Societe Generale S.a. Class A · EURONEXT:GLE
Societe Generale S.a. Class A — Q2 2026 Earnings Presentation
72 slides from Societe Generale S.a. Class A's earnings presentation, Jul 30, 2026
Slide 1: Group Results: Second quarter and first half 2026 results
Societe Generale Group Results Second quarter and first half 2026 results
Slide 2: Disclaimer
Disclaimer The financial information on Societe Generale for its second quarter of which Societe Generale or its management are not yet aware or The alternative performance indicators, notably the notions of net and first half 2026 financial results comprises this presentation and a currently deem i
Slide 3: Strong H1 26 results, EUR 1.5bn extraordinary share buy-back
Strong H1 26 results, EUR 1.5bn extraordinary share buy-back Income Balance Sheet Half year results better than Statement and Capital end-of-year targets Revenues Extraordinary share buy-back H1 26 NBI growth H1 26 Costs H1 26 C/I ratio EUR 14.2bn in H1 26 EUR 1.5bn +2.4%(3) vs. H1 25 -5.0%(4) vs. H
Slide 4: Upgrade of the 2026 cost and ROTE targets
Upgrade of the 2026 cost and ROTE targets REVENUE GROWTH COST REDUCTION C/I RATIO 2026 ROTE >+2% ~-4% <60% ~11% (unchanged) (vs. ~-3% previously) (unchanged) (vs. >10% previously) 2ND QUARTER AND 1ST HALF 2026 RESULTS I 30 JULY 2026 4
Slide 5: 1. Group performance
1. Group performance SOCIETE GENERALE
Slide 6: Record Group net income in Q2 with strong positive jaws
Record Group net income in Q2 26 with strong positive jaws Income Statement Key highlights Revenues Strong revenue growth of +4.5%(1) vs. Q2 25 EUR 7.1bn in Q2 26, +4.5% vs. Q2 25 Costs Tight cost control, down -4.1%(2) vs. Q2 25 -4.1% vs. Q2 25 C/I ratio Improved operating leverage with a C/I ratio
Slide 7: Q2 revenue growth drivers
Q2 26 revenue growth drivers Q2 26 Revenues (EURm) +4.5% +71 -93 +112 7,096 +285 6,791 -70 Q2 25 Disposals RPBI(1) GBIS(2) MIBS(3) Corporate Q2 26 Centre Group revenues +4.5% vs. Q2 25 and +6.1% at constant perimeter and exchange rates French Retail, Private Banking and Insurance +12.6% vs. Q2 25, m
Slide 8: Continued cost discipline in Q2
Continued cost discipline in Q2 26 Q2 26 Operating expenses (EURm) Q2 26 C/I ratio by business (%) -4.1% 4,331 -41 +26 -36 -8 -117 4,155 65.1% 63.8% 61.6% 58.4% 58.6% 59.7% <60% 55.5% 52.0% 52.0% Q2 25 Disposals CTA(1) GESOP(2) IFRIC 21 Net savings Q2 26 RPBI(3) GBIS(4) MIBS(5) Group H1 26 2026 Targ
Slide 9: Q2 cost of risk within 2026 guidance range
Q2 26 cost of risk within 2026 guidance range Cost of risk(1) Total S1/S2 provisions(2) (in EURm) In EURm 4.3% 3.5% 3.4% In bps Q2 25 Q3 25 Q4 25 Q1 26 Q2 26 H1 25 H1 26 3,011 2,946 2,933 Group 25 26 29 25 27 24 26 2,010 2,004 1,955 French Retail, Private Banking 25 33 34 28 38 27 33 and Insurance 1
Slide 10: Solid capital position
Solid capital position Change in CET1 ratio(1) (in bps) Risk-weighted assets (in EURbn) 388 397 406 +19bps -8bps -6bps 13.5% 13.6% -39bps +45bps earnings 13.2% -26bps distribution Q2 25 Q1 26 Q2 26 Main regulatory ratios Q1 26 Earnings Organic M&A, regulatory Q2 26 EUR 1.5bn Q2 26 Requirements Ratio
Slide 11: Liquidity profile and deposit base
Liquidity profile and deposit base Robust balance sheet(1) Diversified deposit base Funded balance sheet(2) in EURbn at end Q2 26 In EURbn at end Q2 26 957 970 957 970 79 Short term French Retail Banking Net deposits in 122 71 146 wholesale funding central banks 3% Private Banking 182 15% HQLA⁽³⁾ 15
