Bond Générale Société S.A 6% ( XS2627369387 ) in EUR

Générale Société S.A

100 % ▼

France

XS2627369387 ( in EUR )

6% per year ( payment 1 time a year)

11/06/2035

Prospectus brochure of the bond Société Générale S.A XS2627369387 en EUR 6%, maturity 11/06/2035

1 000 EUR

100 000 000 EUR

12/06/2025 ( In 34 days )

Société Générale S.A. is a major French multinational banking and financial services corporation headquartered in Paris.

The Bond issued by Générale Société S.A ( France ) , in EUR, with the ISIN code XS2627369387, pays a coupon of 6% per year.
The coupons are paid 1 time per year and the Bond maturity is 11/06/2035

APPLICABLE FINAL TERMS

FINAL VERSION APPROVED BY THE ISSUER

MIFID II product governance / Retail investors, professional investors and ECPs Solely for the purposes
of the manufacturer's product approval process, the target market assessment in respect of the Notes has led to
the conclusion that: (i) the target market for the Notes is eligible counterparties, professional clients and retail
clients, each as defined in Directive 2014/65/EU (as amended, MiFID II) MiFID II; (ii) all channels for distribution
to eligible counterparties and professional clients are appropriate; and (iii) the determination of the appropriate
channels for distribution of the Notes to retail clients has been made and is available on the website
https://regulatory.sgmarkets.com/#/mifid2/emt, subject to the distributor's suitability and appropriateness
obligations under MiFID II, as applicable. Any person subsequently offering, selling or recommending the Notes
(a distributor) should take into consideration the manufacturer's target market assessment; however, a distributor
subject to MiFID II is responsible for undertaking its own target market assessment in respect of the Notes (by
either adopting or refining the manufacturer's target market assessment) and determining appropriate distribution
channels, subject to the distributor's suitability and appropriateness obligations under MiFID II, as applicable.
UK MIFIR product governance / Professional investors and ECPs only target market Solely for the
purposes of each manufacturer's product approval process, the target market assessment in respect of the Notes
has led to the conclusion that: (i) the target market for the Notes is only eligible counterparties, as defined in the
FCA Handbook Conduct of Business Sourcebook (COBS), and professional clients, as defined in Regulation (EU)
No 600/2014 as it forms part of domestic law by virtue of the European Union (Withdrawal) Act 2018 (UK MiFIR);
and (ii) all channels for distribution of the Notes to eligible counterparties and professional clients are appropriate.
Any person subsequently offering, selling or recommending the Notes (a distributor) should take into
consideration the manufacturer's target market assessment; however, a distributor subject to the FCA Handbook
Product Intervention and Product Governance Sourcebook (the UK MiFIR Product Governance Rules) is
responsible for undertaking its own target market assessment in respect of the Notes (by either adopting or refining
the manufacturer's target market assessment) and determining appropriate distribution channels.
Information available on Société Générale as Issuer of the Notes in its current Universal Registration Document
and its subsequent amendments is accessible at https://investors.societegenerale.com/en/publications-
documents theme=information-reglementee (section 2. Universal Registration Document, Registration Document
and updates Annual Financial Report).

Each Purchaser acknowledges and accepts that :
o Société Générale as Issuer of the Notes, will publish either (i) between (a) the date hereof and (b) the end of the
offer period or (ii) within a maximum period of two weeks after the end of the offer period, publish updated financial
statements that will also be available on the above mentioned website ( the "Updated Financial Statements");
o Consequently, Société Générale does not make as of the date the Purchaser decides to invest in the Notes, any
representation or warranty that there has been (i) no significant change in the trading or financial position or (ii) no
material adverse change in the prospects of Société Générale, in each case since the latest published financial
statements of Société Générale;
o the Updated Financial Statements may contain a significant new factor which currently does not form part of the
Prospectus that may affect its assessment of the Notes, the market value of the Notes and therefore may cause
a loss to its investment."

