Societe Generale S.a. Class A · EURONEXT:GLE
Societe Generale S.a. Class A — Q3 2026 Earnings Presentation
73 slides from Societe Generale S.a. Class A's earnings presentation, Oct 29, 2026
Slide 1: Societe Generale Group Results Q3 and 9M 2026
Societe Generale Group Results Third quarter and nine-month 2026 results
Slide 2: Disclaimer
Disclaimer The financial information on Societe Generale for its third Therefore, although Societe Generale believes that these revenues in those markets for the relevant periods. We quarter and nine-months 2026 financial results comprises statements are based on reasonable assumptions, this obtaine
Slide 3: Strong 9M 26 results driven by high positive jaws
Strong 9M 26 results driven by high positive jaws INCOME BALANCE SHEET 9M 26 RESULTS: STATEMENT AND CAPITAL ON TRACK TO EXCEED 2026 TARGETS ▪ Revenues ▪ Extraordinary SBB(1) NBI growth Cost reduction C/I ratio EUR 21.4bn EUR 1.5bn in 9M 26 completed on 30 Sept. 2026 +4.1% vs. 9M 25 (3) -3.2% vs. 9M
Slide 4: Group performance
01 Group performance Q3 AND 9M 26 RESULTS I 29 OCTOBER 2026 4
Slide 5: Record Group net income in Q3 26
Record Group net income in Q3 26 INCOME STATEMENT IN Q3 26 KEY HIGHLIGHTS Revenues Costs C/I ratio ▪ Strong revenue growth of +7.8% vs. Q3 25, +8.4% at constant perimeter and exchange rates EUR 7.2bn EUR 4.1bn 57.1% +7.8% vs. Q3 25 +0.8% vs. Q3 25 vs. 61.0% in Q3 25 ▪ Strong positive jaws with a sli
Slide 6: Q3 26 revenue growth drivers
Q3 26 revenue growth drivers Q3 26 REVENUES (EURm) ▪ Group revenues +7.8% vs. Q3 25 and +7.8% +8.4% at constant perimeter and exchange rates +94 ▪ French Retail, Private Banking and Insurance +308 -86 7,173 +10.9% vs. Q3 25, mainly driven by NII (+12.7%) +250 6,655 -48 ▪ Global Banking and Investor
Slide 7: Continued improvement in operating leverage
Continued improvement in operating leverage Q3 26 OPERATING EXPENSES (EURm) Q3 26 C/I RATIO BY BUSINESS (%) +0.8% Q3 25 Q3 26 -20 +123 -31 4,093 4,060 -39 65.7% 60.0% 61.0% <60% 56.1% 57.4% 57.1% 58.8% 50.8% 51.8% Q3 25 Disposals CTA(1) GBIS Other Q3 26 RPBI GBIS MIBS Group 9M 26 2026 Target ▪ Costs
Slide 8: Q3 26 cost of risk within 2026 guidance
Q3 26 cost of risk within 2026 guidance COST OF RISK(1) TOTAL S1/S2 PROVISIONS(2) (in EURm) In bps Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 9M 25 9M 26 X.X% S2 coverage ratio (%)(3) 4.0% 3.4% 3.4% 2,946 2,933 2,856 Group 26 29 25 27 28 25 27 1,935 1,955 1,886 French Retail, Private Banking Stage 2 33 34 28 38
Slide 9: Solid capital position
Solid capital position CHANGE IN CET1 RATIO(1) (in bps) RISK-WEIGHTED ASSETS (in EURbn) 388 406 405 +9bps -3bps 13.4% +21bps 13.2% +46bps earnings -25bps distribution Q3 25 Q2 26 Q3 26 MAIN REGULATORY RATIOS Q2 26 Earnings GESOP(3) Other Q3 26 Requirements Ratios(1) net of distribution(2) CET1 10.26
Slide 10: Liquidity profile and deposit base
Liquidity profile and deposit base ROBUST BALANCE SHEET(1) DIVERSIFIED DEPOSIT BASE Funded balance sheet(2) in EURbn at end-Q3 26 At end-Q3 26 970 982 970 982 Net deposits in 79 78 Short term French Retail Banking 122 138 central banks wholesale funding 3 Private Banking HQLA⁽³⁾ 182 189 % 15% Mobili
Slide 11: Group results
Group results In EURm Q3 26 Q3 25 Change 9M 26 9M 25 Change Net banking income 7,173 6,655 +7.8% +8.4%* 21,375 20,529 +4.1% +6.3%* Operating expenses (4,093) (4,060) +0.8% +1.1%* (12,577) (12,994) -3.2% -1.5%* Gross operating income 3,081 2,595 +18.7% +19.8%* 8,798 7,535 +16.8% +19.9%* Net cost of r
