Societe Generale S.a. Class A · EURONEXT:GLE
Societe Generale S.a. Class A — Debt Investor Presentation (February 2026)
81 slides from Societe Generale S.a. Class A's debt investor presentation, February 2026
Slide 1: Presentation to debt investors: Q4 and FY 2025 results
Societe Generale Presentation to debt investors Fourth quarter and full year 2025 results
Slide 2: Disclaimer
Disclaimer The financial information on Societe Generale for its fourth quarter of which Societe Generale or its management are not yet aware or The alternative performance indicators are defined in our Universal and full year 2025 financial results comprises this presentation and a currently deem i
Slide 3: 1. Group performance
1. Group performance i] SOCIETE GENERALE
Slide 4: Record revenues and record Group net income in 2025
Record revenues and record Group net income in 2025 Income Balance Sheet 2025 financial results Statement and Capital better than all Group targets Revenues Ordinary distribution for 2025 2025 NBI growth(6) 2025 Costs(6) 2025 C/I ratio EUR 27.3bn in 2025 ~EUR 2.7bn(1) +6.8% vs. 2024 -2.0% vs. 2024 6
Slide 5: 2025: a substantial increase in value creation
2025: a substantial increase in value creation Improving efficiency Rising profitability Increasing EPS C/I ratio (%) ROTE (%) Earnings per share (EUR)(2) Creating long-term value Total Shareholder Return (%)(4) 73.8% 10.2%(1) 6.8(3) +162% 70.6% 69.0% TSR 2023-2025 6.9% 4.4 5.8% +237% 63.6% 4.2% 2.7
Slide 6: Strong growth in all businesses
Strong growth in all businesses French Retail, Private Global Banking & Mobility, International Retail Banking and Insurance Investor Solutions Banking and Financial Services Strong revenue growth Record revenues at EUR 10.4bn Strong revenue growth (+4.2%(1) vs. 2024) (+3.9%(4) vs. 2024) (+6.1%(4) v
Slide 7: Solid Q4 25 financial performance
Solid Q4 25 financial performance Income Statement Key highlights Revenues Strong revenue growth, +6.8% vs. Q4 24 excluding disposals EUR 6.7bn in Q4 25, +6.8%(1)vs. Q4 24 Costs Strict cost management, operating expenses down -1.4% vs. Q4 24 excluding disposals -1.4%(1) vs. Q4 24 C/I ratio at 64.6%,
Slide 8: Strong positive jaws in Q4
Strong positive jaws in Q4 25 Q4 25 Revenues (EURm) Q4 25 Operating Expenses (EURm) +1.6% -5.5% +6.8% -1.4% 6,621 -326(1) +157 6,725 +174 +156 -57 6,295 4,595 -188(1) 4,407 +26 -89 4,344 Q4 24 Disposals Q4 24 RPBI GBIS MIBS Corporate Q4 25 Q4 24 Disposals Q4 24 CTA(3) Net cost Q4 25 post Centre post
Slide 9: Q4 cost of risk within 2025 guidance range
Q4 25 cost of risk within 2025 guidance range Cost of risk(1) Total S1/S2 provisions(2) (in EURm) 4.5% 4.0% 3.9% In bps Q4 24 Q1 25 Q2 25 Q3 25 Q4 25 2024 2025 In EURm 3,119 2,946 2,939 Group 23 23 25 26 29 26 26 2,076 1,935 2,003 French Retail, Private Banking 20 29 25 33 34 30 30 and Insurance 1,0
Slide 10: Regulatory ratios
Regulatory ratios Comfortably above minimum requirements End Q4 25 ratios Requirements(1) Phased in(2) CET1 10.27%⁽³⁾ 13.5% Total Capital 14.76%⁽³⁾ 18.5% Leverage ratio 3.60% 4.5% TLAC (%RWA) 22.37%⁽³⁾ 29.7% TLAC (%leverage) 6.75% 8.3% MREL (%RWA) 27.48%⁽³⁾ 32.5% MREL (%leverage) 6.13% 9.1% LCR(4) >
Slide 11: Solid capital position
Solid capital position Change in CET1 ratio (in bps) Risk-weighted assets (in EURbn) 390 388 393 +16bps -1bp -5bps -1bp 13.8% -27bps 13.7% +37bps earnings 13.5% -21bps distribution Q4 24 Q3 25 Q4 25 Main regulatory ratios Q3 25 Earnings Organic Regulatory Other Q4 25 EUR 1bn Q4 25 Requirements Ratio
