Investor Presentaiton

Well-balanced long-term funding profile and solid credit rating Wholesale funding by product SEK 492bn equivalent 8% 6% 21% Maturity profile SEK bn 14% 120 SEB's credit rating Covered bonds SEK Rating Institute Short term "Stand- alone rating" Long term Uplift Outlook Covered bonds non-SEK Fitch F1+ aa- AA- 0 Stable Senior unsecured debt 51% Moody's P-1 a3 Aa3 3 Stable I Senior non-preferred debt S&P A-1 a A+ 1 Stable Subordinated debt Issuance history SEK bn 140 95 50 90 92 117 101 10 17 32 64 80 40 82 18 28 75 11 34 10 13 15 11 13 32 20 10 20 22 59 53 54 5 81 78 38 44 14 67 19 4 55 41 44 8 <1Y 1-2Y 2-3Y 3-4Y 4-5Y 5-7Y 7-10Y >10Y 2017 2018 2019 2020 2021 YTD 2022 42 1 Excluding public covered bonds. 2 Tier 2 and Additional Tier 1 issues assumed to be called at first call date. SEB

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