Societe Generale : First amendment to the Universal Registration Document filed on 3 May 2024 under number D-24-0094-A01

A French corporation with share capital of 1,003,724,927.50 euros Registered office: 29 boulevard Haussmann - 75009 PARIS

552 120 222 R.C.S. PARIS

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FIRST AMENDMENT

TO UNIVERSAL REGISTRATION DOCUMENT

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2024

Universal registration document filed with AMF on 11 March 2024 under N° D.24-0094.

This first amendment to the Universal Registration Document has been filed on 3 Mai 2024 with the AMF, under D-24-0094-A01 as

competent authority under Regulation (EU) 2017/1129, without prior approval pursuant to Article 9 of the said regulation.

The Universal Registration Document may be used for the purposes of an offer to the public of securities or admission of securities to trading on a regulated market if completed by a securities note and, if applicable, a summary and any amendments to the Universal Registration Document. The whole is approved by the AMF in accordance with Regulation (EU) 2017/1129.

This document is a translation into English of the Annual Financial Report/Universal Registration Document of the Company issued in French and its available on the website of the Issuer.

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SUMMARY

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• Negotiations aimed at strengthening the European framework for the fight against money laundering and terrorist financing were also concluded in H1 2024 with in the adoption of the regulatory framework for the future European Authority (AMLA), to be established in Frankfurt and operational by 2027-2028.
• The EC has published its proposal to reform the Crisis Management and Deposit Insurance (CMDI) banking crisis management framework with the aim of extending the European resolution framework to more small and medium-sized banks. These negotiations continue in 2024 and could be concluded in 2025. The wider debate around the finalization of the Banking Union is likely to be revived by the next European Commission.
• The regulatory framework for sustainability, which is now in the implementation phase, continues to strengthen in 2024.
  In addition to the climate targets already adopted, the EU taxonomy of sustainable activities has been enriched with several additional targets. Sector-specific initiatives provide elements to support banks' transition trajectory (e.g., Fit for 55 and Green Deal Industrial Plan for the Net Zero Age, including the above-mentioned NZIAs and CRMAs).
  ESG risks have been an integral part of the European prudential legislative framework since 2023. At the same time, the Group is preparing for the first publications in 2025 under the Corporate Sustainability Disclosures Directive (CSRD). European banks, such as Societe Generale Group, have also published their first green asset ratio, highlighting the issues of the availability of data related to the taxonomy criteria as well as the method of calculating the banks' alignment ratio.
  In addition, the negotiations on the European Duty of Vigilance Directive (CS3D) have been concluded in Q1 2024 and require companies to be better responsible for their impacts in terms of human and environmental rights, probably from 2028.
  While initiatives are multiplying at the international level and in other jurisdictions, the question of how to articulate the European framework with those adopted outside the EU remains more relevant than ever. The aim will be for the EU to confirm its pioneering role and avoid distortions of competition in relation to non-European or unregulated players.
• Digital transformation and innovation around financial services, which will be pursued in 2024 and by the next Commission, remain a regulatory priority.
  The reflections on payments (e.g., the EPI project and the acceleration of the diffusion of instant payments) were complemented by proposals on open finance: the review of the Payment Services Directive (PSD3), a new text on the sharing of financial data (Financial Data Access) and the European proposal on a central bank digital currency (digital euro). At the same time, discussions continue on digital identity (e-IDAS), which could complement the strong authentication of current payment systems and for which banks will be trusted intermediaries for consumers.
  The December 2023 European agreement to regulate the misuse of AI preserves innovation capabilities while strengthening controls on use cases considered high-risk, including certain aspects of credit decision-making and risk management. The required adaptations will be carried out soon, while closely following developments related to the EU Generative AI Pact.
  Finally, as the institutional renewal of the EU approaches, in the post-Brexit context and the increase in financing needs induced by the challenges facing the EU, several institutions, both

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European and national, wish to give new impetus to the development of the Capital Markets Union (CMU).

Several critical reforms have already been undertaken - and some of them finalized - within the framework of the CMU, with the aim of prioritizing the deepening and integration of European markets and ultimately ensuring European financial autonomy with the reviews of:

• MIFIR (Markets in Financial Instruments Settlement);
• The Alternative Management Directive (AIFMD) ;
• The European Long-Term Investment Funds Regulation (ELTIF);
• EMIR, for the establishment of a "safe, reliable and attractive" clearing system, ensuring the gradual relocation of part of the clearing of Euro products within the EU;
• The establishment of a centralized access point for companies' financial and non-financial information (ESAP),
• The simplification of access regimes to listing on the stock exchange (Listing Act).