Slide 12: TLAC and MREL ratios
Group TLAC and MREL ratios TLAC Q4 25 ratios MREL Q4 25 ratios % RWA EUR bn % Leverage % RWA EUR bn % Leverage 32.5% EUR 128bn 29.7% EUR 117bn SP 2.8% 11 SP SNP 27.5% SNP T2 ⁽¹⁾ T2 ⁽¹⁾ 11.1% 44 AT1 11.1% 44 22.4% AT1 CET1 CET1 2.6% 10 2.6% 10 2.5% 10 EUR 117bn 2.5% 10 EUR 117bn o.w. 9.1% 8.3% junior
Slide 13: 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 Q4 25 In EURbn at end Q4 25 933 934 933 934 Net deposits in 65 68 Short term 155 124 wholesale funding French retail central banks Private banking HQLA⁽³⁾ 163 3% 145 15% Mobili
Slide 14: Solid funding structure
Solid funding structure Robust balance sheet Loan to Deposit Ratio (1) 105% 75% 77% 77% 75% 77% Loan to deposit ratio of 77% 80% High quality liquid asset buffers Customer loans 55% Comfortable LCR at 143% on average in Q4 25 614 596 594 604 605 Customer deposits 463 459 456 455 466 L/D NSFR at 116%
Slide 15: Long term funding programme
Group Long term funding programme 2026 vanilla long-term funding programme already well advanced* Selected recent transactions Societe Generale Societe Generale Programme Issued* In November-25 Tier 2 10NC5 In January-26 (in EURbn) (in EURbn) EUR 1bn 3.875% Nov-35NC30 Additional Tier 1 PerpNC10 USD
Slide 16: Group results
Group results In EURm Q4 25 Q4 24 Change 2025 2024 Change Net banking income 6,725 6,621 +1.6% +7.6%* 27,254 26,788 +1.7% +7.2%* Operating expenses (4,344) (4,595) -5.5% -0.4%* (17,338) (18,472) -6.1% -1.5%* Gross operating income 2,381 2,026 +17.5% +25.8%* 9,916 8,316 +19.2% +26.9%* Net cost of ris
Slide 17: 2. 2026 outlook
2. 2026 outlook
Slide 18: 2026 ROTE target upgraded
2026 ROTE target upgraded REVENUES COSTS COST OF RISK >+2% ~-3% 25-30bps vs. 2025 vs. 2025 in 2026 C/I RATIO ROTE <60% >10% in 2026 in 2026 PRESENTATION TO DEBT INVESTORS I FEBRUARY 2026 18
Slide 19: Main drivers of revenues and costs in 2026
Main drivers of revenues and costs in 2026 Revenues Costs Continued revenue growth Further cost reduction 2026 target 2026 target >+2% ~-3% BoursoBank contribution to the Group net income >EUR 300m Sustained cost discipline Global Markets revenues above the top end of the guidance range Continued Ay
Slide 20: Confirmed 2026 CMD financial targets at business level
Confirmed 2026 CMD financial targets at business level French Retail, Private Banking Global Banking & Investor Mobility, International Retail Banking and Insurance (RPBI) Solutions (GBIS) and Financial Services (MIBS) RPBI GBIS MIBS C/I RATIO C/I RATIO C/I RATIO <60% <65% <55% in 2026 in 2026 in 20
Slide 21: 3. Business performance
4. Business performance i] SOCIETE GENERALE
Slide 22: 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 Q4 25 Q4 24 Change 2025 2024 Change Revenues excluding disposals: +7.9% vs. Q4 24, +9.7%(1) vs. 2024 Net banking income 2,378 2,273 +4.6% +7.9%* 9,227 8,679 +6.3%
Slide 23: SG network, Private Banking and Insurance
1 - FRENCH RETAIL, PRIVATE BANKING AND INSURANCE (RPBI) SG network, Private Banking and Insurance +1% -3% SG network SG network Loans outstanding vs. Q4 24 Deposits outstanding vs. Q4 24 SG network In EURbn In EURbn Loans outstanding excluding PGE up +2% vs. Q4 24, stable vs. Q3 25 232 194 193 225 1
Slide 24: BoursoBank
1 - FRENCH RETAIL, PRIVATE BANKING AND INSURANCE (RPBI) BoursoBank +25% +22% New client onboarding vs. Q4 24 Total clients vs. Q4 24 Solid client acquisition In ‘000 In m Record quarterly client acquisition with ~575k new clients in Q4 25 575 8.8 8.3 461 Record yearly increase in client base, with 1
