Société Générale / Risk Report - Pillar III

6 CREDIT AND COUNTERPARTY CREDIT RISK QUANTITATIVE INFORMATION

Geographic breakdown of Group credit risk exposure GEOGRAPHIC BREAKDOWN OF GROUP CREDIT RISK EXPOSURE AT 31 DECEMBER 2019 (ALL CLIENT TYPES INCLUDED): EUR 918 BN Africa and Middle East 4% Asia Pacific 6%

BREAKDOWN OF GROUP CREDIT RISK EXPOSURE AT 31 DECEMBER 2018 (ALL CLIENT TYPES INCLUDED): EUR 920 BN Africa and Middle East 4% Asia Pacific 6%

Latin America and Caribbean 1% North America 14%

Latin America and Caribbean 1% North America 15%

France 45%

France 42%

Eastern Europe (excl. EU) 2%

Eastern Europe (excl. EU) 2%

Eastern Europe EU 6%

Eastern Europe EU 7%

Western Europe (excl. France) 22%

Western Europe (excl. France) 23%

As at 31 December 2019, 89% of the Group’s on- and off-balance sheet exposure was concentrated in the major industrialised countries (1) . Almost half of the overall amount of outstanding loans was towards French clients (28% exposure to the non-retail portfolio and 17% to the retail one).

GEOGRAPHIC BREAKDOWN OF GROUP CREDIT EXPOSURE ON TOP TEN COUNTRIES AT 31 DECEMBER 2019: EUR 761 BN

GEOGRAPHIC BREAKDOWN OF GROUP CREDIT EXPOSURE ON TOP TEN COUNTRIES AT 31 DECEMBER 2018: EUR 748 BN

France 54%

France 52%

8%

8%

25%

25%

Russia 2%

Russia 2%

21%

21%

12%

12%

Japan 2%

Japan 2%

34%

34%

United States 17%

United States 17%

Luxembourg 3%

Luxembourg 3%

Czech Republic 6% United Kingdom 5%

Czech Republic 6% United Kingdom 6%

Italy 3%

Italy 3%

Switzerland 3%

Switzerland 3%

Germany 5%

Germany 6%

The Group’s exposure to its top ten countries represented 83% of total exposure (i.e. EUR 761 billion of EAD) at 31 December 2019 (versus 81% and EUR 748 billion of EAD at 31 December 2018).

As defined by the IMF in its World Economic Outlook document of October 2019. (1)

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