Société Générale

274 EuroWeek Financing financial institutions

Société Générale

Covered bonds Subordinated debt Senior unsecured Securitisation

-

5,000

10,000

15,000

20,000

25,000

30,000

35,000

2005 2006 2007 2008 2009 2010

Source: Dealogic. Data to August 20 2010

$m

Debt issuance

Debt issuance

société Générale

Pricing date: July8,2010

Value: €1bn

Maturity date: July20,2013

coupon: 3mEuribor+90bp

bookrunners: SGCorporate&InvestmentBanking

sG scF

issue type: Coveredbond

Pricing date: June22,2010

Value: €250m

Maturity date: February15,2022

coupon: 4.125%

spread to swaps: 53bp

bookrunners: SGCorporate&InvestmentBanking

société Générale

Pricing date: April13,2010

Value: £350m

Maturity date: December17,2015

coupon: 3.875%

spread to swaps: 85bp

bookrunners: SGCorporate&InvestmentBanking,RBS

Source: Dealogic

Rank Lead Manager amount $m no of issues

% share

1 SG Corporate & Investment Banking

14,426 68 72.08

2 JPMorgan 750 3 3.75

3 Credit Agricole CIB 605 3 3.02

4 Morgan Stanley 500 2 2.5

4 Bank of America Merrill Lynch

500 2 2.5

6 Credit Suisse 469 2 2.34

7 Natixis 348 1 1.74

7 Intesa Sanpaolo 348 1 1.74

7 Danske Bank 348 1 1.74

10 HSBC 308 2 1.54

Subtotal 18,600 73 92.93

total 20,014 75 100

Source: Dealogic (Sep 20, 2009 to Sep 19, 2010)

Recent DeaLs

-

2010

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

-204

0

2041

+

2,000

4,000

6,000

8,000

10,000

12,000

Source: Dealogic. Data to September 1, 2010 (securitisations not included)

$m

MatuRity PRoFiLe

toP bookRunneRs

Actual t

ier one

(2009)

Benchmark sc

enario

Adverse

scenario

Additional

sovereig

n shock

Source: Committee of European Banking Supervisors

%10.7

11.9

10.2 10

9

9.5

10

10.5

11

11.5

12

12.5

cebs stRess tests

Group chief financial officerDidier Valet

Head of investor relationsHans van Beeck

investor relationsClaire Langevin+33 1 42 14 47 72claire.a.langevin@socgen.com

key contacts

Société Générale

Financing financial institutions EuroWeek 275

�m

Source: Société Générale

-1,000

-500

0

500

1,000

1,500

2,000

1Q08 2Q08

3Q08 4Q08

1Q09 2Q09

3Q09 4Q09

1Q10 2Q10

Operating income Group share of net income

%

ROE after tax. Source: Société Générale

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

16.0%

18.0%

1Q08

2Q08

3Q08

4Q08

1Q09

2Q09

3Q09

4Q09

1Q10

2Q10

�bn

ROE after tax. Source: Société Générale

Structured private placements

5.9

Unstructured vanilla private placements

2.4

Unsecured public senior plain

vanilla issues 4.4

Secured financing 3.9

�bn

ROE after tax. Source: Société Générale

0

5

10

15

20

25

30

35

40

1Q08 2Q08

3Q08 4Q08

1Q09 2Q09

3Q09 4Q09

1Q10 2Q10

�m

*Excluding legacy assets. Source: Société Générale

0

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

2Q09 3Q09 4Q09 1Q10 2Q10

French networks

International retail banking

Specialised financial services & insurance

Private banking, global investment management & services

Corporate & investment banking*

incoMe stateMent RetuRn on equity

LonG-teRM FunDinG by tyPe (2010) aVeRaGe aLLocateD caPitaL

ReVenues by business seGMent

Source: Société Générale

€ bn

960

980

1000

1020

1040

1060

1080

1100

1120

1140

1160

Dec 31, 2008 Dec 31, 2009 Jun 30, 2010

totaL assets

Source: Société Générale

€ bn

335

340

345

350

355

360

365

Dec 31, 2008 Dec 31, 2009 Jun 30, 2010

custoMeR Loans

Source: Société Générale

€ bn

260

270

280

290

300

310

320

Dec 31, 2008 Dec 31, 2009 Jun 30, 2010

custoMeR DePosits

Source: Société Générale

%

0

2

4

6

8

10

12

Jun 30,

2009

Sep 30,

2009

Dec 31,

2009

Mar 31,

2010

Jun 30,

2010

Core tier one Hybrid capital

tieR one Ratio