Q4 2023 Financial Update

Credit portfolio and asset quality Increasing share of investment grade companies in SEB's corporate portfolio Risk distribution for SEB's non-retail corporate portfolio 11% - { 32 32 51% } 4% Category Probability of Default (PD) range External Rating equivalent 1 Investment grade 0.0 - 0.4% AAA -BBB Standard monitoring 0.4-1.1% BB Restricted business 1.1 <6% B+ Watch list 64% Default 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 1 Estimated link between internal PDs and external ratings based on comparison of historical default outcomes. > 6% B/C 100% D SEB

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