Societe Generale

Societe Generale's npls (as % of loans) fell 11.8% yoy to 3.67% in 4Q2019

By Helgi Analytics - February 13, 2020

Societe Generale's non-performing loans reached 3.67% of total loans at the end of 2019-12-31, down from 4.16% compared to the pr...

Societe Generale's capital adequacy ratio rose 9.58% yoy to 18.3% in 4Q2019

By Helgi Analytics - February 13, 2020

Societe Generale's capital adequacy ratio reached 18.3% at the end of fourth quarter of 2019, down from 18.5% when compared to th...

Societe Generale's net profit rose 4.81% yoy to EUR 654 mil in 4Q2019

By Helgi Analytics - February 13, 2020

Societe Generale made a net profit of EUR 654 mil under revenues of EUR 6,213 mil in the fourth quarter of 2019, up 4.81% and ...

Profit Statement 2017 2018 2019
Net Interest Income EUR mil 10,919 11,019 10,645
Net Fee Income EUR mil 6,823 5,524 5,257
Other Income EUR mil 10,038 8,662 8,769
Total Revenues EUR mil 27,780 25,205 24,671
Staff Cost EUR mil ... 9,561 9,955
Operating Profit EUR mil 11,419 7,274 6,944
Provisions EUR mil 1,349 1,005 1,278
Net Profit EUR mil 2,806 4,121 3,248
Balance Sheet 2017 2018 2019
Interbank Loans EUR mil 182,980 222,527 193,863
Customer Loans EUR mil 404,227 421,151 430,703
Debt Securities EUR mil 327,680 315,543 498,479
Total Assets EUR mil 1,275,130 1,309,430 1,356,300
Shareholders' Equity EUR mil 64,037 65,809 68,570
Interbank Borrowing EUR mil 256,795 276,367 263,912
Customer Deposits EUR mil 394,228 399,410 409,852
Issued Debt Securities EUR mil 116,882 129,653 139,633
Ratios 2017 2018 2019
ROE % 4.33 6.35 4.83
ROA % 0.211 0.319 0.244
Costs (As % Of Assets) % 1.23 1.39 1.33
Costs (As % Of Income) % 58.9 71.1 71.9
Capital Adequacy Ratio % 17.0 16.7 18.3
Net Interest Margin % 0.822 0.853 0.799
Loans (As % Of Deposits) % 103 105 105
NPLs (As % Of Loans) % 5.02 4.16 3.67
Provisions (As % Of NPLs) % 58.2 61.7 63.8
Valuation 2017 2018 2019
Market Capitalisation (End Of Period) USD mil 41,340 25,544 28,541
Share Price (End Of Period) EUR 43.1 27.8 31.4
Price/Earnings (P/E) 12.3 5.41 8.07
Price/Book Value (P/BV) 0.539 0.339 0.382
Dividend Yield % 5.11 7.91 ...
Earnings Per Share (EPS) 3.50 5.14 3.89
Book Value Per Share 80.0 82.1 82.2
Dividend Per Share 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 2019
income statement                                                                
Net Interest Income EUR mil                                                   10,489 10,431 10,028 9,927 10,919    
Total Revenues EUR mil                                                   26,257 26,353 29,194 28,662 27,780    
Operating Profit EUR mil                                                   10,211 10,462 13,579 11,828 11,419    
Net Profit EUR mil                                                   2,044 2,679 4,001 3,874 2,806    
balance sheet                                                                
Interbank Loans EUR mil                                                   90,565 95,235 90,813 82,934 182,980    
Customer Loans EUR mil                                                   345,247 355,841 386,121 403,069 404,227    
Debt Securities EUR mil                                                   448,261 468,847 657,831 658,031 327,680    
Total Assets EUR mil                                                   1,214,190 1,308,140 1,334,390 1,382,240 1,275,130    
Shareholders' Equity EUR mil                                                   53,970 58,874 62,675 65,706 64,037    
Interbank Borrowing EUR mil                                                   370,634 382,966 332,559 312,337 256,795    
Customer Deposits EUR mil                                                   314,148 327,764 360,178 397,357 394,228    
Issued Debt Securities EUR mil                                                   145,905 117,492 119,458 116,305 116,882    
ratios                                                                
ROE %                                                   3.80 4.75 6.58 6.04 4.33    
ROA %                                                   0.166 0.212 0.303 0.285 0.211    
Costs (As % Of Assets) %                                                   1.30 1.26 1.18 1.24 1.23    
Costs (As % Of Income) %                                                   61.1 60.3 53.5 58.7 58.9    
Capital Adequacy Ratio %                                                   13.4 14.3 16.3 17.9 17.0    
Net Interest Margin %                                                   0.851 0.827 0.759 0.731 0.822    
Interest Income (As % Of Revenues) %                                                   39.9 39.6 34.3 34.6 39.3    
Fee Income (As % Of Revenues) %                                                   23.8 24.6 22.9 23.4 24.6    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Equity (As % Of Assets) %                                                   4.44 4.50 4.70 4.75 5.02    
Loans (As % Of Deposits) %                                                   110 109 107 101 103    
