Societe Generale S.a. Class A · EURONEXT:GLE
Societe Generale S.a. Class A — Q3 2025 Earnings Presentation
70 slides from Societe Generale S.a. Class A's earnings presentation, Oct 30, 2025
Slide 1: Group Results: Third quarter and nine-month 2025 results
Societe Generale Group Results Third quarter and nine-month 2025 results
Slide 2: Disclaimer
Disclaimer The financial information on Societe Generale for its third Therefore, although Societe Generale believes that these market data and our actual revenues in those markets for the quarter and nine-month 2025 financial results comprises this statements are based on reasonable assumptions, th
Slide 3: Strong 9M 25 results, above end-of-year targets
Strong 9M 25 results, above end-of-year targets Income Balance Sheet 9-month results Statement and Capital for 2025 Revenues Additional share buy-back 9M 25 NBI growth(3) 9M 25 Costs(3) 9M 25 C/I ratio completed on 14 October EUR 20.5bn in 9M 25 +6.7% vs. 9M 24 -2.2% vs. 9M 24 63.3% EUR 1bn 2025 Tar
Slide 4: A more robust, efficient and profitable bank
A more robust, efficient and profitable bank Strengthen capital Improving efficiency Rising profitability Common Equity Tier 1 ratio (%) C/I ratio (%) ROTE (%) Creating 73.8% long-term value Earnings per share (EUR) 13.7% 70.6% 10.5% 69.0% 5.19(2) 13.3% 13.1% 6.9% 5.8% 3.32 12.6%(1) 63.3% 4.2% 1.86
Slide 5: 1. Group performance
1. Group performance SOCIETE GENERALE
Slide 6: Excellent Q3 25 performance with strong positive jaws
Excellent Q3 25 performance with strong positive jaws Income Statement Key highlights Revenues Another quarter of solid revenue growth, +3.0% vs. Q3 24 excluding disposals, and +7.7% EUR 6.7bn in Q3 25, +3.0%(1) vs. Q3 24 excluding disposals and exceptional income in Q3 24 for ~EUR 0.3bn(2) Costs Di
Slide 7: Solid revenue growth in Q3 25
Solid revenue growth in Q3 25 Q3 25 Revenues (EURm) -2.7% +3.0%(2) 6,837 -373 +165 -287 +40 +175 6,655 6,464 +98 Q3 24 Disposals(1) Q3 24 RPBI GBIS MIBS Exceptional Corporate Q3 25 post disposals income(3) Centre(4) French Retail, Private Banking and Insurance +4.5%(5) vs. Q3 24 Global Banking and I
Slide 8: On track to achieve the 2025 C/I ratio target below 65%
On track to achieve the 2025 C/I ratio target below 65% Q3 25 Operating Expenses (EURm) Q3 25 C/I ratio by business (%) -6.2% -1.1% 4,327 -221 70% 66% 4,106 61% 60% 63%(3) 61% 63% <65% 4,060 58% 51% Q3 24 Disposals(1) Q3 24 Q3 25 RPBI GBIS MIBS Group Group 2025 post disposals 9M 25 target Q3 24 Q3 2
Slide 9: Cost of risk in line with guidance
Cost of risk in line with guidance Cost of risk(1) Total S1/S2 provisions(2) (in EURm) In EURm 4.9% 4.3% 4.0% In bps Q3 24 Q4 24 Q1 25 Q2 25 Q3 25 9M 24 9M 25 3,122 3,011 2,946 Group 27 23 23 25 26 27 25 2,040 2,010 1,935 French Retail, Private Banking 30 20 29 25 33 34 29 and Insurance 1,082 1,001
Slide 10: Solid capital position
Solid capital position Change in CET1 ratio (in bps) Risk-weighted assets (in EURbn) 392 388 388 +18bps -5bps +7bps -4bps -1bps 13.7% 13.5% Q3 24 Q2 25 Q3 25 +39bps capital generation -21bps distribution Main regulatory ratios Q2 25 Retained earnings RWA GESOP(2) Regulatory Other Q3 25 Requirements
