With over 160 years of history, the Societe Generale group is a key player in the positive transformation of societies and economies. Its 119,000 employees in more than 62 countries support 26 million clients. Their mission is to build a better and sustainable future by providing responsible and innovative financial solutions.
The Group operates in three complementary business areas, integrating ESG (Environmental, Social and Governance) offerings for all its individual, corporate and institutional investor clients:
- French Retail Banking, Private Banking and Insurance
SG, the outstanding retail bank with a local focus; BoursoBank, the leader in online banking; Private Banking activities and Insurance activities. - Global Banking and Investor Solutions
Tailored high-value-added solutions with global leadership in equity derivatives, structured finance and ESG. - Mobility, International Retail Banking & Financial Services
Ayvens, a global player in sustainable mobility, universal banks well-established on their markets (notably in Czechia and Romania) and specialised financing activities.
French Retail Banking, Private Banking and Insurance
The French Retail Banking (SG Network and BoursoBank), Private Banking and Insurance businesses fall within the same pillar to optimise synergies between these business lines so as to offer a wide range of products and services tailored to the needs of a diversified client base – Individual, Business and Corporate clients, as well as non profit organisations and Municipal Councils – who seek varied expertise.
French Retail Banking
The SG Network in France
The SG Network in France offers tailored solutions to meet the needs of nearly 9 million individual, professional, non-profit and corporate clients.
It runs some 1,400 bank branches, located predominantly in urban areas, and offers a comprehensive range of services such as savings, wealth management, corporate finance and means of payment solutions through an omnichannel set-up (internet, mobile device, phone). Since the merger between the Societe Generale network with the Credit du Nord group in January 2023, the Group has been following a strategy rooted in the regions, with increased responsiveness and a focus on the specific needs of each type of clients, notably through its heightened expertise in savings, insurance and financing.
BoursoBank Online Banking
BoursoBank, a fully owned subsidiary of Societe Generale, is a pioneer and leader in France in its three main businesses: online banking, online brokerage and online financial information (boursorama.com is ranked No. 1 for economic and financial news). Accessible to all, regardless of income levels and financial assets, BoursoBank’s purpose is to simplify banking, give its users purchasing power and enable them to manage their finances. BoursoBank had more than 7 million clients at the end of 2024.
SG Private Banking
Well-established in Europe, Societe Generale Private Banking offers global financial engineering and wealth management solutions, in addition to global expertise in structured products, hedge funds, mutual funds, private equity funds and real estate investment solutions. It also offers clients access to capital markets. Societe Generale Private Banking will also be able to rely on Societe Generale Investment Solutions (formerly Weath Investment Solutions) to position itself as a recognised architect of financial savings solutions and become a key market player. This true One-Stop Shop offering consolidates the management and structuring skills offered by Investment Management Services, the Market Solutions teams in charge of market solutions and the management entities (located in France and Luxembourg).
Societe Generale Assurances
The Societe Generale Assurances business is a lynchpin in the Societe Generale group’s development strategy, in synergy with its retail banking, private banking and financial services businesses. Societe Generale Assurances is also pursuing the expansion of its distribution model through the development of external partnerships.
Societe Generale Assurances offers a full range of products and services to meet the needs of Individual, Business and Corporate clients in life insurance savings, retirement savings, personal protection and non life insurance businesses.
Assurances combines financial strength with dynamic innovation and a sustainable development strategy so as to be a trusted partner for its clients.
Global Banking and Investor Solutions
The mission of Global Banking and Investor Solutions (GBIS) is to offer a large range of financial solutions around the world, including Global Markets and Investor Services, Financing & Advisory, Global Transaction Banking and Securities Services for various corporate and financial institution clients such as banks, insurance companies, pension funds, asset and wealth managers, financial sponsors and sovereigns. GBIS has around 15,000 employees across 35 countries and has a commercial presence in about 50 countries, covering Western Europe and the EMEA (Europe, Middle East, Africa) regions, as well as the Americas and Asia-Pacific.
As a pioneer in sustainable and positive impact finance, Societe Generale advises its clients and offers them concrete financing and investment solutions aimed at transitioning towards a more sustainable economy. Social and environmental responsibility is at the core of GBIS’ businesses.
Global Markets
The Global Markets division offers an integrated, cross-asset offering in cash and derivatives, covering equities and equity derivatives, foreign exchange, fixed income and credit, with recognised expertise in financial engineering, trading, and quantitative research. Relying on the digital platform SG Markets and the in-depth research of Societe Generale Cross Asset Research, the teams design customized solutions tailored to the specific needs and risks of each client in a globalized financial context. Structured around three groups – Investment Solutions, Financing Solutions, and Flow and Hedging Solutions – this offering also includes ESG advisory and sustainable solutions with positive impact.
In early 2024, the launch of Bernstein, a joint venture between Societe Generale and AllianceBernstein, led to the creation of a global leader in equity research and cash equities. Bernstein provides institutional investors, corporates and financial institutions with premier investment insights into over 1,000 stocks covering North American, European, and Asia-Pacific equity markets, in addition to unparalleled equity liquidity and global trading technology, thereby strengthening Societe Generale’s overall offering in equity capital markets, equity derivatives, and prime services activities.
