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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:

Please contact the Data Protection Officer of Societe Generale Luxembourg by sending an email to the following address:

For customers residing in Italy, please contact BDO, the external provider in charge of Data Protection, by sending an email to the following address:

Please contact the Data Protection Officer of Societe Generale Private Banking Monaco by sending an email to the following address:

Please contact the Data Protection Officer of Societe Generale Private Banking Switzerland by sending an email to the following address :

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: 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 it is sent 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: or by mail at:

Le Médiateur de la Fédération Bancaire Française
CS 151
75422 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: or by mail at:

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

The Insurance Ombudsman

The Insurance Ombudsman is competent for disputes concerning the subscription, 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 and for customers residing in Italy at

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:

Any claim addressed to Societe Generale Private Banking Monaco should be sent by e-mail to the following address: 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:

Clients may also contact the Swiss Banking Ombudsman:


Inspired by life : Rethinking the modern world

Laura Magro

Deputy Director in charge of scientific development at the Centre for Studies and Expertise in Biomimicry (Ceebios).

Ceebios is a SCIC (cooperative for collective interest) which brings together a network of expert actors in France and is developing the resources essential for the application of biomimicry by the academic, institutional and private sectors.

Éric Rampelberg

Vice President & General Manager, Southern Europe, South Asia and South East at Interface, an American manufacturer of floor coverings and world leader in carpet tiles, head-quartered in Atlanta.

How do you define biomimicry and why is it becoming increasingly important?

Laura Magro: Biomimicry involves the drawing of inspiration from living things in order to boost innovation, especially in a sustainable way. It is about understanding how to meet the challenges of sustainable development by relying on knowledge and the principles of living strategies that have been ‘selected’ by over 3.8 billion years of evolution. It is an approach that is both philosophical and scientific, which requires a strongly interdisciplinary approach, bringing together biologists, engineers, architects, designers, and so on. It is structured around a design methodology which encourages us to consider any technical problem from the point of view of living things in order to find a sustainable solution.

Humanity has always been inspired to create by processes found in the natural world. Leonardo da Vinci’s flying machines is well known, for example. But it was around the 2000s that scientific publications clarified the concept of biomimicry, as defined by the American researcher Otto Schmitt. American biologist Janine Benyus popularised it by showing that we could draw inspiration from living organisms as a model of sustainability at all scales, from the smallest, at the nanometre scale, to the largest at ecosystem scale. Biotechnologies have enabled a tremendous development in knowledge of living things. The entire challenge of biomimicry is in promoting them for the creation of products and models for sustainable organisations.

Why did Interface take an interest in biomimicry?

Éric Rampelberg: Biomimicry is part of the overall environmental strategy of the company, begun in 1994 by the founding CEO, Ray Anderson, after he read the book The Ecology of Commerce, by Paul Hawken. This strategy, awarded the United Nations Global Climate Action Prize in 2020, is based on two major orientations.

The first, the Mission Zero initiative, aimed to have zero negative impact on the environment in 2020, and today all our products(1) are carbon neutral(2). The second, the Climate Take Back, aims to make Interface a regenerative company, capable of creating value for the environment by 2040. With this global approach, biomimicry is fully integrated into in the design and sustainability considerations of our products and our production processes.

It is based on the belief that the right solutions exist, and are already present, in nature. Like Paul Hawken, Janine Benyus joined the Eco Green Team of the company to support it in this process.

The ArtScience Museum, Singapore. Its shape, inspired by the lotus flower, allows it to recover and reuse rainwater, while optimising the diffusion of natural light.

How does this approach concretely help to create sustainable innovations?

L. M.: Living systems use a limited range of otherwise abundant resources (oxygen, carbon, hydrogen, etc.) to intervene over a wide spectrum of mechanical and functional domains optimised by evolution. Their adaptation strategies are efficient and resilient (material recycling, frugal energy consumption, etc.).

The living world also offers genuine ecological specifications from which we have a lot to learn in the design of materials and industrial processes that are less polluting, economical with energy and, with respect to materials, recyclable, in accordance with the imperatives of the ecological transition. To take a few concrete examples: in energy, there are tidal energy turbines that imitate the wave movements of marine organisms so as not to disturb the marine ecosystem; in materials, the biomineralisation observed in marine sponges can be used to define glass manufacturing processes at ambient temperature and pressure; in the building industry, it is an algorithm inspired by phyllotaxis(3) plants that can be used to optimise the development of a district in terms of sunlight exposure; in the digital world, there are vision sensors inspired by the human retina, combining computing power and low energy consumption.

What product innovations at Interface result from biomimicry?

É. R.: Initially, we started with the design of carpet tiles, taking inspiration from the shapes of living things. Our designers went to the forest to observe the layout of forest floors. Their apparently random nature has given rise to a new way of thinking about modular flooring. In 2001, Interface launched Entropy, a carpet tile with a non-directional pattern. This principle allows individual replacement of the tiles and installation in any direction with great benefits in terms of waste produced: 1.5% against 14% on average for the installation of a traditional carpet. Today, the range of our products that are designed with this randomness in mind represents more than 50% of our sales worldwide.