Slide 25: Global Banking and Investor Solutions
2 - GLOBAL BANKING AND INVESTOR SOLUTIONS (GBIS) Global Banking and Investor Solutions Highlights Income Statement Revenues -2.3% vs. Q4 24, record 2025 revenues +2.6% vs. 2024 In EUR m Q4 25 Q4 24 Variation 2025 2024 Change Global Markets and Investor Services -7.1% vs. Q4 24, +1.2% vs. 2024 Net ba
Slide 26: Global Markets and Investor Services
2 - GLOBAL BANKING AND INVESTOR SOLUTIONS (GBIS) Global Markets and Investor Services Global Markets and Investor Services revenues -7.1% vs. Q4 24 Q4 25 Global Markets Record Global Markets Global Markets revenues -8.3% vs. Q4 24 revenues annual revenues since 2009 In EURm In EURm Equities -5.3% vs
Slide 27: Financing and Advisory
2 - GLOBAL BANKING AND INVESTOR SOLUTIONS (GBIS) Financing and Advisory Financing and Advisory revenues +5.1% vs. Q4 24 Q4 25 F&A revenues Record 2025 F&A revenues In EURm In EURm Global Banking and Advisory +8.6% vs. Q4 24 1,017 3,767 968 3,582 Best quarter ever driven by financing activities, led
Slide 28: 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 Q4 25 Q4 24 Change 2025 2024 Change Revenues +7.3%* vs. Q4 24, +6.1%* vs. 2024 Net banking income 1,966 2,067 -4.9% +7.3%* 7,990
Slide 29: International Retail Banking
3 - MOBILITY, INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES (MIBS) International Retail Banking International Retail Banking revenues +2.7%* vs. Q4 24 +8%* / +7%* -1%* Loans / deposits outstanding* vs. Q4 24 Revenues* vs. Q4 24 Europe In EURbn In EURm Strong loan growth across client segments
Slide 30: Mobility and Financial Services
3 - MOBILITY, INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES (MIBS) Mobility and Financial Services Mobility and Financial Services revenues +11.7%* vs. Q4 24 Q4 25 M&FS revenues 2025 M&FS revenues Ayvens revenues +15.0%(1) vs. Q4 24 In EURm In EURm (-8%(1) adjusted for depreciations(2) and non
Slide 31: Corporate Centre
Corporate Centre In EURm Q4 25 Q4 24 Change 2025 2024 Change Revenues Net banking income (27) (184) +85.4% +85.4%* (383) (548) +30.2% +30.2%* Continued improvement of funding conditions and Operating expenses (93) (39) x 2.4 +22.1%* (429) (224) +91.8% +32.9%* management of excess liquidity Gross ope
Slide 32: 4. ESG
4. ESG SOCIETE GENERALE
Slide 33: Sustainable development
Sustainable development Strengthened contribution to the transition Innovation for the future with our partners Continued progress in the decarbonisation of credit portfolios, in Executing EUR 1bn investment in energy transition players and advance of our targets for the most emissive sectors(1) eme
Slide 34: 5. Conclusion
5. Conclusion SOCIETE GENERALE
Slide 35: 2025 targets exceeded, 2026 ROTE target upgraded
2025 targets exceeded, 2026 ROTE target upgraded 2025 2026 2026 2024 TARGETS 2025 CMD TARGETS NEW TARGETS REVENUES REVENUES +6.7% >+3%(1) +6.8%(1) 0%-2% >+2% vs. 2023 vs. 2024 vs. 2024 CAGR 2022-2026 vs. 2025 COSTS COSTS -0.3% >-1%(1) -2.0%(1) ~-3% vs. 2023 vs. 2024 vs. 2024 vs. 2025 COST / INCOME R
Slide 36: Capital Markets Day
Capital Markets Day SAVE THE DATE Societe Generale Capital Markets Day Monday 21 September 2026 London, United Kingdom PRESENTATION TO DEBT INVESTORS I FEBRUARY 2026 36
Slide 37: 6. Supplement
6. Supplement a SOCIETE GENERALE