The co-legislators continue to work on establishing an Investment Strategy for Retail Investors (RIS), which aims to facilitate savers' access to capital markets. However, the proposal has drawn strong criticism from producers and distributors of financial products, as some of its measures could in practice have many counterproductive effects on European household investment.

In addition to the reforms already underway, the European authorities have engaged in intense reflection on the priorities to be given to the next European mandate to ensure, in a context of financing needs and growing geopolitical tensions, the competitiveness and strategic independence of the Union:

• euro area finance ministers tasked Eurogroup President Paschal Donohoe with making policy recommendations on the future of European capital and financial markets;
• the Council mandated former Italian Prime Minister Enrico Letta to prepare a report by March 2024 on areas where integration into the Single Market is at a standstill and where barriers are hampering cross-border activities, with a focus on limited progress towards the Capital Markets Union;
• European Commission President Ursula von der Leyen has instructed former Italian ECB and Council President Mario Draghi to prepare a report on the future of European competitiveness by June 2024.

The various reflections seem to agree on the need to (i) continue to work towards the harmonization of regulation and supervisory practices in the Union, (ii) integrate the notions of competitiveness, attractiveness and agility more systematically into the European legislative approach, (iii) proactively relaunch the securitization market in Europe and (iv) mobilize European savings for the financing of the economy, via pan-Europeanlong-term savings products, possibly supported by tax incentives.

Global economic momentum seems to have bottomed out but there is no significant take off yet. Overall, activity remains weak, still affected by tight monetary policies. The global environment is characterized by the weakness of growth prospects. This takes its roots on the tighter policy mix in developed markets at least for the next two years and the weaker rebound capacity of emerging markets economies.

On both sides of the Atlantic, the pace of disinflation and signs of lesser tensions in the labour markets should set the path for first rate cuts in H1 2024. However, the level of interest rates will

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remain expansionary and quantitative tightening is expected to continue in 2024.On the fiscal side, we expect some tightening in the United States, but uncertainty is significant with the upcoming Presidential elections. In the euro area, the reactivation of the fiscal rules will see ongoing tightening of fiscal policy.

Corporate and sovereign spreads have rallied and are now back at levels observed before the start of the monetary tightening cycle. Sovereign spreads in the euro area are close to their lowest levels since 2021. Nevertheless, corporate defaults have started to increase in the US and in Europe, while solvency issues of the most fragile emerging markets sovereigns remain.

Bond spreads are set to be tested for both credit and euro area sovereign. Credit spreads will see pressure from business failures, while euro area spreads could see some pressure as European fiscal rules come back into full effect. Despite some moderation, higher market volatility cannot be ruled out as recessionary effects start to materialize.

Geopolitical risks will likely remain elevated in 2024 with several key elections are due in 2024, in the US, the EU, the UK and India.

Environmental issues, both physical and transition, may add volatility to both the inflation and growth outlook, and weigh on already stretched public finances.

1.2 Press release as of 2 April 2024: Societe Generale and AllianceBernstein announce the official launch of Bernstein, a new leader in cash equities & research

Societe Generale (EURONEXT: GLE) and AllianceBernstein (NYSE: AB) today announced the official launch of Bernstein, a joint venture creating a leading global cash equities and equity research business. The creation of Bernstein signals a historic milestone for both organizations, following the original announcement of the plan to form the joint venture in November 2022.

Built on a history of industry-leading research, Bernstein provides institutional investors, corporates and financial institutions with premier investment insights into North American, European and Asia Pacific equity markets, in addition to unparalleled liquidity access and leading global trading technology. With Bernstein, Societe Generale will now offer its clients a comprehensive suite of global services across the equities value-chain, from world-class equity and macro research to leading agency execution, equity derivatives, prime brokerage, and equity capital markets offerings. With over 750 employees serving clients globally, the joint venture is organised under two separate legal vehicles with a Head Office in New York covering North America and a Head Office in London covering Europe and Asia, complemented by major hubs in Paris and Hong Kong, and multiple regional offices.