Loans (As % Assets) %                                                   28.4 27.2 28.9 29.2 31.7    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ...                           6.89 6.38 6.14 5.73 5.02    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ...                           65.5 65.1 60.1 60.1 58.2    
valuation                                                                
Market Capitalisation (End Of Period) USD mil                                                   46,487 33,252 36,925 39,464 41,340    
Number Of Shares (Average) mil                                                   767 781 793 799 801    
Share Price (End Of Period) EUR                                                   44.0 35.2 42.8 46.8 43.1    
Earnings Per Share (EPS)                                                   2.67 3.43 5.05 4.85 3.50    
Book Value Per Share                                                   70.4 75.3 79.1 82.3 80.0    
Dividend Per Share                                                   1.04 1.24 2.03 2.22 2.20   ...
Price/Earnings (P/E)                                                   16.5 10.3 8.48 9.65 12.3    
Price/Book Value (P/BV)                                                   0.625 0.467 0.541 0.569 0.539    
Dividend Yield % ...                                                 2.37 3.52 4.75 4.76 5.11   ...
Earnings Per Share Growth % ...                                                 154 28.6 47.2 -3.92 -27.7    
Book Value Per Share Growth % ...                                                 -1.07 7.04 4.96 4.02 -2.76    
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 2019
income statement                                                                
Interest Income EUR mil                                                   27,485 24,964 26,153 25,120 24,182    
Interest Cost EUR mil                                                   16,996 14,533 16,125 15,193 13,263    
Net Interest Income EUR mil                                                   10,489 10,431 10,028 9,927 10,919    
Net Fee Income EUR mil                                                   6,240 6,475 6,678 6,699 6,823    
Other Income EUR mil                                                   9,528 9,447 12,488 12,036 10,038    
Total Revenues EUR mil                                                   26,257 26,353 29,194 28,662 27,780    
Staff Cost EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Depreciation EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Other Cost EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Operating Cost EUR mil                                                   16,046 15,891 15,615 16,834 16,361    
Operating Profit EUR mil                                                   10,211 10,462 13,579 11,828 11,419    
Provisions EUR mil                                                   4,050 2,967 3,065 2,091 1,349    
Extra and Other Cost EUR mil                                                   3,239 3,141 4,405 3,430 4,932    
Pre-Tax Profit EUR mil                                                   2,922 4,354 6,109 6,307 5,138    
Tax EUR mil                                                   528 1,376 1,714 1,969 1,708    
Minorities EUR mil                                                   350 299 394 464 624    
Net Profit EUR mil                                                   2,044 2,679 4,001 3,874 2,806    
Dividends EUR mil                                                   799 966 1,612 1,777 1,762   ...
growth rates                                                                
Net Interest Income Growth % ...                                                 -9.78 -0.553 -3.86 -1.01 9.99    
Net Fee Income Growth % ...                                                 -10.6 3.77 3.14 0.314 1.85    
Total Revenue Growth % ...                                                 -2.40 0.366 10.8 -1.82 -3.08    
Operating Cost Growth % ...                                                 -2.27 -0.966 -1.74 7.81 -2.81    
Operating Profit Growth % ...                                                 -2.61 2.46 29.8 -12.9 -3.46    
Pre-Tax Profit Growth % ...                                                 86.7 49.0 40.3 3.24 -18.5    
Net Profit Growth % ...                                                 159 31.1 49.3 -3.17 -27.6    
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 2019
balance sheet                                                                
Cash EUR mil                                                   66,598 57,065 78,565 96,186 114,404    
Interbank Loans EUR mil                                                   90,565 95,235 90,813 82,934 182,980    
Customer Loans EUR mil                                                   345,247 355,841 386,121 403,069 404,227    
Debt Securities EUR mil                                                   448,261 468,847 657,831 658,031 327,680    
Fixed Assets EUR mil                                                   22,559 22,248 23,779 26,318 29,806    
Total Assets EUR mil                                                   1,214,190 1,308,140 1,334,390 1,382,240 1,275,130    
