Q4 2023 Financial Update

SEB in brief A diversified business compared to our peers... Well balanced credit portfolio Credit exposure (EAD) by sector Corporates Institutions Real estate management Other retail loans Household mortgages Other Diversified income stream Operating income by type Net interest income Net financial income I Net fee & commission income I Net other income 9 100% 75% 50% 25% 100% 75% 50% 25% 0% 0% SEB DNB Danske Nordea Swedbank SHB SEB Danske Nordea Swedbank SHB DNB Source: 2022 annual reports. SEB

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