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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

Understanding Responsible Investment #15 - Focus on Life Insurance

Discover the fifteenth and last episode of our "Understanding Responsible Investment" podcasts series.

Dorothée Chapuis: Hello everyone and welcome to the fifteenth and final episode of our "Understanding Responsible Investment" series. I am Dorothée Chapuis, Head of CSR for Societe Generale Private Banking Europe. To address the last - and not least - topic of our series I am very pleased to welcome Mickael Roussel, Head of Life Insurance Offerings at Societe Generale Private Banking. In this episode, we'll look at how sustainable investment applies to life insurance policies.

Dorothée Chapuis: Hello Mickael!

Mickael Roussel: Hello Dorothée!

Dorothée Chapuis: Mickael, you are in charge of developing the distribution of life insurance policies and capitalization policies in partnership with private bank insurers. We usually say that life insurance is the preferred investment of the French. At Societe Generale Private Banking, we estimate that 61% of our clients' assets are held through capitalisation contracts or life insurance policies. Can you tell us quickly why, please?

Mickael Roussel: Yes, Dorothée, there are two reasons for this. Firstly, during the last fifteen years, when interest rates fell sharply and stabilised at very low levels, life insurance policies allowed you to invest your savings in the euro fund without taking too much risk in terms of capital, with a return net of inflation that was higher than that of a bank passbook. I must say that this is no longer entirely valid today. On the other hand, the life insurance contract offers a tax framework that can be interesting in the event of inheritance or in the event of redemption after eight years. The French generally have a strong appetite for tax-advantaged products.

Dorothée Chapuis: Thank you, Michael. We are not going to go into the details of the tax framework for life insurance right now; for more information on this subject, listeners can ask their usual banking contact. Let's move on to our main topic: how are life insurance policies affected by responsible investment?

Mickael Roussel: First of all, Dorothée, I would remind you that life insurance policies are envelopes that schematically include two major categories of support. On the one hand, you have the support in euros, the support without risk remunerated by the insurer of which I have just spoken before, and on the other hand, you have all the supports in units of account representative of shares of UCITS (Undertaking for Collective Investments in Transferable Securities), invested on all the classes of assets: the actions, the bonds, the monetary securities and when your contract allows it, representative also of securities in direct, like for example, structured products, or when the contract has a management or advisory mandate. The approach to responsible investment differs according to these categories.

Dorothée Chapuis: So, Michael, let's start with the euro fund. Does it incorporate any of the SRI characteristics, that we described in episode 4 and episode 5 of this podcast series?

Mickael Roussel: Yes, more and more insurance companies are integrating ESG (Environmental, Social and Governance) criteria into the management of their euro funds. For example, all our partner companies apply exclusions linked to controversial sectors from a social point of view, such as tobacco or controversial weapons, or from an environmental point of view, such as thermal coal. In addition, these companies select the securities in which they invest by taking into account both financial and extra-financial considerations related to the issuer's ESG rating, its greenhouse gas emissions, etc. Furthermore, insurers are increasingly implementing voting and commitment policies and are subject to sustainable finance regulations. However, the euro fund is not a medium that can claim an SRI label at this stage.

Dorothée Chapuis: Very good. And what about unit-linked products?

Mickael Roussel: For this category of media, things are evolving favourably, in particular following the PACTE law in France, which requires, since January 1st 2020, that all companies in this category have to be registered in a register. In January 2020, it will be possible to offer unit-linked products through SRI- or Greenfin-labelled funds or funds that invest in socially responsible companies. This development is a potential source of additional growth for responsible investment. All the companies we work with have not waited for the January 1st 2020. I would also like to remind you that investment in a particular unit-linked fund is the result of the investor's decision. I would also like to remind you that investment in a particular unit-linked fund is the investor's decision and it is the investor who will ultimately be able to make the choice in favour of responsible investment - taking into account, of course, his or her objectives in terms of risk, return and investment horizon.

Dorothée Chapuis: Mickael, this is very clear and we can see that it is possible to combine life insurance savings with sustainable development considerations. Thank you for this insight.

Mickael Roussel: You're welcome Dorothée, thank you !


This podcast is part of a series of episodes proposed by Societe Generale Private Banking to understand responsible investment. It is available on the Spotify and Apple Podcasts streaming platforms via the "#Private Talk by Societe Generale Private Banking" program and on our website www.privatebanking.societegenerale.com. Feel free to subscribe to be notified when the next episode is released and to spread the word

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.

Dorothée Chapuis Head of CSR for SGPB Luxembourg, Monaco and Switzerland

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