Slide 12: Business performance
02 Business performance Q3 AND 9M 26 RESULTS I 29 OCTOBER 2026 12
Slide 13: SG network, Private Banking and Insurance
SG network, Private Banking and Insurance SG NETWORK PRIVATE BANKING INSURANCE Loans / deposits outstanding (in EURbn) Private Banking AuM (in EURbn) Life Insurance outstandings(1) (in EURbn) -2% / -1% vs. Q3 25 +10% vs. Q3 25 +9% vs. Q3 25 221 219 219 Deposits 150 167 167 194 145 153 190 190 Sight
Slide 14: BoursoBank
BoursoBank COMMERCIAL ACTIVITY CLIENT ACQUISITION AND CUSTOMER SATISFACTION Loans outstanding (in EURbn) AuA(1) outstanding (in EURbn) Total clients (in m) New client onboarding in Q3 26 (in ‘000) +7% vs. Q3 25 +13% vs. Q3 25 +14% vs. Q3 25 446k 17.8 18.0 84 86 9.1 9.4 446 16.9 397 76 8.3 42% 42% Fi
Slide 15: French Retail, Private Banking and Insurance
French Retail, Private Banking and Insurance Q3 26 HIGHLIGHTS INCOME STATEMENT In EURm Q3 26 Q3 25 Change 9M 26 9M 25 Change ▪ Revenues +10.9% vs. Q3 25 Net banking income 2,531 2,281 +10.9% 7,588 6,849 +10.8% +11.4%* NII +12.7% vs. Q3 25 Fees +8.3% vs. Q3 25 Of which net interest income 1,208 1,072
Slide 16: Global Markets and Investor Services
Global Markets and Investor Services GLOBAL MARKETS AND INVESTOR SERVICES Q3 26 Global Markets revenues 9M 26 Global Markets revenues (in EURm) (in EURm) ▪ Revenues +17.0% vs. Q3 25 +18.0% vs. Q3 25 +3.6% vs. 9M 25 GLOBAL MARKETS ▪ Revenues +18.0% vs. Q3 25 1,676 4,756 4,927 EQUITIES 4,563 1,414 1,4
Slide 17: Financing and Advisory
Financing and Advisory FINANCING AND ADVISORY Q3 26 F&A revenues 9M 26 F&A revenues (in EURm) (in EURm) ▪ Revenues +4.2% vs. Q3 25 +4.2% vs. Q3 25 +1.2% vs. 9M 25 GLOBAL BANKING AND ADVISORY 2,783 2,750 919 2,614 ▪ Revenues +2.5% vs. Q3 25 driven by core franchises 846 882 ▪ Continued growth in stru
Slide 18: Global Banking and Investor Solutions
Global Banking and Investor Solutions Q3 26 HIGHLIGHTS INCOME STATEMENT In EURm Q3 26 Q3 25 Variation 9M 26 9M 25 Change ▪ Revenues +12.5% vs. Q3 25 GMIS(1) revenues +17.0% vs. Q3 25 Net banking income 2,777 2,469 +12.5% +11.8%* 8,250 8,012 +3.0% +4.9%* F&A(2) revenues +4.2% vs. Q3 25 Operating expe
Slide 19: International Retail Banking
International Retail Banking CZECH REPUBLIC ROMANIA AFRICA AND OTHERS Loans / deposits outstanding* (in EURbn) Loans / deposits outstanding* (in EURbn) Loans / deposits outstanding* (in EURbn) +9%* / +7%* vs. Q3 25 +11%* / +2%* vs. Q3 25 +1%* / +3%* vs. Q3 25 46.5 46.2 13.7 14.0 14.0 16.1 16.7 16.5
Slide 20: Mobility and Financial Services
Mobility and Financial Services MOBILITY AND FINANCIAL SERVICES Q3 26 M&FS revenues 9M 26 M&FS revenues ▪ Revenues -7.8% vs. Q3 25 (in EURm) (in EURm) AYVENS REVENUES -12.2%(1) VS. Q3 25 1,065 3,268 ▪ Continued strong margin performance at 620bps(2) in Q3 26 1,003 981 3,048 vs. ~590bps(2) in Q3 25,
Slide 21: Mobility, International Retail Banking and Financial Services
Mobility, International Retail Banking and Financial Services Q3 26 HIGHLIGHTS INCOME STATEMENT In EURm Q3 26 Q3 25 Change 9M 26 9M 25 Change ▪ Revenues -4.3% vs. Q3 25 at constant perimeter and FX IRB(1) revenues +1.0% vs. Q3 25 at constant perimeter and FX Net banking income 1,855 1,988 -6.7% -4.3
Slide 22: Corporate Centre
