{
  "schemaVersion": 1,
  "organisationId": "O-f39a736e9c15426fa221867465aa5513",
  "slug": "grp-societe-generale",
  "name": "GRP SOCIETE GENERALE",
  "updatedAt": "2026-03-20T01:28:41.456445Z",
  "sections": [
    {
      "type": "OVERVIEW",
      "text": "Societe Generale is a diversified banking and financial services group founded in 1864. While its original mission was to promote the development of trade and industry in France, its current corporate purpose is to build, with its clients, a better and sustainable future through responsible and innovative financial solutions. [P-8cc1d36b4cbe42b88c3a398e67cff69e][P-f6e1486709c94361bc8fbfefeb5434aa]\n\nThe group’s activities are centered on retail banking, private banking and insurance in France; international banking, consumer finance, vehicle leasing, fleet management, and equipment finance; and global banking and investor solutions spanning markets, financing and advisory, transaction banking, and securities services. It has a strong domestic base in France and a broader international footprint across Europe, the Americas, Africa and the Middle East, and Asia-Pacific. As a scale indicator, the group reports around 119,000 employees in more than 60 countries, serves 26 million clients, and generated EUR 26.8 billion in revenue in 2024. [P-300ed6f1bc284828979570d50d955e44][P-a7c356247f804d7498bce606cea82b2b][P-d987c24943414abbb0370c881dcbd5ad][P-d2e63960b02143f59b312d7f73c4cd42][P-83252f4daf7e4bee852a00cc07be2853][P-bd9cc2916577492d80f8f0f81ad3e405][P-54fc7a2c19c549df868be8c56e70f411][P-1d4682b840514ae7b9da556d033a34de][P-901af30cd20a4da685f8b601528ebf4c][P-56363eecbf454fc3ac9b77c69117f1a9][P-5453bffca6684f7e97d94b62d84a9d87]\n[P-8cc1d36b4cbe42b88c3a398e67cff69e][P-f6e1486709c94361bc8fbfefeb5434aa][P-300ed6f1bc284828979570d50d955e44][P-a7c356247f804d7498bce606cea82b2b][P-d987c24943414abbb0370c881dcbd5ad][P-d2e63960b02143f59b312d7f73c4cd42][P-83252f4daf7e4bee852a00cc07be2853][P-bd9cc2916577492d80f8f0f81ad3e405][P-54fc7a2c19c549df868be8c56e70f411][P-1d4682b840514ae7b9da556d033a34de][P-901af30cd20a4da685f8b601528ebf4c][P-56363eecbf454fc3ac9b77c69117f1a9][P-5453bffca6684f7e97d94b62d84a9d87]",
      "updatedAt": "2026-03-20T01:28:41.456445Z"
    },
    {
      "type": "PRODUCTS",
      "text": "Societe Generale’s product set in retail finance includes BoursoBank, a digital platform for online banking, online brokerage and online financial information that is positioned to simplify everyday banking and personal-finance management [P-85a4c25aa28449b99d0cb5d79114f4db][P-cb9aaa7b1399488f8bcf291e919809a4]. In insurance, the group offers life-insurance savings products invested in euro funds, unit-linked funds and multivehicle contracts; retirement products including individual and group plans such as the French PER; and protection products spanning borrower, health, funeral and nursing-care cover, plus property-and-casualty lines such as personal accident, means-of-payment, home and motor insurance [P-7db57ba4ba9343f68bc563d816bcd899].