First Quarter 2022 Investor Presentation

31 Development of credit portfolio Credit portfolio by main sectors SEK bn 1,800 1,200 600 0 Corporates -Housing co-ops - Commercial real estate Q4-09 Q4-10 Q4-11 Q4-12 Q4-13 Q4-14 Q4-15 Q2-16 Q4-16 Q2-17 Households Sector Residential real estate Q4-17 Q2-18 Q4-18 Q2-19 Q4-19 Q2-20 Q4-20 Q2-21 Q4-21 Q1-22 Credit portfolio growth rates Quarter-on-quarter and year-on-year QoQ YOY Corporates 3% 14% FX-adjusted 1 0% 10% Households 2% 5% Swedish mortgages 2% 5% Commercial real estate 2% 0% Residential real estate -2% 3% Housing co-ops 0% 8% Total (excluding banks) 2% 10% Note: data include on- & off-balance sheet exposures. 1 Corporate FX-adjusted excluding trading products. SEB

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