Q4 2023 Financial Update

Q4 2023 financial update In 2024, we will continue to invest to future-proof our business. A selection of continued investments Costs 2023 • PWM&FO expansion SEK 27.4bn • The front • Austria, Switzerland, Netherlands Sustainability SEK~350m • Savings • Embedded Inflation of which Salary Other Investment plan Efficiencies +950m +600m +350m + 850m- 1,050m - 400m 2024BP Note: Not including the acquisition of AirPlus. 27 • Financing Future-proofing • Payments & infrastructure • Cyber security SEK ~400m •. Cloud capabilities SEK < 29bn assuming 2023 average FX-rates House in order SEK ~200m • . Financial Crime Prevention Risk Compliance SEB

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