Strategy 2030: Investments to Future-Proof SEB

40 Strong balance sheet structure with stable deposit base Strong balance sheet structure with deposits as primary source of funding 30 Sep 2022 Liquid assets Long-term stable development of deposit SEK bn Life insurance SEK 4,277bn Life insurance 2,000 1,500 1,000 Derivatives Derivatives 500 Client trading Client trading Short- term funding Funding <1y Cash & deposits CBs Funding >1y Liquidity portfolio Household deposits Household lending Corporate & public sector deposits Stable funding Long-term assets or "banking book" Corporate & public sector lending Assets Equity Liabilities 2007 2009 2011 2013 2015 Corporate deposits Public sector deposits Stable structural funding position Net Stable Funding Ratio (NSFR) 2017 2019 2021 Household deposits Non-bank deposits in Treasury 111% 110% 111% 111% 108% 110% 109% 31 Mar 2021 30 Jun 2021 30 Sep 2021 31 Dec 2021 31 Mar 2022 30 Jun 2022 30 Sep 2022 SEB

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