First Quarter 2022 Investor Presentation

52 Strong liquidity position Liquidity Coverage Ratio 218% Peer benchmarking: 3- and 12-months maturing funding ratio 3 months funding ratio 600% 174% 160% 49% 176% 163% 500% 138%139% 145% 133% 33%131% 400% 122% 300% 200% 100% 0% Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar 2019 2019 2019 2019 2020 2020 2020 2020 2021 2021 2021 2021 2022 Q4 2021 Q3 2021 SEB Q2 2021 Peer 1 Q1 2021 Q4 2020 Q3 2020 Q2 2020 Peer 2 Average Liquid assets 12 months funding ratio 31 Mar 2022, 945 SEK bn 200% Level 2 assets Other 217 High quality covered bonds 150% 100% Level 1 assets 624 Extremely high quality covered bonds 50% Treasuries & other Public Bonds 0% Cash & holdings in Central Banks Q4 2021 Q3 2021 ■SEB Q2 2021 Q1 2021 ■Peer 1 Peer 2 Q4 2020 Q3 2020 Q2 2020 ■Peer 3 Average 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 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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