Societe Generale ( (SCGLY) ) has released its Q3 earnings. Here is a breakdown of the information Societe Generale presented to its investors.
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Societe Generale, a leading European bank, offers a wide range of financial services across retail banking, private banking, insurance, global banking, and investor solutions, with a strong focus on sustainable finance. The company reported a robust financial performance for the first nine months of 2025, with a net income of EUR 4.6 billion, marking a 45% increase compared to the same period in 2024. This growth was driven by a 6.7% rise in revenues and a significant reduction in the cost-to-income ratio to 63.3%. The bank also completed a EUR 1 billion share buy-back program and continued to simplify its business portfolio by divesting subsidiaries in Guinea Conakry and Mauritania. Key financial highlights include a return on tangible equity (ROTE) of 10.5%, exceeding the annual target, and a CET1 ratio of 13.7%, well above regulatory requirements. The bank’s strategic focus on operational efficiency and risk management has contributed to its strong financial position. Looking ahead, Societe Generale’s management remains confident in achieving its annual objectives, driven by strong client trust and team commitment, as it continues to execute its strategic roadmap with a focus on creating sustainable value.