Cash flow Société Générale

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GLE

FR0000130809

Banks

Market Closed - Euronext Paris Other stock markets 19:55:00 16/06/2026 +04			5-day change	1st Jan Change
77.18 ^EUR	+1.55%		+9.69%	+12.31%

06-16	Viscaria explores $161m directed share issue: $64m in shareholder loans to be converted	FW
06-16	Angola's state oil firm secures $2.65 billion financing from foreign lenders	RE

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Published financial data: SOCIÉTÉ GÉNÉRALE

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	20.59B	28.84B	53.09B	55.02B	43.63B
Interest Income, Total	20.59B	28.84B	53.09B	55.02B	43.63B
Interest On Deposits	9.87B	17.55B	42.78B	45.13B	33.56B
Interest Expense, Total	9.87B	17.55B	42.78B	45.13B	33.56B
Net Interest Income	10.72B	11.29B	10.31B	9.89B	10.07B
Gain (Loss) on Sale of Assets	624M	-3.36B	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Total Other Non Interest Income	15.08B	16.77B	14.79B	16.9B	17.18B
Non Interest Income, Total	15.7B	13.42B	14.79B	16.9B	17.18B
Revenues Before Provison For Loan Losses	26.42B	24.7B	25.1B	26.79B	27.25B
Provision For Loan Losses	700M	1.65B	1.02B	1.53B	1.48B
Total Revenues	25.72B	23.06B	24.08B	25.26B	25.78B
Salaries And Other Employee Benefits	9.57B	9.86B	-	-	-
Stock-Based Compensation (IS)	-	-	254M	243M	385M
Occupancy Expense	1.64B	1.57B	1.68B	1.65B	1.6B
Selling General & Admin Expenses, Total	520M	544M	449M	510M	463M
(Income) Loss on Equity Invest.	-6M	-15M	-24M	-21M	-18M
Total Other Non Interest Expense	5.85B	6.59B	16.26B	16.07B	14.89B
Non Interest Expense, Total	17.57B	18.55B	18.61B	18.45B	17.32B
EBT, Excl. Unusual Items	8.15B	4.51B	5.47B	6.81B	8.46B
Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-114M	-	-338M	-	-
Asset Writedown	-	-	-	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-77M	345M
EBT, Incl. Unusual Items	8.04B	4.51B	5.13B	6.73B	8.8B
Income Tax Expense	1.7B	1.56B	1.68B	1.6B	1.77B
Earnings From Continuing Operations	6.34B	2.95B	3.45B	5.13B	7.03B
Net Income to Company	6.34B	2.95B	3.45B	5.13B	7.03B
Minority Interest	-697M	-929M	-956M	-929M	-1.03B
Net Income - (IS)	5.64B	2.02B	2.49B	4.2B	6B
Preferred Dividend and Other Adjustments	590M	596M	758M	720M	720M
Net Income to Common Incl Extra Items	5.05B	1.42B	1.74B	3.48B	5.28B
Net Income to Common Excl. Extra Items	5.05B	1.42B	1.74B	3.48B	5.28B
Per Share Items
Net EPS - Basic	5.97	1.73	2.17	4.38	6.8
Basic EPS - Continuing Operations	5.97	1.73	2.17	4.38	6.8
Basic Weighted Average Shares Outstanding	846M	822M	799M	795M	776M
Net EPS - Diluted	5.97	1.73	2.17	4.38	6.8
Diluted EPS - Continuing Operations	5.97	1.73	2.17	4.38	6.8
Diluted Weighted Average Shares Outstanding	846M	822M	799M	795M	776M
Normalized Basic EPS	5.19	2.3	3.08	4.18	5.48
Normalized Diluted EPS	5.19	2.3	3.08	4.18	5.48
Dividend Per Share	1.65	1.7	0.9	1.09	1.61
Payout Ratio	8.3	67.94	54.63	17.12	21.91
American Depositary Receipts Ratio (ADR)	0.2	0.2	0.2	0.2	0.2
Supplemental Items
