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Investor Presentaiton

INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES BREAKDOWN OF LOANS AND DEPOSITS OUTSTANDING _Breakdown of Loans Outstanding (in EURbn) _Change Dec 22 vs. Dec 21 _Breakdown of Deposits Outstanding (in EURbn) _Change Dec 22 vs. Dec 21 15.0 +2.2%* 14.7 ■Equipment Finance (1) 88.2 +5.6%* +20.9%* 1.4 83.1 23.9 23.7 +0.7%* Sub-total International Retail Banking: 1.1 76.4 +1.4%* 78.5 2.0 1.9 +3.9%* Western Europe 38.1 38.2 -3.4%* (Specialized Consumer Finance) 32.3 29.3 +6.9%* Czech Republic 10.6 +8.3%* 11.5 6.9 +10.1% 7.6 Romania +7.5%* 23.1 24.4 Africa and other 25.6 26.9 +5.6%* Dec. 21 Dec. 22 * When adjusted for changes in Group structure and at constant exchange rates (1) Excluding factoring SOCIETE GENERALE Dec. 21 Dec. 22 4TH QUARTER AND FULL YEAR 2022 RESULTS 18 FEBRUARY 2023 65
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