Cash flow Société Générale

Equities

GLE

FR0000130809

Banks

Market Closed - Euronext Paris Other stock markets 11:55:00 2025-12-05 am EST			5-day change	1st Jan Change
61.54 ^EUR	-1.54%		+2.67%	+126.58%

Dec. 05	Cogelec: Simplified Public Tender Offer Open from December 8 to 19
Dec. 05	Simplified Takeover Bid for Cogelec Opens on December 8

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Published financial data: SOCIÉTÉ GÉNÉRALE

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	20.72B	20.59B	28.84B	53.09B	55.02B
Interest Income, Total	20.72B	20.59B	28.84B	53.09B	55.02B
Interest On Deposits	10.25B	9.87B	17.55B	42.78B	45.13B
Interest Expense, Total	10.25B	9.87B	17.55B	42.78B	45.13B
Net Interest Income	10.47B	10.72B	11.29B	10.31B	9.89B
Gain (Loss) on Sale of Assets	-	624M	-3.36B	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-
Total Other Non Interest Income	11.64B	15.08B	16.77B	14.79B	16.9B
Non Interest Income, Total	11.64B	15.7B	13.42B	14.79B	16.9B
Revenues Before Provison For Loan Losses	22.11B	26.42B	24.7B	25.1B	26.79B
Provision For Loan Losses	3.29B	700M	1.65B	1.02B	1.53B
Total Revenues	18.83B	25.72B	23.06B	24.08B	25.26B
Salaries And Other Employee Benefits	8.97B	9.57B	9.86B	-	-
Stock-Based Compensation (IS)	-	-	-	254M	243M
Occupancy Expense	1.6B	1.64B	1.57B	1.68B	1.65B
Selling General & Admin Expenses, Total	4.89B	520M	544M	449M	510M
(Income) Loss on Equity Invest.	-3M	-6M	-15M	-24M	-21M
Total Other Non Interest Expense	905M	5.85B	6.59B	16.26B	16.07B
Non Interest Expense, Total	16.37B	17.57B	18.55B	18.61B	18.45B
EBT, Excl. Unusual Items	2.46B	8.15B	4.51B	5.47B	6.81B
Restructuring Charges	-373M	-	-	-	-
Impairment of Goodwill	-684M	-114M	-	-338M	-
Asset Writedown	-	-	-	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-	-77M
EBT, Incl. Unusual Items	1.4B	8.04B	4.51B	5.13B	6.73B
Income Tax Expense	1.2B	1.7B	1.56B	1.68B	1.6B
Earnings From Continuing Operations	196M	6.34B	2.95B	3.45B	5.13B
Net Income to Company	196M	6.34B	2.95B	3.45B	5.13B
Minority Interest	-454M	-697M	-929M	-956M	-929M
Net Income - (IS)	-258M	5.64B	2.02B	2.49B	4.2B
Preferred Dividend and Other Adjustments	611M	590M	596M	758M	720M
Net Income to Common Incl Extra Items	-869M	5.05B	1.42B	1.74B	3.48B
Net Income to Common Excl. Extra Items	-869M	5.05B	1.42B	1.74B	3.48B
Per Share Items
Net EPS - Basic	-1.02	5.97	1.73	2.17	4.38
Basic EPS - Continuing Operations	-1.02	5.97	1.73	2.17	4.38
Basic Weighted Average Shares Outstanding	850M	846M	822M	799M	795M
Net EPS - Diluted	-1.02	5.97	1.73	2.17	4.38
Diluted EPS - Continuing Operations	-1.02	5.97	1.73	2.17	4.38
Diluted Weighted Average Shares Outstanding	850M	846M	822M	799M	795M
Normalized Basic EPS	1.27	5.19	2.3	3.08	4.18
Normalized Diluted EPS	1.27	5.19	2.3	3.08	4.18
Dividend Per Share	0.55	1.65	1.7	0.9	1.09
Payout Ratio	-	8.3	67.94	54.63	17.12
American Depositary Receipts Ratio (ADR)	0.2	0.2	0.2	0.2	0.2
Supplemental Items
Effective Tax Rate - (Ratio)	86	21.12	34.61	32.74	23.79
Current Domestic Taxes	-136M	102M	-11M	-91M	-
Current Foreign Taxes	848M	1.17B	1.29B	1.56B	-
Total Current Taxes	712M	1.27B	1.28B	1.47B	1.46B
Deferred Domestic Taxes	518M	262M	139M	139M	-
Deferred Foreign Taxes	-25M	166M	151M	70M	-
Total Deferred Taxes	493M	428M	290M	209M	143M
Normalized Net Income	1.08B	4.4B	1.89B	2.46B	3.33B
Non-Cash Pension Expense	-13M	-1M	-23M	-9M	-14M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	150M	197M	196M	-	-
Stock-Based Comp., Other (Total)	-	-	-	254M	243M
