148,300 EMPLOYEES IN 76 COUNTRIES +
30 MILLION CLIENTS: INDIVIDUALS, PROFESSIONALS, COMPANIES & FINANCIAL INSTITUTIONS
122 NATIONALITIES REPRESENTED
23.6 BILLION EUROS IN NET BANKING INCOME +
OVER 60% OF EMPLOYEES ARE WOMEN
37.3 YEARS AVERAGE AGE OF EMPLOYEES
2,250 EMPLOYEES WITH DISABILITIES, INCLUDING 1,115 IN FRANCE
2.7 BILLION EUROS IN GROUP NET BANKING INCOME
FINANCIAL RATING

- A Standard & poor's
- A Fitch
- AA (LOW) DBRS
- A2 Moody's

Present in 76 countries See the list of locations

- One ambition

  To be the relationship-focused bank, a reference in its markets, close to its clients and chosen for the quality and commitment of its teams.

- Our priorities
  - Further improve client satisfaction and maintain leadership in innovation
  - Capture growth through business development and increased synergies
  - Deliver sustainable profitability
- 2016 objectives

  + 3% growth
  in Nbi per year 2013-2016

  ≥ 10% solidity
  Common equity tier one solvency ratio in 2016

Team spirit
Innovation
Commitment
Responsibility
+

Challenging values shared by all Societe Generale employees are central to our vision of a relationship-focused bank.

"In a complex and ever-changing banking environment, what will fundamentally and truly make the difference is our culture, the way we work together better and the way we embrace our values to serve our customers."

Frédéric Oudéa,
Chief Executive Officer

A universal banking model 3 complementary businesses
French retail banking +
International banking
and financial services +
Corporate & INVESTMENT banking, private banking, asset management and securities services +

11M clients

€172bn in outstanding credit & loans

3,128 branches

40,000 employees

No. 1 online bank in france

No. 2 commercial bank for large corporates in france

No. 3 retail bank in france

28M clients

€103bn in outstanding credit & loans

78,000 employees

64 countries

No. 1 in cameroon & the ivory coast

No. 1 in equipment financing in europe

No. 2 in romania

No. 2 private foreign-owned banking group in russia

No. 2 in senegal

No. 2 in europe & worldwide in car fleet management

> 5,000 financial institution & corporate clients

€121bn in outstanding credit & loans

20,000 employees

52 countries

No. 1 worldwide in derivatives

No. 1 worldwide in structured products

No. 1 worldwide in equity derivatives & commodity derivatives

No. 1 in export finance

No. 1 in certificates & warrants

No. 1 worldwide in prime brokerage

Our innovations: inventing the banking relationship of tomorrow

- Mobile banking

  Societe generale’s app, voted best stand-alone banking app worldwide 2014 (myprivatebanking research)

- E-payment
  M-payment
- Qr code, contactless & text message payments

  Mobile payment solutions

- DÉMAT+

  The first fully digital consumer loan, also available on mobile phones

- Ald new mobility

  The most comprehensive range of alternative and innovative mobility solutions

- @SG_ETVOUS

  The top twitter account for banking relations in france

- Insurance

  On-demand travel insurance via smartphones and tablets!

- Digital for all

  Internal digital transformation programme

- Hackathons

  CO-DEVELOPING TOMORROW’S USAGE

Civil society
10.2 million euros allocated to solidarity based initiatives
+
Sports
A PATRNER IN RUGBY, GOLF & DISABLED SPORTS
+
Culture
A PATRON OF CONTEMPORARY ARTS & CLASSICAL MUSIC
+
Solidarity-based CHALLENGES
More than 82
million euros in microfinance lines of credit, including €5.6 million in france
+
Efforts and initiatives from employees

- 750 projects supported by the societe generale corporate foundation for solidarity since 2006
- Skill-sharing programme
- Sporting and solidarity-based challenge

Rugby

- 27 years supporting rugby
- Official sponsor of rugby world cup 2015

Disabled sports

Partner of the french federation for disabled sports for 12 years

Contemporary art :
a collection accessible to all

- Discovery trails for schools
- Guided tours of the collection designed in partnership with students
- And more…

Classical music: since 1987

- Student scholarships
- Commitment to young artists through the lending of instruments
- Playing for salle pleyel concert
- Major patron of the philharmonie de paris
- And more…

Societe generale is committed to the:

- Wolfsberg group (anti-money laundering)
- Statement by financial institutions on the environment & sustainable development programme financial initiative (since 2001)
- United nations global compact (since 2003)
- Diversity charter in france (since 2004)
- Equator principles (since 2007)
- Green bond principles (since 2014)
- Lyxor principles for responsible investment (since 2014)

Societe generale is included in the main socially-responsible investment indices : Ftse4good (global and europe), euronext vigeo (global, europe, eurozone and france), esi excellence (europe) – ethibel and 4 stoxx esg leaders indices