Investor Presentaiton

The strength of a diversified business model: fees and commissions Gross fee income Quarterly isolated, SEK bn Gross fee income, main components Total SEK 7.1bn, Q2 2022 Quarter-on-quarter Q2-22 vs. Q1-22 20 20 +9% YOY Lending fees 7.3 6.9 7.1 6.5 6.4 Payment and card fees Custody and mutual funds -9% Secondary markets and derivatives -3% 24% 17% Q2-21 Q3-21 Q4-21 Q1-22 Q2-22 Issue of securities and advisory -3% -33% Lending fees Payment and card fees Custody and mutual funds Secondary markets and derivatives Issue of securities and advisory Other Other n/a Year-on-year Q2-22 vs. Q2-21 n/a 5% 5% 32% 32% SEB

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