Private clients Financial intermediaries

Become a client

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 53 43 87 00 (9am - 6pm)
Luxembourg: +352 47 93 11 1 (8:30am - 5:30pm)
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 us 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 the Data Protection Officer of Societe Generale Luxembourg by sending an email to the following address: lux.dpooffice@socgen.com.

For customers residing in Italy, please contact BDO, the external provider in charge of Data Protection, by sending an email to the following address: lux.dpooffice-branch-IT@socgen.com

Please contact 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 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?

Societe Generale Private Banking aims to provide you with the best possible quality of service. However, difficulties may sometimes arise in the operation of your account or in the use of the services made available to you.

Your private banker  is your privileged contact to receive and process your claim.

 If you disagree with or do not get a response from your advisor, you can send your claim to the direction  of Societe Generale Private Banking France by email to the following address: FR-SGPB-Relations-Clients@socgen.com or by mail to: 

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

Societe Generale Private Banking France undertakes to acknowledge receipt of your claim within 10 (ten) working days from the date of its receipt and to provide you with a response within 2 (two) months from the same date. If we are unable to meet this 2 (two) month deadline, you will be informed by letter.

In the event of disagreement with the bank  or of a lack of response from us within 2 (two) months of sending your first written claim, or within 15 (fifteen) working days for a claim about a payment service, you may refer the matter free of charge, depending on the nature of your claim, to:  

 

The Consumer Ombudsman at the FBF

The Consumer Ombudsman at the Fédération Bancaire Française (FBF – French Banking Federation) is competent for disputes relating to services provided and contracts concluded in the field of banking operations (e.g. management of deposit accounts, credit operations, payment services etc.), investment services, financial instruments and savings products, as well as the marketing of insurance contracts.

The FBF Ombudsman will reply directly to you within 90 (ninety) days from the date on which she/he receives all the documents on which the request is based. In the event of a complex dispute, this period may be extended. The FBF Ombudsman will formulate a reasoned position and submit it to both parties for approval.

The FBF Ombudsman can be contacted on the following website: www.lemediateur.fbf.fr or by mail at:

Le Médiateur CS 151

75 422 Paris cedex 09

 

 

The Ombudsman of the AMF

The Ombudsman of the Autorité des Marchés Financiers (AMF - French Financial Markets Authority) is also competent for disputes relating to investment services, financial instruments and financial savings products.

For this type of dispute, as a consumer customer, you have therefore a choice between the FBF Ombudsman and the AMF Ombudsman. Once you have chosen one of these two ombudsmen, you can no longer refer the same dispute to the other ombudsman.

The AMF Ombudsman can be contacted on the AMF website: www.amf-france.org or by mail at:

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


The Insurance Ombudsman

The Insurance Ombudsman is competent for disputes concerning the application or interpretation of insurance contracts.

The Insurance Ombudsman can be contacted using the contact details that must be mentioned in your insurance contract.

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

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

Or by email to clienteleprivee.sglux@socgen.com and for customers residing in Italy at societegenerale@unapec.it

The Bank will acknowledge your request within 10 working days and provide a response to your claim within 30 working 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-working 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 Societe Generale Luxembourg Division responsible for handling claims, at the following address:

Corporate Secretariat of Societe Generale Luxembourg
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 Luxembourg's supervisory authority, the “Commission de Surveillance du Secteur Financier”/“CSSF” (Luxembourg Financial Sector Supervisory Commission):

By mail: 283, Route d’Arlon L-1150 Luxembourg
By email:
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 working days after receipt and provide a response to your claim within a maximum of 30 working 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-working 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: 

Societe Generale Private Banking Monaco
Secrétariat Général
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

 

Investing in a positive and sustainable way

Are you concerned about investing responsibly and want your financial investments to meet your convictions - respect for the environment, human rights or climate change? By investing in our positive and sustainable solutions, or by opting for socially responsible management, respecting your investor profile, you are helping to create a fairer society without giving up the desire to achieve financial performance.

Understand your needs

Societe Generale Private Banking offers you the opportunity to give more meaning to your assets by investing in solutions that go beyond the usual financial criteria to include the social dimension. This is assessed on the three pillars of Environment, Social and Governance (ESG).

Together we develop an appropriate investment strategy that suits you, analysing in detail all your investment needs such as your risk tolerance, performance objectives and sustainability investment preferences.

Our experts will be able to help you decipher the themes that most affect you, such as the biosphere, social and economic issues.

Discretionary

How to access extra-financial information to select securities correctly? How is my portfolio aligned with an approach to progress on ESG issues? How can I be sure to invest only in securities that promote a sustainable economy that respects people and the environment? Beyond financial issues, there are many questions for the responsible investor.

If you have neither the time nor the knowledge on these issues, you may choose to entrust the management of your assets to a financial market expert who also has knowledge of socially responsible investment (SRI). He or she will introduce you to Societe Generale Private Banking's responsible management approach.