Shareholders' Equity EUR mil                                                   53,970 58,874 62,675 65,706 64,037    
Of Which Minority Interest EUR mil                                                   3,093 3,645 3,638 3,753 4,664    
Liabilities EUR mil                                                   1,160,220 1,249,260 1,271,720 1,316,540 1,211,090    
Interbank Borrowing EUR mil                                                   370,634 382,966 332,559 312,337 256,795    
Customer Deposits EUR mil                                                   314,148 327,764 360,178 397,357 394,228    
Sight Deposits EUR mil                                                   142,734 157,343 184,853 211,228 216,102    
Term Deposits EUR mil                                                   171,414 170,421 175,325 186,129 178,126    
Issued Debt Securities EUR mil                                                   145,905 117,492 119,458 116,305 116,882    
Other Liabilities EUR mil                                                   329,536 421,042 459,521 490,536 443,186    
asset quality                                                                
Non-Performing Loans EUR mil ... ... ... ... ... ... ... ... ... ... ... ...                           24,900 23,700 24,600 23,900 20,900    
Gross Loans EUR mil                                                   361,559 371,263 400,905 417,442 416,399    
Provisions EUR mil                                                   4,050 2,967 3,065 2,091 1,349    
growth rates                                                                
Customer Loan Growth % ...                                                 -3.13 3.07 8.51 4.39 0.287    
Total Asset Growth % ...                                                 -2.93 7.74 2.01 3.59 -7.75    
Shareholders' Equity Growth % ...                                                 0.782 9.09 6.46 4.84 -2.54    
Customer Deposit Growth % ...                                                 2.95 4.33 9.89 10.3 -0.787    
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 2019
ratios                                                                
ROE %                                                   3.80 4.75 6.58 6.04 4.33    
ROA %                                                   0.166 0.212 0.303 0.285 0.211    
Costs (As % Of Assets) %                                                   1.30 1.26 1.18 1.24 1.23    
Costs (As % Of Income) %                                                   61.1 60.3 53.5 58.7 58.9    
Capital Adequacy Ratio %                                                   13.4 14.3 16.3 17.9 17.0    
Tier 1 Ratio % ... ... ... ... ...                                         11.8 12.6 13.5 14.5 13.8    
Net Interest Margin %                                                   0.851 0.827 0.759 0.731 0.822    
Interest Spread % ...                                                 0.788 0.773 0.700 0.675 0.771    
Asset Yield %                                                   2.23 1.98 1.98 1.85 1.82    
Cost Of Liabilities % ...                                                 1.44 1.21 1.28 1.17 1.05    
Payout Ratio %                                                   86.6 76.6 75.7 75.4 62.8   ...
Interest Income (As % Of Revenues) %                                                   39.9 39.6 34.3 34.6 39.3    
Fee Income (As % Of Revenues) %                                                   23.8 24.6 22.9 23.4 24.6    
Other Income (As % Of Revenues) %                                                   36.3 35.8 42.8 42.0 36.1    
Cost Per Employee USD per month ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Cost Per Employee (Local Currency) EUR per month ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Staff Cost (As % Of Total Cost) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
Equity (As % Of Assets) %                                                   4.44 4.50 4.70 4.75 5.02    
Loans (As % Of Deposits) %                                                   110 109 107 101 103    
Loans (As % Assets) %                                                   28.4 27.2 28.9 29.2 31.7    
NPLs (As % Of Loans) % ... ... ... ... ... ... ... ... ... ... ... ...                           6.89 6.38 6.14 5.73 5.02    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ... ... ... ... ... ...                           65.5 65.1 60.1 60.1 58.2    
Provisions (As % Of Loans) %                                                   4.72 4.33 3.83 3.57 3.01    
Cost of Provisions (As % Of Loans) %                                                   1.15 0.846 0.826 0.530 0.334    
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 2019
other data                                                                
Employees                                                   147,682 148,322 145,703 145,672 147,125    
Sight (As % Of Customer Deposits) %                                                   45.4 48.0 51.3 53.2 54.8    

