Core Insights - The total number of shares composing the current share capital of Societe Generale as of 23 February 2026 is 751,723,995, with a total number of voting rights amounting to 836,629,182 [2][8]. Company Overview - Societe Generale is a leading European bank with approximately 119,000 employees serving over 26 million clients across 62 countries, providing a wide range of advisory and financial solutions [3]. - The company has a strong commitment to sustainability and environmental transition, aiming to be a leading partner in these areas [4]. Business Segments - The Group operates three complementary business sets: 1. French Retail, Private Banking, and Insurance, which includes SG retail bank and BoursoBank digital bank 2. Global Banking and Investor Solutions, recognized for its leadership in equity derivatives and structured finance 3. Mobility, International Retail Banking, and Financial Services, featuring universal banks in various regions and a focus on sustainable mobility [7]. ESG Commitment - Societe Generale is included in major socially responsible investment indices, highlighting its commitment to environmental, social, and governance (ESG) principles [4].

CAPITAL DECREASE AND REPORT ON SHARE BUY-BACK Regulated Information Paris, 23 February 2026 Societe Generale announces a capital decrease through the cancellation of treasury shares and reports executed transactions within the framework of a share buy-back programme. Capital decrease On 16 February 2026, the Board of Directors, upon authorization of the Extraordinary General Meeting of 22 May 2024, decided to reduce Societe Generale’s share capital on 23 February 2026, by cancellation of 15,170,791 treasur ...

Group 1 - As of 31 January 2026, the total number of shares composing the current share capital is 766,894,786, and the total number of voting rights is 852,078,102 [2][6] - Societe Generale is a leading European bank with approximately 119,000 employees serving over 26 million clients in 62 countries [3][4] - The company has a commitment to sustainability and is included in major socially responsible investment indices such as DJSI, FTSE4Good, and MSCI Low Carbon Leaders Index [4]

Core Insights - Societe Generale achieved record revenues of EUR 27.3 billion in 2025, representing a 6.8% increase compared to 2024, exceeding the annual target of over 3% growth [1][5] - The Group's net income reached a record EUR 6 billion in 2025, marking a 43% increase from 2024, with a return on tangible equity (ROTE) of 10.2% [1][17] - Total distribution to shareholders for 2025 amounted to EUR 4.7 billion, a significant increase of 169% compared to 2024 [1][20] - The ROTE target for 2026 has been upgraded to more than 10% [1] Financial Performance - The Group's net banking income for Q4 2025 was EUR 6.725 billion, up 1.6% from Q4 2024, and 6.8% excluding asset disposals [7][8] - Operating expenses decreased by 5.5% in Q4 2025 compared to Q4 2024, leading to a cost-to-income ratio of 64.6% for the quarter [13][30] - The cost of risk for 2025 was 26 basis points, at the lower end of the guidance range of 25 to 30 basis points [14][18] Business Segments - French Retail, Private Banking, and Insurance revenues increased by 4.6% in Q4 2025 compared to Q4 2024, with net interest income growing by 8.5% [9][27] - Global Banking and Investor Solutions reported revenues of EUR 2.408 billion in Q4 2025, a decrease of 2.3% from Q4 2024, but an overall increase of 2.6% for the year [10][29] - Mobility, International Retail Banking, and Financial Services saw revenues of EUR 1.966 billion in Q4 2025, down 4.9% from Q4 2024, but up 7.3% for the year [31][33] Shareholder Returns - The proposed ordinary distribution for 2025 is EUR 2.679 billion, with a cash dividend of EUR 1.61 per share, representing a 48% increase compared to 2024 [19] - The Group also executed two extraordinary capital distributions totaling EUR 2 billion through share buy-backs in 2025 [20] Strategic Outlook - The Group aims for revenue growth of over 2% and a cost reduction of approximately 3% in 2026, targeting a cost-to-income ratio of less than 60% [18] - The Group's CET1 ratio stood at 13.5% at the end of 2025, significantly above the regulatory requirement [23][26]

Core Viewpoint - Societe Generale is accelerating its organizational simplification and skill development to enhance operational efficiency and sustainable performance [1] Group 1: Organizational Changes - The company has submitted a project for organizational simplification in France, focusing on several activities and central functions at headquarters, while the branch network remains unaffected [3] - The proposed changes aim to simplify operating methods, making them more efficient and agile in serving clients [3] - A net reduction of 1,800 positions is planned through natural attrition and an innovative social framework, without any redundancy plan, favoring internal career moves [4] Group 2: Employee Development - Career-long training will be enhanced through Societe Generale University, and a Mobility and Skills Campus will be established to facilitate internal mobility and diverse career paths [5] - The planned changes will be implemented gradually in 2026 and 2027, following consultations with employee representative bodies [5] Group 3: Employee Engagement - Close to 2,000 employees participated in a collaborative initiative, generating thousands of ideas to optimize tools, simplify processes, and strengthen automation and AI usage [2]

