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UNIVERSAL REGISTRATION DOCUMENT & RISK REPORT
Key thematics
Key figures
Governance
Sustainability
Strategy
PILLAR 3
2022
1 GROUP CONCISE RISK STATEMENT
1.1 FINANCIAL STRENGTH PROFILE
1.2 CREDIT RISK AND COUNTERPARTY CREDIT RISK
1.3 OPERATIONAL RISK
1.4 MARKET RISK
1.5 STRUCTURAL RISK - LIQUIDITY
1.6 STRUCTURAL RISK - RATES
1.7 SIGNIFICANT OPERATIONS IN 2022
1.8 KEY FIGURES
2 RISK FACTORS
2.1 RISK FACTORS BY CATEGORY
2.1.1 RISKS RELATED TO THE MACROECONOMIC, GEOPOLITICAL, MARKET AND REGULATORY ENVIRONMENTS
2.1.2 CREDIT AND COUNTERPARTY CREDIT RISKS
2.1.3 MARKET AND STRUCTURAL RISKS
2.1.4 LIQUIDITY AND FUNDING RISKS
2.1.5 EXTRA-FINANCIAL RISKS (INCLUDING OPERATIONAL RISKS) AND MODEL RISKS
2.1.6 RISKS RELATED TO INSURANCE ACTIVITIES
3 RISK MANAGEMENT ORGANISATION
3.1 SUITABILITY OF RISK MANAGEMENT SYSTEMS
3.2 RISK APPETITE
3.3 RISK APPETITE – GENERAL FRAMEWORK
3.4 RISK MANAGEMENT ORGANISATION
4 INTERNAL CONTROL FRAMEWORK
4.1 INTERNAL CONTROL
4.2 CONTROL OF THE PRODUCTION AND PUBLICATION OF FINANCIAL MANAGEMENT INFORMATION
5 CAPITAL MANAGEMENT AND ADEQUACY
5.1 REGULATORY FRAMEWORK
5.2 CAPITAL MANAGEMENT
5.3 SCOPE OF APPLICATION – PRUDENTIAL SCOPE
5.4 REGULATORY CAPITAL
5.5 RISK-WEIGHTED ASSETS AND CAPITAL REQUIREMENTS
5.6 TLAC AND MREL RATIOS
5.7 LEVERAGE RATIO
5.8 LARGE EXPOSURES RATIO
5.9 FINANCIAL CONGLOMERATE RATIO
5.10 ADDITIONAL QUANTITATIVE INFORMATION ON OWN FUNDS AND CAPITAL ADEQUACY
OWN FUNDS DETAILS
TLAC RATIO DETAILS
LEVERAGE RATIO DETAILS
COUNTERCYCLICAL BUFFER DETAILS
LINK BETWEEN PRUDENTIAL BALANCE SHEET AND TYPE OF RISK
6 CREDIT RISK
6.1 CREDIT RISK MONITORING AND SURVEILLANCE SYSTEM
6.2 CREDIT RISK HEDGING
6.3 IMPAIRMENT
6.4 RISK MEASUREMENT AND INTERNAL RATINGS
6.5 QUANTITATIVE INFORMATION
6.6 ADDITIONAL QUANTITATIVE INFORMATION ON CREDIT RISK
7 COUNTERPARTY CREDIT RISK
7.1 DETERMINING LIMITS AND MONITORING FRAMEWORK
7.2 MITIGATION OF COUNTERPARTY CREDIT RISK ON MARKET TRANSACTIONS
7.3 COUNTERPARTY CREDIT RISK MEASURES
7.4 QUANTITATIVE INFORMATION
8 SECURITISATION
8.1 SECURITISATIONS AND REGULATORY FRAMEWORK
8.2 ACCOUNTING METHODS
8.3 STRUCTURED ENTITIES’ SPECIFIC CASE
8.4 MANAGEMENT OF SECURITISATION RISKS
8.5 SOCIETE GENERALE’S SECURITISATION ACTIVITIES
8.6 PRUDENTIAL TREATMENT OF SECURITISATION POSITIONS
8.7 PERIMETER OF SECURITISATION VEHICLES
9 MARKET RISK
9.1 ORGANISATION OF MARKET RISK MANAGEMENT
9.2 MARKET RISK MONITORING PROCESS
9.3 MAIN MARKET RISK MEASURES
9.4 RISK-WEIGHTED ASSETS AND CAPITAL REQUIREMENTS
9.5 FINANCIAL INSTRUMENTS VALUATION
9.6 ADDITIONAL QUANTITATIVE INFORMATION ON MARKET RISK
10 OPERATIONAL RISK
10.1 ORGANISATION OF OPERATIONAL RISK MANAGEMENT
10.2 OPERATIONAL RISK MONITORING PROCESS
10.3 OPERATIONAL RISK MEASUREMENT
10.4 RISK-WEIGHTED ASSETS AND CAPITAL REQUIREMENTS
10.5 OPERATIONAL RISK INSURANCE
11 STRUCTURAL INTEREST RATE AND EXCHANGE RATE RISKS
11.1 ORGANISATION OF THE MANAGEMENT OF STRUCTURAL INTEREST RATE AND EXCHANGE RATE RISKS
11.2 STRUCTURAL INTEREST RATE RISK
11.3 STRUCTURAL EXCHANGE RATE RISK
12 LIQUIDITY RISK
12.1 OBJECTIVES AND GUIDING PRINCIPLES
12.2 OPERATIONAL IMPLEMENTATION
12.3 GOVERNANCE
12.4 ASSET ENCUMBRANCE
12.5 LIQUIDITY RESERVE
12.6 REGULATORY RATIOS
12.7 BALANCE SHEET SCHEDULE
13 COMPLIANCE RISK, LITIGATION
13.1 COMPLIANCE
13.2 LITIGATION
14 ENVIRONMENTAL, SOCIAL AND GOVERNANCE (ESG) RISKS
14.1 INTRODUCTION
14.2 QUALITATIVE INFORMATION ON ESG RISKS
14.2.1 PILLAR 3 CROSS-REFERENCE TABLE
14.2.2 INCORPORATING THE ENVIRONMENT IN THE RISK MANAGEMENT FRAMEWORK – COMPLEMENTARY ELEMENTS
14.3 QUANTITATIVE INFORMATION ON ESG RISKS
14.3.1 TEMPLATE 1: BANKING BOOK – CLIMATE CHANGE TRANSITION RISK
14.3.2 TEMPLATE 2: CLIMATE CHANGE TRANSITION RISK: LOANS COLLATERALISED BY IMMOVABLE PROPERTY COLLATERAL – ENERGY EFFICIENCY OF THE COLLATERAL
14.3.3 TEMPLATE 3: BANKING BOOK – CLIMATE CHANGE TRANSITION RISK: ALIGNMENT METRICS
