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Investor Presentaiton

SOUND LIQUIDITY PROFILE, INCREASING DEPOSITS IN Q1 Robust balance sheet _Funded balance sheet (1) in EUR bn as of Q1 23 Diversified deposit base _In EUR bn as of Q1 23 945 945 930 930 58 Short term wholesale funding Cash at central banks 213 47 TLTRO HQLA securities (2) 66 Interbank loans 40 Other(3) 78 Customer loans (4) 503 516 598 594 | +0.7% Client deposits 242 Long term debt & equity Long term assets 45 31.03.23 31.12.22 31.12.22 31.03.23 ASSETS LIABILITIES 14% 4% ■French retail ■International banking ■Private banking ■Transaction Banking 6% 46% EUR 598 bn 4% ■ Securities Services 7% ■ Wholesale 7% 4% 8% ■Central banks, Supranational & Finance Ministries ■ Corporate deposits ■Fiduciary deposits Excess of long-term resources, loan to deposit ratio at 84% Liquid assets (cash at central banks and HQLA securities) accounting for almost 30% of funded balance sheet Assets in USD fully funded by highly diversified resources in USD, limited reliance on money market fund (~USD 4bn) Strong client deposit base, further strengthened (+0.7% vs. 31.12.22, +6.4% vs. 31.12.21) Highly diversified and granular deposit base largely composed of retail and business driven deposits (1) Economic view, see Appendix (methodology), (2) Market value, (3) Including ~EUR 26bn HQLA securities encumbered to cover local stress tests, (4) Of which additional unencumbered assets eligible to ECB refinancing policy NB: 2022 figures have been restated, in compliance with IFRS 17 and IFRS 9 for insurance entities SOCIETE GENERALE 1ST QUARTER 2023 RESULTS | 12 MAY 2023 10
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