SEB Nordic Outlook

14 Financial aspirations for divisions evaluated annually Return on Business Equity Cost/Income Aspiration Actual 2020 Aspiration 1 Actual 2020 Large Corporates & Financial Institutions. >13% 8.1% <0.50 0.44 Corporate & Private Customers >17% 15.1% <0.40 0.43 Baltic >20% 16.8% <0.35 0.40 Life >30% 25.5% <0.45 0.52 Investment Management >40% 49.2% <0.40 0.38 SEB Group ~15% 10.3% 2 <0.45 0.46 1 To be viewed as long-term (5 year perspective), and will be updated based on other Nordic banks' performance. 2 Excluding items affecting comparability. SEB

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