SEB Nordic Outlook

41 Strong balance sheet structure with stable deposit base Long-term stable development of deposit - continued high deposit inflow Strong balance sheet structure with deposits as primary source of funding 30 Sep 2021 SEK bn SEK 3,585bn Life insurance Life insurance 1,500 1,000 Derivatives Derivatives Client trading Client trading Short- term 500 Liquid assets Funding <1y funding Cash & deposits CBs Funding >1y Liquidity portfolio Household deposits Household lending Long-term assets or "banking book" Corporate & public sector lending Corporate & public sector deposits Stable funding Assets Equity Liabilities 2007 2009 Corporate deposits 2011 2013 2015 2017 2019 Household deposits Public sector deposits Non-bank deposits in Treasury Stable structural funding position Net Stable Funding Ratio (NSFR) 111% 110% 111% 31 Mar 2021 30 Jun 2021 30 Sep 2021 SEB

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