14.3.4 TEMPLATE 4: BANKING BOOK – CLIMATE CHANGE TRANSITION RISK: EXPOSURES TO TOP 20 CARBON-INTENSIVE FIRMS
14.3.5 TEMPLATE 5: BANKING BOOK – CLIMATE CHANGE PHYSICAL RISK: EXPOSURES SUBJECT TO PHYSICAL RISK
14.3.6 TEMPLATE 10: OTHER CLIMATE CHANGE MITIGATING ACTIONS THAT ARE NOT COVERED IN THE EU TAXONOMY
15 MODEL RISK
15.1 MODEL RISK MONITORING
16 RISK RELATED TO INSURANCE ACTIVITIES
16.1 MANAGEMENT OF INSURANCE RISKS
16.2 INSURANCE RISK MODELING
17 OTHER RISKS
17.1 INVESTMENT RISK
17.2 RISK RELATED TO OPERATING LEASING ACTIVITIES
17.3 STRATEGIC RISKS
17.4 CONDUCT RISK
18 PERSON RESPONSIBLE FOR THE PILLAR 3 REPORT
18.1 PERSON RESPONSIBLE FOR THE PILLAR 3 REPORT
18.2 STATEMENT OF THE PERSON RESPONSIBLE FOR THE PILLAR 3 REPORT
19 APPENDICES
19.1 PILLAR 3 CROSS-REFERENCE TABLE
19.2 INDEX OF THE TABLES IN THE RISK REPORT
19.3 MAPPING TABLE OF EXPOSURE CLASSES
19.4 ABBREVIATIONS TABLE
URD
2022
MESSAGE FROM THE CHAIRMAN AND THE CHIEF EXECUTIVE OFFICER
1 KEY FIGURES AND PROFILE OF SOCIETE GENERALE
1.1 HISTORY
1.2 PROFILE OF SOCIETE GENERALE
1.3 A STRATEGY OF PROFITABLE AND SUSTAINABLE DEVELOPMENT, BASED ON A DIVERSIFIED AND INTEGRATED BANKING MODEL
1.4 THE GROUP’S CORE BUSINESSES
1.4.1 FRENCH RETAIL BANKING
1.4.2 INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES – IBFS (1)
1.4.3 GLOBAL BANKING AND INVESTOR SOLUTIONS
2 GROUP MANAGEMENT REPORT
2.1 SOCIETE GENERALE GROUP’S MAIN ACTIVITIES
2.2 GROUP ACTIVITY AND RESULTS
2.3 ACTIVITY AND RESULTS OF THE CORE BUSINESSES
2.3.1 RESULTS BY CORE BUSINESSES
2.3.2 FRENCH RETAIL BANKING
2.3.3 INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES
2.3.4 GLOBAL BANKING AND INVESTOR SOLUTIONS
2.3.5 CORPORATE CENTRE
2.3.6 DEFINITIONS AND METHODOLOGY, ALTERNATIVE PERFORMANCE MEASURES
2.4 EXTRA-FINANCIAL REPORT
2.4.1 DRIVERS OF POSITIVE TRANSFORMATION
2.4.2 BEING A RESPONSIBLE EMPLOYER
2.4.3 ANCHORING A CULTURE OF RESPONSIBILITY
2.4.4 ACTING AS A RESPONSIBLE BUSINESS
2.5 SIGNIFICANT NEW PRODUCTS OR SERVICES
2.5.1 LAUNCH OF SOCIETE GENERALE’S PAYMENT & TRANSACTION BANKING START-UP ACCELERATOR
2.5.2 SOCIETE GENERALE PRIVATE BANKING CONTINUES ITS RESPONSIBLE COMMITMENT BY OFFERING A NEW POSITIVE IMPACT FUND DEDICATED TO THE CLIMATE
2.5.3 SOCIETE GENERALE ACTED AS FINANCIAL ADVISOR AND MLA FOR PROVENCE GRAND LARGE, THE FIRST EVER PROJECT FINANCING OF A FLOATING OFFSHORE WIND FARM
2.5.4 SOCIETE GENERALE FACTORING LAUNCHES A RANGE OF SOLUTIONS RELATED TO ENVIRONMENTAL AND SOCIAL CRITERIA
2.5.5 SOCIETE GENERALE SECURITIES SERVICES EXTENDS ITS OFFER TO FUNDS INVESTING IN DIGITAL ASSETS
2.5.6 SOCIETE GENERALE NOW OFFERS “BOOST”, ITS OUT-OF-BANKING SERVICE PLATFORM, TO ALL CUSTOMERS AGED BETWEEN 16 AND 24
2.5.7 SOCIETE GENERALE IS LAUNCHING WITH REEZOCAR A PLATFORM TO FIND, FINANCE AND INSURE ITS VEHICLE
2.5.8 SOCIETE GENERALE FACTORING COMPLETES ITS RANGE OF PRODUCTS WITH ENVIRONMENTAL, SOCIAL AND GOVERNANCE CRITERIA FOR COMPANIES AND ASSOCIATIONS
2.6 ANALYSIS OF THE CONSOLIDATED BALANCE SHEET
2.6.1 MAIN CHANGES IN THE CONSOLIDATION SCOPE
2.6.2 CHANGES IN MAJOR CONSOLIDATED BALANCE SHEET ITEMS
2.7 FINANCIAL POLICY
2.7.1 GROUP SHAREHOLDERS’ EQUITY
2.7.2 SOLVENCY RATIOS
2.7.3 GROUP DEBT POLICY
2.7.4 LONG-TERM RATINGS, SHORT-TERM RATINGS, COUNTERPARTY RATINGS AND CHANGES OVER THE FINANCIAL YEAR
2.8 MAJOR INVESTMENTS AND DISPOSALS
2.9 PENDING ACQUISITIONS AND MAJOR CONTRACTS
2.9.1 FINANCING OF THE MAIN ONGOING INVESTMENTS
2.9.2 PENDING ACQUISITIONS AND DISPOSALS
2.10 PROPERTY AND EQUIPMENT
2.11 POST-CLOSING EVENTS
2.12 STATEMENT ON POST-CLOSING EVENTS
2.13 INFORMATION ABOUT GEOGRAPHIC LOCATIONS AND ACTIVITIES AT 31 DECEMBER 2022
3 CORPORATE GOVERNANCE
3.1 BOARD OF DIRECTORS’ REPORT ON CORPORATE GOVERNANCE
3.1.1 GOVERNANCE
3.1.2 BOARD OF DIRECTORS
3.1.3 GENERAL MANAGEMENT
3.1.4 GOVERNANCE BODIES
3.1.5 DIVERSITY POLICY WITHIN SOCIETE GENERALE
3.1.6 REMUNERATION OF GROUP SENIOR MANAGEMENT
