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& Zurich +41 44 218 56 11 (8:30am - 5:30pm)

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

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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:


Sustainable agriculture: Ploughing a new furrow


Patrick Caron

Researcher at the Centre for International Cooperation in Agricultural Research for Development (CIRAD) and President of Agropolis International

Guillaume Gruère

Head of the Agriculture and Resources Policy Division in the Organisation for Economic Cooperation and Development (OECD) Trade and Agriculture Directorate

Yann-Gaël Rio

Director of operations in charge of the agricultural and food transition at Blunomy, a strategy consulting firm

Faced with the triple challenge of feeding a growing global population, ensuring food security and reducing its production impact on the climate and environment, agriculture must rely on innovation and new sustainable practices to succeed in its own green transition.


In the south of India, in the state of Andhra Pradesh, the largest agroecological conversion in the world is now underway. Encouraged by a government programme, nearly a million farmers have already adopted an agriculture based on crop diversification, soil cover, the use of natural fertilisers produced on site, and agroforestry1. Following the United Nations Food Systems Summit in 2021, an international coalition for agroecology was created, on the initiative of around thirty states, including France, and forty organisations. It was followed by another coalition, bringing together thirteen public development banks — including the French AFD, the German KWD, the China Agricultural Development Bank — who are committed to “funding sustainable agriculture and environmental improvements in value chains”.

These initiatives are indicative of the progress towards sustainable agriculture now being undertaken and actively supported by a growing number of public and private actors. As Patrick Caron, researcher at CIRAD2 and president of Agropolis International points out, “The increase in environmental damage degradation of soil and agricultural land, water quality, biodiversity, greenhouse gas (GHG) emissions3 — and health crises, including the low income of farmers, have revealed the limits of the agricultural model put in place after the Second World War. This system was based on specialisation, the use of high-yielding seeds, irrigation and the use of high levels of chemical input”. As for malnutrition, it has not yet been resolved: “800 million people suffer from chronic under-nutrition due to economic, social or conflict-related reasons in a world where there is sufficient agricultural production to feed everyone”. specifies the researcher. “Two billion people are affected by micro-nutrient deficiencies and 1.4 billion suffer from being overweight and obesity, which is becoming a major public health problem”.

We must invest in innovation to support productivity while respecting the environment.

The war in Ukraine, which led to soaring prices for agricultural raw materials and fertilisers, has highlighted the triple challenge facing agriculture: how to feed a growing world population and ensuring food security while reducing its impacts on climate and environment. Guillaume Gruère, head of the agriculture and resources policy division at the OECD’s4 Trade and Agriculture Directorate, has observed a real change in attitudes: “The OECD Agriculture Ministers meeting in November 2022 actively promoted ‘transformative solutions’ to help build productive, sustainable and resilient agricultural and food systems.
These solutions cover a diversity of agricultural systems, but the priorities remain the same: ensuring food security, addressing environmental challenges and providing livelihoods for all farmers”.

What about public policies?

An important step remains to be taken to achieve this large-scale transformation. “We would have to be able to orchestrate it at multiple levels”, explains Patrick Caron. “At the local level first, by rolling out environmentally friendly practices, then at the national level, by fighting against losses and waste — which represent 30 to 50% of agricultural production — by directing subsidies towards food systems contributing to sustainable development and deploying payment systems for environmental services5.

1. Agroforestry involves planting trees on agricultural land alongside conventional crops. This helps restore the ecological balance of the land, preventing soil erosion and water runoff, and can also mitigate extreme local weather conditions.
2. Centre for international cooperation in agricultural research for development
3. The researcher specifies that 80% of the erosion of biodiversity and 30% of greenhouse gas (GHG) emissions are linked to agriculture as is 70% of water use.
4.Organisation for Economic Cooperation and Development.
5. Editor’s note: this involves promoting agricultural practices that have a demonstrated ecological benefit (e.g. adopting farming techniques without pesticides and thus protecting water resources) by providing farmers with payments for services that lead to an improvement of the environment.

Change is underway


In India, a million farmers have already adopted agricultural practices based on agroecology7.


Agriculture is responsible for 30% of greenhouse gas emissions worldwide.


billion dollars were invested in Agri-Tech globally in 2021.

30 to 50%

of agricultural production is lost through waste and inefficient practices8.

- «An unprecedented participative foresight for India’s agro-ecological transition.»
8. Food and Agriculture Organization of the United Nations.

Finally, at the international level, we need to rethink trade agreements to promote good agricultural practice”.