Corporate Centre Q3 26 HIGHLIGHTS INCOME STATEMENT In EURm Q3 26 Q3 25 Change 9M 26 9M 25 Change Net banking income 10 (83) n/s (133) (356) +62.6% ▪ Revenues EUR 10m in Q3 26 Operating expenses (116) (70) +64.6% (365) (337) +8.3% Driven by revaluation of liabilities accounted at fair value Gross ope
Slide 23: Sustainable development
Sustainable development AN ESTABLISHED BANKING PARTNER AN EXTENDED REACH THROUGH IN THE ENERGY TRANSITION MULTILATERAL PARTNERSHIPS ▪ Unlocking opportunities through deep expertise across the ▪ Developing innovative blended finance solutions electrification value chain Storage: financing Gawara Baya
Slide 24: Conclusion
03 Conclusion Q3 AND 9M 26 RESULTS I 29 OCTOBER 2026 24
Slide 25: On track to exceed 2026 targets
On track to exceed 2026 targets 2024 2025 9M 26 2026 TARGETS REVENUES (REPORTED) +6.7% vs. 2023 +1.7% vs. 2024 +4.1% vs. 9M 25 (2) >+2% Revenues (excluding disposals) +7.3% vs. 2023 +6.8% vs. 2024 +5.5% vs. 9M 25 vs. 2025 COSTS (REPORTED) -0.3% vs. 2023 -6.1% vs. 2024 -3.2% (3)vs. 9M 25 ~-4% Costs (
Slide 26: Supplement
04 Supplement Q3 AND 9M 26 RESULTS I 29 OCTOBER 2026 26
Slide 27: Overview of exceptional items
Group Overview of exceptional items In EURm Q3 26 Q3 25 9M 26 9M 25 Operating expenses - Total one-off items and transformation charges (18) (57) (180) (262) Transformation charges (18) (57) (53) (161) Of which French Retail, Private Banking and Insurance (8) (15) (18) (48) Of which Global Banking &
Slide 28: IFRIC impact
Group IFRIC 21 impact Total IFRIC 21 - costs o/w Resolution Funds In EURm 9M 26 9M 25 9M 26 9M 25 French Retail, Private Banking and Insurance (44) (45) 0 0 Global Banking and Investor Solutions (110) (134) 0 (3) Global Markets and Investor Services (81) (103) 0 (3) Financing and Advisory (29) (31)
Slide 29: Q3 income statement by business
Group Q3 26 income statement by business French Retail, Private Global Banking and Mobility, International Retail Corporate Centre Group Banking and Insurance Investor Solutions Banking & Financial Services In EURm Q3 26 Q3 25 Q3 26 Q3 25 Q3 26 Q3 25 Q3 26 Q3 25 Q3 26 Q3 25 Net banking income 2,531
Slide 30: 9M income statement by business
Group 9M 26 income statement by business French Retail, Private Global Banking and Mobility, International Retail Corporate Centre Group Banking and Insurance Investor Solutions Banking & Financial Services In EURm 9M 26 9M 25 9M 26 9M 25 9M 26 9M 25 9M 26 9M 25 9M 26 9M 25 Net banking income 7,588
Slide 31: CRR3/CRD6 prudential capital ratios
Group CRR3/CRD6 prudential capital ratios Phased-in Common Equity Tier 1, Tier 1 and Total Capital(1) In EURbn 30.09.2026 31.12.2025 Shareholder equity Group share 73.4 70.1 (2) Deeply subordinated notes'Undated subordinated notes (11.7) (9.4) (3) Distribution to be paid , Distribution N-1 and inter
Slide 32: CRR3/CRD6 leverage ratio
Group CRR3/CRD6 leverage ratio Phased-in Leverage Ratio(1) In EURbn 30.09.2026 31.12.2025 Tier 1 Capital 66.8 62.9 (2) Total prudential balance sheet 1,503 1,370 Adjustments related to derivative financial instruments (26) 3 (3) Adjustments related to securities financing transactions 24 18 Off-bala
Slide 33: TLAC and MREL ratios
Group TLAC and MREL ratios TLAC Q3 26 RATIOS MREL Q3 26 RATIOS % RWA EUR bn % Leverage % RWA EUR bn % Leverage 32.6% EUR 132bn 30.1% EUR 122bn SP 2.4% 10 SP SNP 27.46% SNP T2 ⁽¹⁾ T2 ⁽¹⁾ 11.5% 47 11.5% 47 22.38% AT1 AT1 CET1 CET1 2.2% 9 2.2% 9 8.8% 3.0% 12 EUR 122bn 3.0% 12 EUR 122bn 8.2% o.w. 6.75%