Effective Tax Rate - (Ratio)	21.12	34.61	32.74	23.79	20.12
Current Domestic Taxes	102M	-11M	-91M	-	-
Current Foreign Taxes	1.17B	1.29B	1.56B	-	-
Total Current Taxes	1.27B	1.28B	1.47B	1.46B	1.7B
Deferred Domestic Taxes	262M	139M	139M	-	-
Deferred Foreign Taxes	166M	151M	70M	-	-
Total Deferred Taxes	428M	290M	209M	143M	73M
Normalized Net Income	4.4B	1.89B	2.46B	3.33B	4.26B
Non-Cash Pension Expense	-1M	-23M	-9M	-14M	0
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	197M	196M	-	-	-
Stock-Based Comp., Other (Total)	-	-	254M	243M	385M
Total Stock-Based Compensation	197M	196M	254M	243M	385M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	207B	240B	263B	246B	178B
Investment Securities, Total	103B	228B	438B	427B	474B
Trading Asset Securities, Total	337B	221B	218B	243B	270B
Total investments	440B	448B	656B	669B	743B
Gross Loans	498B	505B	484B	469B	455B
Allowance For Loan Losses	-11.02B	-10.67B	-10.09B	-8.47B	-8.44B
Other Adjustments to Gross Loans	-1.69B	-2.23B	-2.46B	-1.88B	-1.54B
Net Loans	485B	492B	471B	459B	445B
Gross Property Plant And Equipment	45.72B	47.18B	82.21B	83.18B	83.32B
Accumulated Depreciation	-16.5B	-16.99B	-25.8B	-25.88B	-26.66B
Net Property Plant And Equipment	29.22B	30.2B	56.41B	57.31B	56.66B
Goodwill	3.74B	3.78B	4.95B	5.09B	5.08B
Other Intangibles, Total	2.73B	2.88B	3.56B	3.39B	3.17B
Investment in Real Estate	12M	11M	742M	709M	671M
Accrued Interest Receivable	3.98B	4.7B	5.23B	4.99B	3.28B
Other Receivables	11.15B	11.85B	14.81B	15.14B	17.77B
Other Current Assets, Total	92.86B	83.68B	69.42B	102B	80.79B
Deferred Tax Assets Long-Term (Collected)	3.83B	3.88B	3.69B	3.39B	3.32B
Other Long-Term Assets, Total	185B	165B	4.55B	6.74B	9.51B
Total Assets	1,464B	1,487B	1,554B	1,574B	1,547B
Liabilities
Accrued Expenses, Total	2.75B	2.61B	2.57B	2.82B	3.34B
Interest Bearing Deposits	316B	347B	369B	339B	333B
Non-Interest Bearing Deposits	322B	307B	275B	275B	277B
Total Deposits	638B	654B	644B	614B	609B
Short-Term Borrowings	130B	119B	115B	132B	128B
Current Portion of Long-Term Debt	115B	66.55B	73.95B	77.28B	70.23B
Long-Term Debt	41.76B	89B	111B	113B	103B
Long-Term Leases	2.32B	2.1B	2.06B	2B	1.97B
Current Income Taxes Payable	760M	735M	933M	929M	1.3B
Accrued Interest Payable	308M	1.18B	3.3B	2.09B	2.31B
Unearned Revenue, Current	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	162B	178B	206B	223B	8.88B
Unearned Revenue Non Current	1.69B	1.3B	1.64B	1.56B	1.62B
Pension & Other Post Retirement Benefits	2.3B	2B	2.07B	1.94B	1.91B
Deferred Tax Liability Non-Current	741M	831M	1.43B	1.26B	1.26B
Other Non Current Liabilities	296B	296B	313B	323B	534B
Total Liabilities	1,394B	1,414B	1,478B	1,494B	1,467B
Common Stock, Total	1.07B	1.06B	1B	1B	959M
Additional Paid In Capital	21.51B	21.38B	20.41B	20.39B	19B
Retained Earnings	36.27B	36.28B	35.38B	38.06B	41.86B
Treasury Stock	-667M	-1.19B	-230M	-111M	-722M
Comprehensive Income and Other	6.88B	8.92B	9.4B	10.91B	9.04B
Total Common Equity	65.07B	66.45B	65.98B	70.26B	70.14B
Minority Interest	5.8B	6.33B	10.27B	9.33B	9.38B