However, public agricultural support policies still constitute an obstacle to the green transition. “Our assessment of agricultural policies, published in 2022, shows that more than half of the support allocated to agriculture in OECD countries and emerging powers, or $319 billion per year, works against the transition to sustainable agriculture. To give this transition a real boost, aid should be redirected and targeted at sustainability and the climate directly”, underlines Guillaume Gruère.

However, as the evaluation report notes, many existing support measures encourage an actual increase in GHG emissions... And even though the decrease in emissions is stalling in most of the 54 OECD countries6, only 16 of them have set a quantified GHG reduction objective for their agricultural sector. “Several levers can be used to reduce these emissions without harming food security”, explains Guillaume Gruère. “In particular, market price support  and payments encouraging intensive production should be gradually abandoned, and agricultural GHG emission pricing tools should be created, stimulating investments in innovation and providing information and incentives to consumers to better guide their food choices”.

Agriculture is responsible for 30% of GHG emissions worldwide and its resilience is strongly threatened by the growing impact of climate change. This is the case in Europe where, in 2022, several countries such as France, Germany, Italy and others have seen their production decline.

5. Editor’s note: this involves promoting agricultural practices that have a demonstrated ecological benefit (e.g. adopting farming techniques without pesticides and thus protecting water resources) by providing farmers with payments for services that lead to an improvement of the environment.
6. GHG emissions of agricultural origin from the 54 OECD countries represent 68% of total global emissions. Around 70% is linked to the production of meat and animal-sourced products.

As for European food sovereignty, it remains a project to be built: the EU still imports 11% of the calories and 26% of the proteins it consumes. According to MEP Pascal Canfin, chairman of the Environment, Public Health and Food Safety committee of the European Parliament, the time has come to accelerate the implementation of the European Green Deal (see box), which aims to build up the resilience of agriculture and European food sovereignty over the next ten years9.

The new common agricultural policy (CAP) defined for the period 2023-2027, which must comply with the ambitions of the strategy Farm to Fork10 leaves many observers feeling underwhelmed however, despite voluntary incentive systems such as eco-schemes11. “If the CAP wants to support a real transformation of agriculture, we will have to continue to undertake major reforms”, believes Guillaume Gruère.
Over the last decade, we see that its results in terms of the environment and climate do not live up to its professed ambitions. The needed changes have been too slow. Here again, the structure of payments is ill-adapted to sending clear signals to farmers and they should certainly be based more on the results obtained in terms of sustainability12”.

Agroecology is not a return to the past but a way forward that mobilises current scientific knowledge.

Investing for innovation

“We must invest in innovation, which will prove essential to supporting the productivity of the agricultural sector while respecting the environment”, insists Guillaume Gruère. In other words, technological innovation and changes in practices need to go hand in hand. Precision agriculture, which uses digital technologies to optimise the use of inputs such as pesticides, fertilisers and water, is seen as a promising practice. In a recent resolution, the European Parliament underlined the need to make these high-cost technologies accessible to all farmers. The example of the French start-up Carbon Bee illustrates their potential: its AI system makes it possible to reduce the use of phytosanitary products by 80 to 90%13. Fundraising in agricultural innovation has also accelerated in 2022, with more than 300 million euros invested in French Agri-Tech start-ups, demonstrating the growing interest of investors. At the global level, nearly 52 billion dollars were invested in Agri-Tech in 202114.

Meanwhile, on the ground, farmers and businesses are blazing new trails. Twenty-six multinationals have, for example, committed as part of the OP2B (One Planet Business for Biodiversity) coalition to act on a global scale in favour of regenerative agriculture, focusing on the preservation and restoration of soils15. The Danone Group, which has invested more than 40 million euros since 2016 into the agricultural transition in France, launched the alliance Farming for Generations (F4G) with eight key players in the agricultural supply chain to help support this movement across the world. In 2020, Unilever invested one billion euros in the fund Climate and Nature to accelerate the agricultural transition.

At the end of 2022, Nestlé has committed to investing more than a billion euros by 2030 to source sustainably grown coffee.

9. “How to succeed in the agro-ecological transition? », Terra Nova, February 2023.
10. “From farm to fork”: from farm to the consumer
11. The eco-regime is a new aid that is conditional on environmental efforts undertaken. It represents around a quarter of direct aid to farmers.
12. See OECD report Policies for the Future of Farming and Food in the European Union, October 2023.
13. A substance or mixture of substances of a chemical or biological nature used in agriculture to protect crops.
14. Source :
15. Read the “Pioneer Spirit” section.


The Green Deal European

The Green Deal, as presented by the European Commission in December 2019, is the environmental roadmap of the European Union (EU). Its main ambition is for Europe to achieve climate neutrality by 2050. In order to realise this commitment, the Green Deal translates into a set of policies across all areas under the purview of the EU. Several sector by sector roadmaps have been adopted.

