First Quarter 2022 Investor Presentation

A northern European corporate and investment bank with international reach Norway Finland Sweden Estonia Denmark Netherlands St. Petersburg 26 New York United Latvia Lithuania Warsaw Dublin Kingdom Germany New Delhi Luxembourg Kyiv Switzerland Austria Nice Kuala Lumpur Beijing Shanghai Hong Kong Singapore Number of locations where SEB is present São Paulo • Our operating model To serve our customers locally ⚫ Home markets including Nordics, Baltics, Germany and UK Geographical expansion to the Netherlands, Austria and Switzerland Successful geographical expansion LC&FI client income, SEK bn Total New clients 2 22.3 23.2 20.4 19.0 17.6 15.1 13.2 14.0 • International Network spanning from New York to Shanghai 1 • International business mainly focused on large corporate and financial institution customers • Nordic and German expansion from 2010 12% 15% 15% 19% 18% 0% 2% 7% 2009 2010 2012 2014 2016 2018 2020 2021 Note: client income based on internal definition. 1 Including Poland, Russia, Ukraine, China, Hong Kong, Singapore, India, the United States and Brazil. 2 New clients since 2010. Including Sweden, Norway, Denmark, Finland, Germany and United Kingdom. 18 SEB

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