Business description: Société Générale

Société Générale is one of the largest French banking groups. Net interest income breaks down by activity as follows:

- financing and investment banking (37.7%): specialized financing (for acquisitions, projects, etc.), activity on the stock, interest rate, currency exchange, and raw material markets, brokerage operations, merger-acquisition consulting, commercial banking activities, etc.;

- retail banking in France (33.4%; SG). The group also develops asset management and private banking activities (EUR 137 billion in assets under management in 2025), and provides insurance services, online banking and online brokerage services (Boursorama Banque) as well as an economic and financial information Website (boursorama.com);

- provision of international specialized financial and insurance services (15.6%): consumer loan, leasing, management of car fleets, professional equipment financing and insurance;

- international retail banking (13.3%).

At the end of 2025, Société Générale managed EUR 519.8 billion in current deposits and EUR 454.5 billion in current credits.

Net interest income is distributed geographically as follows: France (44.4%), Europe (34.9%), the Americas (10.2%), Asia and Oceania (5.6%) and Africa (4.9%).

Number of employees: 1,19,000

Sales by Activity: Société Générale

Fiscal Period: December 2020 (EUR) 2021 (EUR) 2022 (EUR) 2023 (EUR) 2024 (EUR)

Retail banking in France, Private Banking and Insurance - Retail Banking in France and Private Banking

- - - 689.8Cr 727.1Cr

Mobility, Retail Banking and International Financial Services - Mobility and Financial Services

- - - 401.5Cr 393.4Cr

Mobility, Retail Banking and International Financial Services - International Retail Banking

- - - 400.6Cr 382Cr

International Retail Banking and Financial Services - Financial Services

155Cr 208Cr 288.9Cr - -

French Retail Banking

621.8Cr 769.7Cr 841.3Cr - -

International Retail Banking and Financial Services - International Retail Banking

382.2Cr 458.9Cr 452.7Cr - -

Global Banking and Investor Solutions - Market activities and Investor Services

414Cr 563.9Cr 671.6Cr 631.9Cr 656.5Cr

Global Banking and Investor Solutions - Financing and Consulting

168.5Cr 285.9Cr 294.8Cr 329.1Cr 343.3Cr

Retail banking in France, Private Banking and Insurance - Insurance

- - - 62Cr 67Cr

International Retail Banking and Financial Services - Insurance

89Cr 96Cr 101.2Cr - -

Corporate Centres

-36Cr 97Cr -338.6Cr -107Cr -44Cr

Global Banking and Investor Solutions - Asset Management

87Cr 94Cr - - -

Geographical breakdown of sales: Société Générale

Fiscal Period: December 2020 (EUR) 2021 (EUR) 2022 (EUR) 2023 (EUR) 2024 (EUR)

France

978.7Cr 1.25TCr 1.36TCr 1.01TCr 1.11TCr

Europe

771.6Cr 835.5Cr 907.2Cr 939.7Cr 964.1Cr

Americas

158.7Cr 184.9Cr 203.2Cr 207.6Cr 250.6Cr

Africa

163.5Cr 163.5Cr 184.5Cr 202.2Cr 202Cr

Asia/Oceania

138.8Cr 146.8Cr 151.7Cr 152.7Cr 150.3Cr

Executive Committee: Société Générale

Manager TitleAgeSince
Chief Executive Officer 51 23/05/2023
Director of Finance/CFO - 07/01/2025
Chief Tech/Sci/R&D Officer - 01/11/2022
Chief Tech/Sci/R&D Officer - 01/01/2010
Compliance Officer - 01/01/2021

Composition of the Board of Directors: Société Générale

Director TitleAgeSince
Director/Board Member 71 06/08/2010
Chairman 69 19/05/2015
Director/Board Member 68 23/05/2017
Director/Board Member 68 01/01/2018
Director/Board Member 62 01/01/2018
Director/Board Member 61 01/01/2020
Director/Board Member 51 23/05/2023
Director/Board Member 56 18/05/2021
Director/Board Member 40 01/01/2021
Director/Board Member 54 01/05/2021

Shareholders: Société Générale

NameEquities%Valuation
Amundi Asset Management SASU (Investment Management)
3.274 %
2,51,07,579 3.274 % 2 204 M €
Caisse Des Dépôts & Consignations (Investment Management)
2.269 %
1,74,04,648 2.269 % 1 528 M €
BNP Paribas Asset Management Europe SAS
1.891 %
1,45,04,617 1.891 % 1 273 M €
0.4062 %
31,14,750 0.4062 % 273 M €
OFI Invest Asset Management SA
0.3864 %
29,63,189 0.3864 % 260 M €
NameEquities%Valuation
Atlant Fonder AB
-
50 - - €
NameEquities%Valuation
Atlant Fonder AB
-
75 - - €
NameEquities%Valuation
RhumbLine Advisers LP
0.00277 %
1,06,214 0.00277 % 2 M €
Yousif Capital Management LLC
0.002405 %
92,232 0.002405 % 2 M €
Sterling Capital Management LLC
0.000909 %
34,837 0.000909 % 611 703 €
GAMMA Investing LLC
0.000809 %
31,039 0.000809 % 545 014 €
Beach Investment Counsel, Inc.
0.000496 %
19,000 0.000496 % 333 621 €
NameEquities%Valuation
Atlant Fonder AB
-
2,250 - - €
NameEquities%Valuation
Atlant Fonder AB
-
1,000 - - €
NameEquities%Valuation
Atlant Fonder AB
-
75 - - €
NameEquities%Valuation
W1m Investment Management Ltd.
-
1,500 - - €

Holdings: Société Générale

NameEquities%Valuation
11,47,01,135 60.35% 6 981 M $
AYVENS
54.81%
42,96,49,292 54.81% 6 261 M $
41,93,25,635 60.17% 2 790 M $
31,14,750 0.41% 273 M $
76,39,782 4.84% 211 M $
42,70,79,030 60.22% 184 M $
1,70,41,016 52.34% 156 M $
FREY
12.28%
39,60,743 12.28% 139 M $
93,01,010 1.49% 125 M $
9,19,232 0.17% 72 M $

Company details: Société Générale

Société Générale SA

29, boulevard Haussmann

75009, Paris

+

http://www.societegenerale.com
address Société Générale(GLE)

Group companies: Société Générale

NameCategory and Sector
Investment Banks/Brokers
Investment Banks/Brokers
Other Consumer Services
Finance/Rental/Leasing
Miscellaneous Commercial Services

Other Banks

Change 5d. change 1-year change 3-years change Capi.($)
-1.86%-8.42%+63.65%+144.12% 5.72TCr
-2.33%-5.42%+21.20%+115.93% 78TCr
-1.40%-2.02%+12.66%+52.66% 35TCr
-3.38%-5.73%+17.89%+53.75% 35TCr
+0.02%-6.49%+45.72%+100.55% 29TCr
+0.13%-0.88%+17.16%+58.08% 27TCr
-3.87%-6.05%+16.17%+88.62% 25TCr
-0.88%-3.45%-1.75%+50.34% 23TCr
-1.29%-4.86%+34.55%+62.15% 23TCr
-1.75%-2.96%+14.11%+72.19% 20TCr
Average -1.65%-3.68%+24.13%+79.84% 30.06TCr
Weighted average by Cap. -1.76%-3.23%+20.92%+80.82%
Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
20
Last Close Price
66.52EUR
Average target price
79.89EUR
Spread / Average Target
+20.10%

Quarterly revenue - Rate of surprise

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