First Quarter 2022 Investor Presentation

46 Well-balanced long-term funding profile and solid credit rating Wholesale funding by product SEK 492bn equivalent 8% 6% 21% Maturity profile 14% SEK bn 124 SEB's credit rating Covered bonds SEK Rating Institute Short term "Stand- alone rating" Long term Uplift Outlook Covered bonds non-SEK Fitch F1+ aa- AA- 0 Stable Senior unsecured debt 51% Moody's P-1 a3 Aa3 3 Stable I Senior non-preferred debt S&P A-1 a A+ 1 Stable Subordinated debt Issuance history SEK bn 145 140 89 38 85 117 11 9 95 101 11 70 21 632 74 40 21 28 27 8 80 75 34 10 12 42 40 20 10 45 13 20 20 59 14 81 78 11 53 54 37 41 4 55 62 67 55 41 35 23 10 <1Y 1-2Y 2-3Y 3-4Y 4-5Y 5-7Y 7-10Y >10Y 2015 2016 2017 2018 2019 2020 2021 Q1 2022 1 Excluding public covered bonds. 2 Tier 2 and Additional Tier 1 issues assumed to be called at first call date. SEB

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