Groupama // Universal Registration Document 2022

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THE GROUP’S BUSINESSES Insurance in France

2.2.3.5 Professional insurance This category includes micro ‑ enterprises, very small businesses, and heads of independent companies (fewer than 20 employees) with very diverse profiles (craftsmen, retailers, self ‑ employed professionals, and service providers). The Group has updated its comprehensive range of offerings and has diagnostic tools that enable risk analysis and advisory services that meet customers’ needs as closely as possible. The Group can offer all insurance solutions useful for professionals for both their business and their private life. Construction The Group’s business in the construction sector is driven primarily by multi ‑ risk policies (non ‑ life, civil liability, and ten ‑ year civil liability) distributed via employee networks, agents, and brokerage. Insurance for local authorities As the leading insurer of local authorities and organisations, Groupama has a renewed insurance offering for public authorities. This new offering is a response to the new risks that local authorities must face due to territorial reorganisation in France. The Group is rounding out its insurance offerings with prevention and advisory services adapted to the risks faced in today’s environment: road accident prevention thanks to the Centaure training centres, crisis management, prevention of climate ‑ related risks, etc. In the area of climate ‑ related risk prevention with local authorities, the roll ‑ out of the Groupama ‑ Predict service continued. This service sends out highly localised alerts through the app or text messages in the event of a weather event or natural disaster based on customised information provided up front. A campaign to support elected representatives by providing the update to Local Response Plans and the DICRIM (Local Major Risk Information Document) as part of the Groupama Predict partnership. Given the interest presented by Groupama ‑ Predict, Groupama continued its steps to deploy this service for its other categories of customers, including the corporate market, as well across all its regional mutuals. The Group also deployed an app called “Mon Kit Élus”, which provides all elected representatives of local authorities with a single space for useful numbers and information needed for the various activities that they carry out on a daily basis. 2.2.3.6 2.2.3.7

2.2.3.8 Commercial insurance In an economic environment that continues to be difficult, in a market where price competition remains strong in the SME/SMI segment, unlike the mid ‑ caps and large company segment, where the market has entered an uptrend, the Group has maintained its involvement alongside companies. Beyond the agri ‑ food sector, where Groupama remains the leading insurer, Groupama is strengthening its presence alongside SMEs and mid ‑ caps. They have access to a very comprehensive offering, including the “base” covers of casualty insurance, credit insurance, group insurance, employee savings, legal protection, as well as pensions and protection in case of unemployment of the business head. Groupama also intends to support its business customers in the face of the emergence of new risks to which they are exposed; in this context, Groupama has developed a cyber risk cover to protect and support companies that are victims of hacker attacks. Groupama is also supplementing its various insurance offerings with a range of services designed to meet all the needs of companies, including road safety services and surveillance of premises. 2.2.4.1 Individual health In the individual health insurance market, 2022 was marked by continued growth in healthcare spending, partly due to the effects of 100% health and deferrals of benefits that could not be done during lockdown periods. In a complex context of the end of the health crisis and the inflationary environment, Groupama maintained the development of its health portfolio at a rate higher than in 2021. This positive dynamic reflects the Group’s desire to support its members and customers by relying in particular on a modular offering that is closest to their needs and a comprehensive range of services, including a teleconsultation offer overhauled in 2022. Groupama also implemented a healthcare pool, which rewards the loyalty of policyholders through extended cover in the event of a hardship following hospitalisation. In addition, in 2022, Groupama transformed its health benefits management system for all of its group and individual policies, in line with its objective of continuously improving operating performance and service quality for all of its policyholders. LIFE AND HEALTH INSURANCE Groupama generated premium income of €7.1 billion in life and health insurance (53% of premium income generated in France) as at 31 December 2022. 2.2.4

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Universal Registration Document 2022 - GROUPAMA ASSURANCES MUTUELLES