First Quarter 2022 Investor Presentation

55 45 Diversified funding structure with deposits as primary funding source Funding sources 31 Mar 2022 12% 3% 4% 5% 11% 1% 16% Loan to deposit ratio Excl repos 140% 90% Jan 2018 Jan 2019 Jan 2020 Jan 2021 Jan 2022 48% Corporate deposits Household deposits Credit inst deposits Govmt & central bank deposits Senior debt Covered bonds CP/CDs Subordinated debt Wholesale Lowest dependence on wholesale funding compared to peers Benchmarking Swedish banks' total funding sources incl equity 31 Dec 2021 funding SEB Peer 1 Peer 2 Equity ■Deposits from the public Bail-in bonds Subordinated debt Covered bonds ■CP/CDs Peer 3 Deposits from credit institutions ■Senior preferred debt SEB

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