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 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

Family businesses: a specific support

To make the most of their undeniable assets, family businesses need even more than other ones to set up adapted governance. Valérie Tandeau de Marsac, lawyer and Doctor in Management Science is interviewed by Julie Boussin, Head of Wealth Engineering at Societe Generale Private Banking France.

Why did you choose to accompany family businesses?

In my opinion, family businesses are a little-known model, even though they represent the great majority of the economic fabric and provide most of the jobs in France, Europe and the entire world. That’s why I wanted to analyze, and even model, what makes them unique and what allows us to explain their outperformance, through a new 3 "C" model:

  • Control - a factor of cohesion and independence,

  • Continuit - characterizing the long-term perspective and the desire to transfer the company within the family,

  • and the additional Social Capital - a set of specific and hard to reproduce resources that result from these two elements, associated with local roots.

While family ties can be a source of conflict, the ability to find a balance within the family business releases a very positive energy. My mission is to help shareholders structure the capital and organize the governance of the company, to get the best out of it. In so doing, I enrich my profession, which echoes a family vocation, with an absolutely exciting emotional and entrepreneurial dimension.

What advice would you give to family businesses to make the most of their specificities and to take advantage of their own positive energies?

There is only one way: to grasp the subject, and not to hesitate to be supported. When I intervene, I begin by listening to each member of the family, whether they are involved in the business or not. This simply because, under French inheritance laws, if the transfer of a company is not anticipated, each child is destined to become a shareholder. To anticipate a generational transition, we must be wary of non-dictions, beliefs and implicit inferences that can bias decisions. I help the family I accompany identify the lowest common denominator of any possible agreement. I also help identify and quantify different scenarios for the evolution of capital and governance. It is on this basis that we can build a project for the company and for the family, which can then be described in a family charter. At the end of the process, technical solutions (transmission, shareholder restructuring, etc.) naturally follow. Clarify objectives before choosing and implementing technical solutions. This is a simple principle, that can apply to everyone, but that is even more essential in family businesses!

How can young generations be included in a family business? How to combine a model renewal objective with a coninuity goal?

To succeed in the long term, a family business must know how to combine prudence and audacity; it must renew itself without losing its identity. To do this, we must involve the younger generations and give them enough autonomy so that they can appropriate the business project. It’s not always easy, because you have to manage the risks of disagreement: it’s the complexity and wealth of a family business… But there is not only one possible role for younger generations: you can be a shareholder in a company without running it, provided you play your role as a shareholder. Like any investor, the family shareholder must ensure that the risk/profitability couple remains satisfactory to him. If this is no longer the case, he or she must be able to find liquidity, which must therefore be organised upstream. But the first generation can also pass on to their children a taste for entrepreneurship… without passing on the company!

In parallel with your activity with family businesses, you are founder and president of voxfemina, can you tell us about the actions of the association?

Despite the increase in the presence of women in the media, we find that their speaking time remains lower than that of men. To move towards a better balance, we work to identify and present credible women as experts to the media. For the past six years, we have organized the “Femmes En Vue” contest: the winners selected by our jury of partners benefit from a media training and leave with a video that will serve as an audio-visual signature.

 


Valérie Tandeau de Marsac: A graduate from HEC (1982) and a lawyer (since 1996), Valérie Tandeau de Marsac chose to specialize in supporting family businesses and entrepreneurial families I 2010. Her firm, VTM Conseil FamilyBusinessLaw, imagines and implements legal and tax engineering solutions for shareholders and entrepreneurs, start-ups, buyers or family businesses in France (SME(1), ETI(2) or large groups). Valérie Tandeau de Marsac is also a founder and President of voxfemina – Paroles d'experts au féminin, an association created in 2010 to promote the visibility of women’s expertise in the media.

 


(1) In France, Small and Medium-sized Enterprises (SMEs) are those which, on the one hand, employ fewer than 250 persons and, on the other hand, have an annual turnover not exceeding EUR 50 million or a balance sheet total not exceeding EUR 43 million.

(2) In France, an ETI (“Entreprise de Taille Intermédiaire”), meaning intermediate enterprise is an enterprise with between 250 and 4,999 employees, and either a turnover not exceeding EUR 1.5 billion or a balance sheet total not exceeding EUR 2 billion. A company with fewer than 250 employees, but more than €50 million in turnover and more than €43 million in balance sheet total, is also considered an ETI.

Would you like to discuss this subject further with us?

This document, of an advertising nature, has no contractual value. Its content is not intended to provide an investment service, it does not constitute investment advice or a personalised recommendation on a financial product, or a personalised advice or recommendation on insurance, or a solicitation of any kind, legal, accounting or tax advice from Société Générale Private Banking France.

The information contained is for information purposes only, may be modified without prior notice, and is intended to communicate information that may be useful for decision-making. Any information on past performance reproduced does not guarantee future performance.

Before any investment service, financial product or insurance product is subscribed, the potential investor (i) must be aware of all the information contained in the detailed documentation of the proposed service or product (prospectus, regulations, articles of association, document entitled “key information for the investor”, term sheet, information notice, contractual conditions, etc.), particularly those related to the associated risks; and (ii) consult their legal and tax advice to assess the legal consequences and tax treatment of the proposed product or service. His private banker is also at his disposal to provide him with further information, to determine with him whether he is eligible for the envisaged product or service which may be subject to conditions, and whether he meets his needs.  Consequently, Societe Generale Private Banking France cannot be held responsible under any circumstances for any decision taken by an investor based solely on the information contained in this document.

Future performance forecasts are based on assumptions that may not materialize. The scenarios presented are estimates of future performance, based on past information on how the value of an investment varies and/or current market conditions, and are not accurate indications. The return obtained by investors will have to vary according to the market performance and the duration of the investment’s retention by the investor. Future performance may be subject to tax, which depends on the personal situation of each investor and is likely to change in the future.

For a more complete definition and description of risks, please refer to the product prospectus or, where applicable, to other regulatory documents (if applicable) prior to any investment decision.

This document is confidential, intended exclusively for the person to whom it is given, and may not be communicated or disclosed to third parties, or reproduced in whole or in part, without the prior written consent of Société Générale Private Banking France. For more information, click here.