Slide 34: Risk-weighted assets
Group Risk-weighted assets(1) (CRR3/CRD6, in EUR bn) 406.4 405.5 388.5 61.8 61.4 62.9 135.2 135.8 132.1 133.1 13.3 13.0 128.0 126.0 125.2 123.2 123.2 18.8 18.8 24.6 24.6 18.6 10.9 18.0 18.0 24.9 19.2 0.0 0.0 12.1 12.2 Total 0.0 0.0 0.1 9.5 0.1 Operational 331.3 331.1 Market 113.4 114.3 314.6 109.4 1
Slide 35: Geographic breakdown commitments
Group Geographic breakdown commitments at 30.09.2026 On-and off-balance sheet EAD(1) 1% 2% 8% France Western Europe (excl. France) 9% North America 41% Eastern Europe EUR 1,102bn Asia Pacific 16% Africa & Middle East Latin America & Caribbean 23% (1) Total credit risk (debtor, issuer and replacement
Slide 36: Change in gross loans outstanding
Group Change in gross loans outstanding(1) End of period in EURbn 571.0 583.1 581.7 587.0 Total 572.5 567.9 557.6 557.2 556.8 143.2 144.2 146.1 146.3 141.1 142.9 141.3 144.8 Mobility, International Retail Banking & 141.8 Financial Services 177.7 176.2 167.0 182.6 179.7 182.9 Global Banking and Inves
Slide 37: Cost of risk
Group Cost of risk In EURm Q3 26 Q3 25 9M 26 9M 25 Net cost of risk 189 189 576 505 French Retail, Private Banking Gross loan outstandings 232,293 231,967 232,880 231,843 and Insurance Cost of risk in bp 33 33 33 29 Net cost of risk 46 51 104 187 Global Banking Gross loan outstandings 175,172 156,75
Slide 38: Non-performing loans
Group Non-performing loans In EURbn 30.09.2026 30.06.2026 30.09.2025 Performing loans 511.1 508.2 488.3 inc. Stage 1 book outstandings(1) 451.9 447.3 433.7 inc. Stage 2 book outstandings 48.9 49.9 42.4 Non-performing loans 14.5 14.1 13.9 inc. Stage 3 book outstandings 14.5 14.1 13.9 (2) Total Gross
Slide 39: Sovereign bonds exposure by geography
Group Sovereign bonds(1) exposure by geography Banking book Trading book Bonds o/w bonds o/w bonds Total Total o/w bonds at FV through at FV through at FV through (A + B) (A) at amortised cost P&L In EUR bn, as of 30 September 2026 OCI P&L (B) France 9.8 7.3 6.9 0.4 - 2.5 Czech Republic 7.6 7.6 7.0
Slide 40: Limited exposure to French sovereign
Group Limited exposure to French sovereign FRENCH SOVEREIGN EXPOSURE(1) EUR 14.7bn ~30% EUR 7.2bn Total French ~5% ~70% sovereign exposure: ~95% EUR 0.1bn ~65% EUR 22.0bn French OAT Public sectors loans and other Other securities Amortised cost (HTC(2)) Fair value (HTCS(3)) ▪ Limited exposure to Fre
Slide 41: Private credit, data centres, IT consulting and software exposures
Group Private credit, data centres, IT consulting and software exposures PRIVATE CREDIT EXPOSURE DATA CENTRES, IT CONSULTING & SOFTWARE Small exposure to private credit Well-diversified exposure 7% Data centres 9% Collateralised leveraged loans financing 19% 10% IT consulting ~1.4% ~1.1% Software Ca
Slide 42: Limited and diversified commercial real estate exposure
Group Limited and diversified commercial real estate exposure DIVERSIFIED EXPOSURE EUROPEAN PORTFOLIO US PORTFOLIO Commercial real estate EAD European commercial real estate EAD US Commercial real estate EAD by geography (%) by asset class (%) by asset class (%) 14% Office 2% 23% 5% Retail France 17
Slide 43: Focus on exposures
Group Focus on exposures CORPORATE PORTFOLIO EXPOSURE MOST SENSITIVE SECTORS Corporate EAD(1) in each sector(2) in % of total Group EAD at 30.09.2026 Total Group EAD: EUR 1,102bn ▪ PRIVATE CREDIT: ~1.4%(4) of total Group EAD Financial services 7.1% Utilities 3.0% ▪ HEDGE FUNDS: ~0.4% of total Group
