Universal Registration Document 2020 | Societe Generale Group | and Chief Executive Officer

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Universal Registration Document 2020 | Societe Generale Group | and Chief Executive Officer UNIVERSAL REGISTRATION DOCUMENT 2020 ANNUAL FINANCIAL REPORT 2019 (New version of the Registration Document) TABLE OF CONTENTS KEY FIGURES AND PROFILE CORPORATE SOCIAL 1 OFԝSOCIETE GENERALE 5 RESPONSIBILITYԝԝԝԝԝԝԝԝԝԝ 1.1 History Societe generale - CSR at a glance 1.2 Profile of Societe Generale Introduction 1.3 A strategy of stronger, profitable 5.1 Societe Generale, a responsible company and sustainable growth, based on a diversified 5.2 Societe Generale, a banker committed to and integrated banking model sustainable and responsible finance 1.4 The Group's core businesses 5.3 Methodology note 5.4 Independent verifier’s report on the consolidated non-financial statement 2 GROUP MANAGEMENT REPORT presented in the management report 5.5 Group’s duty of care plan 2.1 Societe Generale Group's main activities 5.6 CSR - Glossary 2.2 Group activity and results 5.7 Declaration of Non-Financial Performance 2.3 Activity and results of the core businesses (DNFP) – Cross-reference table 2.4 New important products or services 2.5 Analysis of the consolidated balance sheet 2.6 Financial policy 6 FINANCIAL INFORMATION 2.7 Major investments and disposals 6.1 Consolidated financial statements 2.8 Pending acquisitions and major contracts 6.2 Notes to the consolidated financial statements 2.9 Property and equipment 6.3 Statutory auditors' report on the consolidated 2.10 Post-closing events financial statements 2.11 Information about geographic locations and 6.4 Societe Generale management report activities related to 2019 6.5 Financial statements 6.6 Notes to the parent company financial statements CORPORATE GOVERNANCE 3 6.7 Statutory auditors' Report on financial 3.1 Board of Directors’ report statements on corporate governance 3.2 Statutory auditors' report on related-party agreements SHARE, SHARE CAPITAL ANDԝLEGAL 7 INFORMATION 7.1 The Societe Generale share RISKS AND CAPITAL ADEQUACY 4 7.2 Information on share capital Key figures 7.3 Additional information 4.1 Risk factors 7.4 By-laws 4.2 Risk management organisation 7.5 Internal rules of the Board of Directors 4.3 Internal control framework Charter of the U.S. Risk Committee of the 4.4 Capital management and adequacy Societe Generale Board of Directors 4.5 Credit and counterparty credit risk 7.6 List of regulated information published in the last 12 months 4.6 Market risk 4.7 Operational risk 4.8 Structural interest rate and exchange rate risks PERSON RESPONSIBLE FORԝTHE 4.9 Liquidity risk 8 UNIVERSAL REGISTRATION 4.10 Compliance risk, litigation DOCUMENT 4.11 Model risk 8.1 Person responsible for the Universal 4.12 Risk related to insurance activities Registration Document 4.13 Other risks 8.2 Statement of the person responsible for the universal registration document and the annual financial report 8.3 Persons responsible for the audit of the accounts 9 CROSS-REFERENCE TABLES 9.1 Cross-reference tables Glossary ABBREVIATIONS USED: Millions of euros: EURm / Billions of euros: EURbn / FTE: Headcount in Full-Time Equivalents Rankings: the source for all references to rankings is given explicitly. Where it is not, rankings are based on internal sources. UNIVERSAL REGISTRATION DOCUMENT 2020 ANNUAL FINANCIAL REPORT 2019 (New version of the Registration Document) This Universal Registration Document has been filed on 12 March 2020 with the AMF, as competent authority under Regulation (EU) 2017/1129, without prior approval pursuant to Article 9 of the said regulation. The Universal Registration Document may be used for the purposes of an offer to the public of securities or admission of securities to trading on a regulated market if completed by a securities note and, if applicable, a summary and any amendments to the Universal Registration Document. The whole is approved by the AMF in accordance with Regulation (EU) 2017/1129. This Universal Registration Document has been filed on 12 March 2020 with the AMF, as competent authority under Regulation (EU) 2017/1129, without prior approval pursuant to Article 9 of the said regulation. The Universal Registration Document may be used for the purposes of an offer to the public of securities or admission of securities to trading on a regulated market if it is approved by the AMF as well as any amendments thereto and a securities note and a summary approved in accordance with Regulation (EU) 2017/1129. | SOCIETE GENERALE GROUP | UNIVERSAL REGISTRATION DOCUMENT 2020 1 MESSAGE FROM THE CHAIRMAN he year 2019 was one We equally received a great of considerable pro- deal of recognition for the T gress during which transparency and commit- we achieved all the ments of our Corporate Social targets we set ourselves, Responsibility policy, which we whether strategic, financial or have strengthened. extra- financial. We have ac- celerated the refocusing of This strict and extensive eff ort, our activities on our areas of carried out with determina- strength. Our more compact tion and success by our