Groupama // Universal Registration Document 2022

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

It should be noted that with regard to geographical aspects, the market’s reinsurers, which monitor changes in the portfolios of their ceding entities, can guide the underwriting, but the share of this risk due to reinsurance remains immaterial. Understanding expectations is one of our group’s imperatives and is one of the natural conditions for its long ‑ term development. In fact, the analysis shows that the risk is not so much about missing out on societal demand (solutions can be found for the vast majority of expectations, but for certain needs, the problem of the size of the insurable amount may arise) but being able to control the risk of premium increases over time, knowing that at this stage, insurance in France, whether life or non ‑ life, is one of the top markets in Europe. Advances in data knowledge (thanks to data and artificial intelligence) increase the possibilities of assessing and pricing risk as accurately as possible, while maintaining the fundamental principle of mutualisation. Lastly, we must be vigilant about segments of the population (such as students and pensioners) whose incomes are more limited. Another risk factor to consider is the rise in inflation in 2022, which has a significant impact on the cost of risks and therefore the cost of insurance. An insurance “RMG” was created to take this phenomenon into account. Risk control levers Offering insurance solutions that are “buyable” by as many people as possible directly echoes our purpose. Societal changes are integrated into our strategic plans, including faster placement in production of offerings. Groupama has an exceptional field network, in France and abroad, and elected representatives (30,000 people) who understand the expectations of members, supervise the accounts of the local mutuals, and promote preventive actions, etc. Everything is geared towards an even more personalised approach to the needs of members/customers. There are plenty of examples of suitable insurance solutions offered by our companies: young drivers’ policies with a driving course at no extra cost, cyber offering – at no extra cost – in multi ‑ risk offerings for professionals, “mini” options in prevention/health insurance with systematic consideration of the pricing impact of the offerings, in life insurance, widespread implementation of customer studies (quantitative and qualitative) to better understand and, where appropriate, develop Groupama Gan Vie’s positioning on a particular product. Services are expanding , particularly in health (nutrition portal and Mon Kiosque Santé – top of the list of apps most consulted by our customers, enrichment of the Sévéane care network, medical teleconsultation in all policies, and multiple personal services to help people get going again). (1)

Groupama, the insurer of the territories, is also involved in studies to combat “medical deserts” by working on service

solutions with municipalities and physicians. 2022 focus on the protection solutions

With regard to agricultural offers, Groupama continued to ramp up its products and services for the pluriactivity and multidisciplinarity of farmers, who play a vital role; one year after the launch of the “Farmers. Essential to the world” campaign, farmers were once again highlighted by Groupama in 2021 and again in 2022 for a new season with the “Indispensables Agriculteurs” digital activation. ❯ The resilience of farmers is essential. We are attentive to developments and new expectations in the sector, which create new risks and to which Groupama is already prepared to respond (direct distribution, transmission of farms, energy transition, agro ‑ ecology, cyber risk, etc.). As part of the government roadmap put in place to combat agricultural anxiety, Groupama put in place in 2022 a psychological support system for farmers in hardship, in addition to the actions deployed by other organisations such as MSA and the chambers of agriculture. At the same time, two free psychological support sessions, with clinicians and specialists, are open for all farmers insured with Groupama. Note that for local shops, the coverage of complementary activities of line sales is given without additional costs. Home ❯ Groupama’s remote surveillance solution offers complete protection of the household by protecting against burglaries, but also from the risks of flooding, fire, assault, or power outage. Only Groupama currently offers these services on the market. At Groupama, the opinion of our customers counts, and our remote surveillance system is changing to best meet the expectations of our members. Groupama Box Habitat was enhanced in 2022 with the indoor camera to listen to and see in real time what is happening at home from the mobile app, new features for remote management of the simple and secure remote surveillance system, and a guarantee of the quality of our services to secure the installation and reassure our customers in the event of a breakdown or malfunction of the system or a complaint. Cyber risks ❯ A self ‑ diagnostic solution for professional customers is starting to be deployed. Demographic/ageing transition ❯ Retirement: in the wake of the new PACTE law, Groupama Gan Vie has successfully launched its range of Retirement Savings Plans (PER) and associated services (advice, simulations, etc.). Groupama’s ambition is to become a key player in the French market in the social issue of retirement, by offering advice and global solutions. The retirement platform “Ma Nouvelle Vie” is breaking records: more than 1 million annual visits. “Discover in a simple and entertaining way the amount of your future pension, your retirement date, and advice on how to prepare for your new life with peace of mind.”

(1) See Groupama press release dated 31 May 2022: How Groupama helps caregivers.

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Universal Registration Document 2022 - GROUPAMA ASSURANCES MUTUELLES