Slide 38: Group long-term funding breakdown
Group long-term funding breakdown(1) Breakdown as of 31.12.2025 Access to diversified and complementary Subordinated Debt⁽²⁾ 5% investor bases through: 10% 11% Senior Non-Preferred Issues Subordinated issuances Senior Vanilla Preferred Unsecured Issues⁽³⁾ Senior vanilla issuances (public or private
Slide 39: Benchmark AT1 and Tier 2 issuance
Benchmark AT1 and Tier 2 issuance Additional Tier 1 issuance Benchmark size Tier 2 issuance Outstanding Outstanding Currency Coupon Issue date Next Call date Reset Spread Currency Coupon Issue Date Next call Date Maturity Date Amount (m) Amount (m) USD 1,000 4.750% 26-May-21 26-May-26 5yr UST+393.1b
Slide 40: Credit rating overview
Credit rating overview Credit Ratings as of February 6th, 2026 Fitch Moody’s S&P LT/ST Key strengths recognized by all rating agencies A(dcr) A1(cr)/P-1(cr) A/A-1 Counterparty S&P: “Globally systemic universal bank with well-diversified revenue by business lines and geographies […] Comfortable bail-
Slide 41: Overview of exceptional items
Group Overview of exceptional items In EURm Q4 25 Q4 24 2025 2024 Net Banking Income - Total exceptional items 0 0 0 287 Exceptional proceeds received - Corporate Centre 0 0 0 287 Operating expenses - Total exceptional items and transformation charges (102) (76) (363) (616) Transformation charges (1
Slide 42: IFRIC impact
Group IFRIC 21 impact Total IFRIC 21 - costs o/w Resolution Funds In EURm 2025 2024 2025 2024 French Retail, Private Banking and Insurance (45) (47) 0 0 Global Banking and Investor Solutions (144) (106) (3) 0 Global Markets and Investor Services (110) (85) (3) 0 Financing and Advisory (34) (21) 0 0
Slide 43: Q4 income statement by core business
Group Q4 25 income statement by core business French Retail, Private Banking Global Banking and Investor Mobility, International Retail Corporate Centre Group and Insurance Solutions Banking & Financial Services In EURm Q4 25 Q4 24 Q4 25 Q4 24 Q4 25 Q4 24 Q4 25 Q4 24 Q4 25 Q4 24 Net banking income 2
Slide 44: 2025 income statement by core business
Group 2025 income statement by core business French Retail, Private Banking Global Banking and Investor Mobility, International Retail Corporate Centre Group and Insurance Solutions Banking & Financial Services In EURm 2025 2024 2025 2024 2025 2024 2025 2024 2025 2024 Net banking income 9,227 8,679
Slide 45: CRR3/CRD6 prudential capital ratios
Group CRR3/CRD6 prudential capital ratios Phased-in Common Equity Tier 1, Tier 1 and Total Capital In EURbn 31.12.2025 31.12.2024 Shareholder equity Group share 70.1 70.3 (1) Deeply subordinated notes (9.4) (10.5) (2) Distribution to be paid & interest on subordinated notes (2.8) (1.9) Goodwill and
Slide 46: CRR3/CRD6 leverage ratio
Group CRR3/CRD6 leverage ratio Phased-in Leverage Ratio In EURbn 31.12.2025 31.12.2024 Tier 1 Capital 62.9 62.6 (1) Total prudential balance sheet 1,370 1,407 Adjustments related to derivative financial instruments 3 2 (2) Adjustments related to securities financing transactions 18 14 Off-balance sh
Slide 47: Risk-weighted assets
Group Risk-weighted assets(1) (CRR3/CRD6, in EUR bn) 393.1 389.5 388.5 50.1 61.9 62.9 128.0 129.9 127.3 12.2 120.9 123.2 124.3 123.2 125.1 120.3 11.9 18.6 18.8 10.9 5.2 7.5 19.2 18.5 29.4 24.1 0.0 24.9 0.0 0.1 0.0 0.1 0.1 10.8 10.7 9.5 Total Operational 327.2 115.1 314.6 319.3 Market 109.4 111.1 113
Slide 48: Geographic breakdown commitments