Total Equity	70.86B	72.78B	76.25B	79.59B	79.53B
Total Liabilities And Equity	1,464B	1,487B	1,554B	1,574B	1,547B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	831M	800M	799M	796M	755M
ECS Total Common Shares Outstanding	831M	800M	799M	796M	755M
Book Value / Share	78.29	83.08	82.62	88.21	92.92
Tangible Book Value	58.59B	59.79B	57.46B	61.78B	61.89B
Tangible Book Value Per Share	70.5	74.75	71.96	77.56	81.99
Tangible Book Value Per Share (As Reported)	61.1	62.3	62.7	66.1	71.4
Total Debt	289B	277B	303B	324B	303B
Debt Equivalent of Unfunded Proj. Benefit Obligation	306M	114M	100M	-144M	-57M
Net Debt	-293B	-350B	-384B	-343B	-327B
Equity Method Investments, Total	95M	146M	227M	398M	433M
Full Time Employees	124K	115K	124K	110K	102K
Part Time Employees	-	-	-	8.92K	8.62K
Assets on Operating Lease - Gross	31.08B	32.93B	67.41B	69.23B	69.45B
Assets on Operating Lease - Accumulated Depreciation	-8.51B	-8.86B	-16.98B	-17.47B	-18.12B

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	5.64B	2.02B	2.49B	4.2B	6B
Depreciation, Depletion & Amortization	4.82B	4.72B	7B	9.36B	9.63B
Amortization of Goodwill and Intangible Assets - (CF)	629M	637M	714M	722M	855M
Total Depreciation, Depletion & Amortization	5.44B	5.36B	7.71B	10.09B	10.49B
(Gain) Loss On Sale of Asset - (CF)	-41M	-18M	-101M	-139M	-220M
Total Asset Writedown	114M	-	-	-	-
(Income) Loss On Equity Investments - (CF)	-6M	-15M	-24M	-21M	-18M
Change in Trading Asset Securities	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	5.1B	19.1B	21.78B	-26.5B	-39.95B
Other Operating Activities	4.04B	12.65B	5.57B	2.28B	4.05B
Cash from Operations	20.29B	39.09B	37.42B	-10.1B	-19.65B
Capital Expenditure	-6.47B	-9.59B	-11.87B	-11.43B	-9.36B
Investment in Marketable and Equity Securities, Total	-3.65B	582M	-206M	-2.31B	-19.08B
Cash from Investing	-10.12B	-9.01B	-12.07B	-13.74B	-28.44B
Issuance of Common Stock	-	779M	2.49B	154M	-
Repurchase of Common Stock	-2.89B	-590M	-899M	-	-3.07B
Common Dividends Paid	-468M	-1.37B	-1.36B	-719M	-1.32B
Common & Preferred Stock Dividends Paid	-468M	-1.37B	-1.36B	-719M	-1.32B
Other Financing Activities, Total	-266M	968M	-4.13B	-708M	-4.17B
Cash from Financing	-3.63B	-214M	-3.9B	-1.27B	-8.56B
Foreign Exchange Rate Adjustments	2.15B	2.35B	-2.32B	2.24B	-9.15B
Miscellaneous Cash Flow Adjustments	-	-	-	-	1M
Net Change in Cash	8.7B	32.22B	19.13B	-22.88B	-65.79B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.44	0.2	0.23	0.33	0.45
Return On Equity %	9.19	4.1	4.61	6.58	8.84
Return on Common Equity	7.97	2.16	2.61	5.11	7.52
Shareholders Value Added	-1.34B	-5.24B	-4.77B	-3.25B	-1.57B
Margin Analysis
SG&A Margin	45.61	51.91	8.82	8.56	7.99
Net Interest Income / Total Revenues %	41.67	48.95	42.82	39.16	39.06
EBT Excl. Non-Recurring Items Margin %	31.68	19.55	22.7	26.95	32.81
Income From Continuing Operations Margin %	24.64	12.78	14.32	20.31	27.28
Net Income Margin %	21.93	8.75	10.35	16.63	23.28
Net Avail. For Common Margin %	19.64	6.17	7.21	13.78	20.49
Normalized Net Income Margin	17.09	8.19	10.22	13.17	16.51
Asset quality
