Strategy 2030: Investments to Future-Proof SEB

50 30 SEB's household mortgages are of high asset quality and based on affordability SEB's household mortgage lending growth vs total market SEK bn 5% 0% Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21 SEB lending (RHS) -SEB growth YoY -Market growth YoY Low LTVs by global and regional standards 30 Sep 2022 600 Loan-to-value >85% Share of portfolio 0% 71-85% 400 51-70% 200 田 0-50% 87% 0 田租 2% 11% Weighted average LTV = 53.5% 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, in case of apartments, an additional stress of 4.25% 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 SEB

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