Investor Presentaiton

BOURSORAMA +49% +41% +14% NEW CLIENT ONBOARDING vs. Q4 21 TOTAL CLIENTS vs. end of Dec. 21 AV. LOANS OUTSTANDING vs. Q4 21 _New client onboarding ('000) _Total number of clients (m) _Av. Loans (EURbn) >5.5 4.7 396 3.3 266 Q4 21 Q4 22 +43% AV. DEPOSITS OUTSTANDING vs. Q4 21 Av. Deposits and financial savings (EURbn) 49 49 35 16 14 Consumer loans ■Home loans Q4 21 Q4 22 End 2023 Q4 21 Q4 22 Q4 21 Q4 22 Financial savings (1) ■Deposits Annual and quarterly client acquisition records, +1.4m in 2022: . Strong organic client acquisition . Successful integration of ING clients Decrease in acquisition cost per client, down by ~-20% vs. 2021 Solid dynamic in deposits (+EUR 9bn in 2022, x2.2 vs. 2021), boosted by both organic growth and ING clients onboarding Positive organic net inflows in life insurance (2) in 2022 with confirmed high quality mix (62% of unit-linked shares) Continuous strong momentum in day-to-day banking flows +44% vs. Q4 21 (1) Life Insurance, Mutual Funds and Securities, (2) Excluding outstanding transferred from ING clients SOCIETE GENERALE 4TH QUARTER AND FULL YEAR 2022 RESULTS 18 FEBRUARY 2023 20

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