Nonperforming Loans / Total Loans %	3.27	3.1	3.25	2.99	3.04
Nonperforming Loans / Total Assets %	1.11	1.06	1.01	0.89	0.89
Nonperforming Assets / Total Assets %	1.11	1.06	1.01	0.89	0.89
NPAs / Loans and OREO	3.27	3.1	3.25	2.99	3.04
NPAs / Equity	22.95	21.55	20.61	17.61	17.4
Allowance for Credit Losses / Net Charge-offs %	755.56	727.04	764.04	483.78	781.76
Allowance for Credit Losses / Nonperforming Loans %	67.74	68.04	64.24	60.44	61
Allowance for Credit Losses / Total Loans %	2.21	2.11	2.09	1.8	1.86
Provision for Loan Losses / Net Charge-offs %	48.01	112.19	77.59	87.38	136.76
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.36	4.46	4.37	4.36	4.5
Total Average Equity / Total Average Assets %	4.74	4.87	4.92	4.98	5.1
Total Equity + Allowance for Loan Losses / Total Loans %	15.28	15.26	15.72	16.77	17.29
Gross Loans / Total Deposits %	78.06	77.27	75.08	76.48	74.6
Net Loans / Total Deposits %	76.06	75.3	73.13	74.79	72.96
Tier 1 Capital Ratio %	15.94	16.29	15.56	16.06	16.01
Total Capital Ratio %	18.85	19.34	18.22	18.93	18.57
Core Tier 1 Capital Ratio	13.71	13.49	13.15	13.29	13.51
Tier 2 Capital Ratio	2.91	3.05	2.66	2.87	2.55
Coverage Ratio	67.74	68.04	64.24	60.44	61
Interbank Ratio	40.22	50.31	66.08	84.27	73.5
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.81	1.26	1.12	1.15	1.26
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	2.34	5.3	-19.71	-4.05	1.79
Non Interest Income, 1 Yr. Growth %	34.91	-14.57	3.35	14.21	1.71
Provision For Loan Losses, 1 Yr. Growth %	-78.7	135.29	-37.77	49.27	-3.46
Total Revenues, 1 Yr. Growth %	36.62	-10.37	-5.6	4.9	2.05
Earnings From Cont. Operations, 1 Yr. Growth %	3.13K	-53.5	25.15	48.71	37.1
Net Income, 1 Yr. Growth %	-2.29K	-64.23	36.6	68.47	42.9
Normalized Net Income, 1 Yr. Growth %	352.16	-57.06	43.17	31.42	28.07
Diluted EPS Before Extra, 1 Yr. Growth %	-684.07	-71.03	45.21	101.68	55.38
Dividend Per Share, 1 Yr. Growth %	200	3.03	-47.06	21.11	47.71
Gross Loans, 1 Yr. Growth %	10.46	1.51	-4.27	-5.51	1.25
Allowance For Loan Losses, 1 Yr. Growth %	-5.3	-3.11	-5.43	-16.07	-0.33
Net Loans, 1 Yr. Growth %	10.99	1.51	-4.31	-5.19	1.37
Non Performing Loans, 1 Yr. Growth %	-3.25	-3.53	0.15	-10.79	-1.26
Non Performing Assets, 1 Yr. Growth %	-3.25	-3.53	0.15	-10.79	-1.26
Total Assets, 1 Yr. Growth %	1.39	1.53	4.66	1.25	-1.71
Total Deposits, 1 Yr Growth %	9.54	2.54	-1.45	-4.75	-0.72
Tangible Book Value, 1 Yr. Growth %	6.18	2.04	-4.73	7.51	0.19
Common Equity, 1 Yr. Growth %	5.44	2.13	-1.49	6.49	-0.16
Total Equity, 1 Yr. Growth %	5.75	2.71	3.98	4.38	-0.08
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.11	3.81	-1.92	-12.23	-1.18
Non Interest Income, 2 Yr. CAGR %	7.91	7.36	-2.94	8.65	7.78
Provision For Loan Losses, 2 Yr. CAGR %	-25.46	-29.2	21.01	-3.62	20.04
Total Revenues, 2 Yr. CAGR %	4.82	10.66	-3.25	-0.49	3.47
Earnings From Cont. Operations, 2 Yr. CAGR %	26.74	287.76	-26.23	36.42	42.79
Net Income, 2 Yr. CAGR %	31.79	179.67	-33.52	51.7	55.16
Normalized Net Income, 2 Yr. CAGR %	25.06	39.35	-25.19	39.11	29.7