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 Q3 25 In EURbn at end Q3 25 923 933 923 933 65 Short term Net deposits in 67 140 155 wholesale funding central banks French retail HQLA⁽³⁾ 146 145 Private banking Interbank loa
Slide 12: Group results
Group results In EURm Q3 25 Q3 24 Change 9M 25 9M 24 Change Net banking income(1) 6,655 6,837 -2.7% +3.8%* 20,529 20,167 +1.8% +7.1%* Operating expenses(2) (4,060) (4,327) -6.2% -0.5%* (12,994) (13,877) -6.4% -1.9%* Gross operating income 2,595 2,511 +3.4% +11.2%* 7,535 6,290 +19.8% +27.2%* Net cost
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 +1% -5% SG network SG network SG network loans and deposits outstanding Loans outstanding vs. Q3 24 Deposits outstanding vs. Q3 24 In EURbn In EURbn Growth in loans outstanding vs. Q3 24 and Q2 25 in bo
Slide 15: BoursoBank
1 - FRENCH RETAIL, PRIVATE BANKING AND INSURANCE (RPBI) BoursoBank +28% +22% New client onboarding vs. Q3 24 Total clients vs. Q3 24 In ‘000 In m CMD target of 8m clients reached 18 months ahead of plan High client acquisition with ~400k new clients in Q3 25 424 8.3 397 7.9 6.8 Strong increase in cl
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 Q3 25 Q3 24 Change 9M 25 9M 24 Change Revenues +4.5% vs. Q3 24 excluding disposals Net banking income 2,281 2,260 +0.9% +4.5%* 6,849 6,406 +6.9% +10.4%* NII +4.7%
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 stable vs. Q3 24 Global Markets revenues +0.5% vs. Q3 24 Q3 25 Global Markets revenues 9M 25 Global Markets revenues In EURm In EURm Equities -7% vs. Q3 24 Consolidatin
Slide 18: Financing and Advisory
2 - GLOBAL BANKING AND INVESTOR SOLUTIONS (GBIS) Financing and Advisory Financing and Advisory revenues +4.2% vs. Q3 24 Q3 25 F&A revenues 9M 25 F&A revenues In EURm In EURm Global Banking and Advisory +6.9% vs. Q3 24 882 2,750 Solid Q3 performance supported by financing activities across key 846 84
Slide 19: Global Banking and Investor Solutions
2 - GLOBAL BANKING AND INVESTOR SOLUTIONS (GBIS) Global Banking and Investor Solutions Highlights Income Statement Revenues +1.6% vs. Q3 24 In EUR m Q3 25 Q3 24 Change 9M 25 9M 24 Change Global Markets and Investor Services flat vs. Q3 24 Net banking income 2,469 2,429 +1.6% +4.1%* 8,012 7,689 +4.2%
Slide 20: International Retail Banking
3 - MOBILITY, INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES (MIBS) International Retail Banking International Retail Banking revenues +4.6%* vs. Q3 24 +6%* / +2%* +4%* Loans / deposits outstanding* vs. Q3 24 Revenues* vs. Q3 24 Europe In EURbn In EURm Strong growth in loans outstanding (+6%* v
Slide 21: Mobility and Financial Services
3 - MOBILITY, INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES (MIBS) Mobility and Financial Services Mobility and Financial Services revenues +12.4%* vs. Q3 24 Q3 25 M&FS revenues 9M 25 M&FS revenues In EURm In EURm Ayvens revenues +13.2%(1) vs. Q3 24 (Stable(1) adjusted for depreciations(2) and
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 Q3 25 Q3 24 Change 9M 25 9M 24 Change Revenues +8.7%* vs. Q3 24 Net banking income 1,988 2,119 -6.2% +8.7%* 6,024 6,437 -6.4% +5.
