Finance - To be a responsible investor and a contributor to the real economy

As a committed investor, our ambition is to channel our investments toward financing the economy and supporting the ecological transition, in order to provide concrete solutions to society’s long-term challenges.
We believe that sustainable performance is built on a balanced approach combining economic growth, social impact, and respect for the environment. In line with Société Générale Group’s commitments and the Paris financial marketplace initiatives, we have set clear and public targets to combat climate change, preserve biodiversity, and achieve carbon neutrality across our investment portfolio by 2050.

In response to climate challenges, we have strengthened our commitment by allocating an increasing share of our investments to sustainable solutions. By multiplying our climate-focused assets by 3.5 between 2020 and the end of 2025, we exceeded our initial target of tripling these assets by 2029. In 2025, we further stepped up our action to protect biodiversity, with dedicated investments exceeding €164 million.

We apply strict environmental criteria to limit greenhouse gas emissions associated with our investments. By the end of 2025, we achieved our target of reducing our carbon footprint by 65% by 2030.We take sustainability risks into account in our investment policy by integrating Environmental, Social and Governance (ESG) criteria into our decision-making processes. We are also strengthening our ambition to become “CSR by Design” by embedding Corporate Social Responsibility (CSR) at the core of our daily activities. In addition, engaging in dialogue with the companies in which we invest—encouraging them to transition toward a more sustainable, inclusive, and low-carbon economy—is an integral part of our strategy.

Finally, within our real estate investments, we prioritize high energy-performance assets by incorporating demanding environmental standards from the design phase and throughout the management of existing buildings. As of the end of 2025, the market value of our real estate portfolio with environmental certifications stands at €3.1 billion.
Through these commitments, we reaffirm our role as a responsible investor, convinced that finance can be a powerful driver of positive transformation.