3.1.7 ADDITIONAL INFORMATION
3.1.8 ORDINARY AGREEMENTS AND REGULATED AGREEMENTS
3.2 STATUTORY AUDITORS’ REPORT ON RELATED-PARTY AGREEMENTS
4 RISK AND CAPITAL ADEQUACY
KEY FIGURES
4.1 RISK FACTORS BY CATEGORY
4.1.1 RISKS RELATED TO THE MACROECONOMIC, GEOPOLITICAL, MARKET AND REGULATORY ENVIRONMENTS
4.1.2 CREDIT AND COUNTERPARTY CREDIT RISKS
4.1.3 MARKET AND STRUCTURAL RISKS
4.1.4 LIQUIDITY AND FUNDING RISKS
4.1.5 EXTRA-FINANCIAL RISKS (INCLUDING OPERATIONAL RISKS) AND MODEL RISKS
4.1.6 RISKS RELATED TO INSURANCE ACTIVITIES
4.2 RISK MANAGEMENT ORGANISATION
4.2.1 RISK APPETITE
4.2.2 RISK APPETITE – GENERAL FRAMEWORK
4.2.3 RISK MANAGEMENT ORGANISATION
4.3 INTERNAL CONTROL FRAMEWORK
4.3.1 INTERNAL CONTROL
4.3.2 CONTROL OF THE PRODUCTION AND PUBLICATION OF FINANCIAL MANAGEMENT INFORMATION
4.4 CAPITAL MANAGEMENT AND ADEQUACY
4.4.1 THE REGULATORY FRAMEWORK
4.4.2 CAPITAL MANAGEMENT
4.4.3 SCOPE OF APPLICATION – PRUDENTIAL SCOPE
4.4.4 REGULATORY CAPITAL
4.4.5 RISK-WEIGHTED ASSETS AND CAPITAL REQUIREMENTS
4.4.6 TLAC AND MREL RATIOS
4.4.7 LEVERAGE RATIO
4.4.8 RATIO OF LARGE EXPOSURES
4.4.9 FINANCIAL CONGLOMERATE RATIO
4.5 CREDIT RISK
4.5.1 CREDIT RISK MONITORING AND SURVEILLANCE SYSTEM
4.5.2 CREDIT RISK HEDGING
4.5.3 IMPAIRMENT
4.5.4 RISK MEASUREMENT AND INTERNAL RATINGS
4.5.5 QUANTITATIVE INFORMATION
4.6 COUNTERPARTY CREDIT RISK
4.6.1 DETERMINING LIMITS AND MONITORING FRAMEWORK
4.6.2 MITIGATION OF COUNTERPARTY CREDIT RISK ON MARKET TRANSACTIONS
4.6.3 COUNTERPARTY CREDIT RISK MEASURES
4.7 MARKET RISK
4.7.1 ORGANISATION OF MARKET RISK MANAGEMENT
4.7.2 MARKET RISK MONITORING PROCESS
4.7.3 MAIN MARKET RISK MEASURES
4.7.4 RISK-WEIGHTED ASSETS AND CAPITAL REQUIREMENTS
4.7.5 FINANCIAL INSTRUMENT VALUATION
4.8 STRUCTURAL RISKS - INTEREST RATE AND EXCHANGE RATE RISKS
4.8.1 ORGANISATION OF THE MANAGEMENT OF STRUCTURAL INTEREST RATE AND EXCHANGE RATE RISKS
4.8.2 STRUCTURAL INTEREST RATE RISK
4.8.3 STRUCTURAL EXCHANGE RATE RISK
4.9 STRUCTURAL RISK - LIQUIDITY RISK
4.9.1 OBJECTIVES AND GUIDING PRINCIPLES
4.9.2 THE GROUP’S PRINCIPLES AND APPROACH TO LIQUIDITY RISK MANAGEMENT
4.9.3 GOVERNANCE
4.9.4 LIQUIDITY RESERVE
4.9.5 REGULATORY RATIOS
4.9.6 BALANCE SHEET SCHEDULE
4.10 OPERATIONAL RISK
4.10.1 ORGANISATION OF OPERATIONAL RISK MANAGEMENT
4.10.2 OPERATIONAL RISK MONITORING PROCESS
4.10.3 OPERATIONAL RISK MEASUREMENT
4.10.4 RISK-WEIGHTED ASSETS AND CAPITAL REQUIREMENTS
4.10.5 OPERATIONAL RISK INSURANCE
4.11 COMPLIANCE RISK
4.11.1 COMPLIANCE
4.11.2 LITIGATION
4.12 MODEL RISK
4.12.1 MODEL RISK MONITORING
4.13 ENVIRONMENTAL, SOCIAL AND GOVERNANCE (ESG) RISKS
4.13.1 INTRODUCTION
4.13.2 ANALYTICAL APPROACH TO EXTRA-FINANCIAL RISK FACTORS
4.13.3 MANAGING ESG-RELATED RISKS IN THE GROUP’S ACTIVITIES
4.13.4 INCORPORATING THE ENVIRONMENT IN THE RISK MANAGEMENT FRAMEWORK
4.14 OTHER RISKS
4.14.1 RISK RELATED TO INSURANCE ACTIVITIES
4.14.2 INVESTMENT RISK
4.14.3 RISK RELATED TO OPERATING LEASING ACTIVITIES
4.14.4 STRATEGIC RISKS
4.14.5 CONDUCT RISK
5 CORPORATE SOCIAL RESPONSIBILITY
5.1 BEING AN EXEMPLARY FINANCIAL COMPANY
5.1.1 BEING A RESPONSIBLE EMPLOYER
5.1.2 BEING A RESPONSIBLE PURCHASER: THE POSITIVE SOURCING PROGRAMME
5.1.3 BEING A COMPANY THAT CARES ABOUT THE ENVIRONMENT
5.2 BEING A RESPONSIBLE BANK
5.2.1 A COMMITTED BANK
5.2.2 A MINDFUL BANK
5.2.3 A RESPECTFUL AND TRANSPARENT BANK
5.3 METHODOLOGY NOTE
5.3.1 REPORTING PROTOCOLS
5.3.2 DATA COLLECTION
5.3.3 REPORTING PERIODS
5.3.4 CSR CONSOLIDATION SCOPE
5.3.5 INDICATORS
5.3.6 SCOPE AND RULES FOR CALCULATING EMPLOYMENT-RELATED INDICATORS
5.3.7 SCOPE AND MAIN MANAGEMENT RULES FOR PROPRIETARY ENVIRONMENTAL INDICATORS
5.3.8 RESTATEMENT OF HISTORICAL DATA
5.3.9 ENVIRONMENTAL DATA: GENERAL RULES
5.3.10 CALCULATION OF GREENHOUSE GAS EMISSIONS
5.3.11 MAIN MANAGEMENT RULES FOR SPIF AND SPI INDICATORS
5.4 INDEPENDENT THIRD PARTY’S REPORT ON THE CONSOLIDATED NON-FINANCIAL STATEMENT
5.5 DUTY OF CARE PLAN
