71 slides from Societe Generale S.a. Class A's earnings presentation, Jul 31, 2025
Slide 1: Group Results: Second quarter and first half 2025 results
Societe Generale Group Results Second quarter and first half 2025 results
Slide 2: Disclaimer
Disclaimer The financial information on Societe Generale for its second Therefore, although Societe Generale believes that these market data and our actual revenues in those markets for the quarter and first half 2025 financial results comprises this statements are based on reasonable assumptions, t
Slide 3: Strong half-year results, first additional share buy-back
Strong half-year results, first additional share buy-back Income Balance Sheet Half-year results ahead of Statement and Capital end-of-year initial targets Revenues Additional share buy-back H1 25 NBI growth(3) H1 25 Costs(3) H1 25 C/I ratio EUR 13.9bn in H1 25 EUR 1bn +8.6% vs. H1 24 -2.6% vs. H1 2
Slide 4: Upgrade of the 2025 targets
Upgrade of the 2025 targets REVENUES >>+3%(1) NEW C/I RATIO TARGET COSTS >>-1%(1) NEW ROTE TARGET Better than guided <65% ~9% (vs. <66% before) (vs. >8% before) (1) Excluding asset disposals 2ND QUARTER AND 1ST HALF 2025 RESULTS I 31 JULY 2025 4
Slide 5: Improved performance across businesses
Improved performance across businesses French Retail, Private Global Banking & Mobility, International Retail Banking and Insurance Investor Solutions Banking and Financial Services (RPBI) (GBIS) (MIBS) C/I ratio (in %) RONE (in %) C/I ratio (in %) RONE (in %) C/I ratio (in %) RONE (in %) 81% 18.2%
Slide 6: Delivering value to shareholders
Delivering value to shareholders First additional share buy-back Change in the distribution policy Strong capital generation in H1 25 Continuous improvement in business performance Large buffer over MDA (~330bps) Greater predictability and stability of Group’s earnings More clarity on the implementa
Slide 7: 1. Group performance
1. Group performance SOCIETE GENERALE
Slide 8: Another strong quarter in Q2 25
Another strong quarter in Q2 25 Income Statement Highlights Revenues Strong revenue growth of +7.1% excluding asset disposals EUR 6.8bn in Q2 25, +7.1%(1) vs. Q2 24 Costs Strict cost control, down -2.8% excluding asset disposals and GESOP(2) -2.8% vs Q2 24, excl. disposals and GESOP (2) Increasing o
Slide 9: Solid revenues across businesses in Q2
Solid revenues across businesses in Q2 25 Q2 25 Revenues (EURm) +1.6% +7.1%(1) 6,685 -342(2) +139 +71 6,791 +219 +19 6,343 Q2 24 Disposals Q2 24 RPBI GBIS MIBS Corporate Q2 25 post disposals Centre French Retail, Private Banking and Insurance +10.7%(1) vs. Q2 24 (+2.8% excluding short term hedge imp
Slide 10: Better C/I ratio across the board
Better C/I ratio across the board Q2 25 Operating Expenses (EURm) Q2 25 C/I ratio by business (%) -5.2% -2.8% 4,570 -214(1) 77% 4,356 -30 -93 +98 4,331 65% 68% 64% <65% 4,233 63% 62% 58% 52% Q2 24 Disposals Q2 24 Net savings CTA(2) Q2 25 GESOP(3) Q2 25 RPBI GBIS MIBS Group 2025 Post Before New targe
Slide 11: Low cost of risk in Q2 25
Low cost of risk in Q2 25, at the lower end of the guidance range Cost of risk(1) Total S1/S2 provisions(2) (in EURm) In EURm 4.7% 4.7% 4.3% In bps Q2 24 Q3 24 Q4 24 Q1 25 Q2 25 H1 24 H1 25 3,178 3,131 3,011 Group 26 27 23 23 25 27 24 2,067 2,107 2,010 French Retail, Private Banking 29 30 20 29 25 3
Slide 12: Solid capital position, up 10bps after buy-back
Solid capital position, up +10bps after EUR 1bn share buy-back Change in CET1 ratio (in bps) Risk-weighted assets (in EURbn) 389 393 388 +8bps +2bps 13.8% -25bps +8bps +15bps 13.5% 13.4% Q2 24 Q1 25 Q2 25 +37bps capital generation -22bps distribution Main regulatory ratios Requirements Ratios Q1 25
