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Société Générale (GLE) investor relations material
Société Générale JP Morgan European Financials Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.JP Morgan European Financials Conference summary21 Nov, 2025
Capital and distribution
Achieved 13% CET1 capital target ahead of 2026 schedule, with no plans to build additional buffers.
Extraordinary share buybacks are executed when excess capital is generated, with decisions made by the board.
Ordinary payout policy increased to 50% due to higher profitability and capital target achievement.
Interim cash dividend introduced, with flexibility in the cash/buyback split depending on circumstances.
Political risks, such as potential taxes on buybacks, are considered low but will be managed with discipline.
Profitability and cost management
Strategic plan focused on streamlining, core business retention, and cost-income improvement.
Cost-income ratio reduced from mid-70s in 2023 to around 64% in 2024, targeting 60% by 2026.
Revenue growth expected from French retail, BoursoBank, and financial advisory, with further cost reductions from restructuring and IT optimization.
Cost discipline includes attrition management, cost control towers, and IT spend reshuffling.
Commitment to cost reduction extends beyond 2026, aiming for further profitability gains.
French retail and BoursoBank
French retail net interest income (NII) and revenues are on a positive trend, supported by deposit mix stabilization and asset repricing.
No significant impact from political uncertainty on asset quality or loan demand.
Fee income provides revenue stability, with client funds growing throughout the year.
BoursoBank surpassed 8 million clients ahead of schedule, with strong client retention and lower-than-expected acquisition costs.
Focus remains on monetizing the client base and achieving €300 million net profit in 2026 while continuing client growth.
Flexibility of 50/50 cash/buyback split
Cost on RWA target beyond 2026
BoursoBank client growth strategy
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Next Société Générale earnings date
Q4 20256 Feb, 2026
Next Société Générale earnings date
Q4 20256 Feb, 2026
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Société Générale Société anonyme, together with its subsidiaries, provides financial services to individual, business, and institutional investors in Europe and internationally. The company operates in five segments: French Retail Banking-Real Estate Credit, International Retail Banking and Financial Services, Global Banking and Investor Solutions, Corporate and Investment Banking, and Asset Management & Insurance.
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