Investor Presentaiton
INTERNATIONAL RETAIL BANKING
BREAKDOWN BY REGION - QUARTERLY RESULTS
Western Europe
Czech Republic
Romania
Russia (1)
Africa, Mediterranean basin
and Overseas
Total International Retail
Banking
In EUR m
Q123
Net banking income
Operating expenses
Gross operating income
Net cost of risk
233
(111)
Q122 Change Q123
242 -3.7%* 330
(108) +2.8%* (213)
122
134
-9.0%* 117
(52)
(37)
+40.5%* 18
Operating income
70
97
-27.8%* 135
Net profit or losses from other assets
0
0
Income tax
(15)
(21)
n/s
-28.6%*
0
118
2
n/s
+10.5%*
0
47
Q1 22 Change Q123 Q122 Change
Q122 Change
325 -1.9%* 174 145 +19.1%*
n/a
(196) +5.1%* (108) (98) +9.5%* 0 (105) n/a
129 -12.4%* 66
47 +38.9%* 0
57
(11)
0
n/s
0
66
Q123
0
162
n/a
219
165
(198)
n/a
(49)
(67)
+38.9%* 0
(141)
n/a
170
98
-100.0%* (1)
0
n/s
0
0
n/a
0
0
(30) (27)
+7.4%* (14)
(10)
+38.5%*
0
28
n/a
(54)
(32)
-32.9%* (83)
+81.3%* 436
n/s
+76.2%* (112)
Q123 Q122 Change
Q123
Q1 22 Change
526 460 +14.8%* 1,262 1,335 +6.5%*
(307) (295)
+4.3%* (743) (806) +4.9%*
+33.9%* 519
529 +8.8%*
(313) -31.1%*
+21.5%*
216
(1)
2
n/s
(62)
+25.6%*
Minority interests
3
Group net income
53
32
42
36
+10.4%* 20
15
+35.9%*
0
0
n/a
40
25
+68.8%* 108
81
+32.4%*
72
-26.4%*
64
56
+8.7%*
C/I ratio
48%
45%
65%
60%
31
62%
22
68%
+36.2%*
0
(113)
n/a
76
41
+87.0%* 216
74
+13.1%*
n/s 65%
58% 64%
59%
60%
Average allocated capital
1,593
1,476
1,200
1,048
638
512
0
1,167
1,998
1,908
5,429
6,118
* 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
NB: 2022 figures restated in compliance with IFRS 17 and IFRS 9 for insurance entities
SOCIETE
GENERALE
1ST QUARTER 2023 RESULTS | 12 MAY 2023
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