Société Générale
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Société Générale (GLE) investor relations material

Société Générale Q4 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q4 2025 earnings summary6 Feb, 2026

Executive summary

  • Achieved record revenues of €27.3bn in 2025, up 6.8% year-over-year, with group net income reaching €6bn, both surpassing all targets and supported by all business lines.

  • Cost-to-income ratio improved to 63.6% in 2025, with a 2% reduction in costs versus 2024 and strict cost management.

  • ROTE reached 10.2% in 2025, up from 6.9% in 2024.

  • Total shareholder distribution for 2025 was €4.7bn, up 169% from 2024, including €2bn in extraordinary share buy-backs.

  • Upgraded 2026 profitability target and confirmed all other CMD targets, reflecting strong transformation and operational execution.

Financial highlights

  • Revenues grew by 6.8% year-over-year to €27.3bn, with net income up 43% to €6bn and ROTE at 10.2%.

  • Cost of risk at 26bps for 2025, within guidance; NPL ratio stable at 2.8%.

  • Operating expenses down 2% year-over-year; cost-to-income ratio at 63.6%.

  • Liquidity reserves at €318bn; LCR at 144%, NSFR at 116%.

  • Earnings per share rose to €6.80 in 2025 from €4.38 in 2024.

Outlook and guidance

  • 2026 targets: revenue growth above 2%, net cost decrease of ~3%, cost-to-income below 60%, cost of risk 25-30bps, ROTE above 10%.

  • Organic RWA growth target for 2026 set at ~2%.

  • Global Markets revenues expected above €5.7bn in 2026, with base case to exceed guidance.

  • BoursoBank net income targeted above €300m in 2026.

  • Continued focus on strict cost discipline and capital allocation to most profitable businesses.

Future capital increase dilution offset
Drivers for upgraded 2026 ROTE target
BoursoBank's growth strategy beyond 2026
BoursoBank: sustain EUR300M+ profit beyond 2026?
Global Markets: footprint rebalancing impact on growth?
Ayvens: RWA growth despite normalizing UCS, EV risk?
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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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