THE NEW CODE OF CONDUCT In 2013, the Group updated its code of conduct. Released to all employees, it includes the ethical principles that guide their activity worldwide, going beyond strict enforcement of the law to encompass integrity, accountability, entrepreneurship, service, openness and courage. www See the code of conduct on societegenerale.com 1 RESPONSIBLE FINANCE Responsible finance processes are being rolled out throughout the Group. In 2013, Societe Generale continued to structure the general framework of its CSR policy within all of the bank's entities. This framework relates in particular to the procedures for the environmental and social (E&S) ratings of clients and financial transactions. For transactions, Societe Generale conducts a review that follows procedures set by the Equator Principles for funding projects, but goes even further because it applies to projects in the broader sense, meaning any type of financial commitment with a specific goal. E&S risk is graded by dedicated CSR teams within each business line. The level of risk determines the project's E&S monitoring requirements: review by an independent expert, the establishment of an action plan intended to mitigate those risks, etc. To complete this system, Societe Generale also grades its clients. Any client review conducted within the Group will ultimately incorporate an E&S analysis, as is already the case within Corporate and Investment Banking. 3,600 clients, representing more than 75% of the clients in high-risk sectors, have already been assessed by 150 analysts from Corporate and Investment Banking's KYC (Know Your Customer) department since 2010 51 projects were rated and categorised in 2013 based on the requirements of the Equator Principles (version 2 and 3) including advisory contracts. €619 million in new financing with positive impacts for communities, the environment or economic development were put in place by Corporate and Investment Banking in 2013 January 2 0 1 3 GROUP CODE O F C O N D U C T RESPONSIBLE CREDIT: PREVENTION IS BETTER THAN CURE Societe Generale believes in being proactive about preventing overindebtedness and providing assistance to vulnerable customers. In 2013 it expanded its amicable settlement platforms to cover its entire France network, in order to help customers in temporary financial difficulties find their way back to solid footing. The Group has been involved in a partnership with CRESUS (a network of regional debt-counselling organisations) through its consumer credit subsidiaries since 2010 and launched a financial education pilot programme with it in 2013. 70 Societe Generale employees also took part in training 1,500 young interns and apprentices in managing their budgets. 54 I SOCIETE GENERALE 2013-2014
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