Societe Generale

Societe Generale's npls (as % of loans) fell 1.61% to 3.87% in 3Q2019

By Helgi Analytics - November 05, 2019

Societe Generale's non-performing loans reached 3.87% of total loans at the end of 2019-09-30, down from 4.50% compared to the pr...

Societe Generale's market capitalisation (end of period) rose 10.3% to USD 23,259 mil in 3Q2019

By Helgi Analytics - November 05, 2019

Societe Generale stock traded at 25.1 per share at the end of third quarter of 2019 implying a market capitalization of USD 23,259 mi...

Societe Generale's capital adequacy ratio rose 3.35% to 18.5% in 3Q2019

By Helgi Analytics - November 05, 2019

Societe Generale's capital adequacy ratio reached 18.5% at the end of third quarter of 2019, up from 17.9% when compared to the p...

Profit Statement 2016 2017 2018
Net Interest Income EUR mil 9,927 10,919 11,019
Fee Income (As % Of Revenues) % 23.4 24.6 19.2
Other Income EUR mil 12,036 10,038 12,262
Total Revenues EUR mil 28,662 27,780 28,805
Operating Profit EUR mil 11,828 11,419 10,874
Provisions EUR mil 2,091 1,349 1,005
Net Profit EUR mil 3,874 2,806 4,121
Balance Sheet 2016 2017 2018
Interbank Loans EUR mil 82,934 182,980 222,527
Customer Loans EUR mil 403,069 404,227 421,151
Debt Securities EUR mil 658,031 327,680 315,543
Total Assets EUR mil 1,382,240 1,275,130 1,309,430
Shareholders' Equity EUR mil 65,706 64,037 65,809
Interbank Borrowing EUR mil 312,337 256,795 276,367
Customer Deposits EUR mil 397,357 394,228 399,410
Issued Debt Securities EUR mil 116,305 116,882 129,653
Ratios 2016 2017 2018
ROE % 6.04 4.33 6.35
ROA % 0.285 0.211 0.319
Costs (As % Of Assets) % 1.24 1.23 1.39
Costs (As % Of Income) % 58.7 58.9 62.2
Capital Adequacy Ratio % 17.9 17.0 16.7
Net Interest Margin % 0.731 0.822 0.853
Loans (As % Of Deposits) % 101 103 105
NPLs (As % Of Loans) % 5.73 5.02 4.16
Provisions (As % Of NPLs) % 60.1 58.2 61.7
Valuation 2016 2017 2018
Market Capitalisation (End Of Period) USD mil 39,464 41,340 25,544
Share Price (End Of Period) 46.8 43.1 27.8
Price/Earnings (P/E) 9.65 12.3 5.41
Price/Book Value (P/BV) 0.569 0.539 0.339
Dividend Yield % 4.76 5.11 7.91
Earnings Per Share (EPS) 4.85 3.50 5.14
Book Value Per Share 82.3 80.0 82.1
Dividend Per Share 2.22 2.20 2.20

