First Quarter 2022 Investor Presentation

10 Relative financial strength Cost/income ratio 2011-2021, rolling LTM 80% 70% 60% 50% 40% Return on equity 2011-2021, excluding IAC, rolling LTM 20% 15% 10% 5% 0% Source: S&P Global Cost of risk 2011-2021, rolling LTM 1.5% 1.0% 0.5% 0.0% -0.5% SEB 42% CET1 capital ratio 2014-2021 25% SEB 13.9% 20% 15% 10% SEB Nordic peer average European peer average SEB 0.02% SEB 19.7% SEB

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