Strategy 2030: Investments to Future-Proof SEB

5 -10 Strong profitable growth over time... SEK bn Operating income 70 Profit before credit losses 60 60 50 50 40 40 30 50 20 20 10 10 0 1991 1993 1995 1997 1999 2001 2003 2005 2007 2009 2011 Operating expenses Credit losses Operating profit 2013 2015 2017 2019 2021 CAGR 1990- 2013- Q3 2022 Q3 2022 Operating income +5% +5% Operating costs +4% 0% Profit before +6% +9% ECL & imposed levies SEB

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