Slide 12: Group results
Group results In EURm Q2 26 Q2 25 Change H1 26 H1 25 Change Net banking income 7,096 6,791 +4.5% +6.1%* 14,202 13,874 +2.4% +5.2%* Operating expenses (4,155) (4,331) -4.1% -2.7%* (8,485) (8,935) -5.0% -2.7%* Gross operating income 2,941 2,460 +19.5% +21.6%* 5,717 4,939 +15.7% +19.8%* Net cost of ris
Slide 13: 2. Business performance
2. Business performance SOCIETE GENERALE
Slide 14: SG network, Private Banking and Insurance
1 - FRENCH RETAIL, PRIVATE BANKING AND INSURANCE (RPBI) SG network, Private Banking and Insurance -2% -3% SG network SG network SG network Loans outstanding vs. Q2 25 Deposits outstanding vs. Q2 25 In EURbn In EURbn Loans outstanding stable vs. Q1 26 225 221 219 193 190 190 Deposits outstanding -1%
Slide 15: BoursoBank
1 - FRENCH RETAIL, PRIVATE BANKING AND INSURANCE (RPBI) BoursoBank +8% +16% Loans outstanding vs. Q2 25 AuA(1) outstanding vs. Q2 25 Commercial activity In EURbn In EURbn Assets under Administration of EUR 84bn in Q2 26, +16% vs. Q2 25, 17.6 17.8 80 84 16.5 deposits of EUR 49bn, +9% vs. Q2 25 72 40%
Slide 16: French Retail, Private Banking and Insurance
1 - FRENCH RETAIL, PRIVATE BANKING AND INSURANCE (RPBI) French Retail, Private Banking and Insurance Highlights Income Statement In EURm Q2 26 Q2 25 Change H1 26 H1 25 Change Revenues +12.6% vs. Q2 25 Net banking income 2,553 2,269 +12.6% 5,057 4,568 +10.7% +11.7%* Of which net interest income 1,190
Slide 17: Global Markets and Investor Services
2 - GLOBAL BANKING AND INVESTOR SOLUTIONS (GBIS) Global Markets and Investor Services Global Markets and Investor Services revenues -0.5% vs. Q2 25 Q2 26 Global Markets revenues H1 26 Global Markets revenues Global Markets revenues -1.0% vs. Q2 25 In EURm In EURm Equities +5.5% vs. Q2 25 3,336 3,251
Slide 18: Financing and Advisory
2 - GLOBAL BANKING AND INVESTOR SOLUTIONS (GBIS) Financing and Advisory Financing and Advisory revenues +8.9% vs. Q2 25 Q2 26 F&A revenues H1 26 F&A revenues In EURm In EURm Global Banking and Advisory +9.7% vs. Q2 25 Strong quarter driven by client activity and solid origination 975 1,768 1,868 1,8
Slide 19: Global Banking and Investor Solutions
2 - GLOBAL BANKING AND INVESTOR SOLUTIONS (GBIS) Global Banking and Investor Solutions Highlights Income Statement In EUR m Q2 26 Q2 25 Change H1 26 H1 25 Change Revenues +2.7% vs. Q2 25 Net banking income 2,718 2,647 +2.7% +4.0%* 5,473 5,542 -1.3% +1.7%* Global Markets and Investor Services -0.5% v
Slide 20: International Retail Banking
3 - MOBILITY, INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES (MIBS) International Retail Banking International Retail Banking revenues +2.9%* vs. Q2 25 +9%* / +9%* +3%* Loans / deposits outstanding* vs. Q2 25 Revenues* vs. Q2 25 In EURbn In EURm Europe 60.9 541 Robust growth momentum both in re
Slide 21: Mobility and Financial Services
3 - MOBILITY, INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES (MIBS) Mobility and Financial Services Mobility and Financial Services revenues -10.1% vs. Q2 25 Ayvens revenues -13.0%(1) vs. Q2 25 Q2 26 M&FS revenues H1 26 M&FS revenues High margins at ~610bps(2) in Q2 26 (550bps(2) in Q2 25), wit
Slide 22: Mobility, International Retail Banking and Financial Services
