Strategy 2030: Investments to Future-Proof SEB

21 Net interest income development SEK m 19,380 Of which Swedish mortgage volumes SEK +150m Of which Swedish mortgage margins SEK -350m 1,330 12 1,944 283 +22% 23,728 870 475 Jan-Sep 2021 Deposit margins Deposit volumes Lending margins Lending volumes Fixed income, Currencies and Commodities Other Jan-Sep 2022 incl. Treasury Note: including fx-effect of SEK +325m. SEB

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