Investor Presentaiton

40 Strong balance sheet structure with stable deposit base Strong balance sheet structure with deposits as primary source of funding 30 Jun 2022 SEK 4,113bn Long-term stable development of deposit SEK bn 2,000 1,500 Life insurance Derivatives Life insurance 1,000 500 Derivatives Client trading Client trading Short- term Liquid assets Funding <1y funding Cash & deposits CBs Liquidity portfolio Funding >1y Household deposits Household lending Long-term assets or "banking book" Corporate & public sector deposits Stable funding Corporate & public sector lending Assets Equity Liabilities 2007 2009 2011 2013 2015 2017 2019 2021 Corporate deposits Household deposits Public sector deposits Non-bank deposits in Treasury Stable structural funding position Net Stable Funding Ratio (NSFR) 110% 111% 111% 108% 110% 30 Jun 2021 30 Sep 2021 31 Dec 2021 31 Mar 2022 30 Jun 2022 SEB

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