5.5.1 INTRODUCTION
5.5.2 IDENTIFYING AND PRIORITISING E&S RISKS: MAPPING INHERENT ENVIRONMENTAL AND SOCIAL RISKS
5.5.3 REGULAR E&S RISK ASSESSMENT PROCEDURES AND RISK PREVENTION AND MITIGATING MEASURES
5.5.4 WHISTLEBLOWING PROCEDURE
5.5.5 MONITORING OF DUTY OF CARE MEASURES
5.5.6 REPORT ON EFFECTIVE IMPLEMENTATION OF THE DUTY OF CARE MEASURES
5.5.7 OUTLOOK AND PLANNED DEVELOPMENTS
6 FINANCIAL INFORMATION
6.1 CONSOLIDATED FINANCIAL STATEMENTS
6.1.1 CONSOLIDATED BALANCE SHEET ‒ ASSETS
6.1.2 CONSOLIDATED BALANCE SHEET ‒ LIABILITIES
6.1.3 CONSOLIDATED INCOME STATEMENT
6.1.4 STATEMENT OF NET INCOME AND UNREALISED OR DEFERRED GAINS AND LOSSES
6.1.5 CHANGES IN SHAREHOLDERS’ EQUITY
6.1.6 CASH FLOW STATEMENT
6.2 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
NOTE 1 SIGNIFICANT ACCOUNTING PRINCIPLES
NOTE 2 CONSOLIDATION
NOTE 3 FINANCIAL INSTRUMENTS
NOTE 4 OTHER ACTIVITIES
NOTE 5 PERSONNEL EXPENSES AND EMPLOYEE BENEFITS
NOTE 6 INCOME TAX
NOTE 7 SHAREHOLDERS’ EQUITY
NOTE 8 ADDITIONAL DISCLOSURES
NOTE 9 INFORMATION ON RISKS AND LITIGATION
6.3 STATUTORY AUDITORS’ REPORT ON THE CONSOLIDATED FINANCIAL STATEMENTS
6.4 SOCIETE GENERALE MANAGEMENT REPORT
6.4.1 INFORMATION REQUIRED PURSUANT TO ARTICLE L. 511-4-2 OF THE FRENCH MONETARY AND FINANCIAL CODE RELATED TO SOCIETE GENERALE SA
6.4.2 DISCLOSURE ON DORMANT ACCOUNTS
6.5 FINANCIAL STATEMENTS
6.5.1 PARENT COMPANY BALANCE SHEET
6.5.2 INCOME STATEMENT
6.6 NOTES TO THE PARENT COMPANY FINANCIAL STATEMENTS
NOTE 1 SIGNIFICANT ACCOUNTING PRINCIPLES
NOTE 2 FINANCIAL INSTRUMENTS
NOTE 3 OTHER ACTIVITIES
NOTE 4 EXPENSES AND EMPLOYEE BENEFITS
NOTE 5 TAXES
NOTE 6 SHAREHOLDERS’ EQUITY
NOTE 7 OTHER INFORMATION
NOTE 8 INFORMATION ON RISKS AND LITIGATION
6.7 STATUTORY AUDITORS’ REPORT ON THE FINANCIAL STATEMENTS
7 SHARE, SHARE CAPITAL AND LEGAL INFORMATION
7.1 THE SOCIETE GENERALE SHARE
7.1.1 STOCK MARKET PERFORMANCE
7.1.2 TOTAL RETURN* FOR SHAREHOLDERS
7.1.3 STOCK EXCHANGE LISTING
7.1.4 STOCK MARKET INDICES
7.1.5 2022 SHAREHOLDER DISTRIBUTION
7.1.6 HISTORY OF SHAREHOLDER DISTRIBUTION
7.2 INFORMATION ON SHARE CAPITAL
7.2.1 SHARE CAPITAL
7.2.2 SHARE BUYBACKS AND TREASURY SHARES
7.2.3 BREAKDOWN OF CAPITAL AND VOTING RIGHTS OVER THREE YEARS
7.2.4 SHARE BUYBACKS
7.2.5 SHARE CAPITAL INFORMATION
7.2.6 SUMMARY STATEMENT OF TRANSACTIONS REFERRED TO IN ARTICLE L. 621-18-2 OF THE MONETARY AND FINANCIAL CODE
7.2.7 EXISTING AGREEMENTS BETWEEN SOCIETE GENERALE AND ITS SHAREHOLDERS
7.3 ADDITIONAL INFORMATION
7.4 BY-LAWS
7.5 INTERNAL RULES OF THE BOARD OF DIRECTORS (1)
APPENDIX 1 CHARTER OF THE AUDIT AND INTERNAL CONTROL COMMITTEE OF SOCIETE GENERALE
APPENDIX 2 CHARTER OF THE RISK COMMITTEE OF SOCIETE GENERALE
APPENDIX 3 CHARTER OF THE COMPENSATION COMMITTEE OF SOCIETE GENERALE
APPENDIX 4 CHARTER OF THE NOMINATION AND CORPORATE GOVERNANCE COMMITTEE OF SOCIETE GENERALE
APPENDIX 5 CHARTER OF THE US RISK COMMITTEE OF THE BOARD OF DIRECTORS OF SOCIETE GENERALE
7.6 LIST OF REGULATED INFORMATION PUBLISHED IN THE LAST 12 MONTHS
8 PERSON RESPONSIBLE FOR THE UNIVERSAL REGISTRATION DOCUMENT
8.1 PERSON RESPONSIBLE FOR THE UNIVERSAL REGISTRATION DOCUMENT
8.2 STATEMENT OF THE PERSON RESPONSIBLE FOR THE UNIVERSAL REGISTRATION DOCUMENT AND THE ANNUAL FINANCIAL REPORT
8.3 PERSONS RESPONSIBLE FOR THE AUDIT OF THE ACCOUNTS
9 CROSS-REFERENCE TABLES
9.1 CROSS-REFERENCE TABLES
9.1.1 CROSS-REFERENCE TABLE OF THE UNIVERSAL REGISTRATION DOCUMENT
9.1.2 ANNUAL FINANCIAL REPORT CROSS-REFERENCE TABLE
9.1.3 CROSS-REFERENCE TABLE FOR THE REGISTRY OF THE COURT
9.1.4 DECLARATION OF EXTRA-FINANCIAL PERFORMANCE – CROSS-REFERENCE TABLE
9.2 DECLARATION OF THE ISSUER
GLOSSARY
PILLAR 3
2021
1 GROUP CONCISE RISK STATEMENT
1.1 FINANCIAL STRENGTH PROFILE
1.2 CREDIT RISK AND COUNTERPARTY CREDIT RISK
1.3 OPERATIONAL RISK
1.4 MARKET RISK
1.5 LIQUIDITY RISK
1.6 STRUCTURAL RISKS
1.7 SIGNIFICANT OPERATIONS IN 2021
1.8 KEY FIGURES
2 RISK FACTORS
