Strategy 2030: Investments to Future-Proof SEB

25 Strong asset quality and balance sheet 2021 September 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 2,127bn Liquidity coverage ratio 145% Liquidity coverage ratio 120% Net Stable Funding Ratio (NSFR) 111% Net Stable Funding Ratio (NSFR) 109% Capital Capital CET1 ratio (Basel 3) 19.7% CET1 ratio (Basel 3) 18.1% CET1 buffer above requirement Total capital ratio (Basel 3) 590 bps 23.1% CET1 buffer above requirement 410 bps Total capital ratio (Basel 3) 21.6% Leverage ratio (Basel 3) 5.0% Leverage ratio (Basel 3) 4.3% SEB

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