You would like to use finance products which offer variable terms, combining adaptability and flexibility... You have investment plans and you’re wondering about a public-private partnership...

Whether you are looking to finance your day-to-day working capital or fund your long-term structural investments, the solutions we provide combine adaptability and flexibility.
Adaptability means being sensitive to the realities of your needs, your objectives and your limitations. With our financial products, you can use your capital progressively, over periods of up to several years. You can then consolidate in stages, using depreciation profiles and periods that correspond to the type of investments you make.
By offering you flexibility, we give you access, whatever the size of your  loan, to competitive fixed rates, as well as to more than twenty variable indices in the Euro zone.
Depending on your strategy, you can choose at any time to opt for a fixed rate or, on the contrary, take a forward position on the most advantageous index. Yet more flexibility with the possibility of  using cash surplus to make temporary loan repayments.

Public-Private Partnerships
You have investment plans and you’re wondering about a public-private partnership...
Societe Generale's specialists can offer you:

• Fully integrated contracts, with clear undertakings concerning deadlines, prices and performance, both for new building projects and for maintenance;

• The best possible financing arrangements, fully suited to your plans and with the long term commitment of Société Générale.

As the benchmark bank for many large French and European companies, Société Générale has solid experience in public sector transactions.
Our specialists are in an ideal position to carry out projects that bring together public authorities and private operators.

Our teams are available to answer any specific questions you may have:

• Conventional financing, Michel de Souza 01 42 14 18 42;
• Public-Private Partnerships, Christophe Arnal 01 42 14 16 42, Alain Motter 01 42 14 84 39

You want to manage your debt within an overall approach to risk ?

Société Générale, a major player in financial risk management and a leader in debt management solutions in France, places all its expertise at the disposal of local authorities.

• Listening: our specialist dealers on the trading floor work with the account executives in our commercial departments. Their job is to manage your debt profile and your risks. They bring you tailor-made solutions that are simple and innovative, so you can choose between flexibility and performance-based criteria.

• Advice and decision-making: the management strategies proposed by our experts are made-to-measure. A large amount of information (economic data, figures over time, forecasts) is available to help you make the right decision.

• Long term partnerships: our teams are committed to provide you with the best advice in terms of debt management, not only today, but in the spirit of a long term relationship. We provide full-time monitoring of the arrangements set up with Societe Generale and we advise you throughout their life cycle in order to adapt them according to changing market conditions.

Our teams are available to answer any specific questions you may have:

• Financial risk management - Samuel Communeau 01 42 13 57 20 ; Yves Maufrais 01 42 13 83 57

You want optimise management of everyday expenditure in your local authority...

Société Générale offers you solutions to match your specific requirements:

• the Purchase Card to smooth your purchasing processes and reduce administrative costs;

• the Business Card to manage your representatives’ travel costs and general expenses.

Two innovative and high performance solutions for optimised expense management.

Our teams are available to answer any specific questions you may have:

• Business Cards and Purchase Cards, Philippe Muller 01 58 98 88 02

Are you looking for a partner, a property developer, who is involved right from the planning stage in considering the balance of your property portfolio in the urban landscape and its development in harmony with the environment? Would you like to see your fleet of vehicles managed in a more professional manner?

SOGEPROM, a Société Générale subsidiary and leading property developer, is ready and willing to meet your needs. SOGEPROM is present in all areas of the property market: town planning, commercial property and office buildings, as well as themed housing and residential property developments.

The overall size of the business in 2007 was about € 901 million with nearly 3,000 houses sold and 100,000 m2 of offices and shops built.
ALD Automotive, the leader in the French market in Fleet Management (or Outsourced Fleet Management and Long Term Leasing) offers to take full responsibility for the rigorous management of all aspects of the management of your vehicle budget: maintenance, assistance, tyres, fuel supplies, replacement vehicles, management of repair work and insurance and the preparation of accurate reports and the communication of all the information necessary for you to meet administrative and accounting obligations, such are the services offered by ALD Automotive.

You remain in control of the financing method. You delegate the management of your fleet to an expert, secure in the knowledge that costs are under control. You simplify your organisation while facilitating changes in your management model.

Our teams are available to answer any specific questions you may have:

• Property Development, Véronique Dansan 01 46 35 61 06
• Fleet Management, Antoine Guyot 08 25 80 10 85