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Societe Generale's price/earnings (P/E) rose 12.1% yoy to 10.0 in 4Q2019

By Helgi Analytics - February 13, 2020

Societe Generale stock traded at EUR 31.4 per share at the end fourth quarter of 2019 implying a market capitalization of USD 28,541 mil. Since the end of 4Q2014, the stock has depreciated by -7.77 % implying an annual average growth of -1.61 %. In absolute terms, the...

Societe Generale's market capitalisation (end of period) rose 22.7% to USD 28,541 mil in 4Q2019

By Helgi Analytics - February 13, 2020

Societe Generale stock traded at 31.4 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 28,541 mil. Over the last five years, the stock has depreciated by 7.77 implying an annual average growth of -1.61% In absolute ter...

Societe Generale's equity (as % of assets) rose 0.595% yoy to 5.06% in 4Q2019

By Helgi Analytics - February 13, 2020

Societe Generale's Equity reached of total assets in the 4Q2019, up from 5.54% for the previous year. As a share of net customer loans, the ratio amounted to at the end of the fourth quarter of 2019. ...

Societe Generale's customer loan growth fell 45.8% yoy to 2.27% in 4Q2019

By Helgi Analytics - February 13, 2020

Societe Generale's customer loan growth reached 2.27% in 2019-12-31, down from 4.19% 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 npls (as % of loans) fell 11.8% to 3.67% in 2019

By Helgi Analytics - February 13, 2020

Societe Generale's non-performing loans reached 3.67% of total loans at the end of 2019, down from 4.16% 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 capital adequacy ratio rose 9.58% to 18.3% in 2019

By Helgi Analytics - February 13, 2020

Societe Generale's capital adequacy ratio reached 18.3% at the end of 2019, up from 16.7% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 18.3% in 2019 and an all time low of 8.87% in 2007. The Tier 1 ratio amount...

Societe Generale's net profit fell 21.2% to EUR 3,248 mil in 2019

By Helgi Analytics - February 13, 2020

Societe Generale made a net profit of EUR 3,248 mil under revenues of EUR 24,671 mil in 2019, up -21.2% and -2.12% 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 ...

Societe Generale's price/earnings (P/E) rose 49.1% to 8.07 in 2019

By Helgi Analytics - February 13, 2020

Societe Generale stock traded at EUR 31.4 per share at the end 2019 implying a market capitalization of USD 28,541 mil. Since the end of 2014, the stock has depreciated by -10.6 % implying an annual average growth of -2.22 %. In absolute terms, the value of the compan...

Societe Generale's net interest margin fell 6.34% to 0.799% in 2019

By Helgi Analytics - February 13, 2020

Societe Generale's net interest margin amounted to 0.799% in 2019, down from 0.853% 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 ...

Societe Generale's net interest income fell 3.39% to EUR 10,645 mil in 2019

By Helgi Analytics - February 13, 2020

Societe Generale generated total banking revenues of EUR 24,671 mil in 2019, down 2.12% 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...

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