The ultimate objective of Societe Generale and AllianceBernstein is for Societe Generale to eventually own 100% of both entities after five years*. Robert van Brugge, previously CEO of Bernstein Research Services, has been appointed CEO of Bernstein, with Stephane Loiseau, previously Head of Societe Generale's cash equities business, appointed Deputy CEO of Bernstein. Slawomir Krupa, Chief Executive Officer of Societe Generale, comments: "With Bernstein, a new leader is emerging in cash equities. This joint venture illustrates Societe Generale's capability to develop innovative pathways to further expand our client offering as we increase our value proposition for the benefit of our investor and issuer clients, leverage synergies within our Group, and grow our revenues sustainably."

Seth Bernstein, Chief Executive Officer of AllianceBernstein, said: "Bernstein's mission has a foundation rooted in servicing clients with best-in-class research and insights. Through this joint venture, Bernstein can continue to build out a cash equities and research business that seeks to set

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the standard for delivering global investment expertise and an even stronger set of products and services for global clients."

The closing of the transaction has been approved by the relevant regulatory and antitrust authorities.

The launch of Bernstein is fully aligned with Societe Generale's strategic priorities to increase stable, fee-based, client revenues. The impact of the joint venture on the Group's CET1 capital ratio is below 10 basis points.

The new brand capitalises on the Bernstein name with a Societe Generale Group byline:

• The ability of Societe Generale to acquire additional ownership will depend on a number of factors, including
  obtaining any required regulatory approvals.

1.3 Press release as of 11 April 2024: Societe Generale has signed a memorandum of understanding with Groupe BPCE with a view to sell Societe Generale equipment finance's activities

Societe Generale's Board of Directors, which met on 10 April 2024 under the chairmanship of Lorenzo Bini Smaghi, has approved the signing of a Memorandum of Understanding with Groupe BPCE for the divestment of the professional equipment financing businesses operated by Societe Generale Equipment Finance (SGEF)*.

Groupe BPCE would take over most of Societe Generale Equipment Finance's* activities, which offer tailor-made financing and leasing solutions for distributors, traders, manufacturers and companies. SGEF deploys its expertise internationally in the transport, industrial equipment, technology, medical and renewable energy sectors. The outstanding loans of the businesses covered by the Memorandum of Understanding amount to almost €15 billion at the end of December 2023, i.e. around €8 billion in risk-weighted assets (RWA).

This divestment project would mark an important step in the execution of Societe Generale's strategic roadmap presented in September 2023, targeting a streamlined, more synergetic and efficient business model, while strengthening the Group's capital base. This transaction would be done at a price of €1.1billion and would have an estimated positive impact of approximately 25 basis points on the Group's CET1 ratio at the completion date which should occur in the first quarter of 2025.

Slawomir Krupa, Chief Executive Officer of Societe Generale Group comments: "During the presentation of the Group's strategy in September 2023, we affirmed Societe Generale's ambition to be a rock-solid and sustainable top tier European bank. We announced that the Group would take strategic decisions to simplify its business portfolio and shape a more integrated, competitive and synergetic business model. The signing of the Memorandum of Understanding with Groupe BPCE for the sale of SGEF's activities illustrates the strategic roadmap's execution that creates value for all our stakeholders."

For Odile de Saivre, Chief Executive Officer of Societe Generale Equipment Finance: "Within Societe Generale, SGEF has developed its international activities to achieve a unique geographical coverage. SGEF's employees are recognized experts who work with our customers and partners to build innovative equipment financing solutions. With the proposed Groupe BPCE project, I am delighted to open a new chapter firmly oriented towards growth, thanks to the strong alignment of our activities."

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This project will be subject to the applicable social/labor procedures, the usual conditions precedent, and the approval of the relevant financial and regulatory authorities. Societe Generale remains fully committed to its employees, clients and partners during this transition period.

*Only activities in the Czech Republic and Slovakia would remain part of Societe Generale.

1.4 Press release as of 12 April 2024: Societe Generale Group has reached an agreement with Saham Group for the disposal of Societe Generale

Marocaine de Banques and La Marocaine Vie

Societe Generale Group has signed two contracts with Saham Group, subject to the approval of the competent authorities, with a view for Societe Generale to sell Société Générale Marocaine de Banques including its subsidiaries* and La Marocaine Vie. The two Groups also outlined the framework for a long-term business partnership.

Societe Generale's Board of Directors, which met on 11 April 2024 under the chairmanship of Lorenzo Bini Smaghi, has approved the signing of these contracts which provide for the sale of Societe Generale Group's shares (57.67%) in Société Générale Marocaine de Banques including its subsidiaries* and the total divestment of Sogecap's stakes in the insurance company La Marocaine Vie.

