Strategy 2030: Investments to Future-Proof SEB

18 Financial summary YTD 2022 SEK m Jan-Sep 2022 Jan-Sep 2021 Net ECL level Total operating income 45,759 41,511 +10% 7 bps Net interest income 23,728 19,380 +22% C/I Net fee and commission income 16,157 15,258 +6% 0.40 Net financial income 5,812 6,718 -13% CET1 Total operating expenses -18,288 -17,148 +7% 18.1% Profit before ECL and imposed levies 27,472 24,363 +13% Net expected credit losses -1,501 -211 RoE 13.5% Imposed levies -1,711 -764 +124% Operating profit 24,260 23,388 +4% SEB

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