14/05/2009 FULL-YEAR 2008 RESULTS Presentation to financial analysts

2 Société Générale Group’s profile SOCIETE GENERALE GROUP 163,000 employees in 82 countries More than 30 million customers across the world Retail Banking & Financial Services  More than 22 million individual customers in 41 countries  104,000 staff members Latest Rating: A+ (S&P), Aa2 (Moody’s) & A+ (Fitch) 5th Largest Bank in the euro zone in terms of assets 3rd Largest Bank in terms of assets under custody Geniki is part of Société Générale Group Contribution of Businesses to 2008 NBI (in bn. EUR) 2008 NBI: EUR 21.9 bn. (At Group level)

3 A profitable year in 2008 despite the financial crisis Revenues: -3.1% vs 2007 Cost-to-income ratio: 71% Increased cost of risk: 66bp (vs 25bp in 2007) Group ROE after tax: 6.4% Solid Tier I Ratio: 8.8% Group net income: EUR 2 bn (+112% vs 2007) Earnings per share: EUR 3.38 (vs EUR 1.98 in 2007) First quarter 2009 Good operating and commercial performance in a deep recessionary environment. Cost-to-income ratio: 76.9% Group net income: EUR -278 mn (vs EUR mn at Q1 2008) SOCIETE GENERALE GROUP 2008 Highlights

4 Geniki’s profile A « Universal Bank » leveraging on Société Générale’s Retail Networks and Corporate and Investment Banking arm Key figures  Total assets: EUR 5 bn at end-2008  More than 332,500 customers  1,917 employees, 142 branches and 198 ATM’s (at end-2008) Moody’s Rating:  Long-term rating : Baa1  Short-term rating : Prime-2

5 Total Branches : 142 As of December 2008 Thessalonica : 16 branches Athens : 61 branches

6 Balance sheet structure Net loans increased by 24.7% (market growth at +16.4%) -7.9% decrease on deposits (market growth at +14.9%) Net Loans / Deposits & Repos remains at high levels: 162% Net Loans on Total Assets at 83% (76% in 2007) Deposits & Repos at 51% Capital Adequacy Ratio at 8.51%

7 +25% increase on Performing Loans Strong increase on loans to individuals: +14.2% vs market at +16%  Housing loans: +11% (market growth at +12%) New loans at 231 mn. €  Consumer loans: +31% (market growth at +16%) New loans +55% at 272 mn. €  Credit cards: +5% (market at +8%)  Leasing: -8% Corporate & Bond Loans: +40% vs market at +19%  Loans to Large Clients:+65%  Loans to Small-Medium enterprises:+6%  Loans to VSB&professionals:+31%

8 -8% decrease on Deposits & Repos balances Decrease of deposits by 8%, of which:  Time deposits:+2% (market at +40%)  Savings: -12.7% (market at -8.5%)  Current: -13% (market at -12.8%)

9 Profit & Loss : High increase of operating results NBI +13.5% Strict control of Group’s cost reduces the operating expenses. Decrease of Cost-to-income ratio. Provisions remained at high levels.

10 NBI : +14% Net Interest margin : +8%  Increase in interest income on individuals by 4% Increase in commissions (net): +3%  Commissions on corporate customers : +26% Revenues breakdown in EURm (*) data based on IFRS 8 – Segment Reporting

11 Expenses Decrease of operating expenses  Staff expenses reduced by 5%  Other administrative expenses (including depreciation) remained stable. Operating expenses breakdown in EURm

12 Evolution of Non-Performing loans & provisions (group level) Write-off in 2008 : 59,5 mn NPL coverage at 47% in 2008 Note: The increase of Non-performing loans in 2006 and 2007 came from the fact that at the Non-performing loans we also include the Basel II default loans. For the same reason, the NPL coverage ratio appeared importantly decreased at these years.

13 New production

14 SCI  EUR 175.7m  2.2 new per 1 old  Issue price = new nominal price = 0.72  Underwriting risk assumed fully by SG + Pledging of eligible non-tradable assets with ECB ++ Participation in actions 2 and 3 of the Greek Government Plan  More than EUR 600m additional liquidity +++ Liquidity support from SG SCI – Liquidity planning

Marketing & SynergiesMay GENIKI Bank presented 16 new products in 2008 Jan 08 Feb 08 Μarch 08 Αpr 08 May 08 June 08 July 08 Aug 08 Sep 08 Oct 08 Nov 08 Dec 08 Spiti Euribor Balance transfer Low Starting Interest Rate Christmas Offer 0 installment for 2 months Pollaplos Term Deposit 1 week Evimeria Term Deposit USD/Euro Sight Account Plus Saving Plus Term Deposit 6m/4m Military Care Plan Mortgage Stirixi Sogecap Open Loan Mortgage Consumer/ Credit Cards Deposit & Investment Bancassurance 2008 Business Financing Factoring

Marketing & SynergiesMay Indicative Advertising campaigns during 2008 (ATL & BTL) Open Credit- Sweet 15 TV Campaign in 2 bursts (mid. April – mid. June & Sept – Oct.) Outdoor in Athens & Province in 2 bursts (mid March – end March & end April – mid May) Presence in 6 TV channels (MEGA, NET, SKAI, ALPHA, ALTER, STAR) Insertions to all statements (credit cards, consumer loans, mortgage loans, mutual funds) In store promotion as product of the month. G-Club Neon (Youth package) n Leaflet distribution in universities, colleges & areas popular with students n Promotional competition among products holders and potential holders n Press insertions (Sept – Oct) n Internet ads (Sept – Oct) n Insertion to VISA Electron Neon credit cards statements n In store promotion as product of the month

Marketing & SynergiesMay Indicative Advertising campaigns during 2008 (ATL & BTL) Fixed Rate Mortgage Loans Press insertions (Targeted real estate magazines/newspapers & mainstream press) (mid June – end July) Internet ads (mid June – end July) Insertion to all statements (credit cards, consumer loans, mortgage loans, mutual funds) Hyper Katathesis – Super Deposit Programs TV campaign (mid Oct – early Nov) Insertions on weekend press In store promotion as product of the month

Marketing & SynergiesMay Indicative Advertising campaigns during 2008 (ATL & BTL) Investment – GENIKI Pollaplos Press insertions (mid April – mid May) Internet ads (mid April – mid May) X-mas Corporate Campaign TV Campaign (mid. Dec- beg. Jan) Presence in 6 TV channels (MEGA, NET, SKAI, ALPHA, ALTER, STAR)