Group 1 - As of 31 December 2025, the total number of shares composing the current share capital is 766,894,786, and the total number of voting rights is 852,557,365 [2][6] - Societe Generale is a leading European bank with approximately 119,000 employees serving over 26 million clients in 62 countries [3][4] - The company has a strong commitment to environmental, social, and governance (ESG) principles, aiming to be a leading partner in sustainability and included in major socially responsible investment indices [4][7] Group 2 - Societe Generale operates three complementary business segments: French Retail, Private Banking and Insurance; Global Banking and Investor Solutions; and Mobility, International Retail Banking and Financial Services [7] - The bank provides a wide array of advisory and financial solutions, emphasizing sustainable value creation for all stakeholders [3][4]

Core Viewpoint - Societe Generale's share price has performed well recently, approaching its highest recorded level since May 2007, reaching €67.85 [1] Company Performance - The share price of Societe Generale has increased significantly over the past few months [1] - The current price of €67.85 marks the highest point for the company since May 2007 [1]

Company Overview - Societe Generale is a top-tier European bank with approximately 119,000 employees serving over 26 million clients in 62 countries [3] - The bank has been supporting economic development for 160 years, providing a wide array of advisory and financial solutions [3] Business Segments - The Group operates three complementary business sets, embedding ESG offerings for all clients [4] - Key business segments include French Retail, Private Banking and Insurance, Global Banking and Investor Solutions, and Mobility, International Retail Banking and Financial Services [7] ESG Commitment - Societe Generale is committed to building a sustainable future and aims to be a leading partner in environmental transition [4] - The Group is included in major socially responsible investment indices such as DJSI, FTSE4Good, and MSCI Low Carbon Leaders Index [4] Share Capital and Voting Rights - As of 30 November 2025, the total number of shares composing the current share capital is 766,894,786, with a total number of voting rights at 853,087,261 [2][6]

Core Viewpoint - Societe Generale has initiated a share buy-back program, repurchasing 0.5% of its capital and completing 21.7% of the announced EUR 1 billion buy-back as of November 28, 2025 [1]. Group 1: Share Buy-Back Program Details - The share buy-back program was announced on November 17, 2025, with a total value of EUR 1 billion [2]. - The purchases from November 21 to November 28, 2025, totaled 2,677,862 shares at an average price of €58.3874 [3][4]. Group 2: Daily Purchase Breakdown - On November 21, 2025, Societe Generale purchased a total of 474,877 shares across multiple markets at prices ranging from €56.2728 to €56.3663 [3]. - On November 24, 2025, the bank bought 435,500 shares, with prices between €57.4757 and €57.5372 [3]. - On November 25, 2025, 392,000 shares were repurchased at prices from €57.4539 to €57.7630 [4]. - On November 26, 2025, 386,685 shares were acquired, with prices ranging from €59.0569 to €59.2632 [4]. - On November 27, 2025, the bank purchased 445,000 shares at prices between €59.8178 and €59.8412 [4]. - On November 28, 2025, a total of 470,300 shares were bought at prices from €59.9921 to €59.9962 [4]. Group 3: Company Overview - Societe Generale is a leading European bank with approximately 119,000 employees serving over 26 million clients in 62 countries [5]. - The bank has a strong commitment to sustainability and is included in major socially responsible investment indices [6].

Core Viewpoint - Societe Generale has initiated a EUR 1 billion share buy-back program aimed at cancellation, starting from November 19, 2025, and has completed 6.1% of the program as of November 20, 2025, representing 0.1% of its share capital [1][2]. Summary by Sections Share Buy-Back Program Overview - The share buy-back program is authorized by the Combined General Meeting dated May 20, 2025, allowing Societe Generale to repurchase its own shares [4][5]. - The maximum amount allocated for the buy-back program is EUR 5,751,710,850, with a maximum purchase price set at EUR 75 per share [6]. Execution Details - As of November 20, 2025, Societe Generale directly owns 2,407,225 ordinary shares, which is 0.3% of its share capital, and can acquire an additional 74,282,253 shares, representing 9.7% of its share capital [8]. - The buy-back program is set to last for 18 months, concluding on November 20, 2026 [9]. Purchases Performed - From November 19 to 20, 2025, Societe Generale repurchased a total of 1,056,447 shares at an average price of EUR 57.2674 [12][13]. - The buy-backs were executed on various trading platforms, including Euronext Paris, in compliance with the Market Abuse Regulation [11][12]. Compliance and Prudential Requirements - The execution of the buy-backs will adhere to prudential requirements as defined by regulations and the European Central Bank [10].