Dated 19/06/2023
PROHIBITION OF SALES TO UK RETAIL INVESTORS - The Notes are not intended to be offered, sold or
otherwise made available to and should not be offered, sold or otherwise made available to any retail
investor in the United Kingdom (UK). For these purposes, a retail investor means a person who is one (or
more) of: (i) a retail client, as defined in point (8) of Article 2 of Regulation (EU) No 2017/565 as it forms
part of UK domestic law by virtue of the European Union (Withdrawal) Act 2018 (EUWA); or (ii) a customer
within the meaning of the provisions of the Financial Services and Markets Act 2000, as amended (the
FSMA) and any rules or regulations made under the FSMA to implement Directive (EU) 2016/97, where that
customer would not qualify as a professional client, as defined in point (8) of Article 2(1) of Regulation
(EU) No 600/2014 as it forms part of UK domestic law by virtue of the EUWA; or (iii) not a qualified investor
as defined in Article 2 of Regulation (EU) 2017/1129 as it forms part of UK domestic law by virtue of the
EUWA. Consequently, no key information document required by Regulation (EU) No 1286/2014 as it forms
part of UK domestic law by virtue of the EUWA (the UK PRIIPs Regulation) for offering or selling the Notes
or otherwise making them available to retail investors in the UK has been prepared and therefore offering
or selling the Notes or otherwise making them available to any retail investor in the UK may be unlawful
under the UK PRIIPs Regulation.

Société Générale
Legal entity identifier (LEI) : O2RNE8IBXP4R0TD8PU41
Issue of EUR 70 000 000 Notes due 12/06/2035

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APPLICABLE FINAL TERMS

FINAL VERSION APPROVED BY THE ISSUER

The Notes shall be assimilated and form a single series with the 30 000 000 Notes due 12/06/2035 of Series
235649EN/22.1 Tranche 1 issued on 12/06/2023 on the Issue Date

under the
Debt Instruments Issuance Programme
PART A CONTRACTUAL TERMS
Terms used herein shall be deemed to be defined as such for the purposes of the Conditions set forth under the
heading "General Terms and Conditions of the English Law Notes" in the Base Prospectus dated 9 November
2022 , which constitutes a base prospectus for the purposes of Regulation (EU) 2017/1129 (the Prospectus
Regulation) .This document constitutes the Final Terms of the Notes described herein for the purposes of Article
8(4) of the Prospectus Regulation and must be read in conjunction with the Base Prospectus and the supplement
to such Base Prospectus dated 18 January 2023 and 13 February 2023 and 17 March 2023 and 16 May 2023
and any supplement published prior to the Issue Date (as defined below) (the Supplement(s)); provided, however,
that to the extent such Supplement (i) is published after these Final Terms have been signed or issued and (ii)
provides for any change to the Conditions as set out under the heading "General Terms and Conditions of the
English Law Notes" , such change shall have no effect with respect to the Conditions of the Notes to which these
Final Terms relate. Full information on the Issuer and the offer of the Notes is only available on the basis of the
combination of these Final Terms, the Base Prospectus and any Supplement(s). Prior to acquiring an Interest in
the Notes described herein, prospective investors should read and understand the information provided in these
Final Terms, the Base Prospectus and any Supplement(s) and be aware of the restrictions applicable to the offer
and sale of such Notes in the United States or to, or for the account or benefit of, persons that are not Permitted
Transferees. A summary of the issue of the Notes is annexed to these Final Terms. Copies of the Base
Prospectus, any Supplement(s) and these Final Terms are available for inspection from the head office of the
Issuer, the specified offices of the Paying Agents and, in the case of Notes admitted to trading on the Regulated
Market or on Euro MTF of the Luxembourg Stock Exchange, on the website of the Luxembourg Stock Exchange
(www.luxse.com) and in the case of Non-Exempt Offers; on the website of the Issuer
(http://prospectus.socgen.com).