2.1 TYPES OF RISKS
2.2 RISK FACTORS
2.2.1 RISKS RELATED TO THE MACROECONOMIC, GEOPOLITICAL, MARKET AND REGULATORY ENVIRONMENTS
2.2.2 CREDIT AND COUNTERPARTY CREDIT RISKS
2.2.3 MARKET AND STRUCTURAL RISKS
2.2.4 OPERATIONAL RISKS (INCLUDING RISK OF INAPPROPRIATE CONDUCT) AND MODEL RISKS
2.2.5 LIQUIDITY AND FUNDING RISKS
2.2.6 RISKS RELATED TO INSURANCE ACTIVITIES
3 RISK MANAGEMENT ORGANISATION
3.1 SUITABILITY OF RISK MANAGEMENT SYSTEMS
3.2 RISK APPETITE
3.3 RISK APPETITE – GENERAL FRAMEWORK
3.4 RISK MANAGEMENT ORGANISATION
4 INTERNAL CONTROL FRAMEWORK
4.1 INTERNAL CONTROL
4.2 CONTROL OF THE PRODUCTION AND PUBLICATION OF FINANCIAL MANAGEMENT INFORMATION
5 CAPITAL MANAGEMENT AND ADEQUACY
5.1 REGULATORY FRAMEWORK
5.2 CAPITAL MANAGEMENT
5.3 SCOPE OF APPLICATION – PRUDENTIAL SCOPE
5.4 REGULATORY CAPITAL
5.5 RISK-WEIGHTED ASSETS AND CAPITAL REQUIREMENTS
5.6 TLAC AND MREL RATIOS
5.7 LEVERAGE RATIO
5.8 LARGE EXPOSURES RATIO
5.9 FINANCIAL CONGLOMERATE RATIO
5.10 ADDITIONAL QUANTITATIVE INFORMATION ON OWN FUNDS AND CAPITAL ADEQUACY
6 CREDIT RISK
6.1 CREDIT RISK MONITORING AND SURVEILLANCE SYSTEM
6.2 CREDIT RISK HEDGING
6.3 IMPAIRMENT
6.4 RISK MEASUREMENT AND INTERNAL RATINGS
6.5 QUANTITATIVE INFORMATION
6.6 ADDITIONAL QUANTITATIVE INFORMATION ON CREDIT RISK
7 COUNTERPARTY CREDIT RISK
7.1 LIMIT SETTING AND FRAMEWORK MONITORING
7.2 MITIGATION OF COUNTERPARTY CREDIT RISK ON MARKET OPERATIONS
7.3 COUNTERPARTY CREDIT RISK MEASURES
7.4 QUANTITATIVE INFORMATION
8 SECURITISATION
8.1 SECURITISATIONS AND REGULATORY FRAMEWORK
8.2 ACCOUNTING METHODS
8.3 STRUCTURED ENTITIES’ SPECIFIC CASE
8.4 MANAGEMENT OF SECURITISATION RISKS
8.5 SOCIETE GENERALE’S SECURITISATION ACTIVITIES
8.6 PRUDENTIAL TREATMENT OF SECURITISATION POSITIONS
9 MARKET RISK
9.1 ORGANISATION OF MARKET RISK MANAGEMENT
9.2 MARKET RISK MONITORING PROCESS
9.3 MARKET RISK MAIN MEASURES
9.4 RISK-WEIGHTED ASSETS AND CAPITAL REQUIREMENTS
9.5 FINANCIAL INSTRUMENTS VALUATION
9.6 ADDITIONAL QUANTITATIVE INFORMATION ON MARKET RISK
10 OPERATIONAL RISK
10.1 ORGANISATION OF OPERATIONAL RISK MANAGEMENT
10.2 OPERATIONAL RISK MONITORING PROCESS
10.3 OPERATIONAL RISK MEASUREMENT
10.4 RISK-WEIGHTED ASSETS AND CAPITAL REQUIREMENTS
10.5 OPERATIONAL RISK INSURANCE
11 STRUCTURAL INTEREST RATE AND EXCHANGE RATE RISKS
11.1 ORGANISATION OF THE MANAGEMENT OF STRUCTURAL INTEREST RATE AND EXCHANGE RATE RISKS
11.2 STRUCTURAL INTEREST RATE RISK
11.3 STRUCTURAL EXCHANGE RATE RISK
12 LIQUIDITY RISK
12.1 OBJECTIVES AND GUIDING PRINCIPLES
12.2 OPERATIONAL IMPLEMENTATION
12.3 GOVERNANCE
12.4 ASSET ENCUMBRANCE
12.5 LIQUIDITY RESERVE
12.6 REGULATORY RATIOS
12.7 BALANCE SHEET SCHEDULE
13 COMPLIANCE RISK, LITIGATION
13.1 COMPLIANCE
13.2 LITIGATION
14 MODEL RISK
14.1 MODEL RISK MONITORING
15 RISK RELATED TO INSURANCE ACTIVITIES
15.1 MANAGEMENT OF INSURANCE RISKS
15.2 INSURANCE RISK MODELLING
16 OTHER RISKS
16.1 EQUITY RISKS
16.2 RESIDUAL VALUE RISK
16.3 STRATEGIC RISKS
16.4 ENVIRONMENTAL AND SOCIAL RISKS
16.5 CONDUCT RISK
17 PERSON RESPONSIBLE FOR THE PILLAR 3 REPORT
17.1 PERSON RESPONSIBLE FOR THE PILLAR 3 REPORT
17.2 STATEMENT OF THE PERSON RESPONSIBLE FOR THE PILLAR 3 REPORT
18 APPENDICES
18.1 PILLAR 3 CROSS-REFERENCE TABLE
18.2 INDEX OF THE TABLES IN THE RISK REPORT
18.3 MAPPING TABLE OF EXPOSURE CLASSES
18.4 ABBREVIATIONS TABLE
URD
2021
MESSAGE FROM THE CHAIRMAN AND CHIEF EXECUTIVE OFFICER
1 KEY FIGURES AND PROFILE OF SOCIETE GENERALE
1.1 HISTORY
1.2 PROFILE OF SOCIETE GENERALE
1.3 A STRATEGY OF PROFITABLE AND SUSTAINABLE DEVELOPMENT, BASED ON A DIVERSIFIED AND INTEGRATED BANKING MODEL
RECENT DEVELOPMENTS AND OUTLOOK
1.4 THE GROUP’S CORE BUSINESSES
1.4.1 FRENCH RETAIL BANKING
1.4.2 INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES (IBFS)
1.4.3 GLOBAL BANKING AND INVESTOR SOLUTIONS (GBIS)
2 GROUP MANAGEMENT REPORT
2.1 SOCIETE GENERALE GROUP’S MAIN ACTIVITIES
2.2 GROUP ACTIVITY AND RESULTS
