Contact

Are you a client? You should contact your private banker. 
You are not a client but would like to have more information about Societe Generale Private Banking? Please fill in the form below.

Local contacts

France : +33 (0) 1 42 14 20 00 (9am - 5pm)
Luxembourg : +352 47 93 11 1 (8:30am - 6pm)
Monaco : +377 97 97 58 00 (9/12am - 2/5pm)
Switzerland : Geneva +41 22 819 02 02
& Zurich +41 44 218 56 11 (8:30am - 5:30pm)

You would like to contact about the protection of your personal data?

Please contact the Data Protection Officer of Societe Generale Private Banking France by sending an email to the following address : protectiondesdonnees@societegenerale.fr.

Please contact Bieneke Russon, the Data Protection Officer of Societe Generale Bank & Trust Luxembourg by phone : +352-47.93.93.11.5046 or by sending an email to the following address : lux.dpooffice@socgen.com.

Please contact Céline Pastor, the Data Protection Officer of Societe Generale Private Banking Monaco by sending an email to the following address : list.mon-privmonaco-dpo@socgen.com

Please contact Omar Otmani, the Data Protection Officer of Societe Generale Private Banking Switzerland by sending an email to the following address : sgpb-gdpr.ch@socgen.com.

You need to make a claim?

 Any claim addressed to Societe Generale Private Banking France should be sent by e-mail to the following address : FR-SGPB-Relations-Clients@socgen.com or by mail to : 

Société Générale Private Banking France
Direction Commerciale
29 boulevard Haussmann CS 614
75421 Paris Cedex 9

The Bank will acknowledge your request within 10 days after receipt and provide a response to your claim within 60 days of receipt. If your request requires additional processing time (e.g. if it involves complex researches…), the Bank will inform you by mail. 

In the event that the response you receive does not meet your expectations, we suggest to contact : 

 

The Societe Generale Group’s Ombudsman

The Societe Generale Group’s Ombudsman can be contacted by the following website : mediateur.societegenerale.fr  or by mail :

Le Médiateur auprès de Société Générale
17 Cours Valmy 
92987 PARIS LA DEFENSE CEDEX 7
France

In reviewing any matter, the Ombudsman undertakes the consideration of both the client’s and the bank’s point of view, evaluates arguments from each of the parties and makes a decision in all fairness.

The Group’s Ombudsman will respond to you directly within two months of receipt of the written submissions of the parties relating to the claim.

 

The Ombudsman of the AMF

The Ombudsman of the Autorité des Marchés Financiers (AMF) can be contacted at the following address :

Médiateur de l'AMF, Autorité des Marchés Financier
17 place de la Bourse
75082 PARIS CEDEX 02
FRANCE


The Insurance Ombudsman

Please contact the Insurance Ombudsman : contact details must be mentioned in your insurance contract.

To ensure that your requests are handled effectively, any claim addressed to Societe Generale Bank & Trust should be sent to:

Private banking Claims department
11, Avenue Emile Reuter
L-2420 Luxembourg

The Bank will acknowledge your request within 10 days and provide a response to your claim within 30 days of receipt. If your request requires additional processing time (e.g. if it involves complex research), the Bank will inform you of this situation within the same 30-day timeframe.

In the event that the response you receive does not meet your expectations, we suggest the following :

Initially, you may wish to contact the SGBT Division responsible for handling claims, at the following address:

Corporate Secretariat of Societe Generale Bank & Trust
11, Avenue Emile Reuter
L-2420 Luxembourg

If the response from the Division responsible for claims does not resolve the claim, you may wish to contact Societe Generale Bank & Trust's supervisory authority, the Commission de Surveillance du Secteur Financier (Financial Sector Supervisory Commission) :

By mail: 283, Route d’Arlon L-1150 Luxembourg
By e-mail:direction@cssf.lu

 Any claim addressed to Societe Generale Private Banking Monaco should be sent by e-mail to the following address : reclamation.privmonaco@socgen.com or by mail to our dedicated department : 

Societe Generale Private Banking Monaco
Middle Office – Service Réclamation 
11 avenue de Grande Bretagne
98000 Monaco

The Bank will acknowledge your request within 2 days after receipt and provide a response to your claim within 10 days of receipt. If your request requires additional processing time (e.g. if it involves complex researches…), the Bank will inform you of this situation within the same 30-day timeframe. 

In the event that the response you receive does not meet your expectations, we suggest to contact the Societe Generale Private Banking Direction that handles the claims by mail at the following address : 

Secrétariat Général de Societe Generale Private Banking Monaco 
11 avenue de Grande Bretagne 
98000 Monaco

Any claim addressed to the Bank can be sent by email to: sgpb-reclamations.ch@socgen.com
Clients may also contact the Swiss Banking Ombudsman : www.bankingombudsman.ch

Understanding Responsible Investment #4 - The three characteristics of SRI 1/2

Discover the fourth episode of our "Understanding Responsible Investment" podcasts series.