1.
(i) Series Number:
00207VN/23.06

(ii) Tranche Number:
2

(iii) Date on which the Notes The Notes shall be assimilated and form a single series with the 30
000 000 Notes due 12/06/2035 of Series 235649EN/22.1 Tranche 1

become fungible:
issued on 12/06/2023 on the Issue Date

2.
Specified Currency:
EUR

3.
Aggregate Nominal Amount:

(i) - Tranche:
EUR 70 000 000

(ii) - Series:
EUR 100 000 000

4.
Issue Price:
99.32 % of the Aggregate Nominal Amount

5.
Specified Denomination(s):
EUR 1 000

6.
(i) Issue Date:
21/06/2023

(DD/MM/YYYY)

(ii) Interest Commencement Issue Date
Date:

7.
Maturity Date:
12/06/2035

(DD/MM/YYYY)

8.
Governing law:
English law

9.
(i) Status of the Notes:
Unsecured

(ii) Date of corporate
08/06/2023
authorisation obtained
for the issuance of
Notes:

10. Interest Basis:
See section "PROVISIONS RELATING TO INTEREST (IF ANY)

PAYABLE" below.

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APPLICABLE FINAL TERMS

FINAL VERSION APPROVED BY THE ISSUER

11. Redemption/Payment Basis:
See section "PROVISIONS RELATING TO REDEMPTION" below.

12. Issuer's/Noteholders'
See section "PROVISIONS RELATING TO REDEMPTION" below.

r edemption option:
PROVISIONS RELATING TO INTEREST (IF ANY) PAYABLE

13. Fixed Rate Note Provisions:
Applicable as per Condition 4.1 of the General Terms and

Conditions

(i) R
ate(s) of Interest:
6% per annum payable in arrear.

(ii) Specified Period(s) /
Interest Payment Date means the earliest between the following
Interest Payment
dates :
(i) the Optional Redemption Date

Date(s):(DD/MM/YYYY)
(ii) the Maturity Date

(iii) Business Day
Following Business Day Convention (unadjusted)
Convention:

(iv) Fixed Coupon Amount : Unless previously redeemed, on the Interest Payment Date, the

Issuer shall pay to the Noteholders, for each Note, an amount
determined by the Calculation Agent as follows:
Rate of Interest x Specified Denomination x Day Count Fraction

(v) Day Count Fraction:
30/360 convention

(vi) Broken Amount (s):
In case of a long or short Interest Period (with regard to paragraph

13(ii) "Specified Period(s)/Interest Payment Date(s)" above), the
amount of Interest will be calculated in accordance with the formula
specified in paragraph 13(iv) "Fixed Coupon Amount" above.

(vii) Determination Date(s):
Not Applicable

14. Floating Rate Note Provisions: Not Applicable

15. Zero Coupon Note Provisions: Not Applicable

PROVISIONS RELATING TO REDEMPTION

16. Redemption at the option of
Applicable as per Condition 6.1.3.1.1 of the General Terms and
Conditions

the Issuer:

(i) Optional Redemption
Unless previously redeemed, at the option of the Issuer, the Notes
may be early redeemed on the Optional Redemption Date(i) (i from

Amount:
1 to 11) in accordance with the following provisions in respect of
each Note:

Optional Redemption Amount = Specified Denomination x 100%

Definitions relating to the Optional Redemption Amount are set out
in paragraph 25(ii)"Definitions relating to the Product".

(ii) Optional Redemption
Optional Redemption Date(i)(i from 1 to 11) : means the 12 June in
each year from and including 12 June 2024 to and including the 12

D
ate(s) :
June 2034.

(iii) Notice Period:
10 Business Days prior to the Optional Redemption Date

(iv) Redemption in part:
Not Applicable

17. Redemption at the option of
Not Applicable

the Noteholders:

18. Final Redemption Amount :
Unless previously redeemed, the Issuer shall redeem the Notes on

the Maturity Date, in accordance with the following provisions in
respect of each Note:

Final Redemption Amount = Specified Denomination x 100%

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APPLICABLE FINAL TERMS

FINAL VERSION APPROVED BY THE ISSUER

19. Trigger redemption at the
Not Applicable

option of the Issuer:

20. Redemption for Tax Event,
Early Redemption or Monetisation until the Maturity Date
Special Tax Event, Regulatory
Event, Force Majeure Event or Early Redemption Amount : Market Value