Group Geographic breakdown commitments at 31.12.2025 On-and off-balance sheet EAD(1) 1% 2% 7% France 9% Western Europe (excl. France) 43% North America 15% EUR 1,045bn Eastern Europe Asia Pacific Africa & Middle East Latin America & Caribbean 23% (1) Total credit risk (debtor, issuer and replacement
Slide 49: Gross loans outstanding
Group Gross loans outstanding(1) End of period in EURbn 592.0 568.5 566.6 557.6 571.0 572.5 557.2 556.8 567.9 Total 166.7 142.9 143.2 141.9 142.7 141.1 141.3 141.8 144.8 Mobility, International Retail Banking & Financial Services Global Banking and Investor Solutions 167.5 169.0 167.7 164.8 177.7 17
Slide 50: Cost of risk
Group Cost of risk In EURm Q4 25 Q4 24 2025 2024 Net Cost Of Risk 198 115 703 712 French Retail, Private Banking and Gross loan Outstandings 232,638 233,298 232,042 235,539 Insurance Cost of Risk in bp 34 20 30 30 Net Cost Of Risk 109 97 297 126 Global Banking and Investor Solutions Gross loan Outst
Slide 51: Non-performing loans
Group Non-performing loans In EURbn 31.12.2025 30.09.2025 31.12.2024 Performing loans 493.4 488.3 496.9 ⁽¹⁾ inc. Stage 1 book outstandings 437.8 433.7 443.4 inc. Stage 2 book outstandings 43.7 42.4 39.6 Non-performing loans 14.3 13.9 14.4 inc. Stage 3 book outstandings 14.3 13.9 14.4 (2) Total Gross
Slide 52: Sovereign bonds exposure by geography
Group Sovereign bonds(1) exposure by geography Bank i ng b ook Trad i ng b ook Bond s Tot al Tot al o/w bonds o/w bonds o/w bonds at F V t hrough P &L (A + B) (A) at amortised cost at FV through OCI at FV through P&L In EUR bn, as of 31 December 2025 (B) France 11.6 9.1 6.8 2.3 2.5 Czech Republic 7.
Slide 53: Limited exposure to French sovereign
Group Limited exposure to French sovereign French sovereign exposure(1) EUR 8.5bn ~20% Total French EUR 5.9bn ~10% sovereign exposure: ~80% ~90% EUR 0.6bn ~100% EUR 15.0bn French OAT Public sector loans and other Other securities Amortised cost (HTC(2)) Fair value (HTCS(3)) Limited exposure to Frenc
Slide 54: 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 (%) 2% Office France 16% 4% 25% 9% Reside
Slide 55: 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 31.12.2025 FINANCIAL SPONSORS: ~1.2%(4) of total Group EAD Total Group EAD: EUR 1,045bn Financial services 7.1% HEDGE FUNDS: ~0.4% of total Group EAD Utilitie
Slide 56: 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) 24 20 17 18 16 19 17 19 15 12 14 9 10 10 9 10 8 10 --- Trading VaR(1) 17 9 10 8 Credit 8 8 9 10 9 Interest Rates 17 15 16 12 Equity 13 14 16 11 12 Forex 2 2 1 3 2 2 1 1 2 Commodities 0 0 0 0
Slide 57: EPS calculation
Group EPS calculation Average number of shares (thousands) 2025 2024 2023 Existing shares 790,605 801,915 818,008 Deductions Shares allocated to cover stock option plans and free shares awarded to staff 2,328 4,402 6,802 Other own shares and treasury shares 12,021 2,344 11,891 (1) Number of shares u
Slide 58: Net asset value, tangible net asset value
Group Net asset value, tangible net asset value End of period (in EURm) 2025 2024 2023 Shareholders' equity Group share 70,144 70,256 65,975 Deeply subordinated and undated subordinated notes (9,366) (10,526) (9,095) (1) Interest payable to holders of deeply & undated subordinated notes, issue premi
Slide 59: ROE/ROTE calculation detail
Group ROE/ROTE calculation detail End of period (in EURm) Q4 25 Q4 24 2025 2024 Shareholders' equity Group share 70,144 70,256 70,144 70,256 Deeply subordinated and undated subordinated notes (9,366) (10,526) (9,366) (10,526) Interest payable to holders of deeply & undated subordinated notes, issue
