Strategy 2030: Investments to Future-Proof SEB

7 More diversified than peers. Well balanced credit portfolio Credit exposure (EAD) by sector Diversified income stream Operating income by type Nordea Swedbank SHB SEB Danske Nordea Swedbank Real estate management Other Net interest income Net financial income SEB DNB Danske Corporates Institutions Household mortgages Other retail loans Source: Annual reports 2021 SHB Net fee & commission income Net other income DNB SEB

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