3 - MOBILITY, INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES (MIBS) Mobility, International Retail Banking and Financial Services Highlights Income Statement In EURm Q2 26 Q2 25 Change H1 26 H1 25 Change Revenues -8.0% vs. Q2 25, -4.9% at constant perimeter and FX Net banking income 1,872 2,036
Slide 23: Corporate Centre
Corporate Centre Revenues In EURm Q2 26 Q2 25 Change H1 26 H1 25 Change Net banking income (48) (160) +70.3% +70.3%* (143) (273) +47.4% +47.4%* Continued efficient management of liquidity Operating expenses (178) (164) +8.8% +4.9%* (249) (267) -6.6% -13.4%* Revaluation of liabilities accounted at fa
Slide 24: Sustainable development
Sustainable development Financing transition solutions across sectors Strengthening our nature ambition Finance low carbon electricity Launch of an equity partnership with Ardian Energy : Financing emerging champions of carbon-free power through EUR 100m in Ardian’s Nature Based-Solutions fund(1), F
Slide 25: 3. Conclusion
3. Conclusion SOCIETE GENERALE
Slide 26: On track to achieve upgraded targets for 2026
On track to achieve upgraded targets for 2026 INITIAL UPGRADED 2024 2025 H1 26 2026 TARGETS 2026 TARGETS REVENUES (REPORTED) +6.7% vs. 2023 +1.7% vs. 2024 +2.4%(2) vs. H1 25 >+2% REVENUES vs. 2025 >+2% REVENUES (EXCLUDING DISPOSALS) +7.3% vs. 2023 +6.8% vs. 2024 +4.0% vs. H1 25 vs. 2025 COSTS (REPOR
Slide 27: Societe Generale Capital Markets Day September 2026
Societe Generale Capital Markets Day 21 September 2026 One Bank Street, London, United Kingdom 27
Slide 28: 4. Supplement
4. Supplement SOCIETE GENERALE
Slide 29: Overview of exceptional items
Group Overview of exceptional items In EURm Q2 26 Q2 25 H1 26 H1 25 Operating expenses - Total one-off items and transformation charges (150) (131) (162) (205) Transformation charges (22) (30) (34) (104) Of which French Retail, Private Banking and Insurance (5) (10) (9) (33) Of which Global Banking
Slide 30: IFRIC impact
Group IFRIC 21 impact Total IFRIC 21 - costs o/w Resolution Funds In EURm H1 26 H1 25 H1 26 H1 25 French Retail, Private Banking and Insurance (44) (45) 0 0 Global Banking and Investor Solutions (106) (134) 0 (3) Global Markets and Investor Services (78) (103) 0 (3) Financing and Advisory (28) (31)
Slide 31: Q2 income statement by core business
Group Q2 26 income statement by core business French Retail, Private Banking and Global Banking and Mobility, International Retail Corporate Centre Group Insurance Investor Solutions Banking & Financial Services In EURm Q2 26 Q2 25 Q2 26 Q2 25 Q2 26 Q2 25 Q2 26 Q2 25 Q2 26 Q2 25 Net banking income 2
Slide 32: H1 income statement by core business
Group H1 26 income statement by core business French Retail, Private Banking and Global Banking and Mobility, International Retail Corporate Centre Group Insurance Investor Solutions Banking & Financial Services In EURm H1 26 H1 25 H1 26 H1 25 H1 26 H1 25 H1 26 H1 25 H1 26 H1 25 Net banking income 5
Slide 33: CRR3/CRD6 prudential capital ratios
Group CRR3/CRD6 prudential capital ratios Phased-in Common Equity Tier 1, Tier 1 and Total Capital In EURbn 30.06.2026 31.12.2025 Shareholder equity Group share 71.6 70.1 (1) Deeply subordinated notes'Undated subordinated notes (10.3) (9.4) (2) Distribution to be paid , Distribution N-1 and interest
Slide 34: CRR3/CRD6 leverage ratio