Saham Groupwould take over all the activities operated by these companies, as well as all client portfolios and employees.

This divestment project is part of the execution of Societe Generale's strategic roadmap presented in September 2023, targeting a streamlined, more synergetic and efficient business model, while strengthening the Group's capital base. The transaction would be done at a price of EUR 745 million and will have an estimated positive effect of around 15 basis points on the Group's CET1 ratio upon the completion of the transaction, which could take place by the end of 2024. The announcement of this agreement is expected to have a negative accounting impact of approximately EUR -75 million** on the Group's Q1 2024 results.

Societe Generale and Saham also outlined the framework for a long-term business partnership that would allow Societe Generale's corporate clients operating in Morocco to engage with a local banking partner. For Saham Group this partnership would offer its future large clients the support and financing solutions provided by Societe Generale Group experts.

Slawomir Krupa, Chief Executive Officer of Societe Generale Group, comments: "Societe Generale is pursuing the implementation of its strategic roadmap through this divestment project. Over the last decades, Societe Generale has built a solid and recognised bank in Morocco serving more than one million clients. We are convinced the quality of Saham Group's proposed project will offer new development prospects for these activities and will create value for customers and employees. Societe Generale is fully committed to support the transition and is pleased to enter into a long-term partnership with Saham Group."

The transaction is subject to the usual condition's precedent, including the approval of the relevant regulatory authorities.

*Main entities in Morocco included in the scope of the disposal: Société Générale Marocaine de Banques whose brand is Société Générale Maroc, Société d'équipement Domestique et Ménager "EQDOM" (Specialised Financing), La Marocaine Vie (Insurance), Société Générale de Leasing au Maroc (Specialised Financing), Investima SA (Bank), Sogecapital Gestion (Financial Company), Sogecapital Placement (Portfolio Company), Sogecapital Bourse (Stock market intermediation).

**Unaudited figures

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1. GROUP CONSOLIDATED RESULTS

Asterisks* in the document refer to data at constant perimeter and exchange

Societe Generale's Board of Directors, which met on 2 May 2024 under the chairmanship of Lorenzo Bini Smaghi, examined the Societe Generale Group's results for Q1 24.

Net banking income

Net banking income stood at EUR 6.6 billion, globally stable vs. Q1 23 (-0.4%).

Revenues of French Retail, Private Banking and Insurance were down by -3.5% vs. Q1 23 at EUR 2.0bn in Q1 24. The net interest income continued to be impacted by short-term hedges (around EUR -0.3 billion) and by the shift from sight deposits to financial savings and interest-bearing deposits which share continues to increase. Assets under management from Private Banking and Insurance strongly increased which contributed to higher financial fees for the pilar by around +10% in Q1 24 vs. same quarter of last year. Lastly, BoursoBank pursues its strong growth with 457k new clients in Q1 24 and a cost of acquisition which still weighs on service fees.

Global Banking and Investor Solutions posted a solid performance, with quarterly revenues of EUR 2.6 billion, down -5.1% relative to a historically high Q1 23 performance. Revenues at Global Markets and Investor Services were down by -8.8% vs. Q1 23 owing notably to Global Markets which posted however very solid revenues at EUR 1.6bn, down by -7.0% compared to a high Q1 23 base. This decline lies with fixed-income activities, down by -17% amid less conducive market conditions than last years, equity activities posting a higher performance by +3% thanks notably to strong results of equity derivatives. The Financing and Advisory business posted solid revenues of EUR 859 million, up by +3.5% in Q1 24 vs. Q1 23, with strong activity in Asset Finance, good commercial momentum in Natural Resources and a rebound in Debt Capital Markets, while volumes remain low in merger and acquisition activities as well as in Equity Capital Markets. Global Transaction & Payment Services' revenues were up by +7.8% relative to Q1 23, driven by a robust commercial performance and higher margins in Cash Management activities.

International Retail, Mobility and Leasing Services' revenues increased by +3.9% vs. Q1 23. Those of International Retail Banking stood at EUR 1.0 billion, which is stable compared to the Q1 23 performance, on the back of robust commercial activity in both regions. Revenues for the Mobility and Leasing Services businesses grew by +8.1%, mainly due to the EUR 417 million contribution

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