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Investor Presentaiton

29 Real estate porfolio: focus on Sweden and Nordics with conservative lending standards Real estate management credit portfolio by division SEK bn Large Corporates & Financial Institutions division Corporate & Private Customers division Baltic division Private Wealth Management & Family Office division Germany 339 340 341 320 5% 294 295 286 259 261 257 243 247 220 Residential 26% real estate management Real estate management portfolios by geography 30 June 2022 Residential real estate exposure: SEK 145bn Average LTV Q2 2022: 46.2% Sweden Other Nordic ■Germany & other 12% 7% 15% Commercial real estate management 32% 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Jun 2022 Commercial real estate exposure: SEK 197bn Average LTV Q2 2022: 46.7% Sweden Other Nordic Baltics ■Germany & other SEB
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