Advisory

We provide you with the expertise you need to make the best investment decisions, while allowing you to maintain control of your portfolio.

Our open-architecture model gives you access to sustainable investment across all asset classes as well as the best sustainable investment solutions.

This way, you remain in control of your decisions while benefiting from our advice on responsible management, which we adapt to your needs and your investor profile. An investment expert with access to extra-financial information guides you in the implementation of your strategy, then accompanies you on an ongoing basis and suggests potential adjustments to your portfolio(*).

 

(*) These products include a donation to partner associations fighting against cancer, poor housing, unhappy childhood or supporting the disabled.

Why us ?

SRI discretionary management: a robust approach

By choosing to entrust us with the responsible management of your portfolio, we will exclude for you those companies whose activities we consider incompatible with a sustainable future.

In addition to the traditional financial analysis inherent in asset management, you will benefit from extra-financial analysis aimed at selecting the shares or securities of issuers that "perform best" in terms of environmental, social and governance (ESG) criteria.

Our SRI investment process is the same as the one applied in our SRI funds that have obtained the French state label or the Luxflag label in Luxembourg. We are a signatory of the UN PRI (United Nations Principles for Responsible Investment) as an asset manager.

ESG advisory

You will have turnkey solutions rigorously selected by our external fund selection platform to invest responsibly.

You will have access to the expertise and innovations of the Societe Generale Private Banking teams, whether in positive and sustainable structured products or SRI ETFs (Exchange Trade Fund)(*) issued by Lyxor, Societe Generale's asset management subsidiary.

 

(*) An ETF is a financial instrument listed on the stock exchange that allows the real time reproduction of the evolution of a stock exchange index.

Step by step

#1

Analysis of your level of knowledge and experience in responsible financial investments and your risk tolerance.

#2

Analysis of your objectives, of your expectations in terms of performance and of the interaction modalities you desire, as well as of your preferences in terms of sustainable development. We will seek to refine our understanding of your approach: what are your preferred themes? How much of your assets should include ESG considerations? Which management approach do you wish to favour between exclusions, multi-sectoral or thematic selection?

In this respect, we have developed the "My Sustainable Future" tool, a self-assessment test of your knowledge and preferences in terms of sustainability. Click here to access the questionnaire.

#3

Choice of your management solution.

Did you know ?

A very dynamic market…

In Europe, the increase in assets incorporating ESG factors was 60% between 2016 and 2018, representing more than 4,000 billion euros in assets under management(*).

… that will become the dominant market in coming years.

In 2015 the United Nations proposed seventeen Sustainable Development Goals (SDGs). Societe Generale Private Banking gathered these seventeen objectives under three dimensions: biosphere, society and responsible economy (see picture here).

(*) See the 2018 eurosif study: www.eurosif.org/wp-content/uploads/2018/11/European-SRI-2018-Study-LR.pdf

Questions/Answers

Many academic studies* have shown that SRI offers similar returns to other investments. The inclusion of extra-financial risk factors often reduces volatility. However, as the saying goes, past performance is no guarantee of future performance. By investing in ESG-compliant companies, you contribute to long-term sustainability.

(*) Source: www.lelabelisr.fr and notably the reports on ESG AND FINANCIAL PERFORMANCE (Article by Gunnar Friede, Timo Busch & Alexander Bassen (2015)), Journal of Sustainable Finance & Investment. FINANCIAL PERFORMANCE OF SRI (Revelli-Viviani article (2014)) – Business Ethics: A European Review

ESG investment requires specific skills and expertise. However, this should not increase costs.

Actually, the first stage of ESG filtering is based on ethics. It consists in excluding companies doing business in sectors incompatible with the investor’s values (e.g. tobacco, weapons). There also exists a more global SRI approach called “best in class”, where only the issuers with the highest ESG ratings are selected, whatever their economic sector.

It’s the same. Socially responsible investments (SRI) take ESG criteria into account. France has created two labels for funds: the SRI Label based on the United Nations’ Principles for Responsible Investment (UN PRI)* and the TEEC label (Transition Energétique et Ecologique pour le Climat, or Energy and Ecological Transition for the Climate). However, funds tend to be called “SRI funds” in both cases.

(*) UN PRI definition of SRI: Responsible investment is an approach to managing assets that sees investors include environmental, social and governance (ESG) factors in their decisions about what to invest in, so as to better manage risks and generate sustainable long-term returns.  https://www.unpri.org/an-introduction-to-responsible-investment/what-is-responsible-investment/4780.article

First, there is a direct impact, as asset managers don’t limit their involvement to selection. They also encourage issuers to improve their ESG practices and, when possible, they vote at shareholder meetings (they can even oppose resolutions that do not meet their ESG requirements).

Second, there is a more indirect impact. The issuers the least ESG compliant will now struggle to raise money on financial markets. 

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.