Total Stock-Based Compensation	150M	197M	196M	254M	243M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	194B	207B	240B	263B	246B
Investment Securities, Total	106B	103B	228B	438B	427B
Trading Asset Securities, Total	435B	337B	221B	218B	243B
Total investments	542B	440B	448B	656B	669B
Gross Loans	451B	498B	505B	484B	469B
Allowance For Loan Losses	-11.63B	-11.02B	-10.67B	-10.09B	-8.47B
Other Adjustments to Gross Loans	-1.99B	-1.69B	-2.23B	-2.46B	-1.88B
Net Loans	437B	485B	492B	471B	459B
Gross Property Plant And Equipment	42.91B	45.72B	47.18B	82.21B	83.18B
Accumulated Depreciation	-15.32B	-16.5B	-16.99B	-25.8B	-25.88B
Net Property Plant And Equipment	27.59B	29.22B	30.2B	56.41B	57.31B
Goodwill	4.04B	3.74B	3.78B	4.95B	5.09B
Other Intangibles, Total	2.48B	2.73B	2.88B	3.56B	3.39B
Investment in Real Estate	12M	12M	11M	742M	709M
Accrued Interest Receivable	3.74B	3.98B	4.7B	5.23B	4.99B
Other Receivables	11.65B	11.15B	11.85B	14.81B	15.14B
Other Current Assets, Total	63.78B	92.86B	83.68B	69.42B	102B
Deferred Tax Assets Long-Term (Collected)	4.11B	3.83B	3.88B	3.69B	3.39B
Other Long-Term Assets, Total	172B	185B	165B	4.55B	6.74B
Total Assets	1,462B	1,464B	1,487B	1,554B	1,574B
Liabilities
Accounts Payable, Total	-	-	-	-	-
Accrued Expenses, Total	2.02B	2.75B	2.61B	2.57B	2.82B
Interest Bearing Deposits	299B	316B	347B	369B	339B
Non-Interest Bearing Deposits	283B	322B	307B	275B	275B
Total Deposits	582B	638B	654B	644B	614B
Short-Term Borrowings	188B	130B	119B	115B	132B
Current Portion of Long-Term Debt	72.48B	115B	66.55B	73.95B	77.28B
Long-Term Debt	83.84B	41.76B	89B	111B	113B
Long-Term Leases	2.21B	2.32B	2.1B	2.06B	2B
Current Income Taxes Payable	440M	760M	735M	933M	929M
Accrued Interest Payable	360M	308M	1.18B	3.3B	2.09B
Unearned Revenue, Current	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	191B	162B	178B	206B	223B
Unearned Revenue Non Current	1.53B	1.69B	1.3B	1.64B	1.56B
Pension & Other Post Retirement Benefits	2.58B	2.3B	2B	2.07B	1.94B
Deferred Tax Liability Non-Current	693M	741M	831M	1.43B	1.26B
Other Non Current Liabilities	268B	296B	296B	313B	323B
Total Liabilities	1,395B	1,394B	1,414B	1,478B	1,494B
Common Stock, Total	1.07B	1.07B	1.06B	1B	1B
Additional Paid In Capital	21.46B	21.51B	21.38B	20.41B	20.39B
Retained Earnings	31.82B	36.27B	36.28B	35.38B	38.06B
Treasury Stock	-199M	-667M	-1.19B	-230M	-111M
Comprehensive Income and Other	7.53B	6.88B	8.92B	9.4B	10.91B
Total Common Equity	61.68B	65.07B	66.45B	65.98B	70.26B
Minority Interest	5.3B	5.8B	6.33B	10.27B	9.33B
Total Equity	66.98B	70.86B	72.78B	76.25B	79.59B
Total Liabilities And Equity	1,462B	1,464B	1,487B	1,554B	1,574B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	849M	831M	800M	799M	796M
ECS Total Common Shares Outstanding	849M	831M	800M	799M	796M
Book Value / Share	72.68	78.29	83.08	82.62	88.21
Tangible Book Value	55.16B	58.59B	59.79B	57.46B	61.78B
Tangible Book Value Per Share	64.99	70.5	74.75	71.96	77.56
Tangible Book Value Per Share (As Reported)	54.8	61.1	62.3	62.7	66.1
Total Debt	346B	289B	277B	303B	324B
Debt Equivalent of Unfunded Proj. Benefit Obligation	557M	306M	114M	100M	-144M
Net Debt	-319B	-293B	-350B	-384B	-343B
Equity Method Investments, Total	100M	95M	146M	227M	398M
Full Time Employees	126K	124K	115K	124K	112K
Part Time Employees	-	-	-	-	-
Assets on Operating Lease - Gross	28.75B	31.08B	32.93B	67.41B	69.23B
Assets on Operating Lease - Accumulated Depreciation	-7.94B	-8.51B	-8.86B	-16.98B	-17.47B

