Groupama // Universal Registration Document 2022

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

A large survey was conducted in 2021 among elected representatives (50% of them responded, or 12,500 responses), in order to better know the elected representatives and their expectations. It confirmed their strong desire to act (to be useful, to be of service), to work even more closely with employees to serve their members and their training needs (skills on offers, on techniques for leading meetings or speaking). Groupama’s elected representatives are a mutual assistance community: “link builders”. In 2022, a “manifesto” was devised with the elected representatives on Groupama’s mutual insurance and the role of elected representatives to truly highlight the uniqueness of our model. On the groupama.fr website, the section www.lavraievie.groupama.fr, a real external showcase for actions in the regions, promotes mutual insurance concretely; as well as the La Vie Mutualiste Groupama account on the social networks Twitter and LinkedIn. Some figures… €27 million was paid to local authorities in the form of the territorial economic distribution (CET) in 2021 (the amount for 2022 will be known in spring 2023). €12 billion in benefits were paid in 2022 to our policyholders to allow them to protect their economic activity and their family life. For employment, the Group and its companies represent 25,000 employees throughout France, and recruitment events are organised each year in large metropolitan cities. Approximately 45% of the Group’s purchases (excluding insurance purchases) were made from VSE ‑ SMEs. The Group’s companies share good practices to develop local or “inclusive” purchases (purchases that promote the development of the territories, diversity, the development of VSE ‑ SMEs, or the SSE ). The Group is a member of PAQTE , a public initiative that also aims to develop purchases in less ‑ favoured geographical areas. After the first mutualist certificates were issued in 2015 by a regional mutual, similar operations followed for the other nine mutuals (eight of which are in metropolitan France and one in overseas France). In particular, they strengthen the investment capacity of the mutuals in the regions. Mutual certificates subscribed by the members totalled €607.6 million overall , including €26.5 million collected in 2022. The regional mutuals are reinsured by the central body, the Groupama Assurances Mutuelles national mutual. In addition to the impacts of our economic activity – through local employment, payment of benefits, tax contributions, etc. – the Group conducts multiple actions to support the socio ‑ economic vitality of territories and various economic (1) (2) (3) (4) (5)

initiatives in all forms, academic partnerships, solidarity actions, and philanthropy. Groupama supports economic players having a positive impact on the territories and maintains close ties, often in the form of partnerships or agreements, with professional bodies (chambers of trades, CAPEBs, chambers of agriculture, CCIs, trade unions, and entrepreneur networks). In 2022, Groupama and Initiative France established a national partnership in the form of philanthropy to support the economy and entrepreneurship at the local level (in particular, trades, crafts, and agriculture). This national partnership strengthens existing and well ‑ established relationships between the Groupama regional mutuals and the Initiative France Network, in a hundred territories. The objective is to step up and diversify support for project leaders, evidenced by support from entrepreneurs, from the presentation of the project through financing and then by monitoring the Company’s development stages. Groupama participates actively with its elected representatives or employees in regional approval committees with other Initiative France partners; these committees grant interest ‑ free loans. Groupama brings its expertise in risk prevention and management to these committees; in addition, project holders can access insurance for their interest ‑ free loan. As a partner committed to the dynamics of the territories, Groupama supports innovative companies in favour of safety and the environment, committed to the local economy. Each year since 2018, Groupama also awards regional and national Trophées Pros to small businesses that have a positive impact on society and the environment. Among the 11 regional winners in competition for the 2022 edition, four awards were given to a creator of reed ‑ based raw materials, a company that develops green building solutions, a cannery for declassified fruits and vegetables, and a designer of solar charging stations for electric two ‑ wheelers. Partnerships with accelerators (such as French Assur Tech in Niort) are also led by the Group’s companies. In 2021, Groupama acquired a stake in 1Kubator, France’s leading innovation network, which is expanding rapidly throughout France and strengthening its presence among companies and startups. As an extension, the Volterre innovation programme was launched in 2022 with 1Kubator. The main objective of the programme is to develop innovation at the Group level by involving Groupama startups and teams at the local level. To achieve this objective, the programme relies on five startup accelerators, positioned as close as possible to our employees in five cities in France: Le Mans, Lyon, Montpellier, Rennes, and Paris.

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The exact figure is €12.026 billion, including €10.427 billion in France, combined scope (France and International), excluding claims management costs. The exact figure is: 25,414. Social and Solidarity Economy. See section 4.2.2.3. Or €637 million if certificates held by the regional mutuals are also considered.

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Universal Registration Document 2022 - GROUPAMA ASSURANCES MUTUELLES