Slide 23: Corporate Centre
Corporate Centre Revenues In EURm Q3 25 Q3 24 Change 9M 25 9M 24 Change Continued efficient management of liquidity Net banking income (83) 29 n/s n/s (356) (365) +2.5% +2.5%* Base effect linked to an exceptional income(1) of ~EUR 0.3bn Operating expenses (70) (27) x 2.6 +10.2%* (337) (185) +81.9% +
Slide 24: Sustainable development: delivering on our ambitions
Sustainable development: delivering on our ambitions Financing the transition Partnering for greater impact Progressing well with ~25% of the EUR 500bn sustainable finance Unlocking private investments in emerging market impact funds through target(1) achieved as at end of June 2025 OLGF(2), a blend
Slide 25: 3. Conclusion
3. Conclusion SOCIETE GENERALE
Slide 26: On track to achieve targets for 2025
On track to achieve targets for 2025 2025 2026 2024 9M 25 TARGETS TARGETS REVENUES +6.7% +6.7%(1) >>+3%(1) REVENUES 0%-2% vs. 2023 vs. 9M 24 vs. 2024 CAGR2022-2026 COST / INCOME RATIO 69.0% 63.3% <65% C/I RATIO in 2024 in 9M 25 in 2025 <60% OF WHICH COSTS -2.2%(2) >>-1%(2) in2026 vs. 9M 24 vs. 2024
Slide 27: 4. Supplement
4. Supplement SOCIETE GENERALE
Slide 28: Overview of exceptional items
Group Overview of exceptional items In EURm Q3 25 Q3 24 9M 25 9M 24 Net Banking Income - Total exceptional items 0 287 0 287 Exceptional income received – Corporate Centre 0 287 0 287 Operating expenses - Total one-off items and transformation charges (57) (62) (262) (541) Transformation charges (57
Slide 29: IFRIC impact
Group IFRIC 21 impact Total IFRIC 21 - costs o/w Resolution Funds In EURm 9M 25 9M 24 9M 25 9M 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) (21)
Slide 30: Q3 income statement by core business
Group Q3 25 income statement by core business French Retail, Private Global Banking and Investor Mobility, International Retail Corporate Centre Group Banking and Insurance Solutions Banking & Financial Services In EURm Q3 25 Q3 24 Q3 25 Q3 24 Q3 25 Q3 24 Q3 25 Q3 24 Q3 25 Q3 24 Net banking income 2
Slide 31: 9M income statement by core business
Group 9M 25 income statement by core business French Retail, Private Global Banking and Investor Mobility, International Retail Corporate Centre Group Banking and Insurance Solutions Banking & Financial Services In EURm 9M 25 9M 24 9M 25 9M 24 9M 25 9M 24 9M 25 9M 24 9M 25 9M 24 Net banking income 6
Slide 32: CRR3/CRD6 prudential capital ratios
Group CRR3/CRD6 prudential capital ratios Phased-in Common Equity Tier 1, Tier 1 and Total Capital In EURbn 30.09.2025 31.12.2024 Shareholder equity Group share 69.8 70.3 (1) Deeply subordinated notes (9.4) (10.5) (2) Distribution to be paid & interest on subordinated notes (2.0) (1.9) Goodwill and
Slide 33: CRR3 leverage ratio
Group CRR3 leverage ratio CRR3 phased-in Leverage Ratio(1) In EURbn 30.09.2025 31.12.2024 Tier 1 Capital 63.0 62.6 (2) Total prudential balance sheet 1,423 1,407 Adjustments related to derivative financial instruments (14) 2 (3) Adjustments related to securities financing transactions 18 14 Off-bala
Slide 34: TLAC and MREL ratios
Group TLAC and MREL ratios TLAC Q3 25 ratios MREL Q3 25 ratios % RWA EUR bn % Leverage % RWA EUR bn % Leverage 30.3% EUR 118bn SP 33.5% EUR 130bn SNP 3.2% 12 SP T2 ⁽¹⁾ 27.5% SNP 11.4% 44 AT1 22.4% T2 ⁽¹⁾ CET1 11.4% 44 AT1 2.7% 10 CET1 EUR 118bn 2.7% 10 2.6% 10 2.6% 10 EUR 118bn 9.0% 8.1% o.w. 6.75%
Slide 35: Risk-weighted assets
