Results at 30 September 2026

ROTE of 12.3% in 9M 26, above the 2026 target of ~11%

Record Group net income in 9M 26 of EUR 5.4bn, +17.3% vs. 9M 25

Cost-to-income ratio significantly improving to 58.8% in 9M 26

• Group revenues of EUR 21.4bn in 9M 26, up +4.1% vs. 9M 25, on track to exceed 2026 target of >+2%

• Strong positive jaws with costs down -3.2% in 9M 26 vs. 9M 25

• Cost-to-income ratio of 58.8% in 9M 26, better than the 2026 target of <60%

• Cost of risk at 27bps in 9M 26, within the 2026 guidance of 25 to 30bps

• Record Group net income in 9M 26 of EUR 5.4bn, up +17.3% vs. 9M 25

• ROTE of 12.3% in 9M 26, on track to exceed 2026 target of ~11%

• In Q3 26, revenue growth of +7.8%, costs slightly up +0.8%, cost-to-income ratio of 57.1%, cost of risk at 28bps, record Group net income of EUR 1.9bn and ROTE of 13.0%

• Completion of the extraordinary share buy-back of EUR 1.5bn on 30 September 2026

• CET1 ratio of 13.4% at end-Q3 26, around 320bps above the regulatory requirement
  

Slawomir Krupa, the Group’s Chief Executive Officer, commented:

“Societe Generale has once again achieved very strong quarterly results. We published a record Group net income for both the quarter and for the first nine months of the year. The performance of our businesses demonstrates the Group’s ability to combine growth, operational efficiency, risk management and capital generation. I would like to warmly thank all our teams for their commitment to serving our clients and supporting the transformation of our Group.

With the same discipline and determination, we will continue to execute our profitable growth strategy to achieve our 2029 targets and further create sustainable value, quarter after quarter, for our shareholders, clients, employees and all our stakeholders.”

Press contacts : 
Jean-Baptiste Froville _ +33 1 58 98 68 00 _ jean-baptiste.froville@socgen.com  
Fanny Rouby _ +33 1 57 29 11 12 _ fanny.rouby@socgen.com