Q4 2023 Financial Update

Q4 2023 financial update Financial summary Q4 2023 18 SEK m Q4 2023 Q3 2023 Q4 2022 Total operating income 20,136 20,979 -4% 18,798 +7% Net interest income 12,100 12,248 -1% 9,715 +25% Net ECL level Net fee and commission income 5,542 5,320 +4% 5,410 +2% 9 bps Net financial income 2,386 2,594 -8% 3.476 -31% C/I Total operating expenses -7,130 -6,905 +3% -6,757 +6% 0.35 Profit before ECL and imposed levies 13,006 14,073 -8% 12,041 +8% CET1 Net expected credit losses -664 17 -506 +31% 19.1% Imposed levies -1,075 -1,108 -3% -578 +86% Operating profit 11,267 12,983 -13% 9,558 +18% RoE 15.2% Income tax expense -2,894 -2,401 +21% -2,156 +34% Net profit 8,373 10,581 -21% 7,402 +13% SEB

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