Group CRR3/CRD6 leverage ratio Phased-in Leverage Ratio In EURbn 30.06.2026 31.12.2025 Tier 1 Capital 64.4 62.9 (1) Total prudential balance sheet 1,483 1,370 Adjustments related to derivative financial instruments (24) 3 (2) Adjustments related to securities financing transactions 23 18 Off-balance
Slide 35: TLAC and MREL ratios
Group TLAC and MREL ratios TLAC Q2 26 ratios MREL Q2 26 ratios % RWA EUR bn % Leverage % RWA EUR bn % Leverage 31.1% EUR 127bn EUR 118bn 2.2% 9 SP 29.0% SP 27.46% SNP SNP T2 ⁽¹⁾ T2 ⁽¹⁾ 22.38% 10.9% 44 10.9% 44 AT1 AT1 CET1 CET1 2.2% 9 2.2% 9 2.7% 11 EUR 118bn 2.7% 11 EUR 118bn o.w. 8.5% 7.9% junior
Slide 36: Risk-weighted assets
Group Risk-weighted assets(1) (CRR3/CRD6, in EUR bn) 406.4 397.2 388.0 61.8 61.8 63.1 132.1 135.2 13.3 130.5 129.9 126.3 124.6 124.7 126.0 11.8 123.1 18.8 18.8 24.6 18.6 24.7 18.4 18.0 10.9 19.5 24.9 0.0 0.0 12.1 Total 0.0 10.9 0.1 0.1 0.0 9.6 Operational 331.3 Market 323.6 111.7 113.4 314.0 107.7 1
Slide 37: Geographic breakdown of commitments
Group Geographic breakdown commitments at 30.06.2026 On-and off-balance sheet EAD(1) 2%1% 8% France Western Europe (excl. France) 9% North America 40% Eastern Europe EUR 1,079bn Asia Pacific 16% Africa & Middle East Latin America & Caribbean 24% (1) Total credit risk (debtor, issuer and replacement
Slide 38: Change in gross loans outstanding
Group Change in gross loans outstanding(1) End of period in EURbn 583.1 581.7 566.6 557.6 571.0 572.5 557.2 556.8 567.9 Total 142.9 143.2 144.2 146.1 142.7 141.1 141.3 141.8 144.8 Mobility, International Retail Banking & Financial Services Global Banking and Investor Solutions 167.7 177.7 176.2 167.
Slide 39: Cost of risk
Group Cost of risk In EURm Q2 26 Q2 25 H1 26 H1 25 Net Cost Of Risk 223 146 387 317 French Retail, Private Banking and Gross loan Outstandings 232,657 230,025 233,174 231,781 Insurance Cost of Risk in bp 38 25 33 27 Net Cost Of Risk 12 81 58 136 Global Banking and Investor Solutions Gross loan Outst
Slide 40: Non-performing loans
Group Non-performing loans In EURbn 30.06.2026 31.03.2026 30.06.2025 Performing loans 508.2 506.5 492.5 ⁽¹⁾ inc. Stage 1 book outstandings 447.3 446.0 438.2 inc. Stage 2 book outstandings 49.9 49.3 41.4 Non-performing loans 14.1 14.3 14.0 inc. Stage 3 book outstandings 14.1 14.3 14.0 (2) Total Gross
Slide 41: Sovereign bonds exposure by geography
Group Sovereign bonds(1) exposure by geography Banking book Trading book Bonds Total Total o/w bonds o/w bonds o/w bonds at FV through P&L (A + B) (A) at amortised cost at FV through OCI at FV through P&L In EUR bn, as of 30 June 2026 (B) France 10.2 7.4 7.0 0.4 - 2.8 Czech Republic 7.2 7.2 6.9 0.3
Slide 42: Limited exposure to French sovereign
Group Limited exposure to French sovereign French sovereign exposure(1) EUR 15.8bn ~30% Total French EUR 7.3bn ~5% sovereign exposure: ~95% ~70% EUR 0.1bn ~100% EUR 23.1bn French OAT Public sectors loans and other Other securities Amortised cost (HTC(2)) Fair value (HTCS(3)) Limited exposure to Fren
Slide 43: Private credit, data centres, IT consulting and software exposures
Group Private credit, data centres, IT consulting and software exposures Private credit exposure Data centres, IT consulting & software Small exposure to private credit Well-diversified exposure 8% 11% Data centres Collateralised leveraged loans financing 21% 12% IT consulting ~1.3% ~1.2% Software C
