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2025 Results Press release Analysts Conference Call: March, 23rd at 11 a.m.
Motor, home, agricultural, services, business, professionnals and local authorities
Individual health, individual protection, life insurance – individual savings/pensions, group insurance
Asset management, property management, employee savings, banking
Legal protection, credit insurance, assistance, remote surveillance of property and persons
Sustainability is a key pillar of Groupama’s strategy and is at the heart of its mutualist model. To meet the expectations of its stakeholders, the Group integrates environmental, social and governance considerations into all its activities and decision-making processes. This approach is underpinned by a long-term ambition: ensure the Group’s long-term existence in a constantly changing world so that it can provide lasting support to its members and customers, and maximise its positive impact on society and the environment.
This Sustainability Charter formalises the Group’s policy on sustainable development. It defines the governance and principles of an integrated strategy aimed at reconciling economic, social, societal and environmental performance. It provides a reference framework to guide strategic and operational decisions, in line with Groupama’s mutualist values and the expectations of its stakeholders.
The sustainability charter complies with CSRD disclosure requirements (governance, strategy, etc. see ESRS E1-1) and provides guidance on various policies (underwriting, investments, ethics, etc.).
Read our Sustainability Charter for more infomation
The Board of Directors is in charge of complying with the wide-ranging regulatory requirements relating to sustainability, the strategic guidelines on sustainability, and ensuring that the sustainability strategy is taken into account in the management of the company.
The Group Executive Committee proposes and implements the Group’s sustainability strategy.
The remuneration policy of the Group and Groupama Assurances Mutuelles, approved by the Board of Directors in 2025, takes sustainability performance into account when determining the variable remuneration applicable to the members of the Board of Directors Groupama Assurances Mutuelles. The criteria are set by the members of the Board of Directors Groupama Assurances Mutuelles.
During the Groupama Assurances Mutuelles Annual General Meeting, the Board of Directors presents the management report. This includes, in particular, information relating to non-financial performance (set out in this sustainability report), as well as the climate strategy and the main actions undertaken. The report is accompanied by the auditors’ report, in which they set out their observations.
The Sustainability Department (reporting to the Deputy Chief Executive in charge of strategy and sustainability) defines and manages the Group’s strategy. It coordinates implementation, promotes the sharing of best practice, and monitors targets as well as overseeing the preparation of the sustainability report.
The model is based on the principle of subsidiarity, whereby each entity is responsible for its own contribution through a tailored organisational structure. A network of sustainability sponsors and referents, coordinated at Group level, enables best practices to be shared and ensures overall consistency.
The Sustainability Department therefore reports on the progress of the strategy to the Group Executive Committee (CED), which comprises the Board of DirectorsGroupama Assurances Mutuelles and the Directors of the regional mutuals. The Ethics and Sustainability Committee meets four times a year.
For more information, see the Group 2024 Climate Report – A Dedicated Governance Structure for Sustainability
The Group’s Ethics Charter rallies employees around proximity, commitment, performance and solidarity. It defines the Group’s commitments in ethical matters, such as:
The Groupama Group requires all employees, representatives and general agents to adopt fair and ethical practices in their professional activities and in their relations with the company’s stakeholders. Compliance with the code of conduct, which is directly inspired by the Group’s Ethical Charter, helps developing a sustainable and responsible society by setting out principles and rules of conduct. These are part of the Group’s written policies, in particular the Group Compliance Policy.
Read our Code of Conduct for more infomation
The Group’s employees and stakeholders may exercise their right to report concerns if they suspect or witness acts that contravene the Charter or the Code, or if they have information regarding crimes, offences or breaches.
Where a concern is raised, an investigation is conducted by the “ethics reporting” officer, who draws up a confidential report. Reports are handled in accordance with confidentiality rules regarding the identity of the person making the report, the person(s) concerned and any third party involved, as well as the facts forming the subject of the report.
Information concerning external third parties is included in the Code of Conduct published on the Group’s corporate website.
Reports may be submitted to the head of the key Compliance function within the company.
The Groupama Group has put in place a comprehensive anti-corruption and influence-peddling framework, overseen by the Compliance Department. This framework is based on: a code of conduct implemented across all entities, specific procedures (regarding gifts, conflicts of interest and corporate sponsorship) and an ethics reporting system.