Group Risk-weighted assets(1) (CRR3/CRD6, in EUR bn) 392.3 388.0 388.5 50.7 63.1 62.9 128.0 129.4 11.0 126.3 124.6 123.2 123.1 123.2 120.3 7.7 120.8 5.2 18.6 18.6 10.9 10.9 0.2 19.5 19.2 0.0 24.9 24.9 29.8 0.0 0.0 0.1 0.1 9.6 9.5 Total 9.4 Operational 330.6 121.5 115.1 109.4 314.0 314.6 Market 107.7
Slide 36: Geographic breakdown commitments at 30.09.2025
Group Geographic breakdown commitments at 30.09.2025 On-and off-balance sheet EAD(1) 1% 3% 6% France 8% Western Europe (excl. France) North America 44% Eastern Europe 16% EUR 1,062bn Asia Pacific Africa & Middle East Latin America & Caribbean 22% (1) Total credit risk (debtor, issuer and replacement
Slide 37: Change in gross loans outstanding
Group Change in gross loans outstanding(1) End of period in EURbn 597.8 592.0 568.5 566.6 571.0 572.5 557.6 557.2 556.8 164.3 Mobility, International Retail Banking & 166.7 141.9 142.9 143.2 142.7 141.1 141.3 141.8 Financial Services Global Banking and Investor Solutions 173.2 167.5 169.0 167.7 177.
Slide 38: Cost of risk
Group Cost of risk In EURm Q3 25 Q3 24 9M 25 9M 24 Net Cost Of Risk 189 178 505 597 French Retail, Private Banking and Gross loan Outstandings 231,967 234,420 231,843 236,286 Insurance Cost of Risk in bp 33 30 29 34 Net Cost Of Risk 51 27 187 29 Global Banking and Investor Solutions Gross loan Outst
Slide 39: Non-performing loans
Group Non-performing loans In EURbn 30.09.2025 30.06.2025 30.09.2024 Performing loans 488.3 492.5 495.5 ⁽¹⁾ inc. Stage 1 book outstandings 433.7 438.2 447.1 inc. Stage 2 book outstandings 42.4 41.4 34.4 Non-performing loans 13.9 14.0 15.1 inc. Stage 3 book outstandings 13.9 14.0 15.1 (2) Total Gross
Slide 40: Sovereign bonds exposure by geography
Group Sovereign bonds(1) exposure by geography Bank i ng b ook Trad i ng b ook F i nanci al asset 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 30 September 2025 (B) France 10.9 9.4 6.9 2.5 1.6 Cz
Slide 41: Limited exposure to French sovereign
Group Limited exposure to French sovereign French sovereign exposure(1) EUR 8.8bn ~20% Total French EUR 4.8bn ~20% sovereign exposure: ~80% ~80% EUR 0.6bn ~100% EUR 14.2bn French OAT Public sectors loans and other Other securities Amortised cost (HTC(2)) Fair value (HTCS(3)) Limited exposure to Fren
Slide 42: 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 (%) 3% Office
Slide 43: 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 30.09.2025 RECENT US DEFAULTS(4): no exposure Total Group EAD: EUR 1,062bn US REGIONAL BANKS: very negligible exposure Financial services 6.8% Utilities 3.1%
Slide 44: 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 24 20 17 18 16 19 17 19 15 12 9 10 14 9 10 10 8 __ Trading VaR(1) 14 9 10 8 Credit 17 8 10 8 9 Interest Rates 17 15 16 Equity 14 13 14 16 11 12 Forex 2 2 2 1 1 1 2 3 2 Commodities 0 0 0 0
Slide 45: Long term funding programme
Group Long term funding programme 2025 vanilla long-term funding programme completed* Selected recent transactions Societe Generale In August-25 Societe Generale Senior Non-Preferred 6NC5 CHF 230m 1.145% Sep-31NC30 In September-25 Issued Additional Tier 1 PerpNC6.5 EUR 1bn 6.125% PerpNC32 (in EURbn)
Slide 46: Liquid asset buffer
Group Liquid asset buffer Strong liquidity reserves Liquid Asset Buffer (in EURbn) 322 328 315 316 313 40 46 43 46 45 Liquidity reserves at EUR 328bn in Q3 25 . Significant part of cash at Central Banks 97 82 104 127 129 (EUR 154bn as of Q3 25 vs. EUR 185bn as of Q3 24) . HQLA securities (EUR 127bn