Ev
ent of Default:
GENERAL PROVISIONS APPLICABLE TO THE NOTES

21. Provisions applicable to
payment date(s):

- Payment Business Day:
Following Payment Business Day

- Financial Centre(s):
Not Applicable

22. Form of the Notes:

(i) Form:
Non-US Registered Global Note registered in the name of a

nominee for a common depositary for Euroclear and Clearstream

(ii) New Global Note (NGN  No
bearer notes) / New

Safekeeping Structure
(NSS registered notes):

23. Language of the Terms and
English language only

Conditions of the Notes:

24. Redenomination:
Not Applicable

25. Consolidation:
Applicable as per Condition 14.2 of the General Terms and

Conditions

26. Partly Paid Notes Provisions: Not Applicable

27. Instalment Notes Provisions: Not Applicable

28. Dual Currency Note
Not Applicable

Provisions:

29. Masse:
Not Applicable

30. Interest Amount and/or the
Not Applicable
Redemption Amount switch at

the option of the Issuer:

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APPLICABLE FINAL TERMS

FINAL VERSION APPROVED BY THE ISSUER

PART B OTHER INFORMATION

1.
LISTING AND ADMISSION TO TRADING

(i) Listing:
None

(ii) Admission to trading:
Application shall be made for the Notes to be admitted to trading on

the Multilateral Trading Facility ("MTF") named EuroTLX organized
and managed by Borsa Italiana S.p.A. with effect from or as soon
as practicable after the Issue Date. Société Générale, directly or
through a third party appointed by it, will act as specialist for the
Notes, in accordance with the rules and regulations of EuroTLX.

There can be no assurance that the listing and trading of the
Notes will be approved with effect on the Issue Date or at all

The existing 30 000 000 Notes due 12/06/2035 of Series
235649EN/22.1 Tranche 1 issued on 12/06/2023 are already
admitted to trading on EuroTLX a multilateral trading facility
organized and managed by Borsa Italiana S.p.A.

(iii) Estimate of total
Not Applicable
expenses related to

admission to trading:

(iv) Information required for Not Applicable
Notes to be listed on SIX

Swiss Exchange:

2.
RATINGS

The Notes to be issued have not been rated.

3.
INTERESTS OF NATURAL AND LEGAL PERSONS INVOLVED IN THE ISSUE/OFFER

Save for fees, if any, payable to the Dealer, and so far as the Issuer is aware, no person involved in
the issue of the Notes has an interest material to the offer.
Société Générale will ensure the roles of Issuer of the Notes (and as such will have to enter into
hedging transactions) and Calculation Agent of the Notes.

The possibility of conflicts of interest between the different roles of Société Générale on one hand, and
between those of Société Générale in these roles and those of the Noteholders on the other hand
cannot be excluded.

4.
REASONS FOR THE OFFER AND USE OF PROCEEDS

(i) Reasons for the offer and The net proceeds from each issue of Notes will be applied for the
general financing purposes of the Société Générale Group, which

use of proceeds:
include making a profit.

(ii) Estimated net proceeds: Not Applicable

(iii) Estimated total
Not Applicable

expenses:

5.
INDICATION OF YIELD (Fixed Rate Notes only)

For the purposes of the Offer of the Notes, the unified yield rate is 6 per cent per annum.

The unified yield rate is calculated at the Issue Date on the basis of the Issue Price. It is not an

indication of future yield.

6.
HISTORIC INTEREST RATES (Floating Rate Notes only)

Not Applicable

7.
OPERATIONAL INFORMATION

(i) Security identification

code(s):

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APPLICABLE FINAL TERMS

FINAL VERSION APPROVED BY THE ISSUER

- ISIN Code:
XS2627369387

- Common Code:
262736938

(ii) Clearing System(s):
Euroclear Bank S.A/N.V. (Euroclear) / Clearstream Banking société

anonyme (Clearstream)

