Strategy 2030: Investments to Future-Proof SEB

19 Financial summary Q3 2022 SEK m Q3 2022 Q2 2022 Q3 2021 Net ECL level Total operating income 16,551 14,441 +15% 13,971 +18% 8 bps Net interest income 8,925 7,742 +15% 6,612 +35% C/I Net fee and commission income 5,261 5,498 -4% 5,202 +1% 0.38 Net financial income 2,324 1,154 +101% 2,119 +10% CET1 Total operating expenses -6,293 -6,201 +1% -5,671 +11% 18.1% Profit before ECL and imposed levies 10,258 8,240 +24% 8,300 +24% Net expected credit losses -567 -399 +42% -49 RoE 14.9% Imposed levies -572 -556 +3% -255 +125% Operating profit 9,118 7,285 +25% 7,997 +14% SEB

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