Societe Generale SA
GLE
ISIN FR0000130809 / Valor 519928
Societe Generale SA
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About company
Societe Generale SA is a longstanding financial institution that has played a crucial role in providing financing for global economic development over its 160+ years of existence. As a sustainable bank, Societe Generale has established a reputation for stability and reliability, making it a trusted partner for customers. The bank's core function has always been to support economic growth by providing the necessary financial resources for businesses and individuals. With a focus on building the foundations for economic development, Societe Generale continues to be a key player in the global financial industry.
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
55563 M
Market cap (USD)
4,310,267
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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