First Quarter 2022 Investor Presentation

Operating leverage Average quarterly income (SEK bn) 9.8 9.4 Average quarterly expenses (SEK bn) 13.04.8 12.512.7 Average quarterly profit before credit losses (SEK bn) 10. 10.11.2 11.4115 10.8 9.0 8.1 5.9 5.7 5.6 5.4 5.5 5.5 5.5 5.5 5.7 5.7 5.8 5.8 6.87.0 5.5 5.7 5.9 6.0 5.4 4.8 4.1 3.5 2011 2013 2015 2017 2019 2021 2011 2013 2015 2017 2019 2021 2011 2013 2015 2017 2019 2021 28 Note: data exclude items affecting comparability. SEB

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