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 Q2 25 In EURbn at end Q2 25 931 923 931 923 63 Short term Net deposits in 67 170 140 wholesale funding French retail central banks(3) HQLA(4) 146 Private banking 117 3% 15% Mob
Slide 14: Group results
Group results In EURm Q2 25 Q2 24 Change H1 25 H1 24 Change Net banking income 6,791 6,685 +1.6% +7.8%* 13,874 13,330 +4.1% +8.8%* Operating expenses (4,331) (4,570) -5.2% -0.1%* (8,935) (9,550) -6.4% -2.6%* Gross operating income 2,460 2,115 +16.4% +25.3%* 4,939 3,780 +30.7% +37.8%* Net cost of ris
Slide 15: 2. Business performance
2. Business performance SOCIETE GENERALE
Slide 16: SG network, Private Banking and Insurance
1 - FRENCH RETAIL, PRIVATE BANKING AND INSURANCE (RPBI) SG network, Private Banking and Insurance -2% -3% SG network loans and deposits outstanding SG network SG network av. loans outstanding vs. Q2 24 av. deposits outstanding vs. Q2 24 Stable loans outstanding excluding PGE vs. Q2 24 In EURbn In EU
Slide 17: BoursoBank
1 - FRENCH RETAIL, PRIVATE BANKING AND INSURANCE (RPBI) BoursoBank +40% +22% New client onboarding vs. Q2 24 Total clients vs. Q2 24 Strong client growth In ‘000 In m Client acquisition remains high with 424k new clients in Q2 25 7.9 and 1.4m since Q2 24 458 424 6.5 7.6 Total of 8.0m clients reached
Slide 18: 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 25 Q2 24 Change H1 25 H1 24 Change Revenues +10.7% vs. Q2 24, excluding asset disposals Net banking income 2,269 2,131 +6.5% +10.7%* 4,568 4,146 +10.2% +13.6%*
Slide 19: Global Markets and Investor Services
2 - GLOBAL BANKING AND INVESTOR SOLUTIONS (GBIS) Global Markets and Investor Services Revenues +0.4% vs. Q2 24 Q2 25 Global Markets revenues H1 25 Global Markets revenues Global Markets revenues +0.8% vs. Q2 24 In EURm In EURm Equities -2.9% vs. Q2 24 Resilient revenues compared to a very strong Q2
Slide 20: Financing and Advisory
2 - GLOBAL BANKING AND INVESTOR SOLUTIONS (GBIS) Financing and Advisory Q2 25 F&A revenues H1 25 F&A revenues Revenues +1.3% vs. Q2 24 In EURm In EURm Global Banking and Advisory +3.6% vs. Q2 24 1,868 883 895 1,768 858 1,708 Sound Q2 performance driven by acquisition finance, fund financing and infr
Slide 21: Global Banking and Investor Solutions
2 - GLOBAL BANKING AND INVESTOR SOLUTIONS (GBIS) Global Banking and Investor Solutions Highlights Income Statement Revenues +0.7% vs. Q2 24 In EUR m Q2 25 Q2 24 Variation H1 25 H1 24 Change Global Markets and Investor Services +0.4% vs. Q2 24 Net banking income 2,647 2,628 +0.7% +2.4%* 5,542 5,259 +
Slide 22: International Retail Banking
3 - MOBILITY, INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES (MIBS) International Retail Banking Revenues +2.7%* vs. Q2 24 +7%* / Stable* +6%** +6% Europe Loans / deposits outstanding vs. Q2 24 Revenuesvs. Revenues vs.Q2 Q224 24 In EURbn In EURm In EURm Robust growth of loans outstanding (+7%*
Slide 23: Mobility and Financial Services
3 - MOBILITY, INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES (MIBS) Mobility and Financial Services Revenues +11.1%* vs. Q2 24 Q2 25 M&FS revenues H1 25 M&FS revenues Ayvens revenues +10.6% vs. Q2 24 In EURm In EURm (-3% excluding depreciation adjustments and non-recurring items(1)) Margin expa
Slide 24: 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 25 Q2 24 Change H1 25 H1 24 Change Revenues +7.2%* vs. Q2 24 Net banking income 2,036 2,157 -5.6% +7.2%* 4,036 4,318 -6.5% +4.
