Q4 2023 Financial Update

Liquidity and funding Strong liquidity position High Quality Liquid Assets 31 December 2023, SEK 739bn 47 18% 25% 2% Liquidity Coverage Ratio 54% I Cash & holdings in Central Banks Treasuries & other Public Bonds Extremely high quality covered bonds High quality covered bonds Other 140% Jun 2021 Dec 2021 Jun 2022 Dec 2022 Jun 2023 Dec 2023 Min. 100% Note: liquid assets in accordance with Liquidity Coverage Ratio in CRR. Liquid assets defined as on balance sheet cash and balances with central banks, and securities (bonds and equities) net of short positions. • • • Liquidity portfolio is invested in high quality liquid assets (predominantly SSA's and covered bonds) that are central bank eligible for pledging Currency distribution is function of SEB's balance sheet currency distribution and market liquidity. SEB maintains liquidity reserves in EUR, USD and SEK to meet Pillar 2 requirements on the LCR in individual currencies, as applied by the Swedish FSA. Marked to market accounting is always applied in the liquidity portfolio, meaning unrealised gains or losses as a consequence of market value developments are always taken into account SEB

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