Investor Presentaiton

STRONG OPERATING PERFORMANCE IN 2022 Gross operating income _Underlying gross operating income (1) (EURm) Positive jaws in 2022 _Change in underlying revenues and costs (1) Cost/income ratio _Underlying cost/income (1) excluding SRF (2) 7,260 8,470 10,068 2019 2021 2022 +9.3% +4.5% Revenues Costs 69.0% 64.4% 61.0% 2019 2021 2022 2023 cost/income ratio (¹) excl. SRF (2) expected between 66% and 68% (1) Underlying data: adjusted for exceptional items (see Supplement), (2) Single Resolution Fund SOCIETE GENERALE 4TH QUARTER AND FULL YEAR 2022 RESULTS 18 FEBRUARY 2023

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