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summary Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                                                              
Net Interest Income EUR mil                                                 11,626 10,489 10,431 10,028 9,927    
Total Revenues EUR mil                                                 26,903 26,257 26,353 29,194 28,662    
Operating Profit EUR mil                                                 10,485 10,211 10,462 13,579 11,828    
Net Profit EUR mil                                                 790 2,044 2,679 4,001 3,874    
balance sheet                                                              
Interbank Loans EUR mil                                                 99,781 90,565 95,235 90,813 82,934    
Customer Loans EUR mil                                                 356,409 345,247 355,841 386,121 403,069    
Debt Securities EUR mil                                                 394,802 448,261 468,847 657,831 658,031    
Total Assets EUR mil                                                 1,250,890 1,214,190 1,308,140 1,334,390 1,382,240    
Shareholders' Equity EUR mil                                                 53,551 53,970 58,874 62,675 65,706    
Interbank Borrowing EUR mil                                                 351,812 370,634 382,966 332,559 312,337    
Customer Deposits EUR mil                                                 305,153 314,148 327,764 360,178 397,357    
Issued Debt Securities EUR mil                                                 142,796 145,905 117,492 119,458 116,305    
ratios                                                              
ROE %                                                 1.51 3.80 4.75 6.58 6.04    
ROA %                                                 0.065 0.166 0.212 0.303 0.285    
Costs (As % Of Assets) %                                                 1.35 1.30 1.26 1.18 1.24    
Costs (As % Of Income) %                                                 61.0 61.1 60.3 53.5 58.7    
Capital Adequacy Ratio %                                                 12.7 13.4 14.3 16.3 17.9    
Net Interest Margin %                                                 0.956 0.851 0.827 0.759 0.731    
Interest Income (As % Of Revenues) %                                                 43.2 39.9 39.6 34.3 34.6    
Fee Income (As % Of Revenues) %                                                 25.9 23.8 24.6 22.9 23.4    
Equity (As % Of Assets) %                                                 4.28 4.44 4.50 4.70 4.75    
Loans (As % Of Deposits) %                                                 117 110 109 107 101    
Loans (As % Assets) %                                                 28.5 28.4 27.2 28.9 29.2    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ...                         6.41 6.89 6.38 6.14 5.73    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ...                         63.7 65.5 65.1 60.1 60.1    
valuation                                                              
Market Capitalisation (End Of Period) USD mil                                                 29,180 46,487 33,252 36,925 39,464    
Number Of Shares (Average) mil                                                 753 767 781 793 799    
Share Price (End Of Period)                                                 29.4 44.0 35.2 42.8 46.8    
Earnings Per Share (EPS)                                                 1.05 2.67 3.43 5.05 4.85    
Book Value Per Share                                                 71.1 70.4 75.3 79.1 82.3    
Dividend Per Share                                                 0.466 1.04 1.24 2.03 2.22    
Price/Earnings (P/E)                                                 28.0 16.5 10.3 8.48 9.65    
Price/Book Value (P/BV)                                                 0.413 0.625 0.467 0.541 0.569    
Dividend Yield % ...                                               1.59 2.37 3.52 4.75 4.76    
Earnings Per Share Growth % ...                                               -67.3 154 28.6 47.2 -3.92    
Book Value Per Share Growth % ...                                               3.29 -1.07 7.04 4.96 4.02    
income statement Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                                                              
Interest Income EUR mil                                                 30,218 27,485 24,964 26,153 25,120    
Interest Cost EUR mil                                                 18,592 16,996 14,533 16,125 15,193    
Net Interest Income EUR mil                                                 11,626 10,489 10,431 10,028 9,927    
Net Fee Income EUR mil                                                 6,977 6,240 6,475 6,678 6,699    
Other Income EUR mil                                                 8,300 9,528 9,447 12,488 12,036    
Total Revenues EUR mil                                                 26,903 26,257 26,353 29,194 28,662    
Operating Cost EUR mil                                                 16,418 16,046 15,891 15,615 16,834    
Operating Profit EUR mil                                                 10,485 10,211 10,462 13,579 11,828    
Provisions EUR mil                                                 3,935 4,050 2,967 3,065 2,091    
Extra and Other Cost EUR mil                                                 4,985 3,239 3,141 4,405 3,430    
Pre-Tax Profit EUR mil                                                 1,565 2,922 4,354 6,109 6,307    
Tax EUR mil                                                 341 528 1,376 1,714 1,969    
Minorities EUR mil                                                 434 350 299 394 464    
Net Profit EUR mil                                                 790 2,044 2,679 4,001 3,874    
Dividends EUR mil                                                 351 799 966 1,612 1,777    
growth rates                                                              
Net Interest Income Growth % ...                                               -7.93 -9.78 -0.553 -3.86 -1.01    
