Cap Gemini - Registration Document 2016

PRESENTATION OF THE GROUP AND ITS ACTIVITIES

1.7 Risk analysis

1.7.6 The Group Insurance Department reports to the Group Finance Department and is responsible for the design, placement and monitoring of all non-life insurance policies. The management and coordination of employee benefits insurance is overseen by a joint governance body representing the Finance Department and the Group Human Resources Department. The Group risk management and insurance policy encompasses the assessment, prevention and transfer of all or part of the risks relating to individuals, its assets and equipment under the Group’s responsibility. The Group’s strategy for transferring risks to the encourage operational unit managers to commit to risk prevention and out-of-court settlement of claims, without exposing the Group as a whole to significant financial risk. under contacts signed with clients. Deductibles are set so as to taking account of legislation and specific risks in each country and the emergence of new risks, as well as changes in major exposure insurance and reinsurance market is to adjust insurance coverage to the maximum replacement value of assets to be insured, or in the case of liability insurance, to an estimate of its own risks and reasonably foreseeable third party risks in its business sector, indemnity Commercial general liability and professional This insurance program, which is key for clients, is designed, taken out and managed centrally at Group level. Any entity in which Cap Gemini S.A. has 50% or more ownership (direct or of the worldwide insurance and reinsurance markets. program, including coverage limits, are periodically reviewed and adjusted to reflect changes in risk exposure, due particularly to legislation, the Group’s activities, new countries where Capgemini operates and changes in client contracts, as well as the evolution damage caused to third parties within the course of our usual business activities, everywhere in the world. This insurance program is structured in layers contracted with highly reputable leading insurance companies. The terms and conditions of this insurance program covering the financial consequences of their commercial general liability and professional indemnity, i.e. , any indirect control), is insured by a worldwide integrated Group operation for several years. The €20 million primary layer of this program is reinsured through a consolidated captive reinsurance subsidiary and has been in Property damage and business interruption The Group has set-up an integrated property damage and business interruption insurance program covering all of its subsidiaries worldwide. Its real estate policy is to rent rather than to buy its business premises, and consequently it owns little

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significant increase and the concentration of employees. property. Nevertheless, India can buy premises due to its Capgemini’s business premises are located in a wide variety of countries, and the Group operates at multiple sites in most of them. The Group has slightly over 380 sites with an average is assessed and insured to the extent possible, based on knowledge of the materiality of the risk and the available offering in the insurance market. largest site, which is located in India, employs nearly 8,800 people in a number of different buildings. Client and supply shortage risk surface area of 4,000 square meters. Some of the Group’s consultants work off-site at client premises. This geographical dispersion limits risk, in particular the risk of loss due to business interruption that might arise from an incident at a site. The Group’s Employee benefits and mobility insurance employees throughout the world. Risks concerning medical emergencies, personal security, assistance and repatriation of employees working outside their home countries, is managed centrally at Group level via global insurance policies. The Group uses specialist companies to train and assist its Employee benefits insurance programs (death and disability, healthcare, medical costs, pensions, etc.) are tied to the different benefits received by employees and are generally managed by the Human Resources Departments in each country. The Group Insurance and Human Resources Departments are jointly responsible for the management and international coordination of these programs. The main objectives are to ensure compliance with local legislation and develop, standardize and improve current coverage, in accordance with the different regulations in the relevant countries and to optimize traditional and/or alternative risk transfer/financing mechanisms. Other risks Crime and fidelity coverage (especially for information systems) is managed centrally at Group level via a global insurance program. All other risks - including motor vehicle, transport of goods, and employer liability for accidents at work - are insured locally using insurance policies that reflect local regulations. the insurance and reinsurance market. Capgemini is not specifically insured against these risks in any country in which it operates. Some risks are excluded from coverage or restricted under the general conditions imposed by Pollution risks are low in an intellectual services business, and

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Registration Document 2016 — Capgemini