\n\nIts wealth and investment offering includes Societe Generale Private Banking products such as structured products, hedge funds, mutual funds, private-equity funds, real-estate investment solutions and access to capital markets [P-73d94dc7d3784e9591d77289e9e27a0e]. Through SG 29 Haussmann, the group also provides portfolio management through funds or discretionary mandates, with capabilities in structured management, equities, fixed income and alternative management, while its broader asset-management platform offers internally managed funds, custody, financial advisory and discretionary management [P-a6978ef88b12407c8468118b47434ef3][P-dcecb610cbd74aac8347f446daccbd38]. For institutional and corporate clients, Societe Generale Securities Services provides clearing, custody, trustee, fund-administration, liquidity-management, transfer-agency and issuer services, and its Global Banking & Advisory and Investment Bank activities provide M&A, corporate-finance and ESG advisory, corporate banking, capital raising, financial engineering, hedging, equity and debt capital markets, and leveraged-acquisition services [P-83252f4daf7e4bee852a00cc07be2853][P-ae823138d52247d9a63bb3319217f3a8][P-3cd8973875e54b50893e8b6be11b477d][P-8f970e3ad6a347f887dfd9aa4515233c].\n\nThe group’s transaction-banking services include cash management, trade finance, cash clearing and correspondent banking, and receivables and supply-chain finance; related teams also manage the group’s euro payment platform [P-d2e63960b02143f59b312d7f73c4cd42][P-aa4b4e0b2fa946b3be50e388a1d882aa][P-edce1cd962ae4a50b583b1f44650b1d8][P-f387b663c3ce498ca2c4538180ae6758][P-37cc0519a77b4afda5116f0666bef413]. In mobility services, Ayvens offers operational vehicle leasing and fleet management for businesses in local and international markets, bundled with maintenance, tyre management, fuel-related services, insurance and replacement vehicles; it also offers electric-vehicle leasing, vehicle-purchase financing and mobility-as-a-service solutions [P-5d19c699a8fa48209038c4cdd03f6983][P-11fed5f091184b2f9e60b1455cf480c8]. At the business-line level, Global Banking and Investor Solutions generated 37.8% of 2024 net banking income, French Retail, Private Banking and Insurance 32.3%, and Mobility, International Retail Banking and Financial Services 31.6% [T-bb34f94d12d04b5da5ee6ca9ed919ddf].\n[P-85a4c25aa28449b99d0cb5d79114f4db][P-cb9aaa7b1399488f8bcf291e919809a4][P-7db57ba4ba9343f68bc563d816bcd899][P-73d94dc7d3784e9591d77289e9e27a0e][P-a6978ef88b12407c8468118b47434ef3][P-dcecb610cbd74aac8347f446daccbd38][P-83252f4daf7e4bee852a00cc07be2853][P-ae823138d52247d9a63bb3319217f3a8][P-3cd8973875e54b50893e8b6be11b477d][P-8f970e3ad6a347f887dfd9aa4515233c][P-d2e63960b02143f59b312d7f73c4cd42][P-aa4b4e0b2fa946b3be50e388a1d882aa][P-edce1cd962ae4a50b583b1f44650b1d8][P-f387b663c3ce498ca2c4538180ae6758][P-37cc0519a77b4afda5116f0666bef413][P-5d19c699a8fa48209038c4cdd03f6983][P-11fed5f091184b2f9e60b1455cf480c8][T-bb34f94d12d04b5da5ee6ca9ed919ddf]",
      "updatedAt": "2026-03-20T01:28:41.456445Z"
    },
    {
      "type": "GEOGRAPHY",
      "text": "Société Générale’s footprint is centered on France and Europe but extends across the Americas, Asia/Oceania and Africa. As of 31 December 2024, the group employed around 119,000 people in 62 countries, with 46% of staff based in France, 31% in the rest of Europe, 8% in Africa/the Mediterranean basin/French Overseas Territories, 12% in Asia and Australia, and 3% in the Americas. Its registered office is at 29 boulevard Haussmann in Paris, and its French retail network includes around 1,400 branches for individual and business clients. [P-b60f0c5438174d28b5d80978ef38091d][P-4744718b18b3413f88cd3a5858e5ba89][P-25897962804c42c2a8aae4dd60ac21e0][P-4473ff21e9ae4a9ba7823db5d9f937c8][P-418e6185c8514664813922554df54750]\n\nOn a territorial basis