2nd Quarter and 1st Half 2022 Results
INTERNATIONAL RETAIL BANKING
BREAKDOWN BY REGION - HALF YEAR RESULTS
Western Europe
Czech Republic
Romania
Russia (1)
Africa, Mediterranean
In EURM
H122
Net banking income
Operatating expenses
Gross operating income
Net cost of risk
491
H121
461
(215)
(204)
Change H122
+6.5%* 670
+5.3%* (350)
276
257
+7.4%* 320
179
(70)
(58)
+21.7%* (22)
(25)
Operating income
206
199
+3.3%*
298
154
H121 Change H122
490 +30.3%* 290
(311) +7.4%* (183)
+70.1%* 107
-17.0%* 1
+84.3%* 108
Net profit or losses from other assets
0
0
n/s
9
1
x 8.6*
1
H121
273
(180)
93
(11)
82
0
Income tax
(45)
(42)
+6.9%*
(67)
(33)
+93.1%* (24)
(17)
Minority interests
9
6
-8.4%*
93
47
+88.8%* 33
26
Group net income
151
148
+2.0%*
147
C/I ratio
44%
44%
52%
75
63%
+82.6%* 52
63%
39
66%
Change H122 H121
+7.5%* 213 314
+3.3%* (145) (214)
+15.6%* 68
100
n/s (202) (20)
+46.7%* (134) 80
n/s
0
3
+58.4%* 27 (17)
+30.9%* 0
0
+33.5%* (107) 66
68% 68%
bassin and Overseas
Change H122 H121 Change
+11.5%* 947 877 +6.8%*
+6.6%* (578) (541)
+23.6%* 369 336
-8.4%* (103) (114)
+19.0%* 266 222
-100.0%* 0
1
+15.9%* (85) (74)
n/s
-26.2%*
+6.0%* (1,478) (1,451)
+8.3%* 1,135 967
-11.8%* (396) (228)
+18.8%* 739
-100.0%* 10
+13.9%* (193) (183)
739
Total International Retail
Banking
H122 H121 Change(2)
2,613 2,418 +12.4%*
+6.3%*
+21.3%*
-8.4%*
+46.9%*
5
+98.0%*
+41.7%*
66
115
61% 62%
53
96
+22.0%* 205
138
+43.9%*
+17.8%* 350
423
+26.0%*
57%
60%
Average allocated capital
1,487
1,466
1,096
953
537
412
795
1,013
1,863
1,749
5,787
5,607
* When adjusted for changes in Group structure and at constant exchange rates
(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
2ND QUARTER AND 1ST HALF 2022 RESULTS |3 AUGUST 2022 79View entire presentation