Societe Generale SA
GLE
ISIN FR0000130809 / Valor 519928
Societe Generale SA
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About company
Société Générale SA is a major Paris‑headquartered universal bank that provides a broad range of financial services to retail customers, corporations and institutional clients worldwide. Its activities span domestic and international retail banking, private banking and consumer finance, corporate and investment banking including advisory, capital markets and structured finance, securities services and asset management, and insurance and specialized financing products. The group operates through multiple regional networks and business divisions across Europe, Africa and other markets, and is publicly listed on Euronext Paris as one of France’s largest banking groups.
Summarized from source with an LLMView SourceSector: FinanceLatest Results (20.12.2025):
Societe Generale SA — Third quarter 2025 (Q3 2025) and nine months to 30 September 2025: the Group delivered a strong set of results with Group net income of EUR 4.6bn in 9M 2025 (EUR 4,582m, +45% vs. 9M 2024), a 9M ROTE of 10.5% (Q3 ROTE 10.7%), and continued revenue momentum while materially improving efficiency and preserving capital strength.
Overall results
Group net income: EUR 4.6bn in 9M 2025 (EUR 4,582m, +45% y/y). Q3 2025 Group net income: EUR 1,521m (+11.3% vs Q3 24). ROTE: 10.5% for 9M 25 and 10.7% in Q3 25.
Revenues
Group revenues of EUR 20.5bn in 9M 25 (EUR 20,529m), up +6.7% excl. asset disposals; Q3 revenues EUR 6.66bn, +3.0% excl. disposals (+7.7% ex disposals and exceptional Q3‑24 item).
Costs & efficiency
Operating expenses down: -2.2% in 9M 25 excl. asset disposals (total costs -6.4% y/y reported). Cost/income ratio improved to 63.3% in 9M 25 and to 61.0% in Q3 25 (below 2025 target <65%).
Risk & asset quality
Contained cost of risk at c.25 bps in 9M 25 (Q3 cost of risk 26 bps, EUR 369m). Gross NPL ratio 2.77% at 30 Sept 2025; net coverage of NPLs ~82% (after guarantees/collateral).
Capital & liquidity
CET1 ratio 13.7% at 30 Sept 2025 (≈340 bps above regulatory requirement). LCR ~147% end‑Sept (quarter avg 150%); NSFR 117% — all well above regulatory minima.
Shareholder returns & corporate actions
Completed the additional EUR 1bn share buy‑back programme (closed 14 Oct 2025). Distribution accrual at end‑9M 25 equivalent to EUR 2.68 per share (pro‑forma assumptions noted by the Group).
Business highlights
All three pillars contributed: French Retail, Private Banking & Insurance posted strong net income growth (9M net income EUR 1,348m); Global Banking & Investor Solutions delivered EUR 2,340m (9M) with resilient markets and financing activity; Mobility, International Retail Banking & Financial Services improved profitability and RONE (9M net income EUR 1,115m).
Sustainability & portfolio actions
Sustainable finance: ~25% of the EUR 500bn 2024‑2030 target achieved by end‑June 2025. Continued portfolio simplification with disposals completed (e.g., Guinea Conakry, Mauritania) during 2025.
Summarized from source with an LLMView SourceKey figures
Performance
Volatility
56255 M
Market cap (USD)
1,725,343
Daily traded volume (Shares)
27.08 / 26.75
1 day high/low (USD)
52 weeks high/low (USD)
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Ratings & reviews
Thomas Röthlisberger
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