"Understanding Responsible Investment" Podcasts

Episode #4: "The characteristics of SRI 1/2"

 

by our CSR expert Dorothée Chapuis,

Head of Corporate Social Responsibility for Société Générale Private Banking Luxembourg, Monaco and Switzerland.

Interview with Petra Besson, 

Portfolio Management at Société Générale Private Wealth Management

Click on the button below to play.

Spotify

Apple Podcasts

Full Script:

Dorothée Chapuis: Hello everyone and welcome to the fourth episode of our "Understanding Responsible Investment" podcasts series. I am Dorothée Chapuis, Head of CSR for Société Générale Private Banking Luxembourg, Monaco and Switzerland, and I am with Petra Besson, Portfolio Manager at Société Générale Private Wealth Management. 

Dorothée Chapuis: Petra, what are the elements that define responsible portfolio management?

Petra Besson: There are three principles that define socially responsible investment management, or SRI management. First of all, the type of responsible management approach, then, voting and commitment policy, and finally, transparency and reporting.

Petra Besson: There are three approaches generally adopted by fund managers, which I will describe. The first approach is based on exclusions: this is the most common approach. Most SRI strategies exclude from their investment universe issuers that do not meet certain criteria related to their practices and activities. This is based both on ethical considerations and the desire to avoid reputational riskfor the investor. Exclusions related to the practices of issuers areaimed at issuers that do not comply with major international treaties such as the Ottawa Convention, which prohibits the acquisition, production, stockpiling and use of anti-personnel mines, or the United Nations Global Compact, which includes ten principles relating to respect for human rights, international labour standards, the environment and the fight against corruption. This is known as normative exclusionThese exclusions that are aimed at sectors of activity are more in line with ethical or value-based criteria. Among the activities most often excluded are unconventional fossil fuels, the arms sector, tobacco or agent gambling, etc. Let me remind you that at Societe Generale Private Banking we apply an exclusion filter on all our portfolios, funds and mandates, on controversial weapons, on non-compliance with the United Nations Global Compact, and on companies with the most severe ESG (environmental, social and governance) controversies. For funds under SRI management, we go further in the exclusions as we exclude companies the turnover of which has more than 15% exposure to the arms, gaming, pornography, tobacco and GMO sectors.

Dorothée Chapuis: Let's look at the first principle: the management approach. How can non-financial factors be taken into account in the management process?

Dorothée Chapuis: Thank you, Petra. So as an investor, a first way to take into account sustainable development criteria is to exclude certain companies or sectors of activity. What is the second approach?

Petra Besson: It's the one based on multi-sector ESG selection: the idea here is to select issuers according to their ESG rating, a notion we defined in the first podcast.  If the fund manager invests in companies with the best ESG ratings without excluding any sector of activity, this is known as the "Best-in-class" approach.  This is a very common approach, particularly in France where it accounts for the majority of SRI assets under management. Funds managers can also base their choices on the best prospects for improving the ESG rating, in which case it is referred to as a "Best-Effort" approach.  This latter approach is interesting: by preferring companies that improve their practices, we maximise the portfolio's impact in favour of sustainable development, no doubt more than by preferring companies with the best ESG ratings and which therefore no longer have much investment to make to improve their practices because they are already excellent. There is a third way in ESG multi-sector selection. This is the "Best-in-Universe" selection: the manager selects stocks with the best ESG ratings across all economic sectors. This type of strategy will de facto rule out certain sectors such as the most polluting activities or those with high CO2 emissions, for example. Of course, I would remind you that ESG selection of any kind can be combined with in-depth financial analysis, and stock selections are made according to the best risk/return profile.

Petra Besson: This is the thematic selectionThe fund manager invests in sectors directly linked to sustainable development issues such as renewable energies, energy transition, or in social issues such as diversity, health or education for example. Responsible managers often combine these approaches Notably the exclusion approach which is associated with the selection approach or the thematic approach.  The management company or manager first defines its investment universe including exclusions and then builds its portfolio using multi-sector or thematic selection. Regardless of the selection approach chosen, classic financial criteria such as the strength of the company, its earnings capacity, its competitive positioning, etc. are always part of the investment analysis. For our SRI management offer, it is the combined approach of exclusion (I mentioned this just before) and Best-in-Class and Best-Effort multi-sector selection that we have chosen at Societe Generale Private Banking.

Dorothée Chapuis: All right, Petra. As an investor, I can therefore look at how a manager takes ESG criteria into account, what selective approach he uses. You told me at the beginning of our exchange that there are three approaches, so what is the last way to operate responsible management?

