SEB Nordic Outlook

SEB-a leading northern European financial services group LO 5 • Unique customer base and leading market position Finland St. Petersburg Norway New York United Denmark Sweden Estonia Latvia Lithuania • b Kingdom Germany Luxembourg Warsaw Kiev New Delhi Beijing Shanghai Hong Kong • Singapore • São Paulo Operating profit by division¹ YTD 2021 7% 8% 11% 33% • Engaged and long-term focused ownership base Diversified business model delivering strong, profitable growth over time Strong capital and liquidity position Solid credit rating: AA- / Aa3 / A+ with stable outlook (Fitch/Moody's/S&P) Credit portfolio breakdown² 30 Sept 2021 ■Large corporates ■ Swedish SMEs 40% ■Commercial real estate ■Swedish residential-related Key financials YTD 2021 (FY 2020) Net ECL level 1bps (26) CET1-ratio 30% Baltics 20.2% (21.0) 6% 6% Other Large Corporates & Financial Institutions 11% 7% Corporate & Private Customers 41% Baltic Life Investment Mgmt 1 Business divisions excluding Group functions and eliminations 2 Swedish residential-related includes household mortgages, residential real estate and housing co-ops 3 Excluding items affecting comparability C/I 0.42 (0.46) Return on equity 14.2% (10.33) SEB

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