Q4 2023 Financial Update

Q4 2023 financial update Strong asset quality and balance sheet 22 2022 2023 Asset quality Net expected credit loss level 7 bps Funding & liquidity Asset quality Net expected credit loss level Funding & liquidity 3 bps Customer deposits (SEK) 1,571bn Customer deposits (SEK) 1,566bn Liquidity coverage ratio 143% Liquidity coverage ratio 140% Net Stable Funding Ratio (NSFR) 109% Net Stable Funding Ratio (NSFR) 112% Capital Capital CET1 ratio (Basel 3) 19.0% CET1 ratio (Basel 3) 19.1% CET1 buffer above requirement 470 bps CET1 buffer above requirement 440 bps Total capital ratio (Basel 3) 22.5% Total capital ratio (Basel 3) 22.4% Leverage ratio (Basel 3) 5.0% Leverage ratio (Basel 3) 5.4% SEB

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