(iii) Delivery of the Notes:
Delivery against payment

(iv) Calculation Agent:
Société Générale

Tour Société Générale 17 Cours Valmy 92987 Paris La Défense
Cedex France

(v) Paying Agent(s):
Société Générale Luxembourg SA

11, avenue Emile Reuter
2420 Luxembourg
Luxembourg

(vi) Eurosystem eligibility of No. Whilst the designation is specified as "no" at the date of these
Final Terms, should the Eurosystem eligibility criteria be amended

the Notes:
in the future such that the Notes are capable of meeting them the
Notes may then be deposited with one of the ICSDs as common
safekeeper (and registered in the name of a nominee of one of the
ICSDs acting as common safekeeper). Note that this does not
necessarily mean that the Notes will then be recognised as eligible
collateral for Eurosystem monetary policy and intraday credit
operations by the Eurosystem at any time during their life. Such
recognition will depend upon the ECB being satisfied that
Eurosystem eligibility criteria have been met.

8.
DISTRIBUTION

(i) Method of distribution:
Non-syndicated

- Dealer(s):
Société Générale

Tour Société Générale
17, Cours Valmy
92987 Paris la Défense Cedex
France

(ii) Total commission and
There is no commission and/or concession paid by the Issuer to
the Dealer or the Managers.

concession:

(iii) TEFRA Rules:
Not Applicable

(iv) Non-exempt Offer
A Non-exempt offer of the Notes may be made by the Dealer and
Consent of the Issuer to any financial intermediaries to whom the Issuer gives a General
use the Base Prospectus Consent (the General Authorised Offerors) in the Non-exempt
during the Offer Period: Offer jurisdiction(s) (Non-exempt Offer Jurisdiction(s)) during the
offer period (Offer Period) as specified in the paragraph " Terms

and Conditions of the Offer" below.

- Individual Consent /
Not Applicable
Name(s) and address(es)
of any Initial Authorised

Offeror:

- General Consent/ Other Applicable

conditions to consent:

(v) - Prohibition of Sales to Not Applicable

EEA Retail Investors:

- Prohibition of Sales to Not Applicable
EEA Non Retail

Investors:

(vi) - Prohibition of Sales to Applicable
UK Retail Investors:

- Prohibition of Sales to Not Applicable

UK Non Retail Investors:

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FINAL VERSION APPROVED BY THE ISSUER

(vii) Prohibition of Sales to
Not Applicable
Swiss Non Retail
Investors:

(viii) Regulation S U.S. Person Applicable
AND IRS U.S. Person:

9.
TERMS AND CONDITIONS OF THE OFFER

- Non-Exempt Offer
Italy
Jurisdiction(s):

- Offer Period:
From 21/06/2023 to 28/07/2023,save in case of early termination.

-Offer Price:
The Notes will be offered at the prices which will be determined by
the Dealer on a continuous basis in accordance with the market
conditions from time to time prevailing.
Depending on market conditions, the offer price shall be equal,
higher or lower than the Issue Price of the Notes. The Dealer will
publish the prices at which the Notes are offered as ask quotes on
EuroTLX
and,
for
information
purposes
only,
on
www.prodotti.societegenerale.it

- Conditions to which the offer The Issuer reserves the right to close the Offer Period prior to its
stated expiry for any reason. A notice on the early termination will

is subject:
be
published
on
the
website
of
the
Issuer
(www.prodotti.societegenerale.it).

- Description of the application The distribution activity will be carried out in accordance with the
financial intermediary's usual procedures. Prospective investors will

process:
not be required to enter into any contractual arrangements directly
with the Issuer in relation to the purchase of the Notes.

- Description of possibility to Not Applicable
reduce subscriptions and
manner for refunding excess
amount paid by applicants:

- Details of the minimum
Minimum amount of application : 1 Note)
and/or maximum amount of

application:

- Details of the method and
The Notes will be delivered on any day during the Offer Period by
time limits for paying up and
payment of the purchase price by the Noteholders to the relevant
financial intermediary.

delivering the Notes:

The settlement and the delivery of the securities will be executed
through the Dealer mentioned above only for technical reasons.
However, the Issuer will be the only offeror and as such will assume
all the responsibilities in connection with the information contained
in the Final Terms together with the Base Prospectus.