2.3 ACTIVITY AND RESULTS OF THE CORE BUSINESSES
2.3.1 RESULTS BY CORE BUSINESSES
2.3.2 FRENCH RETAIL BANKING
2.3.3 INTERNATIONAL RETAIL BANKING AND FINANCIAL SERVICES
2.3.4 GLOBAL BANKING AND INVESTOR SOLUTIONS
2.3.5 CORPORATE CENTRE
2.3.6 DEFINITIONS AND METHODOLOGY, ALTERNATIVE PERFORMANCE MEASURES
2.4 NEW IMPORTANT PRODUCTS OR SERVICES
2.4.1 SOCIETE GENERALE ISSUES THE FIRST STRUCTURED PRODUCT ON PUBLIC BLOCKCHAIN
2.4.2 SOCIETE GENERALE AND KYRIBA JOIN FORCES TO CREATE A CLOUD TREASURY MANAGEMENT SOLUTION
2.4.3 SOCIETE GENERALE PRIVATE BANKING LAUNCHES THE FIRST SRI-LABELLED* DISCRETIONARY MANAGEMENT OFFER
2.4.4 BNP PARIBAS, CRÉDIT MUTUEL AND SOCIETE GENERALE ARE STUDYING A PLAN TO POOL THEIR ATMS TO INCREASE ACCESSIBILITY FOR THEIR CLIENTS
2.4.5 SOCIETE GENERALE ASSURANCES LAUNCHES “MATLA”, AN INDIVIDUAL RETIREMENT SAVINGS PLAN FROM ORADEA VIE FOR BOURSORAMA BANQUE’S CLIENTS
2.4.6 ALD AUTOMOTIVE LAUNCHES LEASING OPTIONS FOR TESLAS IN EUROPE
2.5 ANALYSIS OF THE CONSOLIDATED BALANCE SHEET
2.5.1 MAIN CHANGES IN THE CONSOLIDATION SCOPE
2.5.2 CHANGES IN MAJOR CONSOLIDATED BALANCE SHEET ITEMS
2.6 FINANCIAL POLICY
2.6.1 GROUP SHAREHOLDERS’ EQUITY
2.6.2 SOLVENCY RATIOS
2.6.3 GROUP DEBT POLICY
2.6.4 LONG-TERM RATINGS, SHORT-TERM RATINGS, COUNTERPARTY RATINGS AND CHANGES OVER THE FINANCIAL YEAR
2.7 MAJOR INVESTMENTS AND DISPOSALS
2.8 PENDING ACQUISITIONS AND MAJOR CONTRACTS
2.8.1 FINANCING OF THE MAIN ONGOING INVESTMENTS
2.8.2 PENDING ACQUISITIONS AND DISPOSALS
2.9 PROPERTY AND EQUIPMENT
2.10 POST-CLOSING EVENTS
2.11 STATEMENT ON POST-CLOSING EVENTS
2.12 INFORMATION ABOUT GEOGRAPHIC LOCATIONS AND ACTIVITIES AT 31 DECEMBER 2021
3 CORPORATE GOVERNANCE
3.1 BOARD OF DIRECTORS’ REPORT ON CORPORATE GOVERNANCE
3.1.1 GOVERNANCE
3.1.2 BOARD OF DIRECTORS
3.1.3 GENERAL MANAGEMENT
3.1.4 GOVERNANCE BODIES
3.1.5 DIVERSITY POLICY WITHIN SOCIETE GENERALE
3.1.6 REMUNERATION OF GROUP SENIOR MANAGEMENT
3.1.7 ADDITIONAL INFORMATION
3.1.8 ORDINARY AGREEMENTS AND REGULATED AGREEMENTS
3.2 STATUTORY AUDITORS’ REPORT ON RELATED-PARTY AGREEMENTS
4 RISK AND CAPITAL ADEQUACY
KEY FIGURES
4.1 RISK FACTORS
4.1.1 RISKS RELATED TO THE MACROECONOMIC, GEOPOLITICAL, MARKET AND REGULATORY ENVIRONMENTS
4.1.2 CREDIT AND COUNTERPARTY CREDIT RISKS
4.1.3 MARKET AND STRUCTURAL RISKS
4.1.4 OPERATIONAL RISKS (INCLUDING RISK OF INAPPROPRIATE CONDUCT) AND MODEL RISKS
4.1.5 LIQUIDITY AND FUNDING RISKS
4.1.6 RISKS RELATED TO INSURANCE ACTIVITIES
4.2 RISK MANAGEMENT ORGANISATION
4.2.1 RISK APPETITE
4.2.2 RISK APPETITE – GENERAL FRAMEWORK
4.2.3 RISK MANAGEMENT ORGANISATION
4.3 INTERNAL CONTROL FRAMEWORK
4.3.1 INTERNAL CONTROL
4.3.2 CONTROL OF THE PRODUCTION AND PUBLICATION OF FINANCIAL MANAGEMENT INFORMATION
4.4 CAPITAL MANAGEMENT AND ADEQUACY
4.4.1 THE REGULATORY FRAMEWORK
4.4.2 CAPITAL MANAGEMENT
4.4.3 SCOPE OF APPLICATION – PRUDENTIAL SCOPE
4.4.4 REGULATORY CAPITAL
4.4.5 RISK-WEIGHTED ASSETS AND CAPITAL REQUIREMENTS
4.4.6 TLAC AND MREL RATIOS
4.4.7 LEVERAGE RATIO
4.4.8 RATIO OF LARGE EXPOSURES
4.4.9 FINANCIAL CONGLOMERATE RATIO
4.5 CREDIT RISK
4.5.1 CREDIT RISK MONITORING AND SURVEILLANCE SYSTEM
4.5.2 CREDIT RISK HEDGING
4.5.3 IMPAIRMENT
4.5.4 RISK MEASUREMENT AND INTERNAL RATINGS
4.5.5 QUANTITATIVE INFORMATION
4.6 COUNTERPARTY CREDIT RISK
4.6.1 DETERMINING LIMITS AND MONITORING FRAMEWORK
4.6.2 MITIGATION OF COUNTERPARTY CREDIT RISK ON MARKET TRANSACTIONS
4.6.3 COUNTERPARTY CREDIT RISK MEASURES
4.7 MARKET RISK
4.7.1 ORGANISATION OF MARKET RISK MANAGEMENT
4.7.2 MARKET RISK MONITORING PROCESS
4.7.3 MAIN MARKET RISK MEASURES
4.7.4 RISK-WEIGHTED ASSETS AND CAPITAL REQUIREMENTS
4.7.5 FINANCIAL INSTRUMENT VALUATION
4.8 OPERATIONAL RISK
4.8.1 ORGANISATION OF OPERATIONAL RISK MANAGEMENT
4.8.2 OPERATIONAL RISK MONITORING PROCESS
4.8.3 OPERATIONAL RISK MEASUREMENT
4.8.4 RISK-WEIGHTED ASSETS AND CAPITAL REQUIREMENTS
4.8.5 OPERATIONAL RISK INSURANCE
4.9 STRUCTURAL INTEREST RATE AND EXCHANGE RATE RISKS