Diluted EPS Before Extra, 2 Yr. CAGR %	39.89	30.08	-39.7	71.13	77.02
Dividend Per Share, 2 Yr. CAGR %	-	75.81	-26.15	-19.93	33.75
Gross Loans, 2 Yr. CAGR %	6.2	5.89	-1.41	-3.63	-4.34
Allowance For Loan Losses, 2 Yr. CAGR %	1.22	-4.21	-4.28	-10.91	-8.54
Net Loans, 2 Yr. CAGR %	6.48	6.15	-1.43	-3.45	-4.18
Non Performing Loans, 2 Yr. CAGR %	0.89	-3.39	-1.71	-5.48	-6.14
Non Performing Assets, 2 Yr. CAGR %	0.89	-3.39	-1.71	-5.48	-6.14
Total Assets, 2 Yr. CAGR %	3.9	1.46	3.01	2.94	-0.24
Total Deposits, 2 Yr CAGR %	12.1	5.98	0.52	-3.12	-2.76
Tangible Book Value, 2 Yr. CAGR %	1.8	4.09	-0.97	1.2	3.78
Common Equity, 2 Yr. CAGR %	1.2	3.77	0.7	2.42	3.11
Total Equity, 2 Yr. CAGR %	1.66	4.22	3.73	4.18	2.13
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-0.92	0.3	-0.52	-2.64	-7.79
Non Interest Income, 3 Yr. CAGR %	3.45	-0.17	8.32	2.47	6.28
Provision For Loan Losses, 3 Yr. CAGR %	-11.36	9.34	-32.18	29.78	-3.57
Total Revenues, 3 Yr. CAGR %	2.05	-0.51	8.55	-0.6	0.35
Earnings From Cont. Operations, 3 Yr. CAGR %	9.61	-9.27	160.1	-6.81	36.65
Net Income, 3 Yr. CAGR %	11.03	-14.67	112.99	-9.36	48.71
Normalized Net Income, 3 Yr. CAGR %	10.05	-12.42	36.27	-8.88	35.3
Diluted EPS Before Extra, 3 Yr. CAGR %	12.07	-17.24	28.53	-9.83	65.71
Dividend Per Share, 3 Yr. CAGR %	-9.14	-	17.84	-12.91	-1.8
Gross Loans, 3 Yr. CAGR %	4.82	4.61	2.4	-1.93	-3.47
Allowance For Loan Losses, 3 Yr. CAGR %	-1.33	-0.24	-4.62	-8.38	-7.52
Net Loans, 3 Yr. CAGR %	5.04	4.8	2.55	-1.82	-3.35
Non Performing Loans, 3 Yr. CAGR %	-3	-0.61	-2.22	-4.83	-4.09
Non Performing Assets, 3 Yr. CAGR %	-3	-0.61	-2.22	-4.83	-4.09
Total Assets, 3 Yr. CAGR %	3.8	3.1	2.47	2.42	1.37
Total Deposits, 3 Yr CAGR %	9.32	8.82	3.44	-1.26	-2.32
Tangible Book Value, 3 Yr. CAGR %	2.65	1.88	1.36	1.78	0.86
Common Equity, 3 Yr. CAGR %	2.16	1.51	2.25	2.59	1.56
Total Equity, 3 Yr. CAGR %	2.5	2.01	4.4	3.95	2.74
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.51	1.62	-1.32	-2.43	-0.78
Non Interest Income, 5 Yr. CAGR %	-1.04	-2.06	0.84	4.61	8.1
Provision For Loan Losses, 5 Yr. CAGR %	-16.66	11.66	0.39	3.96	-14.78
Total Revenues, 5 Yr. CAGR %	1.17	-1.09	-0.1	1.53	6.49
Earnings From Cont. Operations, 5 Yr. CAGR %	7.88	-2.99	-6.45	5.38	104.63
Net Income, 5 Yr. CAGR %	7.81	-6.38	-9.56	5.28	87.64
Normalized Net Income, 5 Yr. CAGR %	3.47	-11.3	-5.7	3.42	34.35
Diluted EPS Before Extra, 5 Yr. CAGR %	6.98	-9.95	-12.54	7.49	46.09
Dividend Per Share, 5 Yr. CAGR %	-5.59	-5.03	-16.37	-	23.96
Gross Loans, 5 Yr. CAGR %	3.51	4.26	2.28	1.24	0.17
Allowance For Loan Losses, 5 Yr. CAGR %	-5.8	-4.43	-2.52	-4.66	-6.21
Net Loans, 5 Yr. CAGR %	3.85	4.54	2.4	1.42	0.34
Non Performing Loans, 5 Yr. CAGR %	-7.41	-5.27	-2.49	-2.58	-3.81
Non Performing Assets, 5 Yr. CAGR %	-7.41	-5.27	-2.49	-2.58	-3.81
Total Assets, 5 Yr. CAGR %	1.57	3.13	3.48	3.01	1.38
Total Deposits, 5 Yr CAGR %	6.11	6.56	5.72	3.88	0.92
Tangible Book Value, 5 Yr. CAGR %	1.02	2.27	1.19	1.79	2.32
Common Equity, 5 Yr. CAGR %	0.99	2.61	1.57	2.03	2.6
Total Equity, 5 Yr. CAGR %	1.52	2.94	2.99	3.02	3.48