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Investor Presentaiton

INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES 2022 RESULTS International Retail Banking Insurance Financial Services Total In EURm 2022 2021 Change 2022 2021 Change 2022 2021 Change 2022 2021 Change Net banking income 5,153 5,000 +11.5%* 1,012 963 +6.5%* 2,957 2,154 +35.8%* 9,122 8,117 +17.9%* Operating expenses (2,794) (2,914) +5.9%* (391) (373) +7.2%* (1,149) (916) +22.1%* (4,334) (4,203) +10.0%* Gross operating income 2,359 2,086 +18.8%* 621 590 +6.1%* 1,808 1,238 +46.1%* 4,788 3,914 +26.0%* Net cost of risk (637) (429) +11.7%* 0 0 n/s (68) (75) -13.1%* (705) (504) +7.6%* Operating income 1,722 1,657 +21.7%* 621 590 +6.1%* 1,740 1,163 +49.9%* 4,083 3,410 +29.9%* Net profits or losses from other assets 11 18 -36.9%* 0 (1) +100.0%* 0 1 -100.0%* 11 18 -36.8%* Income tax (441) (405) +23.5%* (161) (165) -1.7%* (394) (270) +46.1%* (996) (840) +26.7%* Group net income 840 936 +13.2%* 457 421 +9.3%* 1,079 725 +49.3%* 2,376 2,082 +25.6%* C/I ratio 54% 58% 39% 39% 39% 43% 48% 52% Average allocated capital 5,562 5,750 2,118 2,032 2,909 2,444 10,619 10,246 * When adjusted for changes in Group structure and at constant exchange rates (excluding disposed Russian activities) SOCIETE GENERALE 4TH QUARTER AND FULL YEAR 2022 RESULTS 18 FEBRUARY 2023
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