Investor Presentaiton

26 Strong asset quality and balance sheet 2021 June 2022 Asset quality Net expected credit loss level 2 bps Funding & liquidity Customer deposits (SEK) 1,597bn Asset quality Net expected credit loss level Funding & liquidity Customer deposits (SEK) 7 bps 2,073bn Liquidity coverage ratio 145% Liquidity coverage ratio 135% Net Stable Funding Ratio (NSFR) 111% Net Stable Funding Ratio (NSFR) 110% Capital Capital CET1 ratio (Basel 3) 19.7% CET1 ratio (Basel 3) 18.6% CET1 buffer above requirement 590 bps CET1 buffer above requirement 480 bps Total capital ratio (Basel 3) Leverage ratio (Basel 3) 23.1% 5.0% Total capital ratio (Basel 3) 22.0% Leverage ratio (Basel 3) 4.3% SEB

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