teams, business model builds on po- seeks to meet the fin ancial, sitions of leadership in busi- regulatory, techno logical and nesses with high added-value societal challenges which the Lorenzo Bini Smaghi for our clients and presence European banking sector is si- Chairman of the Board of Directors in buoyant geographic re- multaneously facing. Its pur- gions. These strategic adjust- pose is to create a competitive, We have always sought ments enabled us to exceed innovative and resolutely cus- to help develop the our targeted increase in capi- tomer-service oriented bank economy over the long tal ratio to ensure the Bank’s committed to the positive term through innovative solutions which we have solidity over the long term. Our transformations of the world. achieved from generation fourth-quarter and full-year fi- to generation by building nancial results also reflected In 2020, the Board of Direct- a solid and sustainable our discipline in terms of cost ors will continue to work in international bank. control, risk management and close collaboration with the the in-depth changes of our General Management to pur- busin esses that are under way sue and take full benefit of and already making an impact. this profound transformation, 2 UNIVERSAL REGISTRATION DOCUMENT 2020 | SOCIETE GENERALE GROUP | AND CHIEF EXECUTIVE OFFICER in response to the expectat- our original purpose. We have ions of our stakeholders. In always sought to help dev- the short term, we will focus elop the economy over the on the financial targets set for long term through innova- 2020: reinforcing our capital tive solutions which we have ratio and increasing profitabil- achieved from generation to ity through highly disciplined generation by building a solid cost control and risk manage- and sustainable international ment, while overcoming new bank while maintaining our decisive steps in our remediat- pioneering spirit. ion projects in regulatory and compliance areas. We will also In today’s world, economic be preparing our next strateg- development goes hand in ic stage in 2021-2025 consist- hand with environmental ent with our newly redefined Frédéric Oudéa and social progress. The res- corporate purpose. Chief Executive Officer ult of collective reflection by staff around the world to Our renewed corporate “Building together, with our purpose, in line with clients, a better and sus- define the role our Group our values and the expectations of our tainable future through re- seeks to continue to play in society, our renewed corpor- stakeholders, will be sponsible and innovative the keystone of our financial solutions” ate purpose, in line with our strategic decisions and values and the expectations guide our actions on a daily basis. Societe Generale was created of our stakeholders, will be over 155 years ago to promote the keystone of our strategic the development of trade and decisions and guide our act- industry in France. This was ions on a daily basis. | SOCIETE GENERALE GROUP | UNIVERSAL REGISTRATION DOCUMENT 2020 3 4 UNIVERSAL REGISTRATION DOCUMENT 2020 | SOCIETE GENERALE GROUP | 1 KEY FIGURES AND PROFILE OFԝSOCIETE GENERALE 1.1 HISTORY 7 1.4 THE GROUP'S CORE BUSINESSES 18 1.2 PROFILE OF SOCIETE GENERALE 8 1.4.1 French Retail Banking 18 1.4.2 International Retail Banking and 1.3 A STRATEGY OF STRONGER, Financial Services 22 PROFITABLE AND SUSTAINABLE GROWTH, BASED ON A DIVERSIFIED 1.4.3 Global Banking and Investor Solutions 25 AND INTEGRATED BANKING MODEL 12 1.3.1 Recent developments and outlook 16 | SOCIETE GENERALE GROUP | UNIVERSAL REGISTRATION DOCUMENT 2020 5 1 KEY FIGURES AND PROFILE OFԝSOCIETE GENERALE KEY POINTS OF THE YEAR 2019 FINANCIAL GROUP REVENUES (1) GROUP NET INCOME SOLIDITY CET1(2) €24.7 bn € 4.1 bn 12.7 % 2019 was a year of considerable progress during which “”we achieved all the targets, both strategic and financial. A BANK FINANCING THE ECONOMY INTERNATIONAL GLOBAL BANKING FRENCH RETAIL RETAIL BANKING AND INVESTOR BANKING AND FINANCIAL SERVICES SOLUTIONS EUROPE BANK + 6.4 % + 1 %+ 6.3 %+ 4.9 % OF THE YEAR Outstanding loans Number Outstanding Outstanding PROJECT FINANCE vs. Q4 2018 of clients(3) loans(4) deposits(4) INTERNATIONAL COMMITTED TO POSITIVE TRANSFORMATIONS ENERGY SUSTAINABLE DIGITAL TRANSITION DEVELOPMENT TRANSFORMATION FINANCING OF AFRICA Commitment of 57% 7 SME CENTRES of clients are €120 bn OPEN AS PART OF digitally active(5) between 2019 & 2023 GROW WITH AFRICA (1) Underlying (2) Core Equity Tier 1 Ratio (3)ÚƭƃǪȻǍɡӹrƃȮȮDž˵ɃƭǵȻƃǵƦ ȀȦȣȀȦƃȻƭƟǪǒƭǵȻȮ ԐҀԑÚǍƭǵƃƦǣɃȮȻƭƦDžȀȦƟǍƃǵdžƭȮǒǵGȦȀɃȣȮȻȦɃƟȻɃȦƭƃǵƦƃȻƟȀǵȮȻƃǵȻƭɠƟǍƃǵdžƭȦƃȻƭȮ Ԑҁԑ­ȀƟǒƭȻƭGƭǵƭȦƃǪƭFȦƃǵƟƭǵƭȻɛȀȦǧ 6 UNIVERSAL REGISTRATION DOCUMENT 2020 | SOCIETE GENERALE GROUP | KEY FIGURES AND PROFILE OFԝSOCIETE GENERALE 1 HISTORY 1.1 HISTORY On 4 May 1864, Napoleon III signed Societe Generale’s founding the French Debré laws of 1966-1967. While continuing to support the decree. Founded by a group of industrialists and financiers driven by businesses it partnered, the Group lost no time in focusing its business the ideals of progress, the Bank’s mission has always been “to on individual customers.
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