Slide 25: Corporate Centre
Corporate Centre Revenues Optimisation of excess liquidity costs In EURm Q2 25 Q2 24 Change H1 25 H1 24 Change Net banking income (160) (231) +30.8% +30.8%* (273) (394) +30.8% +30.8%* Operating expenses (164) (13) x 12.3 x 4.3 (267) (158) +68.3% +45.3%* Operating expenses Gross operating income (324
Slide 26: ESG: Preparing for the future
ESG: Preparing for the future Investing for a sustainable future Scientific Advisory Council Contributing to ocean preservation, e.g. acting as exclusive advisor 8 members(1) with complementary skills in the areas of technology, to Eurazeo for the “Maritime Upgrade” fund, a debt fund supporting AI,
Slide 27: 3. Conclusion
3. Conclusion SOCIETE GENERALE
Slide 28: On track to achieve upgraded targets for 2025
On track to achieve upgraded targets for 2025 INITIAL UPGRADED 2026 2024 6M 25 2025 TARGETS 2025 TARGETS TARGETS REVENUES +6.7% +8.6%(1) >+3%(1) REVENUES 0%-2% vs. 2023 vs. 6M 24 vs. 2024 CAGR2022-2026 COST / INCOME RATIO 69.0% 64.4% <66% <65% C/I RATIO in 2024 in 6M 25 in 2025 in 2025 <60% OF WHICH
Slide 29: 4. Supplement
4. Supplement SOCIETE GENERALE
Slide 30: Overview of exceptional items
Group Overview of exceptional items In EURm Q2 25 Q2 24 H1 25 H1 24 Operating expenses - Total one-off items and transformation charges (131) (127) (205) (479) Transformation charges (30) (124) (104) (476) Of which French Retail, Private Banking and Insurance (10) (45) (33) (127) Of which Global Ban
Slide 31: IFRIC impact
Group IFRIC 21 impact Total IFRIC 21 Impact o/w Resolution Funds - costs In EURm 6M 25 6M 24 6M 25 6M 24 French Retail, Private Banking and Insurance (45) (47) 0 0 Global Banking and Investor Solutions (134) (106) (3) 0 Global Markets and Investor Services (103) (85) (3) 0 Financing and Advisory (31
Slide 32: Q2 income statement by core business
Group Q2 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 Q2 25 Q2 24 Q2 25 Q2 24 Q2 25 Q2 24 Q2 25 Q2 24 Q2 25 Q2 24 Net banking income 2
Slide 33: H1 income statement by core business
Group H1 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 6M 25 6M 24 6M 25 6M 24 6M 25 6M 24 6M 25 6M 24 6M 25 6M 24 Net banking income 4
Slide 34: CRR3/CRD6 prudential capital ratios
Group CRR3/CRD6 prudential capital ratios Phased-in Common Equity Tier 1, Tier 1 and Total Capital In EURbn 30.06.2025 31.12.2024 Shareholder equity Group share 68.3 70.3 (1) Deeply subordinated notes (8.4) (10.5) (2) Distribution to be paid & interest on subordinated notes (2.5) (1.9) Goodwill and
Slide 35: CRR3 leverage ratio
Group CRR3 leverage ratio CRR3 phased-in Leverage Ratio(1) In EURbn 30.06.2025 31.12.2024 Tier 1 Capital 61.4 62.6 (2) Total prudential balance sheet 1,380 1,407 Adjustments related to derivative financial instruments (6) 2 (3) Adjustments related to securities financing transactions 17 14 Off-balan
Slide 36: TLAC and MREL ratios
Group TLAC and MREL ratios TLAC Q2 25 ratios MREL Q2 25 ratios % RWA EUR bn % Leverage % RWA EUR bn % Leverage 29.9% EUR 116bn SP 33.4% EUR 130bn SNP 3.5% 14 SP T2 ⁽¹⁾ 27.4% SNP 11.2% 44 22.3% AT1 T2 ⁽¹⁾ CET1 11.2% 44 AT1 2.9% 11 CET1 2.9% 11 2.3% 9 EUR 116bn 8.3% o.w. 2.3% 9 EUR 116bn 9.2% 6.75% ju
Slide 37: Risk-weighted assets
Group Risk-weighted assets(1) (CRR3/CRD6, in EUR bn) 393.1 388.5 388.0 50.5 64.7 63.1 126.3 129.2 128.2 11.3 125.0 125.5 124.6 123.1 118.1 7.6 120.0 10.7 18.6 10.9 5.2 18.7 0.3 19.6 19.5 24.9 24.9 0.0 29.8 0.0 0.0 0.1 0.1 Total 9.7 9.6 10.1 Operational Market 326.8 121.4 317.7 112.9 314.0 Credit 106
