Q4 2023 Financial Update

Liquidity and funding Strong balance sheet structure Strong balance sheet structure with deposits as primary source of funding 31 December 2023 SEK 3,608bn Stable structural funding position Net Stable Funding Ratio (NSFR) 111% 46 46 Life Insurance Life Insurance Client trading and interbank Liquid assets Derivatives and other Derivatives and other Client trading and interbank Short-term funding Short-term wholesale funding Cash and liquidity portfolio Long-term wholesale funding 2021 109% 112% Min. 100% 2022 2023 Loan to deposit ratio L/D excludes repos, core L/D excludes repos and treasury non-bank deposits Core loan to deposit ratio Loan to deposit ratio Household Lending Household deposits Stable 200% Long-term assets Corporate & public sector deposits funding Corporate & Public Sector Lending 150% Equity Assets Liabilities 100% 50% 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 123% 121% SEB

View entire presentation