SEB Nordic Outlook

50 Strong liquidity position Liquidity Coverage Ratio 160% 149% 174% 218% 176% 138% 139% 31 Mar 2019 30 Jun 2019 30 Sep 2019 31 Dec 2019 31 Mar 2020 30 Jun 2020 30 Sep 2020 Liquid assets 30 Sep 2021, 937 SEK bn Level 2 assets Peer benchmarking: 3- and 12-months maturing funding ratio 3 months funding ratio 600% 500% 163% 400% 133% 133% 131% 300% 200% 100% 0% 31 Dec 2020 31 Mar 2021 30 Jun 2021 30 Sep 2021 Q2 2021 Q1 2021 SEB Q4 2020 Peer 1 Q3 2020 Peer 2 Q2 2020 Average Q1 2020 20 Other 97 234 High quality covered bonds Level 1 assets Extremely high quality covered bonds Treasuries & other Public Bonds 579 Cash & holdings in Central Banks Liquid assets in accordance with Liquidity Coverage Ratio in CRR. Liquid assets defined as on balance sheet cash and balances with central banks + securities (bonds and equities) net of short positions 12 months funding ratio 200% 150% 100% 50% 0% Q2 2021 Q1 2021 SEB ■ Peer 1 Peer 2 Q4 2020 ■Peer 3 Q3 2020 Average Funding ratio = liquid assets / (maturing wholesale funding within 3/12m+ net interbank borrowing within 3/12m) Source: Fact Books of SEB and three other major Swedish banks. One peer does not disclose 3m ratio SEB

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