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	-258M	5.64B	2.02B	2.49B	4.2B
Depreciation, Depletion & Amortization	4.72B	4.82B	4.72B	7B	9.36B
Amortization of Goodwill and Intangible Assets - (CF)	540M	629M	637M	714M	722M
Total Depreciation, Depletion & Amortization	5.26B	5.44B	5.36B	7.71B	10.09B
(Gain) Loss On Sale of Asset - (CF)	-74M	-41M	-18M	-101M	-139M
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	-
Total Asset Writedown	684M	114M	-	-	-
(Income) Loss On Equity Investments - (CF)	-3M	-6M	-15M	-24M	-21M
Change in Trading Asset Securities	6.08B	-	-	-	-
Changes in Accrued Interest Receivable	-	-	-	-	-
Change in Unearned Revenues	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	67.66B	5.1B	19.1B	21.78B	-26.5B
Other Operating Activities	1.45B	4.04B	12.65B	5.57B	2.28B
Cash from Operations	80.79B	20.29B	39.09B	37.42B	-10.1B
Capital Expenditure	-5.59B	-6.47B	-9.59B	-11.87B	-11.43B
Investment in Marketable and Equity Securities, Total	-1.28B	-3.65B	582M	-206M	-2.31B
Cash from Investing	-6.86B	-10.12B	-9.01B	-12.07B	-13.74B
Issuance of Common Stock	259M	-	779M	2.49B	-
Repurchase of Common Stock	-466M	-2.89B	-590M	-899M	-22M
Common Dividends Paid	-	-468M	-1.37B	-1.36B	-719M
Common & Preferred Stock Dividends Paid	-	-468M	-1.37B	-1.36B	-719M
Other Financing Activities, Total	2.34B	-266M	968M	-4.13B	-532M
Cash from Financing	2.13B	-3.63B	-214M	-3.9B	-1.27B
Foreign Exchange Rate Adjustments	-2.6B	2.15B	2.35B	-2.32B	2.24B
Net Change in Cash	73.46B	8.7B	32.22B	19.13B	-22.88B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.01	0.44	0.2	0.23	0.33
Return On Equity %	0.29	9.19	4.1	4.61	6.58
Return on Common Equity	-1.39	7.97	2.16	2.61	5.11
Shareholders Value Added	-7B	-1.34B	-5.24B	-4.77B	-3.25B
Margin Analysis
SG&A Margin	82.16	45.61	51.91	8.82	8.56
Net Interest Income / Total Revenues %	55.63	41.67	48.95	42.82	39.16
EBT Excl. Non-Recurring Items Margin %	13.05	31.68	19.55	22.7	26.95
Income From Continuing Operations Margin %	1.04	24.64	12.78	14.32	20.31
Net Income Margin %	-1.37	21.93	8.75	10.35	16.63
Net Avail. For Common Margin %	-4.62	19.64	6.17	7.21	13.78
Normalized Net Income Margin	5.74	17.09	8.19	10.22	13.17
Asset quality
Nonperforming Loans / Total Loans %	3.73	3.27	3.1	3.25	2.99
Nonperforming Loans / Total Assets %	1.15	1.11	1.06	1.01	0.89
Nonperforming Assets / Total Assets %	1.15	1.11	1.06	1.01	0.89
NPAs / Loans and OREO	3.73	3.27	3.1	3.25	2.99
NPAs / Equity	25.09	22.95	21.55	20.61	17.61
Allowance for Credit Losses / Net Charge-offs %	636.32	755.56	727.04	764.04	483.78
Allowance for Credit Losses / Nonperforming Loans %	69.21	67.74	68.04	64.24	60.44
Allowance for Credit Losses / Total Loans %	2.58	2.21	2.11	2.09	1.8
Provision for Loan Losses / Net Charge-offs %	179.76	48.01	112.19	77.59	87.38
