Q4 2023 Financial Update

Liquidity and funding MREL requirements and available funds MREL requirement % of REA (SEK 892bn) Total available SEK 379bn Total required SEK 319bn SP>1yr 11.5% CBR 8.1% SNP>1yr 8.6% Own funds 27.6% 22.4% 22.9% Available funds Risk based Leverage based Subordination MREL requirement % of REA (SEK 892bn) Total available SEK 276bn Total required SEK 256bn SNP>1yr 8.6% Own funds SNP need SEK 56bn Available SEK 77bn 8.1% 22.4% 20.5% 22.9% Available funds Risk based Leverage based · MREL requirement higher of: - Risk-based: 2 x (P1+P2R) + CBR - Ccyb + P2G Leverage-based: 2 x Minimum Leverage ratio (3%) • Subordination requirement higher of: - Risk-based: 2 x (P1+P2R) Leverage-based: 2 x Minimum Leverage ratio (3%) Combined Buffer Requirement (CBR) is added on top of risk-based MREL and risk-based subordination requirements Note: 2024 requirement as decided by Swedish National Debt Office. 50 SEB

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