Who we serve

The Group’s identity is built on a foundation of long-term, trust-based relationships with its clients, recognized expertise, a strong capacity for innovation, proven ESG capabilities, and leading franchises. These strengths fully support its mission: to generate sustainable value for all its stakeholders.

Our clients

The society

The Group’s strategy is clear: to be a rock-solid bank, with strong and sustainable performance that contributes to the Sustainable Development Goals. The Group serves its clients by strengthening its role as a driving force for both economic and social development in regions and their ecosystems in a rapidly changing world.

• €500bn sustainable finance target for the 2024-2030 period
• Euromoney 2025: recognized as the World’s Best Bank for ESG criteria
• Income tax expense: €2.5bn in 2024 

The Group contributes to the financing of major infrastructure projects and to sustainable finance.

The Group is implementing a global philanthropy program spearheaded by the Societe Generale Corporate Foundation. The Foundation supports public-interest organizations and cultural institutions operating in three areas essential to societal life: the education for the most vulnerable youth (particularly in financial education and professional integration), culture (classical music and contemporary art) and environment (nature conservation, with a focus on biodiversity and oceans).

In terms of sports commitments, Societe Generale is also a long-standing partner of all forms of rugby and supports parasports and eSports.

Societe Generale also implements concrete actions to ensure inclusive and equitable access to its products and services, notably through multiple financial education initiatives and support for microfinance.

• Financial education initiatives: the video program “Le 5’ des experts” by the SG Network, the online training platform Bourso Campus, and the 2050 Investors podcast.
• Partnership with ADIE (Association for the Right to Economic Initiative): increased outstanding loans to €41.2 million at the end of 2024.

New multi-year action program by the Societe Generale Corporate Foundation (2024-2028): increased endowment of €55m.

Our employees

The Group acts as a responsible employer through the various policies and tools implemented within the company to attract, recruit, onboard, train, and engage employees.

Enabling each employee to fully realize their potential within the Group

• 38.2 hours of training per employee per year.
• 95% of the Group’s employees have taken at least one CSR training course.

Providing a fulfilling, adapted and efficient work environment

• 88% of employees feel included and accepted for who they are.
• Global agreement on fundamental rights with UNI Global Union, including provisions reflecting the Group’s DEI (Diversity, Equity and Inclusion) commitment.

Fostering employee commitment and impact

• 79% of employees feel proud to be part of the Societe Generale group.
• 11,364 days devoted to solidarity actions by employees in 2024.

Our shareholders

In 2024, thanks to strong performance and significant progress in its strategic projects, the Group successfully doubled its earnings per share. Building on these achievements, Societe Generale is strengthening both its payout level and distribution policy.

Recurrent distribution

• Payout ratio increased from 40%–50% to 50% starting in 2024, based on the Group's net income.
• Balanced allocation between cash dividends and share buybacks.

Excess capital allocation

Proactive management of sustainable excess capital above a pro forma Basel IV CET1 ratio of 13%, in the best interest of shareholders:

• distribution to shareholders,
• profitable and disciplined growth.

*Based on the number of shares outstanding as of 31/12/2024, after deducting treasury shares and subject to the usual approvals of the General Shareholders' Meeting.