- Manner and date in which
Not Applicable
results of the offer are to be
made public:

- Procedure for exercise of any Not Applicable
right of pre-emption,
negotiability of subscription
rights and treatment of
subscription rights not

exercised:

- Whether tranche(s) has/have Not Applicable
been reserved for certain

countries:

- Process for notification to
Not Applicable
applicants of the amount

allotted and the indication

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APPLICABLE FINAL TERMS

FINAL VERSION APPROVED BY THE ISSUER

whether dealing may begin

before notification is made:

- Amount of any expenses and Taxes charged in connection with the subscription, transfer,
taxes specifically charged to
purchase or holding of the Notes must be paid by the Noteholders
and neither the Issuer nor the Guarantor shall have any obligation

the subscriber or purchaser:
in relation thereto; in that respect, Noteholders shall consult
professional tax advisers to determine the tax regime applicable to
their own situation.

The total costs charged to the investor by the Issuer or the Offeror
are equal to the amount reported under the item "Costi di ingresso"
in paragraph "Composizione dei costi" of the Key Information
Document available on http://kid.sgmarkets.com.
The total costs and potential recurrent costs and potential
anticipated exit penalties may have an impact on the return the
investor may obtain from his investment.

10. ADDITIONAL INFORMATION

- Minimum investment in the
1 Note
Notes:

- Minimum Trading Lot:
1 Note

- Location where the
Société Générale, Via Olona n.2, 20123 Milano Italy
Prospectus, any Supplements
thereto and the Final Terms
can be collected or inspected

free of charge in Italy:

11. PUBLIC OFFERS IN SWITZERLAND

Not Applicable

12. EU BENCHMARKS REGULATION

Benchmark:
Not Applicable

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FINAL VERSION APPROVED BY THE ISSUER

ISSUE SPECIFIC SUMMARY

SECTION A INTRODUCTION INCLUDING WARNINGS
ISIN code : XS2627369387
Issuer : Société Générale
Domicile: 29, boulevard Haussmann, 75009 Paris, France.
Telephone number : 01 57 29 12 12
Legal entity identifier (LEI): O2RNE8IBXP4R0TD8PU41
Identity and contact details of the competent authority approving the universal registration document:
Approved by the Autorité des Marchés Financiers (AMF)
17, place de la Bourse - 75002 Paris, France
Telephone : 01 53 45 60 00
Identity and contact details of the competent authority approving the prospectus:
Approved by the Commission de Surveillance du Secteur Financier (CSSF)
283, route d'Arlon L-2991, Luxembourg
Telephone number: (352) 26 25 11
E-Mail : [email protected]
Date of approval of the prospectus: 09/11/2022
WARNINGS
This summary must be read as an introduction to the base prospectus (the Base Prospectus).
Any decision to invest in the Notes (the Notes) should be based on a consideration of the Base Prospectus as a whole by
the investor.

Where a claim relating to the information contained in the Base Prospectus and the applicable Final Terms is brought
before a court, the plaintiff investor might, under the national legislation of the Member States, have to bear the costs of
translating the Base Prospectus before the legal proceedings are initiated.
Civil liability attaches only to those persons who have tabled this summary, including any translation thereof, but only if the
summary is misleading, inaccurate or inconsistent when read together with the other parts of the Base Prospectus or it
does not provide, when read together with the other parts of the Base Prospectus, key information in order to aid investors
when considering whether to invest in the Notes.
You are about to buy a product which is not simple and which may be difficult to understand.

SECTION B KEY INFORMATION ON THE ISSUER
WHO IS THE ISSUER OF THE SECURITIES?
Issuer : Société Générale (or the Issuer)
Domicile: 29, boulevard Haussmann, 75009 Paris, France.
Legal form: Public limited liability company (société anonyme).
Legal entity identifier (LEI) : O2RNE8IBXP4R0TD8PU41
Legislation under which the Issuer operates: French law.
Country of incorporation: France.

