Frédéric Oudéa's editorial

The good commercial and financial performance in the third quarter of 2016 demonstrate the pertinence
of our well-balanced and diversified banking model, as well as our ability to grow our businesses in a challenging environment. We recorded Net Income, excluding non-economic items, of €1.26 billion in
Q3 2016, up +39.0% year-on-year.

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Watch the interview with Frédéric Oudéa

Frédéric Oudéa, CEO, discusses the Group’s 3rd Quarter 2016 Results in an interview with EuroBusinessMedia (CEO-Direct).

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Results by business

STRATEGY

Continuing the digital journey

Societe Generale is ranked as the leading bank and overall 3rd highest company in this year’s eCAC 40 awards. To mark the occasion, Frédéric Oudéa’s latest LinkedIn article presents some of the recent highlights of the Group’s digital transformation: “Digital transformation is a long-term commitment; there is no pre-set final objective. Above all, it’s a state of mind and a new culture.”

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EXPERT OPINION

Fiscal policy to the rescue?

The period of weak global economic growth still seems set to continue, even though a slight upturn in activity in 2017 is expected. The sources of fragility that contribute to this situation are numerous.

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INNOVATION

New technologies for stronger cybersecurity

Digital accounts for 86% of our incoming contacts, with 700 million logins per year, mostly from mobile devices. This profound change in the Bank’s customer relations has heightened the security challenge, which Societe Generale will address by more than doubling its IT budget for cybersecurity and investing in new technologies .

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COMMITMENTS

The Grande Ecole du Numérique - providing skills for tomorrow

Societe Generale is one of the four founding member companies of the Grande Ecole du Numérique, a public body for short certified training courses in the digital field. This commitment illustrates the importance of the digital transformation in the Group's strategy and the value it places on developing skills for the future, both within the company and outside it.

FURTHER INFORMATION

CSR

Positive Impact Finance pioneers

Societe Generale successfully issued the second Positive Impact Bond. These proceeds will be used to fund new renewable energy projects in order to contribute to the fight against climate change. The issuance of this bond is a continuation of Societe Generale’s commitments to the fight against climate change presented at the COP21 in Paris in 2015.

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04/05/2017

Measuring our performance

Find below our previous Letters to Shareholders

Date Title Link
May 2017 Letter to Shareholders #105 - Understanding our 2017 Q1 Results Go to the page
February 2017 Letter to Shareholders #104 - Understanding our 2016 Annuals Results Go to the page
Date Title Link
November 2016 Letter to Shareholders #103 - Understanding our 2016 Q3 Results Go to the page
August 2016 Letter to Shareholders #102 - Understanding our 2016 Q2 Results Go to the page
June 2016 Letter to Shareholders #101 - Annual General Meeting held on 18 May 2016 Download PDF
May 2016 Letter to Shareholders #100 - Understanding our 2016 Q1 Results Go to the page
February 2016 Letter to Shareholders #99 - Understanding our 2015 Annual Results Go to the page
Date Title Link
November 2015 Letter to Shareholders #98 - Understanding our 2015 Q3 Results Go to the page
August 2015 Letter to Shareholders #97 - Understanding our 2015 Q2 Results Go to the page
June 2015 Letter to Shareholders #96 - Annual General Meeting held on 19 May 2015 Download PDF
May 2015 Letter to Shareholders #95 - Understanding our 2015 Q1 Results Go to the page
February 2015 Letter to Shareholders #94 - Understanding our 2014 annual Results Go to the page
Date Title Link
November 2014 Letter to Shareholders #93 - Understanding our 2014 Q3 Results Go to the page
August 2014 Letter to Shareholders #92 - Understanding our 2014 Q2 Results Go to the page
June 2014 Letter to Shareholders #91 - Annual General Meeting held on 20 May 2014 Download PDF
May 2014 Letter to Shareholders #90 - Understanding our 2014 Q1 Results Go to the page
February 2014 Letter to Shareholders #89 - Understanding our 2013 Q4 & annual Results Go to the page
Date Title Link
November 2013 Letter to Shareholders #88 - 2013 Q3 Results (in French only) Download PDF
August 2013 Letter to Shareholders #87 - 2013 Q2 Results (in French only) Download PDF
June 2013 Letter to Shareholders #86 - 2013 Q1 Results (in French only) Download PDF
February 2013 Letter to Shareholders #85 - 2012 Q4 & annual Results (in French only) Download PDF
Date Title Link
November 2012 Letter to Shareholders #84 - 2012 Q3 Results (in French only) Download PDF
August 2012 Letter to Shareholders #83 - 2012 Q2 Results (in French only) Download PDF
June 2012 Letter to Shareholders #82 - 2012 Q1 Results (in French only) Download PDF
February 2012 Letter to Shareholders #81 - 2011 Q4 & annual Results (in French only) Download PDF
Date Title Link
November 2011 Letter to Shareholders #80 - 2011 Q3 Results (in French only) Download PDF
August 2011 Letter to Shareholders #79 - 2011 Q2 Results (in French only) Download PDF
June 2011 Letter to Shareholders #78 - 2011 Q1 Results (in French only) Download PDF
March 2011 Letter to Shareholders #77 - 2010 Q4 & annual Results (in French only) Download PDF