Frédéric Oudéa's editorial
After this first year in the execution of our 3-year plan, we have confirmed our long-term strategic ambition: delivering profitable and responsible growth thanks to a robust, diversified, more compact banking Group resolutely focused on its customers, in order to assist them in their positive transformation projects.
3 key questions for 2019
2018 ended on a challenging note for the global economy with a significant loss of growth momentum in China and Europe, and the United States caught in a government shutdown. Combined with the uncertainty headwinds from ongoing trade tensions and Brexit negotiations,
it’s no wonder that financial markets suffered a year-end slump.
Entering 2019, investors have taken some comfort from the re-opening of the US government, positive rhetoric on the US-China trade talks and a more dovish tone from the major central banks, indicating that further monetary policy tightening is on hold for now. Equally important, the Unites States is now joined by China and France in delivering a more substantial fiscal boost to their respective economies. Nonetheless, important questions remain open and just how these unfold over the coming weeks will be key for the outlook of 2019.
Innovation & Digital
The digital transformation of Societe Generale
Digital transformation is a key challenge for the banking sector. In addition to being an industrial revolution, digital transformation is a cultural revolution. Clients increasingly expecting value-added, personalised services, available anytime, anywhere, on any device, and staff want more empowerment, autonomy, agility and skill acquisition to innovate and reinvent the bank of tomorrow.
The new Societe Generale brand platform
One year after the launch of the Transform to Grow strategic plan, Societe Generale has lanuched a new brand platform. Under the engaging promise "The future is you", this signature marks the bank's ambitions for sustainable growth in the service of customers, the economy and society.
" The future is in your hands "
Our specialists consultants help more than 2,000 startups to develop their projects. Startups are key players in the economy. Fintech, Medtech, Cloud, Mobility, Retail, HR... they innovate in all sectors of the economy.
A growth plan for the entire African continent
The Grow with Africa initiative contributes to the sustainable development of Africa, in partnership with territories and local actors as well as international experts, by establishing dialogue, listening and sharing innovative means and approaches.
Societe Generale has identified four development areas that can become growth drivers for broader sectors in the future, mutually enriching each other in operational efficiency:
Playing for Philharmonie
For this fourth year, three concerts have been scheduled, including one as part of the Philharmonie de Paris' annual programme and so open to the general public for the first time. This musical and human adventure brings together Societe Generale staff, amateur musicians and singers from France, Romania and Senegal alongside professional musicians from the Orchestre Les Siècles, as well as children from the Démos association.
Watch the stories of three of our members of staff
Adina's incredible day
The great day of Sandrine
André and his choir project
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|