Slide 38: Geographic breakdown commitments at 30.06.2025
Group Geographic breakdown commitments at 30.06.2025 On-and off-balance sheet EAD(1): EUR 1,041bn Africa and Middle Latin America and East 3% Caribbean 1% Asia Pacific 7% Eastern Europe (EU) 8% France 44% North America 15% Western Europe (excl. France) 22% (1) Total credit risk (debtor, issuer and r
Slide 39: Change in gross loans outstanding
Group Change in gross loans outstanding(1) End of period in EURbn 597.0 597.8 592.0 568.5 566.6 557.6 571.0 572.5 557.2 TotalTotal 163.5 164.3 166.7 141.9 142.7 142.9 143.2 Mobility, International Retail Banking & 141.1 141.3 Financial Services Global Banking and Investor Solutions 171.7 173.2 167.5
Slide 40: Cost of risk
Group Cost of risk In EURm Q2 25 Q2 24 S1-25 S1-24 Net Cost of Risk 146 173 317 420 French Retail, Private Banking and Gross loan Outstandings 230,025 236,044 231,781 237,219 Insurance Cost of Risk in bp 25 29 27 35 Net Cost of Risk 81 21 136 1 Global Banking and Investor Solutions Gross loan Outsta
Slide 41: Non-performing loans
Group Non-performing loans In EURbn 30.06.2025 31.03.2025 30.06.2024 Performing loans 492.5 492.0 499.9 ⁽¹⁾ inc. Stage 1 book outstandings 438.2 439.0 450.1 inc. Stage 2 book outstandings 41.4 39.7 36.0 Non-performing loans 14.0 14.3 15.6 inc. Stage 3 book outstandings 14.0 14.3 15.6 (2) Total Gross
Slide 42: Sovereign exposure by geography
Group Sovereign exposure by geography Banking book Trading book o/w Financial assets o/w Financial assets at o/w Financial assets at at amortised cost FV through OCI FV through P&L Financial assets at FV Total Total through P&L (A + B) (A) o/w Central (B) In EUR bn, as of 30 June 2025 Total (1) Tota
Slide 43: Limited and sound commercial real estate exposure
Group Limited and sound commercial real estate exposure Diversified exposure European portfolio US portfolio Commercial real estate gross exposure by geography (%) European commercial real estate gross exposure by asset class (%) US commercial real estate gross exposure by asset class (%) Office 1%
Slide 44: Focus on exposures
Group Focus on exposures Corporate portfolio breakdown Most sensitive exposures Corporate EAD(1) in each sector in % of total Group EAD at 30.06.2025 COMMERCIAL REAL ESTATE: ~2.7% of total Group EAD Total Group EAD: EUR 1,041bn Financial services 6.7% CONSTRUCTION: ~1.2% of total Group EAD Utilities
Slide 45: 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) 27 24 24 17 18 16 19 20 17 18 15 12 __ Trading VaR(1) 14 9 10 9 10 10 Credit 15 14 9 17 8 10 Interest Rates 10 8 9 Equity 14 14 14 16 17 15 Forex 11 13 12 Commodities 2 2 2 2 1 1 1 2 3 1 0 0
Slide 46: Long term funding programme
Group Long term funding programme 2025 vanilla long-term funding programme well advanced Selected recent transactions Societe Generale In May-25 Societe Generale Programme Issued Senior Non-Preferred 5NC4 In May-25 EUR 1.5bn 3.375% May-30NC29 (in EURbn) (in EURbn) Senior Non-Preferred 11NC10 Senior
Slide 47: Liquid asset buffer
Group Liquid asset buffer Strong liquidity reserves Liquid Asset Buffer (in EURbn) 326 322 315 316 313 33 40 Liquidity reserves at EUR 313bn at end of June 2025 43 46 45 81 . Balanced mix between cash at Central banks and 97 82 104 HQLA securities 129 . HQLA securities (EUR 129bn net of haircuts) mo
Slide 48: EPS calculation