This framework is supported by regular risk assessments, compulsory training for staff and a system to evaluate the integrity of third parties.
Finally, the framework is subject to ongoing monitoring, including audits (particularly in relation to “la loi Sapin 2”), regular reporting and oversight by the governance bodies to ensure its continuous improvement.
The Group’s Fight against money laudering and terrorist financing (AML/CTF) framework is overseen by the Compliance Department, supported by a network of dedicated managers across all entities.
The Group’s anti-money laundering and counter-terrorist financing (AML/CTF) framework is overseen by the Compliance Department, supported by a network of dedicated managers across all entities.
The Group AML/CFT Manager defines the risk management policy, implements procedures and tools, coordinates the network and implements a control plan at various levels.
An internal organisational charter sets out the roles, training arrangements, control and risk monitoring mechanisms, as well as the procedures for information exchange.
In 2019, the Group entered into a partnership with the tax authorities (Service Partenaire des Entreprises).
Groupama is the first insurer to have joined this partnership amongst nearly 120 French companies, which demonstrates its commitment to tax compliance, as the tax partnership reflects cooperation and tax transparency with the authorities and thereby helps to ensure the Group’s tax management security.
An internal Group tax charter has been drawn up.
AI technologies offer the Group unprecedented opportunities to improve customer relations and optimise its operational performance. They enable the Group to carry out its role as an insurer more effectively, in the shared interests of its employees, members, customers and insured parties.
Groupama has launched the Cap IA programme to define the Group’s AI strategy, covering use cases as well as technical, organisational and governance requirements. This programme is underpinned by a ‘responsible AI’ approach, which aims to ensure that the deployment of AI complies with regulatory standards and Groupama’s mutualist principles and values.
In this context, Groupama introduced in 2025 an internal charter on the responsible use of AI tools within the Group, thereby demonstrating its commitment to promote the responsible, ethical and secure use of AI.
The Groupama Group promotes the responsible management of its suppliers, based on relationships of trust and adherence to shared ethical, safety, social and environmental principles.
No arrangement or agreement has been made with clients or suppliers under which a member of the Board of Directors was selected as a director or member of the Company’s executive management.
For further details, please refer to the Universal Registration Document – Conflicts of interest in the management bodies
The Group’s Code of Ethics includes supplier relations, and a Purchasing Ethics Charter has been added to the internal regulations of Groupama Assurances Mutuelles.
Three key aspects are emphasized:
In our calls for tenders, we ask suppliers-via the CSR Supplier Charter or specific contractual clauses-to declare whether they comply with the principles of the ILO, the Universal Declaration of Human Rights, and the UN Global Compact (working conditions, environmental responsibility, ethics).
The CSR approach is integrated into the selection of new suppliers, aligning our procurement strategy with sustainability goals.
Our tenders include ESG criteria, and the Group has established a written outsourcing policy.
Groupama provides GDPR training for buyers and employees.
Groupama has also signed the 2010 Intercompany Charter (now the Responsible Supplier Relations Charter), which promotes long-term relationships with SMEs, the inclusion of ESG criteria in supplier selection, and consideration of the Group’s territorial responsibility.
Contracts include a Sustainability Clause, along with provisions to combat corruption, influence peddling, and to prevent and manage conflicts of interest.
In line with the Sapin II law on third-party ethical evaluation, a Partner Evaluation Portal (PEP’s) has been made available to Group companies to assess the integrity of non-client third parties before entering into a relationship.
The implementation of Sapin II-focused on anti-corruption and influence peddling-is addressed in the following section.
For more information, please refer to the 2024 Universal Registration Document – Management of relationships with suppliers.
The Groupama Group is committed to communicating responsibly with its internal and external stakeholders. In line with this commitment, in 2022 we joined the Union Des Marques (UDM)’s FAIRe programme, which promotes sustainable communication.
Our achievements include the creation and sharing of a guide on responsible communication, the identification of cross-functional and distinctive commitments made by our regional mutuals, the integration of a dedicated module on responsible communication into the induction programme for new employees, and the first ‘Ecoprod Responsable’ certification for our film shoots, awarded by AFNOR.
Group discussions are also being held on the calculation of the carbon footprint of our advertising campaigns, as well as on event management, with the aim of making trade shows and other events more sustainable (charters, certifications, promotional items, carbon footprint, etc.).
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