Slide 44: Limited and diversified commercial real estate exposure
Group Limited and diversified commercial real estate exposure Diversified exposure European portfolio US portfolio Commercial real estate EAD by geography (%) European commercial real estate EAD by asset class (%) US commercial real estate EAD by asset class (%) Office 2% 16% 22% 5% France 9% Retail
Slide 45: Focus on exposures
Group Focus on exposures Corporate portfolio breakdown Most sensitive exposures Corporate EAD(1) in each sector(2) in % of total Group EAD at 30.06.2026 Total Group EAD: EUR 1,079bn PRIVATE CREDIT: ~1.3%(4) of total Group EAD Financial services 7.4% HEDGE FUNDS: ~0.4% of total Group EAD Utilities 3.
Slide 46: Change in trading VaR and stressed VaR
Group Change in trading VaR(1) and stressed VaR(2) Quarterly Average of 1-day, 99% Trading VaR(1) (in EUR m) 18 16 19 20 17 19 15 13 15 10 9 10 8 9 10 10 11 6 8 8 9 10 8 9 11 __ Trading VaR(1) 9 10 Credit 17 16 Interest Rates 14 16 15 12 11 12 10 Equity 2 2 2 1 1 1 2 3 2 Forex 0 0 0 2 2 2 0 0 0 Comm
Slide 47: Long term funding programme
Group Long term funding programme 2026 vanilla long-term funding programme almost completed Main recent transactions Societe Generale Societe Generale May-26 May-26 Additional Tier 1 PerpNC5.75 Senior Non-Preferred 6NC5 EUR 750m 6% PerpNC32 USD 1.25bn 5.371% May-32NC31 Programme Issued* Societe Gene
Slide 48: Liquid asset buffer
Group Liquid asset buffer Strong liquidity reserves Liquid Asset Buffer (in EURbn) Liquidity reserves at EUR 339bn in Q2 26 334 339 328 313 318 46 54 53 45 55 Significant part of cash at Central Banks (EUR 119bn as of Q2 26 vs. EUR 138bn as of Q2 25) 127 136 129 166 142 HQLA securities (EUR 166bn ne
Slide 49: EPS calculation
Group EPS calculation Average number of shares (thousands) H1 26 Q1 26 2025 Existing shares 754,338 759,309 790,605 Deductions Shares allocated to cover stock option plans and free shares awarded to staff 1,738 2,244 2,328 Other own shares and treasury shares 14,281 14,604 12,021 (1) Number of share
Slide 50: Net asset value, tangible net asset value
Group Net asset value, tangible net asset value End of period (in EURm) H1 26 Q1 26 2025 Shareholders' equity Group share 71,645 70,997 70,144 Deeply subordinated and undated subordinated notes (10,346) (10,397) (9,366) (1) Interest payable to holders of deeply & undated subordinated notes, issue pr
Slide 51: ROE/ROTE calculation detail
Group ROE/ROTE calculation detail End of period (in EURm) Q2 26 Q2 25 H1 26 H1 25 Shareholders' equity Group share 71,645 68,293 71,645 68,293 Deeply subordinated and undated subordinated notes (10,346) (8,386) (10,346) (8,386) (1) Distribution provision , distribution N-1 to be paid and interest pa
Slide 52: French Retail, Private Banking and Insurance: Q2 and H1 results
French Retail, Private Banking and Insurance Q2 26 and H1 26 results French Retail, Private Banking French Retail, Private Banking o/w Insurance o/w Insurance and Insurance and Insurance In EURm Q2 26 Q2 25 Change Q2 26 Q2 25 Change H1 26 H1 25 Change H1 26 H1 25 Change Net banking income 2,553 2,26
Slide 53: French Retail: Net banking income
French Retail, Private Banking and Insurance Net banking income NBI (in EURm) 2,553 +12.6% 2,504 2,378 179 189 2,269 2,281 188 173 177 Insurance revenues +18.8% 1,114 1,127 987 1,021 Fees 1,013 +0.2% Net Interest Income (excluding PEL/CEL provision or reversal) +15.4% Other income 1,149 1,165 1,186
