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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 Julien Garnier, 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: servicequalite.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

Santa left us an unexpected gift: two small teachings!

Behavioural finance is defined by the application of psychology to finance: it differs from classical financial theory by considering individuals not as purely rational beings, but influenced by their emotions or by reasoning biases.

The month of December and its unavoidable figure - Santa Claus - are now behind us! Regardless of the gifts placed in our shoes, he offers us a playful parallel with some of the trends polluting our decisions.

An important choice of color...

It was impossible last month not to be attracted by a Santa Claus declined in various forms (costumes, stuffed animals, posters ...) and systematically bright red ... A choice of color important in many areas and especially in China where red is synonymous with prosperity ... and which can even influence some of our management acts

Thus, a study(1) teaches us that we reduce our acceptance of the risk of loss by 20% when it is expressed in red, the usual color of danger! Another effect of the color is that we are more pessimistic about the future performance of a stock when past negative performances are expressed in red (14.8% less propensity)! Experiments conducted with yellow and blue (two colors perceived by our brain as being as different from black as red) confirm that only the color of Santa Claus is involved! 

If the framing bias, which is defined by the influence of the mode of presentation on the decision, generally refers to the arguments put forward, this study opens up a new dimension: it makes us aware of the influences linked not to the presentation of the substance, but to the form. The impact of the form on our financial decisions is certainly worth keeping in mind at a time when society is evolving more and more towards visual communication, using images and videos! 

... but a belief close to those that persist in adulthood!

The field of research being limitless, there are a few studies trying to explain why adults encourage children to believe in Santa Claus(2), but especially one(3) demonstrating rationally - if need be! - that 350,000 tons of gifts traveling at 650 miles per second (that is, nearly 4 billion kilometers per hour) puts too much pressure on Santa Claus’s shoulders!

If children find a certain happiness in believing in Santa Claus, other beliefs (erroneous or true) also affect the not-so-young. Two studies from 1982 and 2010(4) conclude that more than 50% of students do not question the result given by a calculator - authoritative - previously rigged for the experiment, after seven wrong answers to easy problems!

We easily cling to beliefs when making decisions: unlike simple information, the belief is anchored in us and is imposed as a matter of course without being questioned. The consequences of the usual beliefs (full market efficiency, preconceived ideas about asset classes, certainty about the right allocation, etc.) in financial decisions are numerous: they range from the "simple" risk of scamming (belief in "miraculous" investments), to the risk of bubbles or crashes (collective beliefs), to erroneous individual decisions. So let's not hesitate to question ourselves and to question what seems obvious!

Thank you to Santa Claus for believing in me and letting me write about his outfit and the belief he inspires.


(1) « Visual Finance: The Pervasive Effects of Red on Investor Behavior »   

(2) "Contribution à une théorie de l'abandon des croyances : la fin du Père Noël", Gérald Bronner, 2004

(3) “Is there a Santa Claus?” by Richard Waller published in January 1990 in Spy Magazine 

(4) Electronic Bullies », Lois Timnick, February 1982 and “The Authority of the Calculator in the Minds of College Students” by  Bob Glasgow et Barbara J. Reys, 2010


WARNING

This document is an advertisement and has no contractual value. Its content is not intended to provide an investment service, nor does it constitute investment advice or a personalised recommendation on a financial product, nor insurance advice or a personalised recommendation, nor a solicitation of any kind, nor legal, accounting or tax advice from any entity under the responsibility of Société Générale Private Banking.

The information contained herein is provided for information purposes only, is subject to change without notice, and is intended to provide information that may be useful in making a decision. Past performance information that may be reproduced is not a guarantee of future performance.

Before subscribing to an investment service, financial product or insurance product, the potential investor (i) must read all the information contained in the detailed documentation for the service or product in question (prospectus, regulations, articles of association, key investor information document, term sheet, information notice, contractual terms and conditions, etc.), in particular those relating to the associated risks; and (ii)consult his legal and tax advisors to assess the legal consequences and tax treatment of the product or service being considered. His or her private banker is also available to provide further information, to determine with him or her whether he or she is eligible for the product or service under consideration, which may be subject to conditions, and whether it meets his or her needs. Accordingly, no entity within Société Générale Private Banking can be held responsible for any decision taken by an investor solely on the basis of the information contained in this document.

This document is confidential, intended exclusively for the person to whom it is given, and may not be communicated or brought to the attention of third parties, nor may it be reproduced in whole or in part, without the prior written consent of Société Générale Private Banking. For more information, click here.

Édouard Camblain Head of strategic projects & development