Q4 2023 Financial Update

Credit portfolio and asset quality Well balanced credit portfolio with strong asset quality Corporate franchise growth strategy has driven credit portfolio development in past decade SEK bn Corporates Strong risk culture resulting in low credit losses over time Credit loss level -Households 2,000 10 yr CAGR Housing co-ops Residential real estate 0.9% - Commercial real estate 1,500 29 29 1,000 500 +8% 0.7% 0.5% +4% 0.3% 0.1% +3% Average 0.03% +5% +4% 0 -0.1% 2009 2011 2013 2015 2017 2019 2021 2023 2009 2011 2013 2015 2017 2019 2021 2023 Note: credit portfolio includes loans, contingent liabilities and derivatives. SEB

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