Investor Presentaiton

SEB-a leading northern European bank with international reach New York Norway Finland Sweden Estonia United Denmark Netherlands St. Petersburg Latvia Lithuania Warsaw New Delhi Kyiv Beijing Shanghai Hong Kong Austria Kuala Lumpur • Singapore Dublin Kingdom Germany Luxembourg Switzerland Nice São Paulo Key financials YTD 2022 (FY 2021) • Unique customer base and leading market positions Engaged and long-term focused shareholder base Diversified business model delivering strong, profitable growth over time Strong capital and liquidity position Solid credit rating : AA- / Aa3 / A+ with stable outlook (Fitch/Moody's/S&P) Operating profit by division1 2021 Large Corporates & Financial Institutions Credit portfolio breakdown² 31 Dec 2021 ■Large corporates 9% Corporate & Private Customers 7% ■Swedish SMEs 41% ■Private Wealth Mgmt & Family Office 42% ■Commercial real estate ■Baltic 29% ■Swedish residential-related Life 29% Investment Mgmt Baltics 7% 6% Other Net ECL level C/I ratio 8% 8% 7bps (2) 0.41 (0.42) 11% CET1 ratio Return on equity 3% 18.6% (19.7) 12.8% (13.9) 4 1 Business divisions excluding Group functions and eliminations 2 Swedish residential-related includes household mortgages, residential real estate and housing co-ops SEB

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