Mutual insurer for more than a century, we are founded on humane, close and responsible communities of mutual aid.

Convinced that strength lies in numbers, we seize every opportunity to build a dynamic of solidarity in the French regions and worldwide, as close as possible to our customers, members and stakeholders.

This determination to act together
in order to address far-reaching changes in the world around us is driven by our commitment to help as many people as possible to build their lives with confidence.

This proactive and fully digital report
invites you to join us as actors
in a world in transition.

How ?

By fostering our initiatives with a strong
and positive impact and those taken
by the committed actors we are keen
to bring to your attention.

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Thinking big to adapt to our changing society

We develop increasingly effective services and products and improve customer experience by forging partnerships with innovative actors and using the latest technologies, including artificial intelligence.

Enfants de la lune

Helping protect children with Xeroderma Pigmentosum from potentially fatal sun exposure using innovative solutions.

Protecting crops from climate change

Protecting farmers’ livelihoods is a top priority for Groupama. To help them combat climate change, the Group has teamed up with Ombrea, developer of a dynamic agrivoltaic solution that creates an optimal microclimate and protects crops, even against drought and hail.

Chatbot to strengthen customer relations in Turkey

Do you have a question about a contract? Would you like to make a claim? Do you need to submit a request for hospital care? Turkish policyholders can now receive an instant personalised response from an AI chatbot called Tell me Gupi. The software was developed by Groupama Sigorta in Turkey, winner of the 2021 POCAIMON challenge.

Building a more circular economy together

Launched by Groupama Immobilier, the Booster du réemploi (Reuse Booster) brings together multiple project owners around the common goal of making the reuse of materials common practice in the construction industry. The digital arm of the project, Looping.immo, which allows users to compare the supply and demand of materials in real time, was honoured with an Innovation Award by the French property directors’ organisation, the ADI, in July 2021.

A new partnership for connected solutions

Groupama Assicurazioni has entered into a long-term strategic partnership with Fairconnect, Europe’s leading provider of connected insurance services. The goal is to improve subscription performance, claims management and customer satisfaction using the latest technologies such as IoT (Internet of Things) and advanced artificial intelligence algorithms. We now plan to extend this partnership to other European Group entities.

20,000

euros was earmarked for the Caromarane project developed by the Angers university hospital, winner of the Groupama Foundation’s Social Innovation Prize. This amount will be used to test Lupix, a companion robot that assists people with reduced autonomy.

Better protection for two-wheeler drivers

Groupama has entered a new partnership with the Liberty Rider app for its two-and three-wheeler insurance policies. The Liberty GPS uses algorithms to warn drivers when they go too fast and alerts the emergency services if they fall. An added layer of safety for drivers!

Drone pilots well insured

When a new liability law came into force on 1 January 2021, Groupama Biztosító was the first to offer civil liability insurance to drone pilots in Hungary. The offering was developed and marketed in just three months. Nothing could be easier: drone pilots simply subscribe and pay online using a user-friendly interface for immediate coverage. Customers are extremely satisfied with the service, rating it 4.68 out of 5!

A new look for our remote monitoring solution

The Groupama Box Habitat remote home monitoring system was given a complete overhaul in 2021. Customers can now combine it with multi-risk home insurance for all-round protection. All of these new features will be enhanced by several uses in 2022.

Easier access to Groupama health services

Groupama made more digital services available to its customers in 2021, including a streamlined individual health insurance offering. Awarded the Contentsquare UX Design prize for user experience, this offering can be customised and makes it easy for customers to subscribe - a winning combination!

Fully digital travel insurance

Groupama and its Mutuaide assistance subsidiary now offer online customisable travel insurance for all-round protection, even in the event of a Covid-19-type pandemic, without duplicating bank card guarantees.

Going all-out to support the causes that drive us

We have taken a people-centred approach for more than a century, which is the reason why we work hard to make sure everyone is united by strong ties and reach out to those in need through our mutual assistance communities.

Nearly 7,000

registered racing cyclists received a free personalised jersey offered by Groupama as part of the 2020 and 2021 editions of the Ton Club, Ton Maillot initiative.

Premiers de cordée

Organising sports events for children in hospital to teach them the values of sport : cohesion, combativeness and respect.