in 2024, reported net banking income was €26.8 billion before intra-group eliminations, of which France contributed €11.0 billion (about 41%), the rest of Europe €9.7 billion (about 36%), the Americas €2.5 billion (about 9%), Asia/Oceania €1.5 billion (about 6%), and Africa €2.0 billion (about 8%). Country-level disclosures indicate particularly large staff bases in France (53,129 FTE), India (11,465), Romania (9,029) and the Czech Republic (7,618); notable country NBI contributions included the United States (€2.263 billion), the United Kingdom (€1.700 billion) and the Czech Republic (€1.501 billion). The India headcount is partly explained by a shared-services center, whose re-invoicing income is recorded in operating expenses rather than NBI. [P-54b9bb484b804e059498fc6a8698b4d3][T-f919787cead94a4ba2fb138313e672ed][T-e2e81cc8ad7347bd88c7f1f6d2fb4346][P-da66edf2d7bd44f589268dc1f4c40c69]\n[P-b60f0c5438174d28b5d80978ef38091d][P-4744718b18b3413f88cd3a5858e5ba89][P-25897962804c42c2a8aae4dd60ac21e0][P-4473ff21e9ae4a9ba7823db5d9f937c8][P-418e6185c8514664813922554df54750][P-54b9bb484b804e059498fc6a8698b4d3][T-f919787cead94a4ba2fb138313e672ed][T-e2e81cc8ad7347bd88c7f1f6d2fb4346][P-da66edf2d7bd44f589268dc1f4c40c69]",
      "updatedAt": "2026-03-20T01:28:41.456445Z"
    },
    {
      "type": "SEGMENTS",
      "text": "Société Générale states that it is managed on a matrix basis, with segment reporting presented by business line and by geography, but its main externally reported business divisions are French Retail, Private Banking and Insurance; Global Banking and Investor Solutions; Mobility, International Retail Banking and Financial Services; and Corporate Centre.[P-a16061b53d8a4d448f54105be538e076][P-6142c132f7ec4651b57e33117ec1543e] French Retail, Private Banking and Insurance comprises French retail banking and private banking activities, including Boursorama, together with insurance operations.[P-dcf0ebeac3be4f0a907ec3cb5a1cfca2][P-e9a8b7a4dcc24826bf9e7ccc2ae7eeea][P-dc18a5fc5d6c4519a5c0fc9ba1cc1f56] Global Banking and Investor Solutions comprises Global Markets and Investor Services plus Financing and Advisory activities.[P-9b828dac5fa44fe08de4e5c7eaf7086d][P-c426efab99f44127a35f02ab804b471a][P-a22409b23006463383d02689664056f5] Mobility, International Retail Banking and Financial Services combines international retail banking with mobility and financial services, including corporate financial services, operational vehicle leasing and fleet management, and consumer credit.[P-48b92401290d4a97a6f02b4516b746d3][P-2d97a363586140d6a2c22f9c46bfc060][P-b36af98000a64e8a9b8180666467f9d3] Corporate Centre covers central functions such as head office management, the equity portfolio, Treasury, asset-liability management and other non-business allocations.[P-0ed898aea204433f906a29e4f13fd89e][P-eadc54d3cb394625b4987b023dcfbb92]\n\nUsing 2024 net banking income as a rough indicator of segment weight, Global Banking and Investor Solutions was the largest division at about 37.8% of group net banking income, followed by French Retail, Private Banking and Insurance at about 32.3%, and Mobility, International Retail Banking and Financial Services at about 31.6%; Corporate Centre was negative at about -1.7%.[T-e47c42817fdc41708ad3ab4d95736536] In the prior-year presentation, the international activities were labeled somewhat differently as International Retail, Mobility and Leasing Services, which accounted for about 33.9% of 2023 net banking income, while Global Banking and Investor Solutions contributed about 38.4%, French Retail, Private Banking and Insurance about 32.0%, and Corporate Centre about -4.2%.