Société Générale / Risk report 2021 - Pillar 3 2020

5 CAPITAL MANAGEMENT AND ADEQUACY SCOPE OF APPLICATION – PRUDENTIAL SCOPE | SOCIETE GENERALE GROUP | PILLAR 3 - 2021 49 LIABILITIES at 31.12.2020 (In EURm) Consolidated balance sheet Prudential restatements linked to insurance (1) Prudential restatements linked to consolidation methods Accounting balance sheet within the prudential scope Reference to table 12a page 59 Due to central banks 1,489 - - 1,489 Financial liabilities at fair value through profit or loss 390,247 2,031 - 392,278 Hedging derivatives 12,461 10 - 12,471 Debt securities issued 138,957 823 - 139,780 Due to banks 135,571 (2,710) 43 132,904 Customer deposits 456,059 1,438 (58) 457,439 Revaluation differences on portfolios hedged against interest rate risk 7,696 - - 7,696 Tax liabilities 1,223 (294) 0 929 Other Liabilities 84,937 (6,881) 198 78,254 Non-current liabilities held for sale - - - - Liabilities related to insurance activities contracts 146,126 (146,126) - - Provisions 4,775 (20) - 4,755 Subordinated debts 15,432 40 - 15,472 o.w redeemable subordinated notes including revaluation differences on hedging items 15,001 40 - 15,041 5 TOTAL DEBTS 1,394,973 (151,690) 183 1,243,466 Subtotal Equity, Group share 6 Issued common stocks, equity instruments and capital reserves 31,628 0 - 31,628 Retained earnings 32,076 (202) (0) 31,874 Net income (258) (0) - (258) Unrealised or deferred capital gains and losses (1,761) (0) (0) (1,762) Minority interests 5,295 (871) - 4,424 7 TOTAL EQUITY 66,979 (1,074) (0) 65,905 TOTAL LIABILITIES 1,461,952 (152,763) 183 1,309,372 Restatement of entities excluded from the prudential scope and reconsolidation of intra-group transactions relating to these entities. (1) ASSETS at 31.12.2019 (In EURm) Consolidated balance sheet Prudential restatements linked to insurance (1) Prudential restatements linked to consolidation methods Accounting balance sheet within the prudential scope Reference to table 12a page 59 Cash, due from banks 102,311 - - 102,311 Financial assets at fair value through profit or loss 385,739 9,499 - 395,238 Hedging derivatives 16,837 36 - 16,873 Financial assets at fair value through other comprehensive income 53,256 - - 53,256 Securities at amortised cost 12,489 - - 12,489 Due from banks at amortised cost 56,366 - 94 56,460 1 o.w. subordinated loans to credit institutions 88 - - 88 Customer loans at amortised cost 450,244 1,556 (3) 451,797 Revaluation differences on portfilios hedged against interest rate risk 401 - - 401 Investment of insurance activities 164,938 (164,938) - - Tax assets 5,779 (135) - 5,644 o.w deferred tax assets that rely on future profitability excluding those arising from temporary differences 2,659 - (756) 1,903 2 o.w deferred tax assets arising from temporary differences 2,082 - 650 2,732 Other assets 68,045 (2,614) 65 65,496 o.w defined-benefit pension fund assets 120 - - 120 3 Non-current assets held for sale 4,507 - - 4,507 Investments accounted for using the equity method 112 4,501 (73) 4,540 Tangible and intangible assets 30,652 (169) - 30,483 o.w intangible assets exclusive of leasing rights 2,363 - (138) 2,225 4 Goodwill 4,627 (325) - 4,302 4 TOTAL ASSETS 1,356,303 (152,589) 83 1,203,797 Restatement of entities excluded from the prudential scope and reconsolidation of intra-group transactions relating to these entities. (1)