Slide 60: 2025 total distribution of EUR 4,679m up +169% vs. 2024
2025 total distribution of EUR 4,679m up +169% vs. 2024 Ordinary distribution for 2025 Extraordinary distribution EUR 2,679m, +54% vs. 2024, representing a payout ratio of 50%(1) EUR 2,000m Cash dividend Share buy-back(5) Extraordinary share buy-backs EUR 1,217m EUR 1,462m EUR 2,000m EUR 1.61(2) per
Slide 61: French Retail, Private Banking and Insurance: Q4 and 2025 results
French Retail, Private Banking and Insurance Q4 25 and 2025 results French Retail, Private Banking French Retail, Private Banking o/w Insurance o/w Insurance and Insurance and Insurance In EURm Q4 25 Q4 24 Change Q4 25 Q4 24 Change 2025 2024 Change 2025 2024 Change Net banking income 2,378 2,273 +4.
Slide 62: French Retail: Net banking income
French Retail, Private Banking and Insurance Net banking income NBI (in EURm) 2,378 2,273 2,299 2,269 2,281 188 169 170 173 177 +4.6% Insurance revenues 987 Fees 1,029 1,056 1,013 1,021 +4.3% Net Interest Income (excluding PEL/CEL provision or reversal) +349.5% Other income 1,149 1,100 1,056 1,028 1
Slide 63: Customer deposits and financial savings
French Retail, Private Banking and Insurance Customer deposits and financial savings End of period outstandings (in EURbn) 481 475 462 464 466 146 158 Life Insurance (1) 148 150 153 Mutual Funds 35 27 26 28 28 Sight Deposits 130 119 122 120 121 PEL 13 12 12 11 11 Passbook deposits 35 36 37 39 39 56
Slide 64: Loans outstanding
French Retail, Private Banking and Insurance Loans outstanding End of period outstandings, net of provisions (in EURbn) 225 221 222 223 223 117 Housing 113 115 116 116 Consumer Credit and Overdraft 14 14 14 14 14 Business Customers(1) and Financial Institutions 93 94 93 93 93 Q4 24 Q1 25 Q2 25 Q3 25
Slide 65: Insurance key figures
French Retail, Private Banking and Insurance Insurance key figures Life Insurance Outstandings and Unit Linked Breakdown (in EURbn) Personal Protection Insurance Premiums (in EURm) 350 180 153.4 158.1 300 160 146.1 148.1 150.3 250 140 41% 41% 259 262 260 120 40% 40% 40% 252 252 Unit-Linked 200 100 E
Slide 66: Global Banking and Investor Solutions: Q4 results
Global Banking and Investor Solutions Q4 25 results Global Markets and Investor Total Global Banking and Investor Financing and Advisory Services Solutions In EURm Q4 25 Q4 24 Change Q4 25 Q4 24 Change Q4 25 Q4 24 Change Net banking income 1,391 1,497 -4.9%* 1,017 968 +8.5%* 2,408 2,464 -2.3% +0.3%*
Slide 67: Global Banking and Investor Solutions: 2025 results
Global Banking and Investor Solutions 2025 results Global Markets and Investor Total Global Banking and Investor Financing and Advisory Services Solutions In EURm 2025 2024 Change 2025 2024 Change 2025 2024 Change Net banking income 6,653 6,572 +2.4%* 3,767 3,582 +6.7%* 10,419 10,153 +2.6% +3.9%* Op
Slide 68: 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) 67.0 68.3 71.7 60.3 54.8 53.3 5.6 8.5 8.0 1.1 23.8 16.4 16.1 Operational 1.1 1.3 8.4 9.4 Market 9.6 60.3 58.7 62.4 30.0 Credit 27.0 27.8 Q4 24 Q3 2
Slide 69: Global Banking and Investor Solutions revenues
Global Banking and Investor Solutions Revenues Global Markets and Investor Services Revenues (in EURm) Financing & Advisory Revenues (in EURm) 163 176 167 Securities 162 698 Services 615 167 502 597 435 Fixed Income and 968 973 1 017 895 882 Currencies 1,061 962 834 824 789 Equities Q4 24 Q1 25 Q2 2