Slide 47: EPS calculation
Group EPS calculation Average number of shares (thousands) 9M 25 H1 25 2024 Existing shares 796,533 800,317 801,915 Deductions Shares allocated to cover stock option plans and free shares awarded to staff 1,970 2,175 4,402 Other own shares and treasury shares 12,966 12,653 2,344 (1) Number of shares
Slide 48: Net asset value, tangible net asset value
Group Net asset value, tangible net asset value End of period (in EURm) 9M 25 H1 25 2024 Shareholders' equity Group share 69,826 68,293 70,256 Deeply subordinated and undated subordinated notes (9,372) (8,386) (10,526) (1) Interest payable to holders of deeply & undated subordinated notes, issue pre
Slide 49: ROE/ROTE calculation detail
Group ROE/ROTE calculation detail End of period (in EURm) Q3 25 Q3 24 9M 25 9M 24 Shareholders' equity Group share 69,826 67,446 69,826 67,446 Deeply subordinated and undated subordinated notes (9,372) (8,955) (9,372) (8,955) Interest payable to holders of deeply & undated subordinated notes, issue
Slide 50: French Retail, Private Banking and Insurance: Q3 and 9M results
French Retail, Private Banking and Insurance Q3 25 and 9M 25 results French Retail, Private Banking French Retail, Private Banking o/w Insurance o/w Insurance and Insurance and Insurance In EURm Q3 25 Q3 24 Change Q3 25 Q3 24 Change 9M 25 9M 24 Change 9M 25 9M 24 Change Net banking income 2,281 2,26
Slide 51: 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 2,281 166 169 170 173 177 +0.9% Insurance revenues 1,034 1,029 1,056 1,013 1,021 0.6% Fees Net Interest Income +389.9% (excluding PEL/CEL provision or reversal) 1,067 1,100 1,056 1,028 1,071 +0.4% O
Slide 52: Customer deposits and financial savings
French Retail, Private Banking and Insurance Customer deposits and financial savings End-of-period outstandings (in EURbn) 478 481 462 464 466 145 146 148 150 153 Life Insurance (1) 34 35 Mutual Funds 27 26 28 Sight Deposits 130 130 119 122 120 PEL 13 13 12 12 11 37 35 36 Passbook deposits 37 39 54
Slide 53: Loans outstanding
French Retail, Private Banking and Insurance Loans outstanding End-of-period outstandings, net of provisions (in EURbn) 225 225 221 222 223 118 117 113 115 116 Housing Consumer Credit and Overdraft 14 14 14 14 14 Business Customers(1) and Financial Institutions 94 93 94 93 93 Q3 24 Q4 24 Q1 25 Q2 25
Slide 54: 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) 350 180 150.3 153.4 148.1 300 144.9 146.1 160 140 250 40% 41% 263 262 120 40% 40% 40% 200 259 252 252 Unit Linked 100 1
Slide 55: Global Banking and Investor Solutions: Q3 results
Global Banking and Investor Solutions Q3 25 results Global Markets and Investor Total Global Banking and Investor Financing and Advisory Services Solutions In EURm Q3 25 Q3 24 Change Q3 25 Q3 24 Change Q3 25 Q3 24 Change Net banking income 1,587 1,582 +2.6%* 882 846 +7.0%* 2,469 2,429 +1.6% +4.1%* O
Slide 56: Global Banking and Investor Solutions: 9M results
Global Banking and Investor Solutions 9M 25 results Global Markets and Investor Total Global Banking and Investor Financing and Advisory Services Solutions In EURm 9M 25 9M 24 Change 9M 25 9M 24 Change 9M 25 9M 24 Change Net banking income 5,262 5,074 +4.5%* 2,750 2,614 +6.0%* 8,012 7,689 +4.2% +5.0
Slide 57: 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) 56.9 54.1 54.8 63.9 69.1 68.3 6.2 8.5 8.5 16.4 16.4 Operational 23.6 1.8 0.8 1.1 8.4 Market 8.8 7.6 Credit 55.9 59.8 58.7 25.7 28.9 30.0 Q3 24 Q2 2