Net Fee Income Growth % ...                                               -2.81 -10.6 3.77 3.14 0.314    
Total Revenue Growth % ...                                               -0.775 -2.40 0.366 10.8 -1.82    
Operating Cost Growth % ...                                               -3.63 -2.27 -0.966 -1.74 7.81    
Operating Profit Growth % ...                                               4.05 -2.61 2.46 29.8 -12.9    
Pre-Tax Profit Growth % ...                                               -61.9 86.7 49.0 40.3 3.24    
Net Profit Growth % ...                                               -66.9 159 31.1 49.3 -3.17    
balance sheet Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                                                              
Cash EUR mil                                                 67,591 66,598 57,065 78,565 96,186    
Interbank Loans EUR mil                                                 99,781 90,565 95,235 90,813 82,934    
Customer Loans EUR mil                                                 356,409 345,247 355,841 386,121 403,069    
Debt Securities EUR mil                                                 394,802 448,261 468,847 657,831 658,031    
Fixed Assets EUR mil                                                 22,510 22,559 22,248 23,779 26,318    
Total Assets EUR mil                                                 1,250,890 1,214,190 1,308,140 1,334,390 1,382,240    
Shareholders' Equity EUR mil                                                 53,551 53,970 58,874 62,675 65,706    
Of Which Minority Interest EUR mil                                                 4,272 3,093 3,645 3,638 3,753    
Liabilities EUR mil                                                 1,197,340 1,160,220 1,249,260 1,271,720 1,316,540    
Interbank Borrowing EUR mil                                                 351,812 370,634 382,966 332,559 312,337    
Customer Deposits EUR mil                                                 305,153 314,148 327,764 360,178 397,357    
Sight Deposits EUR mil                                                 144,048 142,734 157,343 184,853 211,228    
Term Deposits EUR mil                                                 161,105 171,414 170,421 175,325 186,129    
Issued Debt Securities EUR mil                                                 142,796 145,905 117,492 119,458 116,305    
Other Liabilities EUR mil                                                 397,577 329,536 421,042 459,521 490,536    
asset quality                                                              
Non-Performing Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ...                         23,800 24,900 23,700 24,600 23,900    
Gross Loans EUR mil                                                 371,575 361,559 371,263 400,905 417,442    
Provisions EUR mil                                                 3,935 4,050 2,967 3,065 2,091    
growth rates                                                              
Customer Loan Growth % ...                                               -6.83 -3.13 3.07 8.51 4.39    
Total Asset Growth % ...                                               5.88 -2.93 7.74 2.01 3.59    
Shareholders' Equity Growth % ...                                               4.77 0.782 9.09 6.46 4.84    
Customer Deposit Growth % ...                                               5.55 2.95 4.33 9.89 10.3    
ratios Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ratios                                                              
ROE %                                                 1.51 3.80 4.75 6.58 6.04    
ROA %                                                 0.065 0.166 0.212 0.303 0.285    
Costs (As % Of Assets) %                                                 1.35 1.30 1.26 1.18 1.24    
Costs (As % Of Income) %                                                 61.0 61.1 60.3 53.5 58.7    
Capital Adequacy Ratio %                                                 12.7 13.4 14.3 16.3 17.9    
Tier 1 Ratio % ... ... ... ... ...                                       12.5 11.8 12.6 13.5 14.5    
Net Interest Margin %                                                 0.956 0.851 0.827 0.759 0.731    
Interest Spread % ...                                               0.887 0.788 0.773 0.700 0.675    
Asset Yield %                                                 2.48 2.23 1.98 1.98 1.85    
Cost Of Liabilities % ...                                               1.60 1.44 1.21 1.28 1.17    
Payout Ratio %                                                 76.3 86.6 76.6 75.7 75.4    
Interest Income (As % Of Revenues) %                                                 43.2 39.9 39.6 34.3 34.6    
Fee Income (As % Of Revenues) %                                                 25.9 23.8 24.6 22.9 23.4    
Other Income (As % Of Revenues) %                                                 30.9 36.3 35.8 42.8 42.0    
Equity (As % Of Assets) %                                                 4.28 4.44 4.50 4.70 4.75    
Loans (As % Of Deposits) %                                                 117 110 109 107 101    
Loans (As % Assets) %                                                 28.5 28.4 27.2 28.9 29.2    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ...                         6.41 6.89 6.38 6.14 5.73    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ...                         63.7 65.5 65.1 60.1 60.1    
Provisions (As % Of Loans) %                                                 4.26 4.72 4.33 3.83 3.57    
Cost of Provisions (As % Of Loans) %                                                 1.07 1.15 0.846 0.826 0.530    
other data Unit 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
other data                                                              
Employees                                                 154,009 147,682 148,322 145,703 145,672    
Sight (As % Of Customer Deposits) %                                                 47.2 45.4 48.0 51.3 53.2    

