2nd Quarter and 1st Half 2022 Results
INTERNATIONAL RETAIL BANKING
BREAKDOWN BY REGION - QUARTERLY RESULTS
Western Europe
Czech Republic
Romania
Russia (1)
Africa, Mediterranean
In EURM
Net banking income
Operatating expenses
Gross operating income
142
132
+7.7%* 191
Q2 22 Q2 21 Change Q2 22 Q2 21 Change Q2 22
249 233 +7.1%* 343 249 +32.4%* 145
(107) (101) +6.2%* (152) (140) +4.7%* (85)
109 +67.7%* 60
Q2 21
138
(85)
53
Change Q2 22
+6.5%* 51
+2.0%* (40)
+13.4%* 11
Q222
481
58
182
Net cost of risk
(33)
(27)
+24.6%* (11)
x 3.9*
1
0
n/s (4)
-9.1%* (36)
(62)
Operating income
109
105
+3.5%* 180
107
+62.1%*
61
53
+15.3%*
7
50
x 2.3*
163
120
Net profit or losses from other assets
0
0
n/s
7
1
x 6.8*
1
0
n/s
0
1
-100.0%* 0
1
Income tax
(24)
(22)
+8.7%*
(40)
(23)
+67.3%*
(14)
(11)
Minority interests
6
5
+6.5%*
57
32
Group net income
79
78
+3.2%*
91
53
C/I ratio
43%
43%
44%
56%
+67.1%*
+62.8%* 30
59%
18
Average allocated capital
1,499
1,478
1,145
959
563
425
+27.5%* (1)
17 +13.2%* 0
25 +17.5%* 6
40
62%
78% 65%
423
(11)
-38.3%*
(51)
(40)
0
n/s
+28.2%* 70
42
30
51
bassin and Overseas
Q2 21 Change
Q2 21 Change Q222 Q2 21 Change
164 +13.3%*
445 +6.4%*
1,270 1,231 +12.7%*
(106) +6.7%* (282) (263) +5.8%* (669) (698)
+5.1%*
+46.7%* 199
+7.4%*
-43.3%* (83)
+33.9%* 518
-100.0%* 8
+25.7%* (130)
+33.3%* 125
+34.4%* 272
Total International Retail
Banking
(2)
601
533
+22.6%*
(99)
-14.3%*
434
+31.6%*
3
x 2.6*
(107)
+31.0%*
85
+39.7%*
59%
59%
1,003
1,831
1,763
245
53% 57%
5,468 5,642
+28.1%*
* 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
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