allow us to give a quantified outlook, Groupama is confident in its ability to maintain its profitable growth trajectory, which is based on the

GROUPAMA’S 2022 DECLARATION OF EXTRA ‑ FINANCIAL PERFORMANCE

6.1.10

The declaration of extra ‑ financial performance is presented in section 4.2 of this Universal Registration Document.

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Universal Registration Document 2022 - GROUPAMA ASSURANCES MUTUELLES