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.44	4.36	4.46	4.37	4.36
Total Average Equity / Total Average Assets %	4.81	4.74	4.87	4.92	4.98
Total Equity + Allowance for Loan Losses / Total Loans %	16.27	15.28	15.26	15.72	16.77
Gross Loans / Total Deposits %	77.4	78.06	77.27	75.08	76.48
Net Loans / Total Deposits %	75.06	76.06	75.3	73.13	74.79
Tier 1 Capital Ratio %	16	15.94	16.29	15.56	16.06
Total Capital Ratio %	19.2	18.85	19.34	18.22	18.93
Core Tier 1 Capital Ratio	13.4	13.71	13.49	13.15	13.29
Tier 2 Capital Ratio	3.24	2.91	3.05	2.66	2.87
Coverage Ratio	69.21	67.74	68.04	64.24	60.44
Interbank Ratio	39.37	40.22	50.31	66.08	84.27
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.14	1.81	1.26	1.12	1.15
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-6.37	2.34	5.3	-19.71	-4.05
Non Interest Income, 1 Yr. Growth %	-13.69	34.91	-14.57	3.35	14.21
Provision For Loan Losses, 1 Yr. Growth %	160.79	-78.7	135.29	-37.77	49.27
Total Revenues, 1 Yr. Growth %	-19.58	36.62	-10.37	-5.6	4.9
Earnings From Cont. Operations, 1 Yr. Growth %	-95.03	3.13K	-53.5	25.15	48.71
Net Income, 1 Yr. Growth %	-107.94	-2.29K	-64.23	36.6	68.47
Normalized Net Income, 1 Yr. Growth %	-61.52	352.16	-57.06	43.17	31.42
Diluted EPS Before Extra, 1 Yr. Growth %	-133.5	-684.07	-71.03	45.21	101.68
Dividend Per Share, 1 Yr. Growth %	-	200	3.03	-47.06	21.11
Gross Loans, 1 Yr. Growth %	2.11	10.46	1.51	-4.27	-5.51
Allowance For Loan Losses, 1 Yr. Growth %	8.19	-5.3	-3.11	-5.43	-16.07
Net Loans, 1 Yr. Growth %	2.15	10.99	1.51	-4.31	-5.19
Non Performing Loans, 1 Yr. Growth %	5.2	-3.25	-3.53	0.15	-10.79
Non Performing Assets, 1 Yr. Growth %	5.2	-3.25	-3.53	0.15	-10.79
Total Assets, 1 Yr. Growth %	7.77	1.39	1.53	4.66	1.25
Total Deposits, 1 Yr Growth %	14.72	9.54	2.54	-1.45	-4.75
Tangible Book Value, 1 Yr. Growth %	-2.44	6.18	2.04	-4.73	7.51
Common Equity, 1 Yr. Growth %	-2.9	5.44	2.13	-1.49	6.49
Total Equity, 1 Yr. Growth %	-2.32	5.75	2.71	3.98	4.38
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.51	-2.11	3.81	-1.92	-12.23
Non Interest Income, 2 Yr. CAGR %	-9.42	7.91	7.36	-2.94	8.65
Provision For Loan Losses, 2 Yr. CAGR %	80.82	-25.46	-29.2	21.01	-3.62
Total Revenues, 2 Yr. CAGR %	-11.8	4.82	10.66	-3.25	-0.49
Earnings From Cont. Operations, 2 Yr. CAGR %	-79.82	26.74	287.76	-26.23	36.42
Net Income, 2 Yr. CAGR %	-74.98	31.79	179.67	-33.52	51.7
Normalized Net Income, 2 Yr. CAGR %	-42.74	25.06	39.35	-25.19	39.11
Diluted EPS Before Extra, 2 Yr. CAGR %	-50.91	39.89	30.08	-39.7	71.13
Dividend Per Share, 2 Yr. CAGR %	-50	-	75.81	-26.15	-19.93
Gross Loans, 2 Yr. CAGR %	2.11	6.2	5.89	-1.41	-3.63
Allowance For Loan Losses, 2 Yr. CAGR %	0.72	1.22	-4.21	-4.28	-10.91
Net Loans, 2 Yr. CAGR %	2.19	6.48	6.15	-1.43	-3.45
