Frédéric Oudéa's editorial
During Q3 2018, our Group published solid results, with a good level of profitability. Our revenues increased due primarily to the growth in International Retail Banking & Financial Services, the rebound in Global Market activities and strong momentum in Financing & Advisory. We are therefore one of the few European banks to post an increase in revenues in Q3 2018. Finally, we pursued our strategy of refocusing the Group and continued to strengthen our balance sheet and risk profile.
A thick fog of political uncertainty
As 2018 draws to a close, the global economic recovery is losing momentum, slowed by the headwinds of tighter financial conditions, pockets of capacity constraints and heightened policy uncertainty. The impact of these headwinds on individual economies, moreover, has been asymmetric with those suffering large external imbalances, such as Turkey and Argentina, hardest hit. On a more positive note, a strong impulse coming from fiscal expansion in the United States, targeted policy accommodation in China and still accommodating monetary policies in Europe and Japan are supportive factors looking ahead to 2019.
Societe Generale ranked No.1 for digital maturity
After ranking fourth in 2014 and 2015, then third in 2016 and second last year, Societe Generale Group has been recognised most advanced company in terms of digital transformation, across all evaluation criteria: digital culture, technological expertise, relationships with the innovative ecosystem, security, external communication.
The 5th annual eCAC40 Awards, organised by the editorial team of Les Echos Executives and Gilles Babinet, France’s Digital Champion at the European Commission, rewards French top 40 companies for their digital maturity. This first place did not happen by chance but owes everything to the extraordinary engagement of all our teams. Find out why in the dossier on the innovations serving our clients, the relations we build with the technology ecosystem and the benefits new technology is bringing.
Best French Bank in RobecoSAM’s CSR ranking
For the first time, Societe Generale has been classed Best French Bank in RobecoSAM’s CSR ranking 2018. The Group was ranked eighth out of the 133 European banks included in the study, and remained in the Top Ten in Europe for the third consecutive year.
"Home Field Advantage" season 2
"Home Field Advantage" season 2 dives into the world of the amateur rugby club of Roubaix, in northern France. They are about to reach the finals of the Flandres championship and perhaps rise to the national league of Federale 3. To help them achieve their ambition they are coached by Rugby legends Jonny Wilkinson, Thierry Dusautoir, Guilhem Guirado and Laura Di Muzo. This new season unfolds in 6 episodes of 12 minutes each.
Annual General Shareholders Meeting 2019
The Societe Generale Annual General Meeting will be held on Tuesday 21 May, 2019 at 4pm at the Paris Expo centre, Grande Arche of Paris-La Défense, France. The Annual General Meeting is a key event for our shareholders. It provides them with direct information on the company's activity, and gives them the opportunity to take part in debates with General Management and vote on the resolutions submitted for approval by the Board of Directors.
Measuring our performance
Find below our previous Letters to Shareholders
|February 2019||Letter to Shareholders #114 - Understanding our Annual Results 2018||Go to the page|
|Mai 2019||Letter to Shareholders #115 - Understanding our Q1 2019 Results||Go to the page|
|June 2019||Letter to Shareholders #116 - Annual General Meeting held on 21 May 2019||Download PDF|
|August 2019||Letter to Shareholders #117 - Understanding our Q2 2019 Results||Go to the page|
|November 2019||Letter to Shareholders #118 - Understanding our Q3 2019 Results||Go to the page|
|November 2018||Letter to Shareholders #113 - Understanding our 2018 Q3 Results||Go to the page|
|August 2018||Letter to Shareholders #112 - Understanding our 2018 Q2 Results||Go to the page|
|June 2018||Letter to Shareholders #111 - Annual General Meeting held on 23 May 2018||Download PDF|
|May 2018||Letter to Shareholders #110 - Understanding our 2018 Q1 Results||Go to the page|
|February 2018||Letter to Shareholders #109 - Understanding our 2017 Annual Results||Go to the page|
|November 2017||Letter to Shareholders #108 - Understanding our 2017 Q3 Results||Go to the page|
|August 2017||Letter to Shareholders #107 - Understanding our 2017 Q2 Results||Go to the page|
|June 2017||Letter to Shareholders #106 - Annual General Meeting held on 23 May 2017||Download PDF|
|May 2017||Letter to Shareholders #105 - Understanding our 2017 Q1 Results||Go to the page|
|February 2017||Letter to Shareholders #104 - Understanding our 2016 Annual Results||Go to the page|
|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|
|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|
|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|
|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|
|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|
|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|