First Quarter 2022 Investor Presentation

67 Business model generates stable income based on diversified income sources Balanced mix of net interest income and other income Average quarterly income, SEK bn Growing net fee & commission income generated through strong market franchise and recurring income Average quarterly net fee & commission income, SEK bn. 2010 2012 2014 2016 2018 2020 Q1 2022 2010 2012 2014 2016 2018 2020 Q1 2022 Net interest income Net financial income LC & Fl Net other income Net fee & commission income I Net financial income, excl. LC&FI Note: Traditional life income booked as net financial income as of January 2014. | Payments, card, lending Activity based I Asset value based Life insurance SEB

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