Groupama // Universal Registration Document 2022

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

In terms of contribution to climate change mitigation or environmental preservation, in recent years and 2022, note: in multi ‑ risk home insurance, the offerings include cover for home equipment producing renewable energies, and Groupama pioneered an environmentally friendly “new for old” programme for household appliances requiring replacement; a service to support energy renovation is in preparation; ❯ in motor insurance, the launch in 2022 of a new offer for electric vehicles, which notably covers battery failures and will offer services; ❯ in motor prevention insurance, the Centaure centres enabled 15,077 trainees to complete an eco ‑ driving module in 2022 (38% of Centaure trainees) (44% in 2021). Courses on low ‑ carbon mobility ( e.g. , scooters) are being developed; ❯ in motor casualty insurance, Groupama contributes to the circular economy: repairing (rather than replacing) 34.2% of bumpers and shields (on cars insured by Groupama and Gan). With regard to reused parts, Groupama is one of the market’s most advanced players in this area (approximately 11% of cases); we have set ourselves a strong ambition (to reach 14% by 2024). Future DEFPs will report on these developments; ❯ (1) Groupama has partnered with Exo Expert to support the development of drones in risk protection and the deployment of new services for farmers. The developed services will enable Groupama to optimise the performance and quality of insurance benefits, such as close monitoring of the situation of crops, damage suffered, or the effective identification of areas affected by a climate event, and with a drone, the calculation of nitrogen modulation maps for wheat and rapeseed; these are reduced costs, better production, and a positive impact on the environment; ❯ Groupama has been part of the Contract of Solutions initiative set up as an association since the beginning of 2020 in order to reduce the use and impact of pesticides (sheets of solution for farmers); ❯ Groupama is the leader in insurance and prevention in methanisation activities, with 60% of French methanisation units insured; also note, in 2022, our work on simplifying the rules for underwriting and accepting photovoltaic panel risks on buildings for agricultural use; ❯ the notion of environmental damage was introduced in the French criminal code in 2016; this cover is integrated into our environmental TPL offerings. ❯ In 2022, forest insurance was launched for (re)forestation, which will contribute to the renewal of the French forest, in partnership with StockCO; forest projects that are launching the Low Carbon label can obtain dedicated insurance to protect their assets. 2

4.2.2.6 In 2022, Groupama’s “Indispensables Agriculteurs” campaign continued via a Web series showcasing various facets of the farming profession. This is an opportunity to discuss various themes that shed light on today’s agriculture and all its transitions, particularly those related to the environment: soil conservation, cost ‑ cutting circuits, and methanisation. For the last 11 years, the Group has been a partner of the “Graines d’agriculteurs” competition, which rewards new agricultural talent. This year, the chosen theme was: “preservation of natural resources” (water, soil, air, and biodiversity). Performance indicator Rate of change in the number of “infrequent driver” motor policies in the portfolio: 912,456 policies (876,635 policies in 2021), i.e. , +4%/2021. These options, which have risen sharply since 2020, continue to grow. Other indicators with an “environmental” dimension Number of electric vehicle policies: 31,704 policies, i.e. , +45%/ 2021 (after +50% in 2021/2020 and +22% in 2020/2019) , up significantly since 2020. Number of corporate environmental TPL polices: 995 Arden policies or +3.86% from 2021; and environmental cover in corporate TPL: presence in approximately 3,994 policies. Additional indicator Share of non ‑ life insurance contributing to climate change adaptation as defined by the European Taxonomy (premiums from policies containing protection against climate perils); see section 4 of this document. (2) (3) (4) Groupama fully integrates the liability and the induced risks related to its territorial presence. Our group and its companies have long been immersed in and attentive to the local ecosystem. This is part of our DNA. Our ambition is to be a key player in our territories by pursuing a strong regional policy of partnerships/philanthropy with the local ecosystem by remaining the leading insurer for small and medium ‑ sized communities and by continuing to open branches and management sites in the regions. Groupama is also the insurer for all agricultural needs and number 2 individual health insurer contributing to access to medical care in France. The mutualist territorial network is led in particular by the local network consisting of elected representatives, who interact with policyholders and players in the territories. The Group promotes this mutual insurance dynamic by developing training for elected representatives, especially in territorial intelligence, by encouraging them to share good practices with each other, and by optimising discussions for strong synergy with employees, in particular those responsible for promoting mutual insurance principles and commercial development. Societal commitments to sustainable development

(1) (2) (3) (4)

Cases closed with repair (RMP rate). Less than 8,000 or 10,000 km depending on the brand. With environmental characteristics or environmental objectives. The Amaline brand disappeared in 2020.

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Universal Registration Document 2022 - GROUPAMA ASSURANCES MUTUELLES