[T-a97b2c1ef23846e4a85ebf742ea30731][P-312867e83fa34d25a5b26e4224ece197]\n[P-a16061b53d8a4d448f54105be538e076][P-6142c132f7ec4651b57e33117ec1543e][P-dcf0ebeac3be4f0a907ec3cb5a1cfca2][P-e9a8b7a4dcc24826bf9e7ccc2ae7eeea][P-dc18a5fc5d6c4519a5c0fc9ba1cc1f56][P-9b828dac5fa44fe08de4e5c7eaf7086d][P-c426efab99f44127a35f02ab804b471a][P-a22409b23006463383d02689664056f5][P-48b92401290d4a97a6f02b4516b746d3][P-2d97a363586140d6a2c22f9c46bfc060][P-b36af98000a64e8a9b8180666467f9d3][P-0ed898aea204433f906a29e4f13fd89e][P-eadc54d3cb394625b4987b023dcfbb92][T-e47c42817fdc41708ad3ab4d95736536][T-a97b2c1ef23846e4a85ebf742ea30731][P-312867e83fa34d25a5b26e4224ece197]",
      "updatedAt": "2026-03-20T01:28:41.456445Z"
    },
    {
      "type": "HISTORY",
      "text": "Société Générale was founded by decree on 4 May 1864 by a group of industrialists and financiers, with an initial mission to support the development of trade and industry in France.[P-8cc1d36b4cbe42b88c3a398e67cff69e][P-f4e87f16048c4dfc9f7e56d8ed1d8b00] The bank expanded rapidly in its early decades: its French branch network grew from 46 branches to 1,500 between 1870 and 1940, and it began building an international presence with a London branch in 1871.[P-9f31ebad316e493c8069134d43731147][P-7aa65c8495214b5791ad3979d57455bb] By the eve of the First World War, it was active in 14 countries, directly or through subsidiaries, and later extended its network to cities including New York, Buenos Aires, Abidjan and Dakar while also taking stakes in Central European financial institutions.[P-e772ad52f1824fb29a7a73a24df7c75c]\n\nThe bank was nationalised by law on 2 December 1945 and played a role in financing France’s post-war reconstruction.[P-f3f97710d73d46d29d1d3027371bd25c] In the post-war period it participated in the modernisation of French banking, including through products such as medium-term discountable credit and lease financing, and after the Debré banking reforms of 1966–1967 it expanded further into household banking, consumer credit and savings products.[P-a32e0d903aec49e29f6b4b7370eb2d7a][P-c9c4809a90e648b3bf0d60422e881553][P-ceb92c0974c349e2b21b8a663e511c77]\n\nSociété Générale was privatised in June 1987 through a public offering that also included a share offer for employees.[P-da034dc37f3a4794b9390db8092a765c] It continued to reshape its franchise in the following decades, founding Fimatex in 1995, which later became Boursorama and is now BoursoBank, and acquiring Crédit du Nord in 1997.[P-da034dc37f3a4794b9390db8092a765c] More recently, it completed the merger of the Société Générale and Crédit du Nord branch networks in French retail banking and created Ayvens through ALD Automotive’s acquisition of LeasePlan.[P-ba85b251a8944bc2a1ebefd8edc60dd0]\n[P-8cc1d36b4cbe42b88c3a398e67cff69e][P-f4e87f16048c4dfc9f7e56d8ed1d8b00][P-9f31ebad316e493c8069134d43731147][P-7aa65c8495214b5791ad3979d57455bb][P-e772ad52f1824fb29a7a73a24df7c75c][P-f3f97710d73d46d29d1d3027371bd25c][P-a32e0d903aec49e29f6b4b7370eb2d7a][P-c9c4809a90e648b3bf0d60422e881553][P-ceb92c0974c349e2b21b8a663e511c77][P-da034dc37f3a4794b9390db8092a765c][P-ba85b251a8944bc2a1ebefd8edc60dd0]",
      "updatedAt": "2026-03-20T01:28:41.456445Z"
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