Financial inclusion

Societe Generale has implemented several concrete initiatives aimed at ensuring inclusive and equitable access to its products and services. These initiatives include support for clients facing financial vulnerability, as well as efforts to promote microfinance and financial education.

Supporting clients facing financial vulnerability

Societe Generale has adopted professional best practice standards in addressing financial vulnerability, notably the AFECEI Charter (French Association of Credit Institutions and Investment Firms) on banking inclusion and the prevention of over-indebtedness. The charter requires institutions to implement early detection mechanisms for clients facing financial vulnerability, based on a combination of internal customer knowledge systems.

In addition, the Group has implemented procedures that comply with regulatory requirements for identifying and supporting financially vulnerable clients, in particular through the Specific Offer for Financially Vulnerable Customers.

For more information: Universal Registration Document 2026, p. 356

Supporting microfinance initiatives

Societe Generale supports microfinance initiatives. This activity provides a range of financial services – primarily loans, savings, insurance and money transfers – designed for entrepreneurs or businesses with limited means or restricted access to traditional banking institutions.

Since 2006, the Group has supported microfinance through a partnership in mainland France and overseas territories with ADIE (Association pour le droit à l’initiative économique). Outstanding loans with ADIE amounted to EUR 39.5 million at end-2025, compared with EUR 41.2 million at end-2024.

In Africa, Societe Generale has been supporting the development of microfinance for nearly 20 years, addressing the significant needs of local populations and very small businesses (VSEs) that do not have access to traditional banking services.

For more information: Universal Registration Document 2026, p. 355

Educational initiatives, financial literacy and employability

Societe Generale supports financial literacy, which helps prevent financial exclusion. These initiatives are led by the Group’s foundations and subsidiaries.

Retail Banking – the SG French Retail Network has taken part in several initiatives to educate and support its clients, including video programs such as “5’ des experts” addressing financial topics, as well as programs like “1 Jeune 1 Solution” to connect young job seekers with recruiting companies. Professional clients can also find guidance on the SG French Retail Network website for setting up a business or a franchise.

In 2025, Societe Generale strengthened its commitment to financial literacy by launching “Invest one hour for your money,” a series of ten free masterclasses open to all and held across France. This educational initiative supports individuals in their savings and investment projects, at a time when the average savings rate reached 19% in Q1 2025. Transforming savings into a real growth lever requires financial literacy, which plays a key role in enabling informed investment decisions. Clients and SG network experts engaged in discussions to better understand investment mechanisms and explore solutions tailored to each profile, illustrating the Bank’s role as a trusted partner, backed by longstanding expertise, a comprehensive offering and personalized advice. Around 1,400 SG French Retail Network clients took part in this initiative, and a replay was shared with 500,000 retail clients.

Through its information portal Boursorama.com, BoursoBank provides its customers with educational pathways to build core financial literacy skills. This free program, open to all and called Bourso Campus, features educational videos covering budgeting and savings, as well as more advanced modules on financial savings and investments (equities, complex orders, private equity, etc.). Since 2025, the program has generated more than 1.5 million views and 220,000 completed quizzes.

Since 2023, Boursorama.com has also partnered with ViveS Media – an online magazine dedicated to helping women become more familiar with finance – to promote women’s access to finance and investment.

Boursorama.com offers a wide range of financial information content and now provides ESG (environmental, social and governance) analysis for nearly 4,000 companies, enabling investors to factor these insights into their investment choices.

In the countries where the Group operates, philanthropic initiatives support public-interest organizations and projects in the fields of education, culture and the environment. In education, these initiatives particularly target young people through financial literacy, education through sport and culture, and employability programs, notably in green transition and digital professions.

As part of Global Money Week, organized annually since 2012 under the auspices of the OECD, Societe Generale has, for the past two editions, highlighted its commitments and philanthropic initiatives supporting education across several countries.

The Societe Generale Foundation supports the CRESUS association in the fight against financial exclusion, particularly through budget education initiatives. Its interactive “Dilemme” program had reached 660,000 beneficiaries in France by end-2025, including more than 100,000 supported by the Group, and is being rolled out internationally. In parallel, workshops are organized for employees and partners, and several hundred staff members are engaged year-round in awareness initiatives for young people through the “Un banquier dans ma classe” program.

Financial literacy initiatives are deployed in several countries to foster inclusion, prevent over-indebtedness and support young people in adopting responsible banking practices.

• In Hong Kong, workshops help young people understand the value of money and the importance of saving.
• In India, training sessions for educators from the NGO VIDYA are delivered within local communities.
• In Spain, Societe Generale participates in the “Tus finanzas, tu futuro” program led by the Bank of Spain to raise awareness among middle school students about budgeting.
• In the Netherlands, AYVENS employees contribute to school outreach programs as part of the national “Bank voor de Klas” initiative.
• In Algeria, Societe Generale Algeria takes part each year in ABEF’s financial inclusion program for students.
• In France, CGI Finance refers around 100 clients in difficulty each year to CRESUS for tailored budget support.
• In Germany, HANSEATIC BANK has supported the OhMoney program run by the finlit foundation since 2023 for middle and high school students.
• In the Czech Republic, ESSOX has been rolling out the “Together Safely” program since 2018, combining everyday risk prevention and financial education for children through educational materials, videos and a dedicated website.

Discover more financial literacy initiatives supported by the Societe Generale Foundation.