Slide 70: Financing & Advisory: Supporting clients in their transformations
Financing & Advisory Supporting clients in their transformations Client proximity GBP 5.5bn green loan project financing arranged for the 3.2GW Sizewell C nuclear Innovation Sizewell C power station in the UK, marking the world’s first new nuclear development to Product excellence Senior Mandated Le
Slide 71: Recognised expertise: league tables - rankings - awards
Global Banking and Investor Solutions Recognised expertise: league tables - rankings - awards AWARDS & RANKINGS LEAGUE TABLES GLOBAL BANKING & ADVISORY GLOBAL MARKETS TRANSACTION BANKING SUSTAINABLE FINANCE #3 Sustainability-Linked Loans Volume by Bookrunner #4 Sustainability-Linked Loans Volume by
Slide 72: Mobility, International Retail Banking and Financial Services: Q4 25 results
Mobility, International Retail Banking and Financial Services Q4 25 results International Retail Banking Mobility and Financial Services o/w Consumer finance Total In EURm Q4 25 Q4 24 Change Q4 25 Q4 24 Change Q4 25 Q4 24 Change Q4 25 Q4 24 Change Net banking income 919 1,036 +2.7%* 1,048 1,031 +11.
Slide 73: Mobility, International Retail Banking and Financial Services: 2025 results
Mobility, International Retail Banking and Financial Services 2025 results International Retail Banking Mobility and Financial Services o/w Consumer finance Total In EURm 2025 2024 Change 2025 2024 Change 2025 2024 Change 2025 2024 Change Net banking income 3,675 4,187 +3.1%* 4,316 4,318 +8.8%* 933
Slide 74: Breakdown by region – Q4 25 results
Mobility, International Retail Banking and Financial Services Breakdown by region – Q4 25 results Czech Republic Romania Africa, Mediterranean basin and Total International Retail Banking Overseas In EURm Q4 25 Q4 24 Change Q4 25 Q4 24 Change Q4 25 Q4 24 Change Q4 25 Q4 24 Change Net banking income
Slide 75: Breakdown by region – 2025 results
Mobility, International Retail Banking and Financial Services Breakdown by region – 2025 results Czech Republic Romania Africa, Mediterranean basin and Total International Retail Banking Overseas In EURm 2025 2024 Change 2025 2024 Change 2025 2024 Change 2025 2024 Change Net banking income 1,349 1,3
Slide 76: 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) Q4 25 / Q4 24 (in EURbn) Q4 25 / Q4 24 18.0 +6.3%* 75.5 -1.5%*
Slide 77: Presence in Africa
Mobility, International Retail Banking and Financial Services Presence in Africa (1) (1) (1) Clients NBI Group net income C/I RWA 2.6m EUR 1.3bn EUR 252m 53% EUR 16bn NBI RWA Credits Deposits L/D Ratio Ranking 2025 (in EURm) (in EURbn) (in EURbn) (in EURbn) Ivory Coast 408 4.6 3.7 4.2 88% 1st Tunisi
Slide 78: 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 - Oil & Gas: -80% upstream exposure by 2030 vs. 2019, with an interm
Slide 79: 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 ESG by Euromoney Awards for Excellence 2025 CCC B BB BBB A AA AAA Sector average SG World’s Best Bank for Sustainable Infrastructure& 60+ 50 40 30 20 Low Risk 0 World’s Best Bank for Pr
Slide 80: Methodology (1/2)
Methodology (1/2) 1 – Net banking income The pillars’ net banking income is defined on page 38 of Societe Generale’s 2025 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 81: Methodology (2/2)
Methodology (2/2) 7 – 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
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