Biomimicry is involved in the manufacture of materials. For example, the company wanted to replace the method of bonding tiles, which generates VOCs (volatile organic compounds). The new product “TacTiles” is inspired by the complex adhesion system of the gecko’s legs and replaces the adhesives usually employed to bind tiles. Result: VOC emissions are almost zero.

This type of innovation is fully in line with the Life Cycle Sustainability Assessment (LCSA) approach, by which we assess the footprint of our products from the extraction of raw materials to their end of life. This eco-responsible vision accompanied by biomimicry is a powerful vector of innovation that has allowed us to stay at the forefront of the development of new trends and regulatory frameworks, helping power our growth as an organisation.

Humanity has always been inspired to create by processes found in the natural world. Leonardo da Vinci’s flying machine is well known, for example.
Laura Magro

How do you prevent a very high-speed train, like the Japanese Shinkansen, from making toomuch noise, due to high air pressures, while passing through tunnels?
To answer this question, engineer Eiji Nakatsu was inspired by the beak of the kingfisher, a bird that dives into water while barely causing a ripple.

What is the economic potential of biomimicry and which countries are most active in this field?

L. M.: The economic impact of biomimicry promises to be significant because it is a lever for sustainable innovation in many, if not all sectors of economic activity, from housing and construction to digital, including energy, health, chemicals and materials, agriculture, but also water, waste, textiles, etc. It is estimated that the global market for biomimicry will be $18.5 billion by 2028 according to a study by the American BIS Research Institute(4). Its economic impact would represent $425 billion extra on the GDP of the United States by 2030 and could create over two million jobs. In a region like Nouvelle-Aquitaine, more than 31,000 jobs could be created within ten years if biomimicry was fully rolled out across its entire economy. Asian countries – in particular Japan – the United States, Germany, the United Kingdom, Switzerland and, more recently, France are embracing this approach. The United States and Germany have invested significantly. Germany is at the forefront in Europe because it has implemented a national strategy over the last twenty years and structured a network around two major research centres, Biokon and BK(6).

How is France positioned with respect to this innovative approach?

L. M.: First of all, we must recognise the undeniable asset of France, which benefits from exceptional biodiversity with the collections of the National Museum of Natural History among the richest in the world, and the diversity of its natural environment. The country possesses immediate access to 10% of the world’s known species, particularly when its overseas territories are taken into account. These are key resources for when taking a bio-inspirational approach. The entrepreneurial ecosystem is growing, with 200 companies interested in biomimicry and start-ups that have raised more than 500 million euros since 2015. Public actors are also showing increasing interest(7). The CNRS(8) cites bio-inspiration as a major direction for promoting research to be deployed over the next five years and has launched the BIOMIM research group.

Our centre is working with Ademe(9) to integrate biomimicry into its project tendering. The approach is being developed among large manufacturers concerned with aligning environmental and economic performance, like L’Oréal, for example, which has integrated biomimicry into its strategic research and development roadmap, as well as the energy company RTE and even the real estate developer Icade. The construction sector is a clear illustration of where the transformative potential of biomimicry, which contributes to the emergence of regenerative buildings that produce positive impacts in their environment, is being applied. It is a radically new way of thinking about the city of tomorrow.

Biomimicry (...) is based on the belief that the right solutions exist, and are already present, in nature.
Éric Rampelberg

What does the concept of a regenerative business mean for Interface?

É. R.: Biomimicry supports the company’s eco-responsible approach beyond product design, on a systemic scale. In partnership with Biomimicry 3.8, we have been developing the “Factory as a Forest” (FaaF) methodology since 2016, which echoes this question: “How do we make our company function like a forest?”.

The idea is to go beyond “zero impact” to create factories that generate positive impacts in the ecosystems where they are located. Indices relating to carbon, water, soil, temperature, biodiversity, etc. have been defined for our plant in LaGrange, Georgia, and implemented to analyse the differences between ecological performance and that of the site, and to transform how it works. The water filtration system, for example, must be able to filter as much water as nature would. The ambition is also to use carbon as a raw material in the industrial process, like plants with photosynthesis.

FaaF is a long-term project that we will gradually roll out in our other factories around the world. The new industrial revolution will bring an industry that creates environmental value
and biomimicry is a major tool.

Interview by Catherine Véglio, economics journalist.

  • 1 Carpet tiles, LVT vinyls, rubber floors.
  • 2 Interface reduced greenhouse gas (GHG) emissions in its factories by 96%, the amount of waste sent to landfill for its entire activity by 92%, and water consumption in its facilities by 89% and has achieved 99% renewable energy use at its factories in the United States and Europe.
  • 3 Phyllotaxis is the order in which the leaves or twigs are implanted on the stem of a plant, or by extension, the arrangement of the elements of a fruit, a flower, a bud or a flower head. The science that studies these arrangements is also called phyllotaxis.
  • 4 Global Biomimetic Technology Market Report - Analysis and Forecast, 2018-2028, BIS Research Institute, 2018.
  • 6 BK: Kompetenznetz Biomimetik.
  • 7 “Biomimicry, what development levers and prospects for France?”, France Strategy, 2020.
  • 8 National Centre for Scientific Research.
  • 9 Ecological Transition Agency.