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International Retail Banking

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International Retail Banking

A universal banking strategy at the service of our clients

The International Retail Banking division was created in 1998 to develop and build on the network of Societe Generale subsidiaries in Africa, the Middle East and the French overseas territories. The division’s ambitions at the time were to enhance its businesses and extend its operational sphere. Development was mainly focused on countries with real growth prospects in terms of banking services, but without dismissing the possibility of taking any opportunities that should arise. As a result, Central and Eastern Europe integrated the key target areas, alongside the Mediterranean Basin, Sub-Saharan Africa and the French overseas territories.

Thanks to its positioning, its innovation and judicious strategic choices, International Retail Banking has pursued its growth strategy making it one of the leading players in the main geographic areas where it is present:

• Central and Eastern Europe, and Russia ;
• the Mediterranean Basin ;
• Africa and the French overseas territories ;
• Asia.

International Retail Banking continues to develop its franchises, with strong momentum in the Mediterranean basin, Sub-Saharan Africa and the French overseas territories.

With a network of about 3,900 branches, the International Retail Banking division adapts the universal banking model to the specificities of its local markets. As a result, 13.7 million customers (individuals, businesses, institutional investors and associations) in 37 countries are able to benefit from the comprehensive range of products and services provided by a large international bank.

International Retail Banking is one of the Group’s growth drivers and continues the organic growth and external development of its network via the commitment of its 63,000 employees. Its universal banking model enables it to work with all the Group’s business lines and expert divisions, thus boosting inter-Group synergies.

At the same time, its international presence allow its to be a driving force in the development of the regions where it is present, which allows it to confirm the Group’s credentials as an actively responsible bank.