Group EPS calculation Based on average number of shares (thousands) H1 25 Q1 25 2024 Existing shares 800,317 800,317 801,915 Deductions Shares allocated to cover stock option plans and free shares awarded to staff 2,175 2,586 4,402 Other own shares and treasury shares 12,653 7,646 2,344 (1) Number o
Slide 49: Net asset value, tangible net asset value
Group Net asset value, tangible net asset value End of period (in EURm) H1 25 Q1 25 2024 Shareholders' equity Group share 68,293 70,556 70,256 Deeply subordinated and undated subordinated notes (8,386) (10,153) (10,526) Interest payable to holders of deeply & undated subordinated notes, issue premiu
Slide 50: ROE/ROTE calculation detail
Group ROE/ROTE calculation detail End of period (in EURm) Q2 25 Q2 24 H1 25 H1 24 Shareholders' equity Group share 68,293 66,829 68,293 66,829 Deeply subordinated and undated subordinated notes (8,386) (9,747) (8,386) (9,747) (1) Interest payable to holders of deeply & undated subordinated notes, is
Slide 51: French Retail, Private Banking and Insurance: Q2 and H1 results
French Retail, Private Banking and Insurance Q2 25 and H1 25 results French Retail, Private Banking French Retail, Private Banking o/w Insurance o/w Insurance and Insurance and Insurance In EURm Q2 25 Q2 24 Change Q2 25 Q2 24 Change H1 25 H1 24 Change H1 25 H1 24 Change Net banking income 2,269 2,13
Slide 52: French Retail, Private Banking and Insurance: Net banking income
French Retail, Private Banking and Insurance Net banking income NBI (in EURm) 2,260 2,273 2,299 2,269 2,131 166 169 170 173 +6.5% 173 Insurance revenues 1,034 1,029 1,056 1,013 1,027 Fees 0.4% Net Interest Income +64.2% (excluding PEL/CEL provision or reversal) 1,067 1,100 1,056 1,028 Other income 8
Slide 53: Customer deposits and financial savings
French Retail, Private Banking and Insurance Customer deposits and financial savings Average outstandings (in EURbn) 475 480 478 473 464 143 145 146 148 150 Life Insurance (1) 33 33 35 Securities, Mutual Funds and Other 32 26 Sight Deposits 133 133 130 125 PEL 122 Passbook deposits 14 13 13 12 12 36
Slide 54: Loans outstanding
French Retail, Private Banking and Insurance Loans outstanding Average outstandings, net of provisions (in EURbn) 229 228 226 223 223 -2.6% 118 117 116 114 114 Housing -3.1% Consumer Credit and Overdraft 14 14 14 14 14 Business -1.9% Customers(1) and Financial Institutions 97 96 96 95 95 -2.2% Q2 24
Slide 55: 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) 350 160 142.9 144.9 146.1 148.1 150.3 300 140 40% 250 120 39% 40% 40% 40% 267 262 Unit Linked 263 259 252 200 100 80 Eu
Slide 56: Global Banking and Investor Solutions: Q2 results
Global Banking and Investor Solutions Q2 25 results Global Markets and Investor Total Global Banking and Investor Financing and Advisory Services Solutions In EURm Q2 25 Q2 24 Change Q2 25 Q2 24 Change Q2 25 Q2 24 Change Net banking income 1,753 1,745 +1.9%* 895 883 +3.5%* 2,647 2,628 +0.7% +2.4%* O
Slide 57: Global Banking and Investor Solutions: H1 results
Global Banking and Investor Solutions H1 25 results Global Markets and Investor Total Global Banking and Investor Financing and Advisory Services Solutions In EURm H1 25 H1 24 Change H1 25 H1 24 Change H1 25 H1 24 Change Net banking income 3,674 3,492 +5.4%* 1,868 1,768 +5.7%* 5,542 5,259 +5.4% +5.5
Slide 58: 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) 62.2 70.5 69.1 57.8 57.7 54.1 6.2 8.5 8.5 16.4 16.4 Operational 1.7 1.0 0.8 23.6 8.6 8.8 Market 8.4 54.3 60.9 59.8 32.7 Credit 25.8 28.9 Q2 24 Q1 2
Slide 59: Revenues
