Q4 2023 Financial Update

LO 5 SEB in brief Leading market position in economically strong markets Norway Finland Sweden Estonia Latvia Key ratios 2023 2022 2021 United Kingdom Denmark Lithuania Netherlands Germany Complementing our home markets with an International Network, supporting large corporate clients from New York to Shanghai Return on equity 1 17.9% 14.5% 13.9% Cost/income 0.34 0.39 0.42 Net expected 3bps 7bps 2bps credit losses Austria Switzerland CET1 ratio 19.1% 19.0% 19.7% Credit rating AA-/Aa3/A+ with stable outlook Operating profit by division 2 FY 2023 18% 5% Credit portfolio by segment 31 Dec 2023 4%3% ■Large Corporates & Financial Institutions 6% 3% Corporate & Private Customers 38% 24% Private Wealth Mgmt & Family Office ■Baltic Life 5% 7% 32% Investment Mgmt Credit exposure by currency 3 31 Dec 2023 ■ Corporates ■Commercial real estate 12% 10% 55% ■Residential real estate Household mortgages & BRF Household other 33% Public admin & banks 1 Return on equity before items affecting comparability. 2 Operating profit by divisions excluding Group functions and eliminations. 3 As share of exposure. ■ SEK ■ EUR 45% ■ USD ■ Other SEB

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