Investor Presentaiton
INTERNATIONAL RETAIL BANKING
EUROPE
+5%*
Stable*
AFRICA AND OTHERS
+7%*
+6%*
LOANS OUTSTANDING vs. end of Dec.21
DEPOSITS OUTSTANDING vs. end of Dec.21
LOANS OUTSTANDING vs. end of Dec.21
DEPOSITS OUTSTANDING vs. end of Dec.21
_Revenues (EURM)
+7%*
761
695
_Revenues (EURM)
453
+10%*
519
Q4 21
Q4 22
Sustained loan growth across client segments, with good dynamics
notably in Czech corporate business (+11%* vs. Q4 21)
Good deposit collection in Romania, decrease in Czech Republic
notably due to a shift towards fee-based financial savings
Strong increase in net interest margin (+9%* vs. Q4 21), supported by
high rates in Czech Republic and Romania
*When adjusted for changes in Group structure and at constant exchange rates
SOCIETE
GENERALE
Q4 21
Solid business activity confirmed in Q4 22:
Q4 22
. Corporate loans growth (+9%* vs. Q4 21) in both Mediterranean Basin
and sub-Saharian Africa
Upward deposits across all regions and segments
High revenue performance, with both strong net interest margin (+9%*
vs. Q4 21) and commissions (+10%* vs. Q4 21)
4TH QUARTER AND FULL YEAR 2022 RESULTS 18 FEBRUARY 2023
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