Dorothée Chapuis: So to sum up, as a responsible investor, I can look at the way in which extra-financial criteria are taken into account, either exclusion, or selection, or thematic approach, or a combination of these approaches. We will see in our next podcast the other principles that characterize socially responsible investment, namely engagement and reporting. Goodbye Petra and thank you very much for your insights.


This podcast is part of a series of episodes proposed by Societe Generale Private Banking to understand responsible investment. It is available on the Spotify and Apple Podcast streaming platforms via the "#Private Talk by Societe Generale Private Banking" program and on our website www.privatebanking.societegenerale.com. Feel free to subscribe to be notified when the next episode is released and to spread the word.

Would you like to discuss this subject further with us?

Important information
The content provided on this page is for informational purposes only and is not contractually binding. The materials contained herein are not intended to provide investment advice or any other investment service and do not constitute a personal recommendation, advice, or an offer from Societe Generale Private Banking to purchase, sell or subscribe to investment services and/or financial products and/or investments in the aforementioned asset class. Some of the products, services and solutions described can carry various risks and involve the potential loss of the entire invested amount, if not theoretically unlimited loss. As such, they are reserved for a certain category of investors and/or adapted solely for informed investors who are eligible for such products, services and solutions. The information set out above shall not be considered legal, tax or accounting advice.
The wealth management and financial solutions, offers, products, services and activities mentioned on this page depend on each client’s personal situation, the legislation applying to them, and their tax residence. Consequently, the offer presented may not be eligible for implementation, adaptation or approval at all of the Societe Generale Private Banking entities and must comply with Societe Generale Group's Tax Code of Conduct. Furthermore, access to some of these products, services and solutions is subject to specific conditions, notably in respect of eligibility.
Please contact your private banking adviser to check that these offers meet your needs and are suited to your investor profile (knowledge, experience in investment, financial situation, including ability to withstand losses, and investment objectives, including risk tolerance).
Societe Generale Private Banking shall under no circumstances be held liable for any decision taken by a reader on the basis of this information. Before Societe Generale Private Banking can provide a potential investor with an investment service and/or a subscription to financial products, the investor must first be made aware of, understand and sign the related informative and contractual documentation, notably in respect of the associated risks (prospectus, Key Investor Information Document, Term Sheet, etc.). The potential investor must not base his/her investment decision and/or give investment instructions solely on the basis of this document.
All Societe Generale Private Banking entities reserve the right not to update or amend this document and shall accept no liability in this regard. The present document has the sole aim of informing investors, who will make their investment decisions without overly relying on this publication. The Societe Generale Private Banking entities shall under no circumstances be held liable for the accuracy, relevance or exhaustiveness of this information. The Societe Generale Private Banking entities give no explicit or implicit guarantees as to the accuracy or exhaustiveness of this information or of the profitability or performance of any asset class, country or market.
This document is not intended as a list or summary of all the terms and conditions pertaining to financial products, nor to identify all or some of the risks that may be involved in the acquisition and/or sale of a financial product/investment in any of the aforementioned asset classes.
The historical data and the information and opinions herein have been obtained from, or are based upon, external sources that Societe Generale Private Banking entities believe to be reliable but have not been independently verified. The Societe Generale Private Banking entities shall under no circumstances be liable for the accuracy, relevance or exhaustiveness of this information. Information provided on past performance, even repeated performances, is in no way a guarantee of future performance and may not be repeated. The value of an investment is not guaranteed and the value of investments may fluctuate. These forecasts about future performances are based on assumptions which may not be realised and do not therefore provide any assurance or guarantee with regard to the expected results of the investments in the aforementioned asset classes.
Generally speaking, Societe Generale Group companies may be market makers, conduct transactions involving the securities referred to on this page, and may provide banking services to companies whose asset classes are mentioned on this page, as well as the subsidiaries thereof. Societe Generale Group companies may, from time to time, conduct transactions, generate profits, hold securities or act as adviser, broker or banker in relation to these securities, or derivatives thereof, or in connection with the asset classes mentioned in this document. Societe Generale Group companies may, from time to time, acquire or liquidate positions on the securities, or the underlying assets (including derivatives), mentioned on this page or, where applicable, any other assets. Consequently, this may affect any returns for a potential investor either directly or indirectly. Societe Generale Group companies have no obligation to disclose this page or take it into account in providing advice or conducting transactions with a client or on behalf of a client. The administrative structure of the Societe Generale Group includes all safeguards needed to identify, control and manage conflicts of interest. To this end, Societe Generale Private Banking entities have implemented a conflict of interest management policy to prevent such conflicts of interest. For further details, Societe Generale Private Banking clients may refer to the conflict of interest management policy given to them by the Societe Generale Private Banking entity of which they are clients.

Claire Douchy Head of philanthropic and SRI offerings Societe Generale Private Banking