Advisory and Financing
The Financing and Advisory activities (Global Banking & Advisory – GLBA) encompass the management and development of global relationships with the Bank’s strategic clients. This business unit combines the Coverage teams dedicated to Global Banking clients with the advisory expertise in mergers & acquisitions, other corporate finance operations, ESG, as well as Corporate and Investment Banking activities. The latter offers a comprehensive range of solutions to support clients’ investment banking needs, including strategic advisory, equity and debt capital markets, acquisition financing and leveraged buyouts, with recognized expertise in both local and international execution.
GLBA operates globally with expert teams based in France, Western, Central and Eastern Europe, the Middle East, Africa, the Americas, and the Asia-Pacific region. Recognized as a trusted partner of large corporates, financial institutions, the public sector, and governments, the division provides comprehensive and tailor-made support, grounded in strong sector alignment and deep industry knowledge.
In a rapidly evolving economic environment, Societe Generale is fully committed to an ESG-driven business model, leveraging the collective intelligence of its teams to advise clients on their sustainable development journey. GLBA thus delivers innovative, flexible, and responsible financing and advisory solutions aimed at supporting projects with significant positive impact, helping clients reach their decarbonization goals, and fostering societal and environmental progress.
Global Transaction & Payment Services
Global Transaction & Payment Services (GTPS) activities target major economic and financial players (domestic and international financial institutions, large and medium-sized companies with international activities, multinationals, etc.) seeking support in cash flow and liquidity management. GTPS offers services in clearing and correspondent banking, factoring and supply chain finance, as well as trade finance solutions.
Securities Services
Societe Generale Securities Services (SGSS) is one of the three largest top 3 European custodians in Europe and ranks among the top ten globally worldwide. SGSS provides asset managers, asset owners, banks, brokers and issuers, institutional investors with a wide comprehensive range of products and services tailored adapted to the latest to the evolving financial market, regulatory and technological developments, regulations, and technologies. Recognised for its service quality, agile solutions, and the breadth of its international network coverage, SGSS builds long-term lasting, collaborative relationships with its clients to precisely best meet their needs and successfully support the growth of their businesses. In a complex ESG-related regulatory framework (including SFDR, Taxonomy, and CSRD, etc.), SGSS supports its clients every step of the way in defining and implementing their ESG strategies. Its offering notably covers custody and depositary banking, fund administration and distribution, front-to-back outsourcing, ESG solutions, reporting and data services, liquidity management, clearing services, as well as issuer services.
Mobility, International Retail Banking & Financial Services
The Mobility, International Retail Banking and Financial Services business lines bring together:
- International Retail Banking activities spanning our banking networks in Europe, Africa and abroad;
- Mobility and Financial Services which houses the consumer finance, operational vehicle leasing and fleet management, and equipment and vendor finance activities.
International Retail Banking
Central and Eastern Europe
Founded in 1990 and a Societe Generale subsidiary since 2001, Czech bank Komerční banka (KB) provides universal banking services for individual and companies. KB is Czechia’s third-ranked bank with outstanding loans of 33.4 billion euros, 209 branches and 7,227 full-time staff at end-December 2023.
In Romania, BRD, a Societe Generale subsidiary since 1999, is the country’s no. 3 bank with market share of approximately 10% in terms of loans and 10.5% in terms of deposits at the end of November 2023. BRD is divided into 2 major business lines: Retail Banking (individual clients and SMEs) and Corporate and Investment Banking.
Africa, Mediterranean Basin and overseas
Societe Generale is a key player in these geographies. The Group is committed to supporting its individual and corporate clients, regardless of their size, by offering a range of solutions tailored to meet all their needs.
In the Mediterranean Basin, the Group has been present in Algeria (since 1999) and Tunisia (since 2002).
In Sub-Saharan Africa, the Group benefits from strong historical local positions, particularly in Côte d'Ivoire and Senegal (first in terms of loans and deposits), and in Cameroon (second in loans and deposits).
To support its clients, Societe Generale has deployed dedicated platforms for infrastructure financing on the African continent. Located in Algeria and Côte d'Ivoire, these platforms aim to leverage the Group's expertise in structured financing, closely aligned with clients and their projects.
Societe Generale also operates in financial markets through a multi-asset and multi-product framework based in Côte d'Ivoire and Cameroon, including management and brokerage companies, specialized subsidiaries in asset management for third parties, and a Trading Room located in Abidjan, which notably integrates foreign exchange activities in the UEMOA zone.
In the Overseas, the Group is established in La Réunion and Mayotte, as well as in French Polynesia and New Caledonia.
Mobility and Leasing Services
Global leader in operational vehicle leasing and a key player in sustainable mobility, Ayvens is a Societe Generale subsidiary with a presence in 43 countries, a combined fleet of some 3.4 million vehicles and 15,000 employees. The Group provides mobility solutions for businesses of all sizes and for individuals, both locally and globally. The offer includes a comprehensive range of services including maintenance, tyre management, fuel consumption monitoring, insurance and vehicle replacement.
A pioneer in the field of mobility solutions, Ayvens is constantly innovating in order to provide its clients, fleet managers and drivers with optimal support and deliver an offer tailored to their requirements.
Specialised Financing
Specialised consumer finance activities
Societe Generale has subsidiaries specialising in consumer finance services in Europe (CGI Finance in France, BDK and Hanseatic Bank in Germany, ESSOX in Czechia and Fiditalia in Italy) and Africa.
These subsidiaries provide financing solutions (primarily loans granted for a specific purpose) via a BtoBtoC model, with a strategy focused primarily on vehicle financing. They enjoy leading positions in Western Europe, notably in vehicle financing.