Q4 2023 Financial Update

SEB in brief Our balance sheet provides a solid base 2016 2023 Capital CET1 capital Annual capital generation Capital buffer Total buffer in bn Liquidity and funding Liquid assets SEK 114bn 250bps 190bps 440bps SEK 26.8bn SEK 290bn As share of assets Loan-to-deposits (LDR) Asset quality Non-performing loans Reserves 15% 151% SEK 7.6bn SEK 4.8bn Coverage ratio 63% 1 Total buffer includes capital buffer and annual capital generation. 11 Capital CET1 capital Annual capital generation Capital buffer Total buffer 1 in bn Liquidity and funding Liquid assets As share of assets Loan-to-deposits (LDR) Asset quality Non-performing loans (NPL) Reserves Reserves/NPL ratio SEK 170bn (+49%) 430bps (+72%) 440bps (+132%) 870bps (+98%) SEK 77bn (+189%) SEK 739bn (+155%) 20% (+37%) 121% (-20%) SEK 9.0bn (+18%) SEK 8.0bn (+67%) 89% (+41%) SEB

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