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Societe Generale's net profit fell 19.0% to EUR 854 mil in 3Q2019

By Helgi Analytics - November 05, 2019

Societe Generale made a net profit of EUR 854 mil under revenues of EUR 5,983 mil in the third quarter of 2019, down 34.8% and 8.38% respectively when compared to the same period last year. Historically, the bank’s net profit reached an all time high of EUR 1...

Societe Generale's price/earnings (P/E) rose 42.2% to 6.25 in 3Q2019

By Helgi Analytics - November 05, 2019

Societe Generale stock traded at 25.1 per share at the end third quarter of 2019 implying a market capitalization of USD 23,259 mil. Since the end of 3Q2014, the stock has depreciated by -37.8 % implying an annual average growth of -9.06 %. In absolute terms, the valu...

Societe Generale's equity (as % of assets) rose 0.451% to 4.86% in 3Q2019

By Helgi Analytics - November 05, 2019

Societe Generale's Equity reached 4.86% of total assets in the 3Q2019, down from 4.97% for the previous year. As a share of net customer loans, the ratio amounted to 16.1% at the end of the third quarter of 2019. ...

Societe Generale's customer loan growth rose 1.83% to 3.66% in 3Q2019

By Helgi Analytics - November 05, 2019

Societe Generale's customer loan growth reached 3.66% in 2019-09-30, down from 4.33% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 8.51% in 2015-12-31 and an all time low of -8.49% in 2014-03-31. In the l...

Societe Generale's net profit rose 46.9% to EUR 4,121 mil in 2018

By Helgi Analytics - November 05, 2019

Societe Generale made a net profit of EUR 4,121 mil under revenues of EUR 28,805 mil in 2018, up 46.9% and 3.69% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 5,221 mil in 2006 and an all time low of E...

Societe Generale's capital adequacy ratio fell 1.76% to 16.7% in 2018

By Helgi Analytics - November 05, 2019

Societe Generale's capital adequacy ratio reached 16.7% at the end of 2018, down from 17.0% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 17.9% in 2016 and an all time low of 8.87% in 2007. The Tier 1 ratio amou...

Societe Generale's npls (as % of loans) fell 17.0% to 4.16% in 2018

By Helgi Analytics - November 05, 2019

Societe Generale's non-performing loans reached 4.16% of total loans at the end of 2018, down from 5.02% compared to the previous year. Historically, the NPL ratio hit an all time high of 6.89% in 2013 and an all time low of 3.58% in 2006. Provision coverag...

Societe Generale's net interest margin rose 3.76% to 0.853% in 2018

By Helgi Analytics - November 05, 2019

Societe Generale's net interest margin amounted to 0.853% in 2018, up from 0.822% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 2.80% in 1989 and an all time low of 0.286% in 2007. The average ma...

Societe Generale's price/earnings (P/E) fell 56.0% to 5.41 in 2018

By Helgi Analytics - November 05, 2019

Societe Generale stock traded at 27.8 per share at the end 2018 implying a market capitalization of USD 25,544 mil. Since the end of 2013, the stock has depreciated by -36.7 % implying an annual average growth of -8.75 %. In absolute terms, the value of the company ...

Societe Generale's net interest income rose 0.916% to EUR 11,019 mil in 2018

By Helgi Analytics - November 05, 2019

Societe Generale generated total banking revenues of EUR 28,805 mil in 2018, up 3.69% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of EUR 29,194 mil in 2015 a...

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