First aid training

Groupama provides in-person training and video tutorials free to its members, employees, elected members and the general public as part of plans to train one million people in first aid techniques, including how to recognise a heart attack and how to help someone who is choking. The stakes are particularly high in France, which has one of the lowest rates of trained first-aiders.

With Climatips, climate risks are no longer a secret

The first of the Hackaton Varenne de l’Eau et de l’Adaptation au Changement Climatique was won by Groupama's team for its Climatips solution. Designed by a team of data scientists, developers and agronomists, this tool enables farmers to assess the exposure of their crops to climate change hazards and to measure its potential impact on revenues.

4,000 km breast cancer cycle ride

A team of women affected by breast cancer and members of the Casiopeea association set themselves a challenge: to cycle ride from France to Romania. As a partner, Groupama supported this adventure. On 17 September 2021, they left Paris in presence of the French Minister for sport. One month, ten countries and 4,000 km later, the brave adventurers were welcomed at the head office of the Romanian Olympic Committee in Bucharest under an arch of pink balloons.

In solidarity with the “Cafés Joyeux”

The Cafés Joyeux restaurant chain employs people with mental disabilities in Paris, Bordeaux, Lisbon and other cities. The premises of their branch at 144 avenue des Champs-Elysées are provided by Groupama Immobilier. This socially responsible project that promotes the inclusive employment of people with disabilities was awarded the Mécénat et Solidarités au Salon de l'Immobilier d'Entreprise (SIMI) prize.

More than 1,000

front-line advisers and experts are dedicated to the agricultural market.

One day’s work, one young person supported

Students and recent graduates have once again ranked Groupama among their Top 3 favourite companies*! This ranking reflects the Group’s commitment to young people, including its Don de jours initiative, which gives employees the opportunity to donate 1,300 days to a non-profit working with young people on training, employment opportunities, disability or housing. Other organisations supported by Groupama are given pride of place throughout the annual report.

*source : Epoka/ Harris Interactive

350,000

euros was raised to fight rare diseases by regional mutuals on 48 solidarity walks.

Committed to local communities

Action Solidarité Madagascar, a non-profit organisation supported by the Group, earmarked €12,000 in emergency aid for families and farmers in Madagascar affected by the health and climate crisis. The organisation also recently helped to build a farm school, supply medical equipment and plant 110,000 coffee trees.

More than 70

prizes were awarded to films supported by the Gan Foundation for Cinema in France and worldwide in 2021, including the César for Best animated film for Josep by Aurel.

Committed to co-construction, we leverage our skills and share our experience with partners - past, present and future.

Preparing for retirement

What are the key trends for future retirees and pensions in France? How can we end pensions inequality? These were some of the questions addressed at a retirement forum held on 29 September in Paris with our partner Sapiendo. Although almost half of people have begun to plan for retirement, only 10% have a clear idea of what their pension will be, and 73% expect to lose purchasing power (Odoxa survey for Groupama), underlining the relevance of this initiative.

Spotlight on local initiatives with Trophées Pro

A competition open to artisans, retailers and service providers with fewer than 10 employees, the Trophées Pro helps innovative local initiatives which positively impact the environment and their region to raise their profile. In 2021, first prize was awarded to Le Bois de Deux Mains, a non-profit organisation that produces furniture and objects from wood waste and promotes the inclusion of vocationally challenged and socially disadvantaged people.

100 chances 100 emplois

Helping young people aged 18 to 30 from deprived urban areas develop a career plan by creating a tailored sponsorship programme.

Rebuilding Notre-Dame

A documentary about Groupama’s role in rebuilding Notre-Dame cathedral in Paris, Charpente, won no fewer than three prizes. The film clinched the Award d’or at the Deauville Green Awards, the Corporate Film Award at the Terres Festival International and the Trophée d’or at the FimbACTE festival. Co-produced by Groupama Immobilier, it is a powerful account of the contribution made by the Group - including the supply of century-old oaks - in partnership with the Compagnons du Devoir, which is using traditional techniques to restore the building.

Supporting research on rare diseases

The Groupama Foundation launched a second call for projects for its Rare Diseases Research Prize. The selected innovative research programme receives up to €100,000 in annual funding over five years. This marks another milestone for the Groupama Foundation, which has funded the work of more than 40 researchers over two decades.

