Investor Presentaiton

CONTINUED PRUDENT PROVISIONING Contained cost of risk _Cost of risk (in EURm) 1,647 (28 bps) High level of S1/S2 total provisions _Total S1/S2 provisions (¹) (in EURm) 3,622 3,769 3,355 689 (54 bps) 700 677 (13 bps) 2,282 2,379 2,503 1,987 413 371 1,231 (28 bps) 367 (29 bps) 86 949 970 59 (6 bps) 346 1,051 1,243 1,368 1,266 312 322 218 -132 -249 Q4 19 Q4 20 Q421 Q422 2021 2022 31.12.19 31.12.20 31.12.21 31.12.22 Stage 1/Stage 2 Stage 3 (1) Quarterly variation of provisions for S1/S2 is not strictly matching the net S1/S2 cost of risk mainly due to FX impact SOCIETE GENERALE Stage 1 Stage 2 4TH QUARTER AND FULL YEAR 2022 RESULTS 18 FEBRUARY 2023 12

View entire presentation