9) Beyond capital requirements, how are banks regulated in the Euro area? What kind of rules do they have to follow? (2 pts)

10) What additional rules have been put in place during the Covid crisis in terms of banking regulation? Are they still in place? Why? (2 pts)

5) Compare ROEs across the recent years. Some analysts say SocGen focuses more on capital strengthening than on profitability: do you agree? Note: ROE average across French banks in 2019 was 6.5%, versus 1.3% in Q3 2021(EBA data) (2 pts)

6) What can explain the sudden drop in SogGen profits in 2020? Where does the rebound come from in Q3? (2 pts)