4.9.1 ORGANISATION OF THE MANAGEMENT OF STRUCTURAL INTEREST RATE AND EXCHANGE RATE RISKS
4.9.2 STRUCTURAL INTEREST RATE RISK
4.9.3 STRUCTURAL EXCHANGE RATE RISK
4.10 LIQUIDITY RISK
4.10.1 OBJECTIVES AND GUIDING PRINCIPLES
4.10.2 THE GROUP’S PRINCIPLES AND APPROACH TO LIQUIDITY RISK MANAGEMENT
4.10.3 GOVERNANCE
4.10.4 LIQUIDITY RESERVE
4.10.5 REGULATORY RATIOS
4.10.6 BALANCE SHEET SCHEDULE
4.11 COMPLIANCE RISK, LITIGATION
4.11.1 COMPLIANCE
4.11.2 LITIGATION
4.12 MODEL RISK
4.12.1 MODEL RISK MONITORING
4.13 RISK RELATED TO INSURANCE ACTIVITIES
4.13.1 MANAGEMENT OF INSURANCE RISKS
4.13.2 INSURANCE RISK MODELING
4.14 OTHER RISKS
4.14.1 PRIVATE EQUITY RISK
4.14.2 RESIDUAL VALUE RISK
4.14.3 STRATEGIC RISKS
4.14.4 ENVIRONMENTAL AND SOCIAL RISKS
4.14.5 CONDUCT RISK
5 CORPORATE SOCIAL RESPONSIBILITY
SOCIETE GENERALE - CSR AT A GLANCE
5.1 EXTRA-FINANCIAL CHALLENGES AND RISKS FOR SOCIETE GENERALE
5.1.1 A STRATEGIC CSR AMBITION THAT DRIVES THE GROUP’S CORPORATE PURPOSE
5.1.2 CONSULTING STAKEHOLDERS TO UNDERSTAND THEIR EXPECTATIONS
5.1.3 ANALYTICAL APPROACH TO EXTRA-FINANCIAL RISK FACTORS
5.2 DEFINING A ROBUST SUSTAINABILITY MANAGEMENT FRAMEWORK
5.2.1 CSR IN THE GROUP’S GOVERNANCE
5.2.2 INCORPORATING CSR PRINCIPLES INTO COMPENSATION
5.2.3 DIALOGUE WITH STAKEHOLDERS
5.2.4 A CODE OF CONDUCT UNDERPINNED BY SHARED VALUES
5.2.5 RESPECTING HUMAN RIGHTS
5.2.6 COMMITMENTS AND WORKING GROUPS
5.2.7 E&S RISK MANAGEMENT IN THE BUSINESSES TO PROMOTE FAIR AND RESPONSIBLE GROWTH
5.3 BUILDING A BETTER AND SUSTAINABLE FUTURE WITH OUR CLIENTS
5.3.1 A BANK COMMITTED TO SUSTAINABLE AND RESPONSIBLE FINANCE
5.3.2 APPLYING THE HIGHEST STANDARDS IN CLIENT RELATIONSHIP MANAGEMENT
5.4 SETTING THE EXAMPLE: AN EXEMPLARY FINANCIAL COMPANY
5.4.1 BEING A RESPONSIBLE EMPLOYER
5.4.2 BEING A RESPONSIBLE PURCHASER: THE POSITIVE SOURCING PROGRAMME
5.4.3 BEING A COMPANY THAT CARES ABOUT THE ENVIRONMENT
5.5 METHODOLOGY NOTE
5.5.1 REPORTING PROTOCOLS
5.5.2 DATA COLLECTION
5.5.3 REPORTING PERIODS
5.5.4 CSR CONSOLIDATION SCOPE
5.5.5 INDICATORS
5.5.6 SCOPE AND RULES FOR CALCULATING EMPLOYMENT-RELATED INDICATORS
5.5.7 SCOPE AND MAIN MANAGEMENT RULES FOR PROPRIETARY ENVIRONMENTAL INDICATORS
5.5.8 RESTATEMENT OF HISTORICAL DATA
5.5.9 ENVIRONMENTAL DATA: GENERAL RULES
5.5.10 CALCULATION OF GREENHOUSE GAS EMISSIONS
5.5.11 MAIN MANAGEMENT RULES FOR SPIF AND SPI INDICATORS
5.5.12 PERFORMANCE INDICATORS AND QUALITATIVE DATA TO IMPLEMENT THE EU TAXONOMY REGULATION
5.6 INDEPENDENT THIRD PARTY’S REPORT ON THE CONSOLIDATED NON-FINANCIAL STATEMENT
5.7 GROUP’S DUTY OF CARE PLAN
5.7.1 INTRODUCTION
5.7.2 IDENTIFYING AND PRIORITISING E&S RISKS: MAPPING INHERENT ENVIRONMENTAL AND SOCIAL RISKS
5.7.3 REGULAR E&S RISK ASSESSMENT PROCEDURES AND RISK PREVENTION AND MITIGATING MEASURES
5.7.4 WHISTLEBLOWING PROCEDURE
5.7.5 MONITORING OF DUTY OF CARE MEASURES
5.7.6 REPORT ON EFFECTIVE IMPLEMENTATION OF THE DUTY OF CARE MEASURES
5.7.7 OUTLOOK AND PLANNED DEVELOPMENTS
6 FINANCIAL INFORMATION
6.1 CONSOLIDATED FINANCIAL STATEMENTS
6.1.1 CONSOLIDATED BALANCE SHEET – ASSETS
6.1.2 CONSOLIDATED BALANCE SHEET – LIABILITIES
6.1.3 CONSOLIDATED INCOME STATEMENT
6.1.4 STATEMENT OF NET INCOME AND UNREALISED OR DEFERRED GAINS AND LOSSES
6.1.5 CHANGES IN SHAREHOLDERS’ EQUITY
6.1.6 CASH FLOW STATEMENT
6.2 NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
NOTE 1 SIGNIFICANT ACCOUNTING PRINCIPLES
NOTE 2 CONSOLIDATION
NOTE 3 FINANCIAL INSTRUMENTS
NOTE 4 OTHER ACTIVITIES
NOTE 5 PERSONNEL EXPENSES AND EMPLOYEE BENEFITS
NOTE 6 INCOME TAX
NOTE 7 SHAREHOLDERS’ EQUITY
NOTE 8 ADDITIONAL DISCLOSURES
NOTE 9 INFORMATION ON RISKS AND LITIGATION
6.3 STATUTORY AUDITORS’ REPORT ON THE CONSOLIDATED FINANCIAL STATEMENTS
6.4 SOCIETE GENERALE MANAGEMENT REPORT
6.4.1 INFORMATION REQUIRED PURSUANT TO ARTICLE L. 511-4-2 OF THE FRENCH MONETARY AND FINANCIAL CODE RELATED TO SOCIETE GENERALE SA
6.4.2 DISCLOSURE ON DORMANT ACCOUNTS