Slide 44: Change in trading VaR and stressed VaR
Group Change in trading VaR(1) and stressed VaR(2) Quarterly Average of 1-day, 99% Trading VaR(1) (in EUR m) __ Trading VaR(1) 7 19 20 17 19 15 13 15 16 9 18 Credit 10 10 8 10 11 10 6 13 9 10 8 8 9 11 Interest Rates 9 10 17 16 14 Equity 16 15 12 11 12 10 2 2 2 2 1 1 2 3 2 2 2 3 Forex 0 0 2 0 0 0 -16
Slide 45: Long term funding programme
Group Long term funding programme 2026 VANILLA LONG-TERM FUNDING PROGRAM MAIN RECENT TRANSACTIONS FULLY COMPLETED Societe Generale September-26 Additional Tier 1 PerpNC7 Societe Generale USD 1.5bn 8.000% PerpNC33 July-26 Programme Issued* Senior Non-Preferred 7NC6 Societe Generale CHF 205m 1.3725% J
Slide 46: Liquid asset buffer
Group Liquid asset buffer STRONG LIQUIDITY RESERVES LIQUID ASSET BUFFER (in EURbn) 358 334 339 328 52 318 Liquidity reserves at EUR 358bn in Q3 26 53 46 54 55 ▪ Significant part of cash at Central Banks (EUR 135bn as of Q3 26 vs. EUR 119bn as of Q2 26) 127 136 171 166 142 ▪ HQLA securities (EUR 171b
Slide 47: EPS calculation
Group EPS calculation Average number of shares (thousands) 9M 26 H1 26 2025 Existing shares 750,569 754,338 790,605 Deductions Shares allocated to cover stock option plans and free shares awarded to staff 1,485 1,738 2,328 Other own shares and treasury shares 16,178 14,281 12,021 (1) Number of share
Slide 48: Net asset value, tangible net asset value
Group Net asset value, tangible net asset value End of period (in EURm) 9M 26 H1 26 2025 Shareholders' equity Group share 73,361 71,645 70,144 Deeply subordinated and undated subordinated notes (11,695) (10,346) (9,366) (1) Interest payable to holders of deeply & undated subordinated notes, issue pr
Slide 49: ROE/ROTE calculation detail
Group ROE/ROTE calculation detail End of period (in EURm) Q3 26 Q3 25 9M 26 9M 25 Shareholders' equity Group share 73,361 69,826 73,361 69,826 Deeply subordinated and undated subordinated notes (11,695) (9,372) (11,695) (9,372) (1) Distribution provision , distribution N-1 to be paid and interest pa
Slide 50: French Retail, Private Banking and Insurance: Q3 and 9M results
French Retail, Private Banking and Insurance Q3 26 and 9M 26 results French Retail, Private Banking French Retail, Private Banking o/w Insurance o/w Insurance and Insurance and Insurance In EURm Q3 26 Q3 25 Change Q3 26 Q3 25 Change 9M 26 9M 25 Change 9M 26 9M 25 Change Net banking income 2,531 2,28
Slide 51: Net banking income
French Retail, Private Banking and Insurance Net banking income NBI (in EURm) 2,504 2,553 2,531 +10.9% 2,378 179 189 190 2,281 188 177 Insurance revenues 1,114 1,127 1,106 987 +19.2% 1,021 Fees Net Interest Income +149.9% (excluding PEL/CEL provision or reversal) 1,186 +13.3% 1,149 1,165 1,211 Other
Slide 52: Customer deposits and financial savings
French Retail, Private Banking and Insurance Customer deposits and financial savings End of period outstandings (in EURbn) 475 475 481 482 466 153 158 159 167 167 Life Insurance (1) Securities, Mutual Funds and Other 28 28 29 29 27 Sight Deposits 120 121 120 122 119 PEL 11 11 10 10 10 Passbook depos
Slide 53: Loans outstanding
French Retail, Private Banking and Insurance Loans outstanding End of period outstandings, net of provisions (in EURbn) 223 223 220 221 222 116 116 115 115 116 Housing Consumer Credit 14 14 14 14 14 and Overdraft Business Customers(1) and 93 Financial Institutions 93 91 92 91 Q3 25 Q4 25 Q1 26 Q2 26