1,553

companies chose the Groupama Épargne Salariale saving scheme in 2021.

Gold for Titane

A feature film directed by Julia Ducournau with support from the Gan Foundation for Cinema, Titane won the Palme d’Or at the 2021 Cannes Film Festival. It was a source of pride for the Foundation, which recognised the potential of the script by awarding it the Creation Prize - even before it went into production.

#MusetteGroupama: once again

The role played by farmers in sporting achievements provided the starting point for the #MusetteGroupama initiative, which gives farmer members the opportunity to supply the Groupama-FDJ Cycling Team with fruit and vegetables. A major success from its launch in 2020, the initiative has once again supported our champions in the biggest races in 2021: the Tour de France, Paris-Nice, the Championnats de France and Critérium du Dauphiné.

13,077

is the number of kilometres covered by Group employees in the Special Olympics sporting challenge organised every year to change attitudes towards disability.

Mutuaide: assistance in extreme Sahara conditions

Guaranteeing the supply of medical assistance to 1,200 competitors and 600 support staff in the Moroccan desert was the challenge taken up by Mutuaide, selected for the first time as the official assistance insurer of the 35th Marathon des Sables. Runners competing in the race cross 250 kilometres of desert with their equipment on their backs!

39

is the total number of victories won by the World Tour and Conti Groupama-FDJ cyclist teams.

Staying positive to build a more responsible world

As a responsible mutual insurer, each of our professions helps build a more sustainable society based on a circular and inclusive economy.

Choosing a sustainable savings scheme

The Groupama Group has five delegated management savings profiles: serenity, moderate, balanced, dynamic and offensif. A sustainable version of each investor profile was adopted in October 2021. Savers are free to invest according to their risk appetite, situation, plans and investment horizon in funds that integrate sustainable development issues.

CircoLab

Addressing the environmental and social challenges facing businesses in the property and construction sector by driving the development of the circular economy.

Groupama green bonds

Success! In July, Groupama announced the placement of its first subordinated green bonds for a principal amount of €500 million issued under its new Green Bond Framework. The net proceeds of the Notes will be exclusively used to finance green initiatives, such as green buildings, renewable energy, clean transportation, and the eco-sustainable management of living natural resources. It illustrates the Group’s ongoing contribution to the transition to a lower-carbon economy.

27

open-ended funds managed by Groupama Asset Management are now certified by the French ISR (socially responsible investment) label, representing more than 30 billion euros of assets under management.

Film renaissance with Groupama in Romania

Since June 2021, Groupama Asigurari has been involved in a major project to restore the Studio Cinéma in Bucharest. The plan is to make it a centre of Romanian cinema with multiple screening rooms, including one outdoors. A cultural and social centre, co-working spaces and a film store will be among the other services on offer.

First insurance AVC in Nouvelle-Calédonie

Groupama Gan Pacifique launched and piloted the first insurance advanced vocational certificate (AVC) in Nouvelle-Calédonie. Designed to address Groupama’s practical recruitment and training needs, the AVC will be available to 15 students every two years at the Lycée Saint Joseph de Cluny. A robust step that reflects our commitment to the local community, it benefits the region and young people.

Guiding principle: energy efficiency

The Groupama Group won bronze in the CUBE building energy performance contest organised by the Institut Français. This major award recognises the efforts made by employees working in the WP5 building on the Nanterre campus to reduce their daily energy consumption. In Italy, the new head office of Groupama Assicurazioni in Milan was awarded prestigious Leed Platinum certification for its energy efficiency, environmental quality and sustainability.

88%

of Groupama employees are satisfied with their remote working arrangements. Since 2021, most employees in all Group companies in France benefit from agreements allowing them to work from home two days a week.

Groupama: top employer

Groupama Nord-Est, Groupama Loire Bretagne and Groupama Sigorta (Turkey) were awarded the Top Employer label for their HR practices. Added to the certifications already awarded to Groupama Assicurazioni (Italy) and Groupama Asigurari (Romania), the Group has a total of five Top Employer certifications. The result of an HR audit, this recognition cements Groupama’s reputation as a preferred employer.