6.5 FINANCIAL STATEMENTS
6.5.1 PARENT COMPANY BALANCE SHEET
6.5.2 INCOME STATEMENT
6.6 NOTES TO THE PARENT COMPANY FINANCIAL STATEMENTS
NOTE 1 SIGNIFICANT ACCOUNTING PRINCIPLES
NOTE 2 FINANCIAL INSTRUMENTS
NOTE 3 OTHER ACTIVITIES
NOTE 4 EXPENSES AND EMPLOYEE BENEFITS
NOTE 5 TAXES
NOTE 6 SHAREHOLDER’S EQUITY
NOTE 7 OTHER INFORMATION
NOTE 8 INFORMATION ON RISKS AND LITIGATION
6.7 STATUTORY AUDITORS’ REPORT ON THE FINANCIAL STATEMENTS
7 SHARE, SHARE CAPITAL AND LEGAL INFORMATION
7.1 THE SOCIETE GENERALE SHARE
7.1.1 STOCK MARKET PERFORMANCE
7.1.2 TOTAL RETURN FOR SHAREHOLDERS
7.1.3 STOCK EXCHANGE LISTING
7.1.4 STOCK MARKET INDICES
7.1.5 2021 SHAREHOLDER DISTRIBUTION
7.1.6 HISTORY OF SHAREHOLDER DISTRIBUTION
7.2 INFORMATION ON SHARE CAPITAL
7.2.1 SHARE CAPITAL
7.2.2 SHARE BUYBACKS AND TREASURY SHARES
7.2.3 BREAKDOWN OF CAPITAL AND VOTING RIGHTS OVER 3 YEARS
7.2.4 SHARE BUYBACKS
7.2.5 INFORMATION ON SHARE CAPITAL
7.2.6 SUMMARY STATEMENT OF TRANSACTIONS REFERRED TO IN ARTICLE L. 621-18-2 OF THE MONETARY AND FINANCIAL CODE
7.2.7 EXISTING AGREEMENTS BETWEEN SOCIETE GENERALE AND ITS SHAREHOLDERS
7.3 ADDITIONAL INFORMATION
7.3.1 GENERAL INFORMATION
7.4 BY-LAWS
7.5 INTERNAL RULES OF THE BOARD OF DIRECTORS(1)
7.6 LIST OF REGULATED INFORMATION PUBLISHED IN THE LAST 12 MONTHS(1)
8 PERSON RESPONSIBLE FOR THE UNIVERSAL REGISTRATION DOCUMENT
8.1 PERSON RESPONSIBLE FOR THE UNIVERSAL REGISTRATION DOCUMENT
8.2 STATEMENT OF THE PERSON RESPONSIBLE FOR THE UNIVERSAL REGISTRATION DOCUMENT AND THE ANNUAL FINANCIAL REPORT
8.3 PERSONS RESPONSIBLE FOR THE AUDIT OF THE ACCOUNTS
9 CROSS-REFERENCE TABLES
9.1 CROSS-REFERENCE TABLES
9.1.1 CROSS-REFERENCE TABLE OF THE UNIVERSAL REGISTRATION DOCUMENT
9.1.2 ANNUAL FINANCIAL REPORT CROSS-REFERENCE TABLE
9.1.3 CROSS-REFERENCE TABLE FOR THE REGISTRY OF THE COURT
9.1.4 DECLARATION OF EXTRA-FINANCIAL PERFORMANCE – CROSS-REFERENCE TABLE
9.2 DECLARATION OF THE ISSUER
GLOSSARY
CORPORATE SOCIAL RESPONSIBILITY GLOSSARY
GLOSSARY OF MAIN TECHNICAL TERMS
en
Français
English
UNIVERSAL REGISTRATION DOCUMENT & RISK REPORT
2023
PILLAR 3
2022
1 GROUP CONCISE RISK STATEMENT
2 RISK FACTORS
3 RISK MANAGEMENT ORGANISATION
4 INTERNAL CONTROL FRAMEWORK
5 CAPITAL MANAGEMENT AND ADEQUACY
6 CREDIT RISK
7 COUNTERPARTY CREDIT RISK
8 SECURITISATION
9 MARKET RISK
10 OPERATIONAL RISK
11 STRUCTURAL INTEREST RATE AND EXCHANGE RATE RISKS
12 LIQUIDITY RISK
13 COMPLIANCE RISK, LITIGATION
14 ENVIRONMENTAL, SOCIAL AND GOVERNANCE (ESG) RISKS
15 MODEL RISK
16 RISK RELATED TO INSURANCE ACTIVITIES
17 OTHER RISKS
18 PERSON RESPONSIBLE FOR THE PILLAR 3 REPORT
19 APPENDICES
URD
2022
MESSAGE FROM THE CHAIRMAN AND THE CHIEF EXECUTIVE OFFICER
1 KEY FIGURES AND PROFILE OF SOCIETE GENERALE
2 GROUP MANAGEMENT REPORT
3 CORPORATE GOVERNANCE
4 RISK AND CAPITAL ADEQUACY
5 CORPORATE SOCIAL RESPONSIBILITY
6 FINANCIAL INFORMATION
7 SHARE, SHARE CAPITAL AND LEGAL INFORMATION
8 PERSON RESPONSIBLE FOR THE UNIVERSAL REGISTRATION DOCUMENT
9 CROSS-REFERENCE TABLES
GLOSSARY
PILLAR 3
2021
1 GROUP CONCISE RISK STATEMENT
2 RISK FACTORS
3 RISK MANAGEMENT ORGANISATION
4 INTERNAL CONTROL FRAMEWORK
5 CAPITAL MANAGEMENT AND ADEQUACY
6 CREDIT RISK
7 COUNTERPARTY CREDIT RISK
8 SECURITISATION
9 MARKET RISK
10 OPERATIONAL RISK
11 STRUCTURAL INTEREST RATE AND EXCHANGE RATE RISKS
12 LIQUIDITY RISK
13 COMPLIANCE RISK, LITIGATION
14 MODEL RISK
15 RISK RELATED TO INSURANCE ACTIVITIES
16 OTHER RISKS
17 PERSON RESPONSIBLE FOR THE PILLAR 3 REPORT
18 APPENDICES
URD
2021
MESSAGE FROM THE CHAIRMAN AND CHIEF EXECUTIVE OFFICER
1 KEY FIGURES AND PROFILE OF SOCIETE GENERALE
2 GROUP MANAGEMENT REPORT
3 CORPORATE GOVERNANCE
4 RISK AND CAPITAL ADEQUACY
5 CORPORATE SOCIAL RESPONSIBILITY
6 FINANCIAL INFORMATION
7 SHARE, SHARE CAPITAL AND LEGAL INFORMATION
8 PERSON RESPONSIBLE FOR THE UNIVERSAL REGISTRATION DOCUMENT
9 CROSS-REFERENCE TABLES
GLOSSARY
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