Groupama // Universal Registration Document 2022

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

All these factors are reflected in the Group’s strategic and operational plans, namely the five major pillars identified in our strategic project: maintaining customer proximity, strengthening our distribution capacity, making Groupama even more of a leading brand, optimising the effectiveness of our industrial model by adapting more quickly, and mobilising the Group’s

players, including its employees, even more in our performance to serve our customers. Priority actions have been defined in this strategic framework. In 2022, in line with previous formulations, the Group set itself the ambition to build the mutual insurance group that champions the support of its customers.

4.2.1.4 Our business model: creating value for people and the territories

More than 83% of the Group’s business is carried out in France . In the total premium income for 2022, life and health insurance represented 48.8%, property and casualty insurance represented 49.9%, and financial businesses represented 1.3%. The Group has 31,000 employees , with 80% working in France. In a mutual insurance company, capital is a common asset made available to the community to invest, innovate, and sustain the organisation. Groupama’s business model thus serves its purpose and creates long ‑ term value for its stakeholders: customers/members, employees, and partners in the territories. (1) (2)

Groupama is one of the leading insurance companies in France and is present in 10 other countries. Its societal utility naturally lies in the nature of our profession, financial protection, a pillar of economic activity, but it is much more than that because it is a player in social life by creating links between people and communities, at the heart of the territorial ecosystem. Networking–human, physical, organisational–is a major strength: geographic proximity is one of the major features of our model.

(1) (2)

In addition to France, Groupama is present in Italy, Turkey, Hungary, Croatia, Slovenia (since 2022), Romania, Bulgaria, Greece, Tunisia (35% stake in a group), and China (in the form of a joint venture). The portfolio of the branch in Slovakia was sold at the end of 2022. Adding the staff of the companies CIGAC, SDGAC, Centres Centaure, CapsAuto, and Juritravail SAS in China to the headcount of the combined scope strictly speaking. The exact figure is: 31,216, 81% of which in France.

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Universal Registration Document 2022 - GROUPAMA ASSURANCES MUTUELLES