Sustainable recovery fund

Savers can help achieve a sustainable economic recovery with the new
G Fund New Deal Europe unit-linked share. Awarded the French government’s France Relance label, this Groupama Asset Management fund supports the transformation and re-shoring of French and European industries, with a focus on three main areas: production security, prevention/health and change support/acceleration.

A helping hand for the planet

The transfer of Groupama’s Paris offices to Nanterre provided our teams with the opportunity to recover 63 tonnes of paper and cardboard by placing it in recycling containers as part of the Les p’tits papiers initiative, which generated €6,300 for the Groupama Foundation.

Building on our strong regional presence, we support and listen to our employees, customers, members and partners to meet their needs as closely as possible.

Proxité

Guiding young people from deprived areas towards academic and professional success by providing them with close support.

Extending our global reach

The Group expanded its geographic footprint in Europe and Asia while diversifying its risk potential by opening two new provincial branches in Hainan and Jiangxi in China and growing its activities in Croatia with the acquisition of the OTP Osiguranje insurance company.

Protecting construction tradespeople

Groupama is committed to improving the working conditions of construction tradespeople and salaried employees in partnership with the CAPEB (Confédération de l’artisanat et des petites entreprises du Bâtiment). Issues under the spotlight include professional risk prevention and security, wealth management, road hazards and cyber risks.

Groupama invests in 1kubator

By investing in 1kubator, France’s leading innovation and business incubator network, Groupama has found a new way to support start-ups. Operating in nine cities in support of 500 enterprises, 1kubator is enjoying rapid growth and now plans to expand its local operations. This is aligned with the approach taken by Groupama, a group with strong regional roots.

Driving academy in Turkey

Building on the experience of Centaure centres in France, Groupama Sigorta has launched a Driving Academy to raise the road hazards awareness of drivers. The Turkish subsidiary organises role-play exercises on potential road hazards for its automotive and heavy goods customers, positioning itself as a road prevention actor.

8.61

is the customer experience rating awarded to Groupama Asigurari, which this year ranked in the Top 10 of the most appreciated Romanian companies in terms of customer experience (KPMG survey, 2021).

New law, new retirement product

Gan Eurocourtage released its Galya Retraite Performance offering to leverage the adoption of a new regulation on defined benefit pensions (or Article 39) in France. Employees no longer have to complete their career with the company where they subscribed their contract - a powerful argument for young people who value their mobility! More fiscally and socially advantageous than remuneration, this new arrangement is a useful employee retention tool.

81%

of the overall workforce responded to the 7th Baromètre d’Opinion Groupe. A record! 81% is also the indicator of employee commitment (up 5 points since 2018), which combines buy-in, engagement and loyalty.

Better quality of life at work

Groupama Loire Bretagne, through its subsidiary KENVAD, provides well-being and preventive health care services to Groupama and customer company employees. This made-to-measure service offers 50 activities and workshops, including pilates and reflexology, in five well-being and corporate preventive health care fields. Users pick and choose activities to fit around their schedule and workplace facilities.

Brand accolade in Greece

For the second time running, branding arbiter Superbrands recognised Groupama Asfalistiki as one of the top brands in the insurance services category in Greece. This recognition will further cement the company’s strong reputation with customers.

10,000

bicycle light kits were distributed in the autumn by Groupama to increase the visibility of cyclists at nightfall.

The Group in figures

The Groupama Group :
collective strength for enhanced performance.

A Group whose development is driven by the energy and performance of its two brands - Groupama and Gan - to address the needs of its customers and members every day

1 Mutual
model

1 Participative
governance

31,000 employees

including
6,000 outside France

supporting
12 millions members
and customers

Discover
our CSR data

A caring employer committed
to collective success

Gender parity

50.07 % women executives

Employees
with disabilities

4.4 % of the total full-time workforce in France have disabilities

Apprentices

24.2 % conversion rate of work-study apprentices to permanent and short-term contractshort-term contract

Training

15.9 % of training is now done on e-learning platforms

Active in the local economic
and social dynamic

Responsible
investment

€91 bn AUM by Groupama Asset Management invested in SRI

Sponsorship

€9.5m for sponsorship actions

Prevention

81,530 people actions