Q4 2023 Financial Update

31 52 Credit portfolio and asset quality Corporate portfolio focused on large corporates, diversified across industries Focus on large corporates Corporate exposure by division (excludes real estate) Industry diversification and low on-balance sheet exposure Share of credit portfolio excluding banks SMES, midcorps 3% 9% Large Corporates & Financial Institutions Corporate & Private Customers SEK 1,675bn Baltics 82% Other Geographical diversification from corporates with export-oriented and international operations SEK bn 800 600 400 200 0 Dec-10 Dec-11 Dec-12 Dec-13 Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 Dec-23 SEK 3,040bn 55% Loan portfolio | Undrawn comittments, guarantees and net derivatives 0% 5% 10% 15% Business and household services Finance & Insurance Manufacturing Electricity, gas and water supply Wholesale & Retail Shipping -Sweden -Other Nordic Germany, UK Agriculture, forestry and fishing Transportation Construction Other Oil, gas and mining -Baltics Total corporate credit portfolio Loans: 27% of credit portfolio -Other Undrawn commitments, etc: 30% of credit portfolio SEB

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