Environment and Climate

Strategie

Through its “Ambition 2030” strategy, Groupama has reaffirmed its commitment to addressing climate change as a cross-cutting issue at the heart of its business lines. This commitment is expressed through its support for its clients’ transitions by providing cover adapted to environmental and societal changes, reinforcing the resilience of people and property by promoting more sustainable reconstruction and repair, reducing its carbon footprint, and managing its investments and forests sustainably.

The following indicators measure the Group’s progress across all of these priorities.

Indicators

The green transition within our group’s value chains:

Insurance

  • 45% repair rate (instead of replacement) for motor claims in 2025, exceeding the 40% target set for 2030.
  • 22.9% of motor claims in France included at least one reused part in 2025, exceeding the 22.5% target set for 2030.
  • Remote assessment was used for 41% of motor claims in 2025, exceeding the 38% target set for 2030.

Investments

  • -65% in the carbon intensity of equity and corporate bond portfolios in 2025 (compared to 2021), with a target of -65% by 2030.
  • €7.5 billion in investments to finance transitions, with a target of + €1.3 billion by 2030.
  • Alignment of the property assets managed by Groupama Immobilier at a level 26% below the carbon intensity recommended by the CRREM pathway.
  • Systematic integration of companies’ transition plan assessments into Groupama Asset Management’s overall rating methodology.

Corporate Life

  • A 29.3% reduction in the carbon footprint generated by our operations (business travel and energy used in buildings) in 2025 (compared with 2019), with a target of a 40% reduction by 2030.
  • €12.1 million allocated to philanthropy.
  • Employee engagement rate of 83%.
  • Reduced travel-related carbon emissions through the gradual greening and electrification of vehicle fleets.
  • Promotion of responsible digital practices through the eco-design of websites and applications, extending the lifespan of IT equipment, and the rollout of a sustainable digital habits guide.
  • Integration of a responsible procurement approach, with a particular focus on assessing suppliers’ ESG performance through AFNOR’s ACESIA solution.
  • Optimization of waste management through recycling, active waste reduction initiatives, and the deployment of circular economy practices for office furniture.

Carbon Sinks of our Forests

The forests owned by Groupama constitute a significant carbon sink.

Carbon study on Groupama forests. Data for 2025 :

  • Forest carbon stock: 11.89 million tonnes of CO (11.01 Mt in 2024), 24,507 ha (of
    which 22,467 ha held by the forestry company).
  • All of Société Forestière Groupama’s forests are PEFC (Programme for the endorsement of forest certification) certified. SFG is committed to very
    long‑term management, developing its portfolio on resilient assets.
  • Groupama has planted 13 million trees in 20 years (1 hectare = approximately 1,500 trees).

Key figures from the Group’s 2025 Sustainability Report