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INTERNATIONAL RETAIL BANKING BREAKDOWN BY REGION - 2022 RESULTS Western Europe Czech Republic Romania Russia (1) Africa, Mediterranean basin and Overseas Total International Retail Banking In EURM Net banking income Operatating expenses 2022 972 2021 968 (426) (409) Change 2022 +0.4%* 1,400 1,058 +4.1%* (666) (603) 2021 Gross operating income 546 559 Net cost of risk (173) (155) -2.3%* 734 +11.6%* 455 (47) (27) Operating income 373 404 -7.7%* 687 428 Net profit or losses from other assets 0 0 n/s 7 7 Income tax (82) (85) Minority interests 15 17 Group net income 277 302 C/I ratio 44% 42% -3.5%* (153) (91) -12.6%* 211 133 -8.4%* 330 211 48% 57% Change 2022 +26.7%* 619 +5.7%* (376) +54.5%* 243 +64.0%* (6) +53.9%* 237 -3.7%* 3 +60.9%* (53) (46) +52.9%* 74 68 +49.4%* 113 106 61% 63% 2021 556 (352) Change 2022 +11.5%* 213 643 204 +7.0%* (145) +19.4%* 68 (457) 186 14 218 2 n/s (202) (46) n/a 791 (209) (215) 681 +9.0%* (134) 140 n/a 582 466 +49.3%* 0 +15.5%* 27 +7.6%* 0 +7.6%* 4 n/a 1 5 (29) n/a (185) (154) 2021 Change 2022 2021 Change 2021 Change(2) n/a 1,951 1,770 +8.7%* 5,153 5,000 +11.5%* n/a (1,160) (1,089) +4.8%* (2,794) (2,914) +5.9%* n/a +14.9%* 2,359 2,086 -4.9%* (637) (429) +24.4%* 1,722 1,657 -80.1%* 11 +19.6%* (441) (405) 2022 +18.8%* +11.7%* +21.7%* 18 -36.9%* +23.5%* 0 n/a 147 109 +39.1%* 453 334 +34.7%* (107) 115 n/a 251 208 +17.8%* 840 936 +13.2%* 68% 71% 59% 62% 54% 58% Average allocated capital 1,509 1,495 1,145 983 597 444 398 1,046 1,906 1,770 5,562 5,750 * When adjusted for changes in Group structure and at constant exchange rates (excluding disposed Russian activities) (1) Russia structure includes Rosbank, Rusfinance and their consolidated subsidiaries in International Retail Banking disposed on 18 may 2022 (2) Excluding disposed Russian activities SOCIETE GENERALE 4TH QUARTER AND FULL YEAR 2022 RESULTS 18 FEBRUARY 2023 64

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