SEB Nordic Outlook

42 Diversified funding structure with deposits as primary funding source Funding sources 30 Sep 2021 13% 5% 2% 5% 1% 11% 16% Loan to deposit ratio - deposits continue to grow Excl repos 140% 90% Jan 2018 Jan 2019 Jan 2020 Jan 2021 47% Corporate deposits Credit inst deposits Covered bonds CP/CDs Household deposits Govmt & central bank deposits Senior debt Subordinated debt Lowest dependence on wholesale funding compared to peers Benchmarking Swedish banks' total funding sources including equity, 30 Jun 2021 Wholesale funding SEB Peer 1 Peer 2 ■ Equity ■Deposits from the public Bail-in bonds Subordinated debt Covered bonds CP/CDs Peer 3 Deposits from credit institutions ■Senior preferred debt SEB

View entire presentation