Slide 54: Insurance key figures
French Retail, Private Banking and Insurance Insurance key figures Life Insurance Outstandings and Unit-Linked Breakdown (in EURbn) Personal Protection Insurance Premiums (in EURm) 350 180 166.6 167.4 153.4 158.1 159.2 300 160 252 260 262 260 251 250 140 41% 41% 43% 43% 120 41% Unit-Linked 200 100 E
Slide 55: Global Banking and Investor Solutions: Q3 results
Global Banking and Investor Solutions Q3 26 results Global Markets Total Global Banking Financing and Advisory and Investor Services and Investor Solutions In EURm Q3 26 Q3 25 Change Q3 26 Q3 25 Change Q3 26 Q3 25 Change Net banking income 1,858 1,587 +16.5%* 919 882 +3.4%* 2,777 2,469 +12.5% +11.8%
Slide 56: Global Banking and Investor Solutions: 9M results
Global Banking and Investor Solutions 9M 26 results Global Markets Total Global Banking Financing and Advisory and Investor Services and Investor Solutions In EURm 9M 26 9M 25 Change 9M 26 9M 25 Change 9M 26 9M 25 Change Net banking income 5,467 5,262 +5.8%* 2,783 2,750 +3.2%* 8,250 8,012 +3.0% +4.9
Slide 57: Key financial indicators
Global Banking and Investor Solutions Key financial indicators Global Markets and Investor Services RWA (in EURbn) Financing and Advisory RWA (in EURbn) 54.8 57.4 59.0 68.3 77.8 76.8 8.5 8.0 8.0 16.4 16.6 16.6 1.1 1.4 1.5 8.4 10.7 10.7 Operational Market 58.7 68.4 67.3 30.0 30.1 31.7 Credit Q3 25 Q2
Slide 58: Revenues
Global Banking and Investor Solutions Revenues Global Markets and Investor Services Revenues (in EURm) Financing and Advisory Revenues (in EURm) Securities 176 182 Services 183 167 474 571 Fixed Income and 1,017 975 167 545 919 Currencies 882 597 889 435 Equities 1,119 1,202 1,016 824 789 Q3 25 Q4 2
Slide 59: Financing and Advisory: supporting clients in their transformations
Global Banking and Investor Solutions Financing and Advisory: supporting clients in their transformations Client proximity Schneider Electric USD 25bn bridge facility to finance the acquisition of PTC in the US to Innovation Underwriter, Global strengthen its industrial software offering and a EUR 6
Slide 60: Recognised expertise
Global Banking and Investor Solutions Recognised expertise AWARDS & RANKINGS LEAGUE TABLES ▪ Global Markets ▪ Global Banking & Advisory Syndicated Loans #5 EMEA Loans Volume by Bookrunner #3 France Loans Revenue by Bookrunner SRP Americas Best Bank for Sustainable #2 France Loans Revenue by Bank 202
Slide 61: Mobility, IRB and Financial Services: Q3 26 results
Mobility, International Retail Banking and Financial Services Q3 26 results International Retail Banking Mobility and Financial Services Total In EURm Q3 26 Q3 25 Change Q3 26 Q3 25 Change Q3 26 Q3 25 Change Net banking income 874 923 +1.0%* 981 1,065 -8.5%* 1,855 1,988 -4.3%* Operating expenses (43
Slide 62: Mobility, IRB and Financial Services: 9M 26 results
Mobility, International Retail Banking and Financial Services 9M 26 results International Retail Banking Mobility and Financial Services Total In EURm 9M 26 9M 25 Change 9M 26 9M 25 Change 9M 26 9M 25 Change Net banking income 2,623 2,756 +2.1%* 3,048 3,268 -5.4%* 5,671 6,024 -2.1%* Operating expens
Slide 63: International Retail Banking – Q3 26 results
