Corporate Social Responsibility societe generale group 2013 Responsible finance Ensuring the health and security of our customers: attention to over-indebtednes The Societe Generale France network and Franfinance, a subsidiary of the Group specialising in consumer loans, are necessarily concerted by the phenomenon of over-indebtedness and, since 2004, have the resources necessary to identify this customer category in order to offer it responsible processing of these files. Having entered into effect in November 2010, the law governing consumer credit has altered the regulatory framework for overindebtedness without radically changing the procedures in place within Societe Generale, which has always been a pioneer in the field. Relations with our shareholders A lok back at metings with investors and shareholders in 2012 In addition to the General Meeting that brought together 850 shareholders on 22 May 2012 in Paris, three shareholder meetings, organised in our retail banking networks, made it possible to meet with 700 individual shareholders in Reims in March, nearly 800 in Rouen in June, and nearly 800 in Grenoble in September. Societe Generale participated in three information meetings, in partnership with other issuers, in Orléans in May, Nantes in June, and Aix-en-Provence in November, with each of these events bringing together between 200 and 300 participants. A close relationship with shareholders Each quarter, the Group circulates the Shareholder Newsletter (140,000 copies distributed) and makes contact with its shareholders through several ways: Shareholders' Club, toll-free number, letters, dedicated webpages, etc. In addition, in order to be as close as possible to the expectations of its individual shareholders, the Group has established a Shareholder Advisory Committee whose main mission is to express an opinion about the relationship and communication policy towards individual shareholders. Organisation of investor/shareholder relations These relations, which are the everyday responsibility of a dedicated team, are based on listening and dialogue. Our financial information policy is based on four principles: ■■equal and immediate access to information for all shareholders; ■■involvement of investors in the Group’s development; ■■compliance with regulatory deadlines for the publication of company financial statements; ■■transparent information disclosure. Relations with our employees and employer-employe dialogue A new Employer Satisfaction Survey was launched in 2012 to go further in listening to employees. Dialogue with NGOs Focus on working metings with NGOs in 2012 ■■Organisation with the UNEP-FI of a presentation/discussion in October 2012 on the topic of water for the release of the UNEP-FI publication “Chief Liquidity Series 3 Extractives Sector Water related Materiality Briefings for Financial Institutions”. ■■Continuation of the consultation process undertaken in 2011 with several NGOs (BankTrack, Amis de la Terre, Greenpeace, etc.) on environmental and social policies applied to its activities as well as its E&S policies in the sectors that it considers sensitive. ■■Presentation with several French banks within the ORSE of E&S guidelines for several sector policies, developed on the profession’s international best practices. Around 110* roadshows and conferences for analysts/ISR in 2012, 56 days* * Verified by Ernst & Young 19 www.csr.societegenerale.com in Europe (including 12 in Paris), 24* in the United States and Canada, 22* in Asia, and 8* in the Middle East In 2012, 15 SRI analysts from the largest management companies in Paris participated in the first SRI roadshow led by Fréderic Oudéa, CEO of the Group. 400 action plans 1,200 actions were put in place in 2012 within the Group following the 2011 Employer satisfaction survey (4) ORSE: Study centre for corporate social responsibility.
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