Q4 2023 Financial Update

16 Q4 2023 financial update Development of credit portfolio SEK bn 1,800 1,600 1,400 1,200 1,000 800 600 400 200 0 Dec-13 Dec-14 Dec-15 Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 Jun-23 Sep-23 Dec-23 Credit portfolio by sector Lending by sector QoQ YOY QoQ YOY Corporates fx-adjusted -4% -1% -5% -1% -1% 2% -2% -1% Households -2% 1% 0% 0% Swedish mortgages -2% -1% 0% 0% Note: Credit portfolio includes loans, contingent liabilities and derivatives. FX-adjusted excludes trading products. Commercial real estate 0% 3% -1% 1% fx-adjusted 1% 3% 1% 1% Residential real estate 1% 2% 1% 3% Housing co-ops -1% -7% -2% -7% Total (excl.banks) -3% -1% -3% -1% SEB

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