First Quarter 2022 Investor Presentation

34 20% 15% 10% 5% 0% Robust household mortgage portfolio SEB's household mortgage lending growth vs total market SEK bn Low LTVs by global and regional standards 31 March 2022 201103 201203 201303 201403 201503 201603 SEB lending (RHS) -Market growth YoY 201703 201803 201903 202003 202103 SEB growth YoY 202203 0 600 Loan-to-value >85% 400 71-85% 51-70% 200 0-50% Share of portfolio 0% • 1% 9% 90% • • • • Selective origination - mortgage lending based on affordability Strong customer base: According to UC AB (national credit information agency), SEB's customers have higher credit quality than market average and are over- proportionally represented in higher income segments. Customers are also concentrated to larger cities High asset quality - negligible past dues and losses Strict credit scoring and assessment Strengthened advisory services - "sell first and buy later" Affordability assessment (funds left to live on post all fixed costs and taxes) includes stressed interest rate scenario of 6% on personal debt and 3% on a housing co-op's debt which indirectly affects the private individual ("double leverage") Amortisation requirement: LTV 70-85% loans amortise min. 2%/year and between 50-70% at least 1%/year. As of 2018, loans with DTI>4.5x amortise an additional percentage point-regulatory requirement. Amortisation exemption due to Covid-19 lifted per August 2021 Max loan amount: 85% LTV cap since 2011. In general 5x total gross household income irrespective of LTV and no more than one payment remark on any kind of debt Weighted average LTV = 49.3% SEB

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