Our evolving governance and oversight structure In 2025, we updated our governance structure to oversee our CSR strategy and climate transition, and to integrate CSR considerations into our decision-making processes. Our CSR strategy governance structure Our governance continues to support the rollout of our CSR strategy and to ensure greater consistency between the Group’s strategic directions, actions on the ground, and team commitment. Our Fédération continues to provide mutual insurance companies with valuable support in rolling out projects and CSR initiatives. Click here to learn more about our climate governance structure. Our climate transition governance In 2025, we adopted a Climate Risk Management Policy. It provides a framework for our actions and clarifies the related roles, responsibilities and mechanisms. This policy is intended to integrate climate considerations into all our activities, ensure rigorous risk oversight and support consistent decision-making in line with our business objectives. It is based on the three lines of defence model, which assigns risk management across three complementary roles: 1. The first line of defence (management, coordination and department heads) provides products and services to members and manages risks on a day-to-day basis. 2. The second line of defence (risk oversight and security) provides expertise and support, offers guidance and ensures a follow-up (risk, compliance, information security, etc.). 3. The third line of defence (internal audit) provides independent and objective assurance regarding the achievement of our objectives. Click here to learn more about our climate governance structure. 2025 highlights • Adjustment of the roles and responsibilities of the CSR Committee and the Risk Oversight and Information Security Committee • Creation of a working group dedicated to climate issues • Adoption of a Climate Risk Management Policy 61 | Bilan RSE – 2024 2025 – CSR SUMMARY 61
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