First Quarter 2022 Investor Presentation

48 SEB's covered bonds Outstanding covered bonds. SEK bn Moody's rating Total outstanding Benchmark Aaa SEK 327bn 400 300 Benchmark 96% 200 Non Benchmark 4% 100 0 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Maturity profile SEK bn Outstanding covered bonds % SEK vs non-SEK 100% 22 21 75% 10 13 60 49 55 37 43 23 50% 25% 0% >1 y 1-2 Y 2-3 Y 3-4Y 4-5 Y 5-7 Y 7-10 Y >10 Y 2012Q4 2014Q4 2016Q4 SEK Benchmark NonSEK Benchmark Non Benchmark Covered Bond SEK 2018Q4 Covered Bond Non-SEK 2020Q4 79% 21% SEB

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