Investor Presentaiton

FRENCH NETWORKS AND PRIVATE BANKING +1.6% -2.6% Stable AV. LOANS OUTSTANDING (1) vs. Q4 21 AV. DEPOSITS OUTSTANDING(1) vs. Q4 21 AV. LIFE INSURANCE OUTSTANDINGS (2) vs. Q3 22 _Av. Loans (1) (EURbn) 210 213 Q4 21 Q4 22 Corporates & professionnals Individuals Stable AV. GLOBAL PRIVATE BANKING AUM (3) vs. Q3 22 Av. Deposits (1) (EURbn) Av. Life insurance outstandings (2) (EURbn) Av. Private Banking AuM (3) (EURbn) 241 235 146 147 Corporate loans outstanding +2% vs. Q4 21 Q4 21 Q4 22 Continuous selective approach in home loan production, resilient outstandings at +1% vs. Q4 21 Growth in retail deposits, decrease in corporate sight deposits notably due to a shift towards in-house treasury products 109 109 32% 32% ■Unit-linked Q3 22 Q4 22 ■ Euro Funds Q3 22 Q4 22 Life insurance (2) gross inflows of EUR 1.8bn in Q4 22 with high proportion of unit-linked (33%) Resilient AuM in Private Banking (3) in Q4 22, asset gathering pace of +4% in 2022 vs. end of 2021 (4) Increase in both P&C premia (+4% vs. Q4 21) and Personal protection (+3% vs. Q4 21) (1) French Networks, (2) Total life insurance outstandings following the integration of the Private Banking in Q1 22, (3) Private Banking as per Q1 22 restatement (France and International), includes other businesses transferred following the disposal of Lyxor, (4) Asset gathering pace is Net New Money divided by AuM SOCIETE GENERALE 4TH QUARTER AND FULL YEAR 2022 RESULTS 18 FEBRUARY 2023

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