A example is the Farm to Fork strategy, adopted in 2020 to build an environmentally friendly food production system. The European Union (EU) has for the first time set out quantified objectives for the agricultural transition, in particular, a 50% reduction in pesticides, 20% reduction in chemical fertilisers, with 25% of agricultural land dedicated to organic agriculture by 2030.

“The evolution of regulations, societal expectations, the need to reduce their environmental footprint and develop agriculture that is more resilient to climate risk are all reasons that encourage these major groups to support the agricultural transition. Their actions have a significant ripple effect across all their supply chain stakeholders, explains Yann-Gaël Rio, director of operations in charge of agricultural and food transition at Blunomy, a strategy consulting firm.
“The agricultural transition involves changes in purchasing and supply models.
We must ensure traceability and transparency in the supply chain and mobilise all the stakeholders with incentives and better distribution of transition costs”. Rio also calls for a new business model because companies must offer long contracts to farmers to support them over time. “Managing the sharing of risks, high for a farmer who changes agricultural business model, is also a real question. Too few financing solutions exist on the market for farms on the transition path”. The think tank French Agriculture Strategies16 advocates for new forms of public support, such as economic insurance encouraging farmers to test out new practices. For its part, the Axa group announced at the end of 2022 that it wanted to develop insurance solutions to “de-risk the transition” across the entity Axa Climate, created in 2019.

Cooperation with the South

In the global South, as well as the North, an entire ecosystem must also be established to succeed in the ecological transition of agriculture. In Latin America, Africa, Southeast Asia, and the Indian Ocean, communities are increasingly engaging in agroecological practices. “These practices, which optimise natural ecological and biological processes, are based on indigenous know-how from which research draws inspiration to offer innovative solutions”, explains Patrick Caron. “Agroecology is not a return to the past but a way forward, mobilising science! There are no ready-made solutions and its principles apply in different ways, depending on the local context. While aiming at the production of public goods, it can only develop if it improves income and therefore the living conditions of producers”.

Although the evaluation of these practices is complex, it nevertheless emerges from recent meta-studies17, which analysed several thousand agronomic studies spread around the world, identifying beneficial effects on agricultural production. These improvements are seen in the associated biodiversity and in numerous ecosystem services such as soil and water quality, GHG emissions, and even disease control. Researchers Daniela Oliveira and Gilles Maréchal18 recount how, in Brazil, the knowledge of farmers from the Serra do Rio Grande do Sul engaged in agroecological practices, produced a series of innovations that were eventually disseminated throughout the country and internationally such as, for example, the biofertiliser Super Magro, now used in numerous countries. Researchers highlight the benefits of undertaking a participatory certification approach19 to agroecological foods in this region, which brings together farmers, technicians and consumers. This type of approach has true educational value, because it responds to the need to “recreate a pact between farmers and consumers in favour of healthy and sustainable food”, in the words of Patrick Caron.

Emerging solutions in the South could prove decisive for our common future. “The adaptation strategies of African agriculture which opt for an agroecological approach with local production requiring less inputs — such as millet and sorghum  and the use of organic fertilisers produced locally, deserve to be supported by the actors in development aid and by those in the agri-food sectors”, argue the leaders of the FARM foundation and the Afdi association (French Farmers and International Development)20.
Scaling up these initiatives would make it possible to develop sustainable agricultural systems and greater autonomy for African food production. This issue is crucial given the significant future demographic growth predicted to take place on the African continent. 

16.The Agriculture Strategies Think Tank brings together research and politics. It has two main missions: an institutional mission to defend the interests of farmers and a mission to advise companies, cooperatives and professional organisations.
17. The summary by D. Beillouin et al. examined the results of 95 meta-analyses integrating 5,156 agronomic studies (2021, in Global Change Biology,
18. Sesame Review, INRAE, March 9, 2023.
19. As part of the Brazilian Ecovida agroecology network, certification has been deployed as an educational process in which farmers, technicians and consumers work together to verify and guarantee the biological quality of food. This process is called participatory certification (Source: Revue Sésame, Inrae, March 9, 2023).
20. Article by M. Brun, S. Diéval and O. Tayeb Cherif, Les Échos, 13.03.2023.

The agricultural transition involves changes in purchasing and supply models.


Catherine Véglio
Editorial advisor, journalist, novelist, Catherine Véglio explores the fields of economy, innovation, science,technology and their relationships with society.


Matteo Berton
Matteo Berton is an Italian illustrator living in Bologna. He focuses his research on a synthesis of forms and composition. He has worked on editorial and advertising commissions, as well as books.