Global Banking and Investor Solutions Revenues Global Markets and Investor Services Revenues (in EURm) Financing & Advisory Revenues (in EURm) 163 181 176 Securities 169 Services 162 698 573 615 531 502 Fixed Income and Currencies 968 973 895 883 846 991 1,061 962 Equities 882 834 Q2 24 Q3 24 Q4 24
Slide 60: Financing & Advisory: Supporting clients in their transformations
Financing & Advisory Supporting clients in their transformations Client proximity Serbia Ministry of Finance EUR 1.9bn financing supporting the acquisition of 12 air combat fighters by the Innovation Ministry of Finance of Serbia. This investment will contribute to the modernization Mandated Lead Ar
Slide 61: Recognised expertise: league tables - rankings - awards
Global Banking and Investor Solutions Recognised expertise: league tables - rankings - awards AWARDS & RANKINGS LEAGUE TABLES GLOBAL MARKETS GLOBAL BANKING & ADVISORY SUSTAINABLE FINANCE SPi awards 2025 #2 Sustainability-Linked Loans Volume by Bookrunner Global #2 Green Loans Volume by MLA Global En
Slide 62: Mobility, International Retail Banking and Financial Services: Q2 25 results
Mobility, International Retail Banking and Financial Services Q2 25 results International Retail Banking Mobility and Financial Services o/w Consumer finance Total In EURm Q2 25 Q2 24 Change Q2 25 Q2 24 Change Q2 25 Q2 24 Change Q2 25 Q2 24 Change Net banking income 920 1,046 +2.7%* 1,116 1,111 +11.
Slide 63: Mobility, International Retail Banking and Financial Services: H1 25 results
Mobility, International Retail Banking and Financial Services H1 25 results International Retail Banking Mobility and Financial Services o/w Consumer finance Total In EURm H1 25 H1 24 Change H1 25 H1 24 Change H1 25 H1 24 Change H1 25 H1 24 Change Net banking income 1,833 2,086 +2.3%* 2,203 2,232 +5
Slide 64: Breakdown by region – Q2 25 results
Mobility, International Retail Banking and Financial Services Breakdown by region – Q2 25 results Czech Republic Romania Africa, Mediterranean basin and Total International Retail Banking Overseas In EURm Q2 25 Q2 24 Change Q2 25 Q2 24 Change Q2 25 Q2 24 Change Q2 25 Q2 24 Change Net banking income
Slide 65: Breakdown by region – H1 25 results
Mobility, International Retail Banking and Financial Services Breakdown by region – H1 25 results Czech Republic Romania Africa, Mediterranean basin and Total International Retail Banking Overseas In EURm H1 25 H1 24 Change H1 25 H1 24 Change H1 25 H1 24 Change H1 25 H1 24 Change Net banking income
Slide 66: 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 25 / Q2 24 (in EURbn) Q2 25 / Q2 24 17.8 +14.3* 15.6 3.2 76.
Slide 67: Presence in Africa
Mobility, International Retail Banking and Financial Services Presence in Africa (1) (1) (1) Clients NBI Net income C/I RWA 2.7m EUR 0.7bn EUR 117m 55% EUR 16bn NBI RWA Credits Deposits L/D Ratio Ranking H1 25 (in EURm) (in EURm) (in EURm) (in EURm) Ivory Coast 196 4,111 3,577 4,343 82% 1st Tunisia
Slide 68: Key ESG Ambitions
Key ESG Ambitions 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 intermediar
Slide 69: External recognition in ESG
External recognition in ESG AGENCIES WORST SCORE BEST AWARDS Sector average SG World's Best Bank for ESG by Euromoney Awards for CCC B BB BBB A AA AAA Excellence 2025 Sector average SG World’s Best Bank for 60+ 50 40 30 20 Low Risk 0 Sustainable Infrastructure& 15.4 World’s Best Bank for Project Sec
Slide 70: 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 71: 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