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Société Générale (GLE) investor relations material
Société Générale Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net income for the first nine months of 2025 reached €4.6bn, up 45% year-over-year, with ROTE at 10.5%, surpassing the annual target of ~9%.
Revenues rose 6.7% year-over-year to €20.5bn, excluding asset disposals, driven by strong commercial activity and cost discipline.
Cost/income ratio improved to 63.3% for the nine months and 61% in Q3, both below the sub-65% annual target.
CET1 ratio increased to 13.7% at September 2025, 340bps above regulatory requirements, even after a €1bn share buyback.
€1bn share buyback completed, with continued business simplification through subsidiary disposals.
Financial highlights
Q3 2025 net income was €1.5bn, up 11.3% year-over-year, with a quarterly ROTE of 10.7%.
Q3 revenues grew 3% year-over-year excluding disposals, and 7.7% when also excluding last year’s exceptional Russia-related income.
Operating expenses fell 2.2% year-over-year for the nine months, excluding asset disposals.
Cost of risk remained contained at 25bps for the nine months, within guidance.
Liquidity reserves stood at €328bn, with LCR at 147% and NSFR at 117%.
Outlook and guidance
Management reaffirmed confidence in outperforming 2025 targets, with revenue growth >3%, cost/income ratio <65%, ROTE ~9%, and CET1 >13%.
2026 targets include cost/income ratio <60%, ROTE 9-10%, and CET1 at 13%.
Cost of risk expected to remain within 25–30bps for the year.
Revenue impact of asset disposals?
Global Markets performance drivers in Q3?
Ayvens' evolving profitability drivers?
Future buyback cadence and tax impact?
BoursoBank: balance growth vs. profitability?
Medium-term cost/income ratio aspiration?
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Frequently asked questions
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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