Non Performing Loans, 2 Yr. CAGR %	-2.88	0.89	-3.39	-1.71	-5.48
Non Performing Assets, 2 Yr. CAGR %	-2.88	0.89	-3.39	-1.71	-5.48
Total Assets, 2 Yr. CAGR %	5.66	3.9	1.46	3.01	2.94
Total Deposits, 2 Yr CAGR %	9.22	12.1	5.98	0.52	-3.12
Tangible Book Value, 2 Yr. CAGR %	0.9	1.8	4.09	-0.97	1.2
Common Equity, 2 Yr. CAGR %	0.54	1.2	3.77	0.7	2.42
Total Equity, 2 Yr. CAGR %	0.88	1.66	4.22	3.73	4.18
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	0.18	-0.92	0.3	-0.52	-2.64
Non Interest Income, 3 Yr. CAGR %	-7.87	3.45	-0.17	8.32	2.47
Provision For Loan Losses, 3 Yr. CAGR %	51.29	-11.36	9.34	-32.18	29.78
Total Revenues, 3 Yr. CAGR %	-8.22	2.05	-0.51	8.55	-0.6
Earnings From Cont. Operations, 3 Yr. CAGR %	-61.48	9.61	-9.27	160.1	-6.81
Net Income, 3 Yr. CAGR %	-54.87	11.03	-14.67	112.99	-9.36
Normalized Net Income, 3 Yr. CAGR %	-31.99	10.05	-12.42	36.27	-8.88
Diluted EPS Before Extra, 3 Yr. CAGR %	-29.53	12.07	-17.24	28.53	-9.83
Dividend Per Share, 3 Yr. CAGR %	-37	-9.14	-	17.84	-12.91
Gross Loans, 3 Yr. CAGR %	3.19	4.82	4.61	2.4	-1.93
Allowance For Loan Losses, 3 Yr. CAGR %	-4.58	-1.33	-0.24	-4.62	-8.38
Net Loans, 3 Yr. CAGR %	3.49	5.04	4.8	2.55	-1.82
Non Performing Loans, 3 Yr. CAGR %	-6.51	-3	-0.61	-2.22	-4.83
Non Performing Assets, 3 Yr. CAGR %	-6.51	-3	-0.61	-2.22	-4.83
Total Assets, 3 Yr. CAGR %	4.69	3.8	3.1	2.47	2.42
Total Deposits, 3 Yr CAGR %	6.95	9.32	8.82	3.44	-1.26
Tangible Book Value, 3 Yr. CAGR %	1.06	2.65	1.88	1.36	1.78
Common Equity, 3 Yr. CAGR %	1.82	2.16	1.51	2.25	2.59
Total Equity, 3 Yr. CAGR %	2.09	2.5	2.01	4.4	3.95
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.39	2.51	1.62	-1.32	-2.43
Non Interest Income, 5 Yr. CAGR %	-6.93	-1.04	-2.06	0.84	4.61
Provision For Loan Losses, 5 Yr. CAGR %	5.92	-16.66	11.66	0.39	3.96
Total Revenues, 5 Yr. CAGR %	-4.35	1.17	-1.09	-0.1	1.53
Earnings From Cont. Operations, 5 Yr. CAGR %	-46.31	7.88	-2.99	-6.45	5.38
Net Income, 5 Yr. CAGR %	-42.21	7.81	-6.38	-9.56	5.28
Normalized Net Income, 5 Yr. CAGR %	-22.22	3.47	-11.3	-5.7	3.42
Diluted EPS Before Extra, 5 Yr. CAGR %	-25.62	6.98	-9.95	-12.54	7.49
Dividend Per Share, 5 Yr. CAGR %	-22.76	-5.59	-5.03	-16.37	-
Gross Loans, 5 Yr. CAGR %	2.27	3.51	4.26	2.28	1.24
Allowance For Loan Losses, 5 Yr. CAGR %	-5.46	-5.8	-4.43	-2.52	-4.66
Net Loans, 5 Yr. CAGR %	2.57	3.85	4.54	2.4	1.42
Non Performing Loans, 5 Yr. CAGR %	-7.34	-7.41	-5.27	-2.49	-2.58
Non Performing Assets, 5 Yr. CAGR %	-7.34	-7.41	-5.27	-2.49	-2.58
Total Assets, 5 Yr. CAGR %	1.84	1.57	3.13	3.48	3.01
Total Deposits, 5 Yr CAGR %	5.63	6.11	6.56	5.72	3.88
Tangible Book Value, 5 Yr. CAGR %	0.78	1.02	2.27	1.19	1.79
Common Equity, 5 Yr. CAGR %	0.88	0.99	2.61	1.57	2.03
Total Equity, 5 Yr. CAGR %	1.34	1.52	2.94	2.99	3.02