Mobility, International Retail Banking and Financial Services International Retail Banking – Q3 26 results Africa, Mediterranean basin Czech Republic Romania Total International Retail Banking and Overseas In EURm Q3 26 Q3 25 Change Q3 26 Q3 25 Change Q3 26 Q3 25 Change Q3 26 Q3 25 Change Net bankin
Slide 64: International Retail Banking – 9M 26 results
Mobility, International Retail Banking and Financial Services International Retail Banking – 9M 26 results Africa, Mediterranean basin Czech Republic Romania Total International Retail Banking and Overseas In EURm 9M 26 9M 25 Change 9M 26 9M 25 Change 9M 26 9M 25 Change 9M 26 9M 25 Change Net bankin
Slide 65: Mobility and Financial Services – Q3 26 results
Mobility, International Retail Banking and Financial Services Mobility and Financial Services – Q3 26 results Total Mobility Ayvens Consumer Finance and Financial Services In EURm Q3 26 Q3 25 Change Q3 26 Q3 25 Change Q3 26 Q3 25 Change Net banking income 731 833 -12.2%* 251 234 +3.7%* 981 1,065 -8.
Slide 66: Mobility and Financial Services – 9M 26 results
Mobility, International Retail Banking and Financial Services Mobility and Financial Services – 9M 26 results Total Mobility Ayvens Consumer Finance and Financial Services In EURm 9M 26 9M 25 Change 9M 26 9M 25 Change 9M 26 9M 25 Change Net banking income 2,295 2,496 -8.0%* 753 703 +3.5%* 3,048 3,26
Slide 67: Breakdown of loans and deposits outstanding
Mobility, International Retail Banking and Financial Services Breakdown of loans and deposits outstanding Breakdown of loans outstanding end of period* Variation* Breakdown of deposits outstanding end of period* Variation* (in EURbn)(1) Q3 26 / Q3 25 (in EURbn) Q3 26 / Q3 25 135.1 139.7 +3.4%* Total
Slide 68: Presence in Africa
Mobility, International Retail Banking and Financial Services Presence in Africa (1) (1) (1) Clients NBI Net income C/I RWA 2.4m EUR 0.9bn EUR 180m 50% EUR 17bn NBI RWA Credits Deposits L/D Ratio Ranking 9M 26 (in EURm) (in EURbn) (in EURbn) (in EURbn) Côte d'Ivoire 313 5.5 3.8 4.3 88% 1st Tunisia 1
Slide 69: ESG Ambitions - Quantified
ESG Ambitions - Quantified EUR 500 billion to support sustainable finance over the period 2024-2030 with: Sustainable finance ~EUR 400bn financing and ~EUR 100bn bonds ~EUR 400bn in environmental activities and ~EUR 100bn in social activities Climate transition, adaptation and nature EUR 1.5bn for e
Slide 70: External recognition of our ESG expertise
External recognition of our ESG expertise AGENCIES WORST SCORE BEST AWARDS Sector World’s Best Bank for average SG Sustainable Finance & World’s Best Bank for CCC B BB BBB A AA AAA Infrastructure & Project Finance for the 4th consecutive year Sector by Global Finance 2026 average SG 60+ 50 40 30 20
Slide 71: Methodology (1/2)
Methodology (1/2) 1 – Net banking income The pillars’ net banking income is defined on page 42 of Societe Generale’s 2026 Universal Registration Document. The terms “Revenues” or “Net Banking Income” are used interchangeably. They provide a normalised measure of each pillar’s net banking income taki
Slide 72: Methodology (2/2)
Methodology (2/2) 8 – Solvency and leverage ratios are calculated in accordance with applicable CRR3/CRD6 rules transposing the final Basel III text, also called Basel IV, including the procedures provided by the regulation for the calculation of phased-in and fully loaded ratios. The solvency ratio
Slide 73: Societe Generale
SOCIETE GENERALE