Q4 2023 Financial Update

17 Q4 2023 financial update Perspectives on our broader financial contribution Increased value to owners (equity capital providers) Net profit Increased resources to public finances Taxes and imposed levies Example of owners Beneficiaries investor Foundations & ~560,000 investors +42% YoY +46% YoY ~4,000,000 individuals AMF SEK 38bn SEK 14.4bn alecta ~2,800,000 individuals Private individuals 250,000+ Large contributions to public finances relative other industries (taxes + imposed levies) / (operating profit + imposed levies), 2023 Effective tax rate reported 20.5% 26% 20.6% SEB Swedish corporate tax 1 ECB, Kepler Cheuvreux estimates. Swedish depositors gain a relatively larger benefit of rate hikes Total deposit betas in Europe 1, October 2023 75% 64% 35% 26% 26% 26% 26% Sweden Norway Netherlands Finland France Germany Eurozone SEB

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