Investor Presentaiton

INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES PRESENCE IN AFRICA Clients 4.3m NBI EUR 1.8bn Net income C/I RWA EUR 237m 58% EUR 23bn NBI RWA FY 2022 Morocco (in EUR m) (in EUR m) Credits (in EUR m) Deposits (in EUR m) L/D Ratio Ranking 469 8,329 8,562 7,213 119% 5th Algeria 142 1,620 1,377 2,262 61% Tunisia 156 2,053 1,873 1,696 110% 7th Ivory Coast 309 3,202 3,185 4,000 80% 1st Senegal 111 1,582 1,239 1,619 77% 2nd Cameroon 136 1,716 1,006 1,690 59% 2nd Ghana 75 808 295 393 75% 6th Madagascar 81 629 524 670 78% 2nd Burkina Faso 61 997 713 818 87% 3rd Equatorial Guinea 24 357 51 353 14% 4th Guinea 67 610 332 456 73% 1st Chad 30 348 134 271 49% 4th Benin 33 492 339 365 93% Congo 28 425 144 360 40% 6th Mauritania 29 263 149 281 53% NB: Ranking based on loans outstanding as of 30 September 2022 SOCIETE GENERALE 4TH QUARTER AND FULL YEAR 2022 RESULTS 18 FEBRUARY 2023

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