Statutory auditors : Ernst & Young et Autres et Deloitte & Associés.
The Issuer is the mother company of the Société Générale's Group.
The purpose of Société Générale is, under the conditions determined by the laws and regulations applicable to credit
institutions, to carry out with individuals and corporate entities, in France or abroad: all banking transactions; all
transactions related to banking operations, including in particular investment services or allied services as listed by Articles
L.321-1 and L.321-2 of the French Code monétaire et financier; all acquisitions of interests in other companies. Société
Générale may also, on a regular basis, as defined in the conditions set by the French Financial and Banking Regulation
Committee, engage in all transactions other than those mentioned above, including in particular insurance brokerage.
Generally, Société Générale may carry out, on its own behalf, on behalf of a third-party or jointly, all financial, commercial,
industrial, agricultural, security or property transactions, directly or indirectly related to the abovementioned activities or
likely to facilitate the accomplishment of such activities.
None of the existing shareholders controls, either directly or indirectly, Société Générale. The main shareholder is Plan
mondial d'actionnariat salarié.
In accordance with its bylaws, the Issuer is managed by a Management Board nominated by a General meeting of
shareholders and composed of Slawomir Krupa as chief executive officer and Philippe Aymerich and Pierre Palmieri
deputy chief executive officer.

WHAT IS THE KEY FINANCIAL INFORMATION REGARDING THE ISSUER?

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FINAL VERSION APPROVED BY THE ISSUER

Income statement

First Quarter
31.12.2022
First Quarter
31.12.2021
(in million EUR)
2023 (audited)
(audited)
2022 (audited)
(audited)
Net interest income (or equivalent)
N/A
11,286
N/A
10,718
Net fee and commission income
N/A
5,174
N/A
5,320
Net impairment loss on financial assets
(182)
(1,647)
(561)
(700)
Net trading income
N/A
6,691
N/A
5,723
Measure of financial performance used by the
issuer in the financial statements such as
1,432
9,429
1,952
8,208
operating profit
Net profit or loss (for consolidated financial
statements net profit or loss attributable to
868
2,018
842
5,641
equity holders of the parent)

Balance sheet

#Value as outcome
First
First
from the most recent
Quarter
31.12.2022
Quarter
31.12.2021
(in billion EUR)
supervisory review
2023
(audited)
2022
(audited)
and evaluation
(audited)
(audited)
process (SREP)
Total assets (Total Assets)
1,553.6
1,486.82
1,609.2
1,464.5
N/A
Senior debt (Debt securities issued)
137.5
133.18
135.4
135.3
N/A
Subordinated debt (Subordinated
16.782
16.0
16.1
16.0
N/A
debts)
Loans and receivables to customers
494.32
506.53
501.5
497.2
N/A
(Customer loans at amortised cost)
Deposits from customers (Customer
536.2
530.8
528.6
509.1
N/A
deposits)
Total equity (Shareholders' equity,
68.46
66.45
65.9
65.1
N/A
subtotal Equity, Group share)
Non-performing loans (based on net
carrying amount) / Loans and
15.9
15.9
16.9
16.5
N/A
receivables)(Doubtful loans)
Common Equity Tier 1 capital (CET1)
ratio (or other relevant prudential
capital adequacy ratio depending on
13.5%
13.5%
12.9%(1)
13.71%(1)
9.43%**
the issuance) (Common Equity Tier 1
ratio)
Total capital ratio (Total capital ratio)
19.4%
19.4%
17.9%(1)
18.8%(1)
N/A
Leverage ratio calculated under
4.2%
4.4%
4.3%(1)
4.9%(1)
N/A
applicable regulatory framework

** Taking into account the combined regulatory buffers, the phased-in CET1 ratio level that would trigger the
Maximum Distributable Amount (MDA) mechanism would be 9.43% as of 31 March 2023.
(1) Phased-in ratio.

The audit report does not contain any qualification.

WHAT ARE THE KEY RISKS THAT ARE SPECIFIC TO THE ISSUER?
There is a risk of total or partial loss of the amount invested or conversion into securities or postponement of maturity, in
the event of default, bankruptcy or bail-in affecting Société Générale and without guarantee or compensation system.
Société Générale's credit ratings and refinancing conditions may affect the market value of the Notes.

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