Strategy 2030: Investments to Future-Proof SEB

Business model generates stable income based on diversified income sources Balanced mix of net interest income and other income Average quarterly income, SEK bn Growing net fee & commission income generated through strong market franchise and recurring income Average quarterly net fee & commission income, SEK bn 64 54 2010 2012 2014 2016 2018 2020 Jan-Sep 2022 2010 2012 2014 2016 2018 2020 Jan-Sep 2022 Net interest income Net fee & commission income Net financial income LC & FI Net other income I Net financial income, excl. LC&FI Note: Traditional life income booked as net financial income as of January 2014. | Payments, card, lending Activity based I Asset value based Life insurance SEB

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