Slide 54: Customer deposits and financial savings
French Retail, Private Banking and Insurance Customer deposits and financial savings End-of-period outstandings (in EURbn) 475 481 475 464 466 158 159 167 150 153 Life Insurance (1) Securities, Mutual Funds and Other 26 28 28 29 29 Sight Deposits 122 120 121 120 122 PEL Passbook deposits 12 11 11 10
Slide 55: Loans outstanding
French Retail, Private Banking and Insurance Loans outstanding End-of-period outstandings, net of provisions (in EURbn) 222 223 223 220 221 -2.2% 115 116 116 115 115 +0.3% Housing Consumer Credit and Overdraft 14 14 14 14 14 Business -2.2% Customers(1) and Financial Institutions 93 93 93 91 92 -5.2%
Slide 56: Insurance key figures
French Retail, Private Banking and Insurance Insurance key figures Life Insurance Outstandings and Unit-Linked Breakdown (in EURbn) 350 Personal Protection Insurance Premiums (in EURm) 300 166.6 158.1 159.2 180 160 150.3 153.4 250 252 260 262 260 140 252 41% 41% 43% 200 120 40% 41% Unit-Linked 150 1
Slide 57: Global Banking and Investor Solutions: Q2 results
Global Banking and Investor Solutions Q2 26 results Global Markets and Investor Total Global Banking and Investor Financing and Advisory Services Solutions In EURm Q2 26 Q2 25 Change Q2 26 Q2 25 Change Q2 26 Q2 25 Change Net banking income 1,743 1,753 +0.8%* 975 895 +10.4%* 2,718 2,647 +2.7% +4.0%*
Slide 58: Global Banking and Investor Solutions: H1 results
Global Banking and Investor Solutions H1 26 results Global Markets and Investor Total Global Banking and Investor Financing and Advisory Services Solutions In EURm H1 26 H1 25 Change H1 26 H1 25 Change H1 26 H1 25 Change Net banking income 3,609 3,674 +1.0%* 1,864 1,868 +3.1%* 5,473 5,542 -1.3% +1.7
Slide 59: Key financial indicators
Global Banking and Investor Solutions Key financial indicators Global Markets and Investor Services RWA (in EURbn) Financing and Advisory RWA (in EURbn) 69.1 74.5 77.8 54.1 55.3 57.4 8.5 8.0 8.0 16.4 16.7 16.6 1.2 1.4 Operational 0.8 8.8 9.7 10.7 Market 59.8 65.4 68.4 Credit 28.9 29.0 30.1 Q2 25 Q1
Slide 60: Revenues
Global Banking and Investor Solutions Revenues Global Markets and Investor Services Revenues (in EURm) Financing & Advisory Revenues (in EURm) 176 176 183 Securities 167 Services 571 615 167 545 597 Fixed Income and 435 1,017 975 Currencies 895 882 889 962 1,119 1,016 824 789 Equities Q2 25 Q3 25 Q4
Slide 61: Financing & Advisory: supporting clients in their transformations
Global Banking and Investor Solutions Financing & Advisory: supporting clients in their transformations Client proximity Innovation SpaceX USD 86bn IPO, the largest in history, consisted of a first-of-its-kind global retail Product excellence Underwriter, Joint Bookrunner offering with Societe Gener
Slide 62: Recognised expertise
Global Banking and Investor Solutions Recognised expertise AWARDS & RANKINGS LEAGUE TABLES SUSTAINABLE FINANCE GLOBAL BANKING & ADVISORY GLOBAL MARKETS TRANSACTION BANKING #1 Global Sustainability-Linked Bond Volume by Bookrunner #4 Global Sustainability-Linked Loans Volume by MLA #3 Global Green Lo
Slide 63: Mobility, International Retail Banking and Financial Services: Q2 26 results