Slide 58: Revenues
Global Banking and Investor Solutions Revenues Global Markets and Investor Services Revenues (in EURm) Financing & Advisory Revenues (in EURm) 163 176 Securities 169 167 Services 162 698 615 531 597 Fixed Income and 502 Currencies 968 973 895 846 882 1,061 Equities 882 834 962 824 Q3 24 Q4 24 Q1 25
Slide 59: Supporting clients in their transformations
Global Banking and Investor Solutions Supporting clients in their transformations Client proximity TAG EUR 600m bridge facility to support a strategic acquisition of a substantial Innovation Mandated Lead Arranger, portfolio of rental properties in Poland, combined EUR 284m ABB capital increase Book
Slide 60: Recognised expertise: league tables - rankings - awards
Global Banking and Investor Solutions Recognised expertise: league tables - rankings - awards AWARDS & RANKINGS LEAGUE TABLES GLOBAL MARKETS TRANSACTION BANKING SUSTAINABLE FINANCE #4 Sustainability-Linked Bonds Global1 #4 Green, Social and Sustainability Euro-denominated Bonds Europe1 GlobalCapital
Slide 61: Mobility, International Retail Banking and Financial Services: Q3 25 results
Mobility, International Retail Banking and Financial Services Q3 25 results International Retail Banking Mobility and Financial Services o/w Consumer finance Total In EURm Q3 25 Q3 24 Change Q3 25 Q3 24 Change Q3 25 Q3 24 Change Q3 25 Q3 24 Change Net banking income 923 1,065 +4.6%* 1,065 1,054 +12.
Slide 62: Mobility, International Retail Banking and Financial Services: 9M 25 results
Mobility, International Retail Banking and Financial Services 9M 25 results International Retail Banking Mobility and Financial Services o/w Consumer finance Total In EURm 9M 25 9M 24 Change 9M 25 9M 24 Change 9M 25 9M 24 Change 9M 25 9M 24 Change Net banking income 2,756 3,151 +3.2%* 3,268 3,286 +7
Slide 63: Breakdown by region – Q3 25 results
Mobility, International Retail Banking and Financial Services Breakdown by region – Q3 25 results Czech Republic Romania Africa, Mediterranean basin and Total International Retail Banking Overseas In EURm Q3 25 Q3 24 Change Q3 25 Q3 24 Change Q3 25 Q3 24 Change Q3 25 Q3 24 Change Net banking income
Slide 64: Breakdown by region – 9M 25 results
Mobility, International Retail Banking and Financial Services Breakdown by region – 9M 25 results Czech Republic Romania Africa, Mediterranean basin and Total International Retail Banking Overseas In EURm 9M 25 9M 24 Change 9M 25 9M 24 Change 9M 25 9M 24 Change 9M 25 9M 24 Change Net banking income
Slide 65: 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) Q3 25 / Q3 24 (in EURbn) Q3 25 / Q3 24 18.0 75.1 16.1 +11.8%* 7
Slide 66: Presence in Africa
Mobility, International Retail Banking and Financial Services Presence in Africa (1) (1) (1) Clients NBI Net income C/I RWA 2.6m EUR 1bn EUR 185m 54% EUR 15bn NBI RWA Credits Deposits L/D Ratio Ranking 9M 25 (in EURm) (in EURbn) (in EURm) (in EURm) Ivory Coast 300 4 3,643 4,316 84% 1st Tunisia 119 3
Slide 67: 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 68: 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 Sustainable Infrastructure& 60+ 50 40 30 20 Low Risk 0 13.2 World’s Best Bank for Project Fin
Slide 69: 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 70: 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