Investor Presentaiton

GROUP COST OF RISK In EURM Q422 Q4 21 2022 2021 Net Cost Of Risk 219 (20) 483 125 French Retail Banking Gross loan Outstandings 250,175 237,305 246,249 235,220 Cost of Risk in bp 35 (3) 20 5 Net Cost Of Risk 133 96 705 504 International Retail Banking and Financial Services Gross loan Outstandings 133,756 137,018 135,743 133,321 Cost of Risk in bp 40 28 52 38 Net Cost Of Risk 78 3 421 65 Global Banking and Investor Solutions Gross loan Outstandings 190,079 160,333 182,110 148,426 Cost of Risk in bp 16 1 23 4 Net Cost Of Risk (17) 7 38 6 Corporate Centre Gross loan Outstandings 16,363 14,574 15,411 13,835 Cost of Risk in bp (41) 16 25 4 Net Cost Of Risk 413 86 Societe Generale Group Gross loan Outstandings Cost of Risk in bp 590,373 549,229 1,647 579,513 700 530,801 28 6 28 13 See: Methodology. Cost of risk in bp is calculated based on Gross loans outstanding at the beginning of period (annualised) NB: Data restated since Q1-22 considering the transfer of Private Banking activities (French and international) to the French retail Banking. Includes other businesses transferred after the disposal of Lyxor. SOCIETE GENERALE 4TH QUARTER AND FULL YEAR 2022 RESULTS 18 FEBRUARY 2023 48

View entire presentation