Mobility, International Retail Banking and Financial Services Q2 26 results International Retail Banking Mobility and Financial Services o/w Consumer finance Total In EURm Q2 26 Q2 25 Change Q2 26 Q2 25 Change Q2 26 Q2 25 Change Q2 26 Q2 25 Change Net banking income 869 920 +2.9%* 1,003 1,116 -10.7%
Slide 64: Mobility, International Retail Banking and Financial Services: H1 26 results
Mobility, International Retail Banking and Financial Services H1 26 results International Retail Banking Mobility and Financial Services o/w Consumer finance Total In EURm H1 26 H1 25 Change H1 26 H1 25 Change H1 26 H1 25 Change H1 26 H1 25 Change Net banking income 1,749 1,833 +2.5%* 2,067 2,203 -3
Slide 65: Breakdown by region – Q2 26 results
Mobility, International Retail Banking and Financial Services Breakdown by region – Q2 26 results Czech Republic Romania Africa, Mediterranean basin and Total International Retail Banking Overseas In EURm Q2 26 Q2 25 Change Q2 26 Q2 25 Change Q2 26 Q2 25 Change Q2 26 Q2 25 Change Net banking income
Slide 66: Breakdown by region – H1 26 results
Mobility, International Retail Banking and Financial Services Breakdown by region – H1 26 results Czech Republic Romania Africa, Mediterranean basin and Total International Retail Banking Overseas In EURm H1 26 H1 25 Change H1 26 H1 25 Change H1 26 H1 25 Change H1 26 H1 25 Change Net banking income
Slide 67: Breakdown of loans and deposits outstanding
Mobility, International Retail Banking and Financial Services Breakdown of loans and deposits outstanding Breakdown of loans outstanding end of period* Variation* Breakdown of deposits outstanding end of period* Variation* (in EURbn)(1) Q2 26 / Q2 25 (in EURbn) Q2 26 / Q2 25 18.9 +6.4%* -0.8%* 17.8
Slide 68: Presence in Africa
Mobility, International Retail Banking and Financial Services Presence in Africa (1) (1) (1) Clients NBI Net income C/I RWA 2.4m EUR 0.6bn EUR 115m 51% EUR 17bn NBI RWA Credits Deposits L/D Ratio Ranking H1 26 (in EURm) (in EURbn) (in EURbn) (in EURbn) Côte d'Ivoire 206 6.1 3.8 4.5 85% 1st Tunisia 8
Slide 69: ESG Ambitions - Quantified
ESG Ambitions - Quantified EUR 500 billion to support sustainable finance over the period 2024-2030 with: Sustainable finance ~EUR 400bn financing and ~EUR 100bn bonds ~EUR 400bn in environmental activities and ~EUR 100bn in social Energy transition and nature EUR 1bn focused on emerging champions a
Slide 70: External recognition of our ESG expertise
External recognition of our ESG expertise AGENCIES WORST SCORE BEST AWARDS Sector average SG World’s Best Bank for Sustainable Finance in 2026 & World’s Best Bank for CCC B BB BBB A AA AAA Infrastructure & Project Finance 2025 for the 4th consecutive Sector year by Global Finance average SG 60+ 50 4
Slide 71: Methodology (1/2)
Methodology (1/2) 1 – Net banking income The pillars’ net banking income is defined on page 42 of Societe Generale’s 2026 Universal Registration Document. The terms “Revenues” or “Net Banking Income” are used interchangeably. They provide a normalised measure of each pillar’s net banking income taki
Slide 72: Methodology (2/2)
Methodology (2/2) 8 – Solvency and leverage ratios are calculated in accordance with applicable CRR3/CRD6 rules transposing the final Basel III text, also called Basel IV, including the procedures provided by the regulation for the calculation of phased-in and fully loaded ratios. The solvency ratio