SEB Nordic Outlook

Business model generates a stable income stream based on diversified income lines 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 14 12 10 8 6 4 2 0 2010 2012 2014 2016 Net interest income Net financial income LC & FI Net other income 8 Note: Traditional life income booked as net financial income as of January 2014. 2018 2020 Net fee & commission income Net financial income, excl. LC&FI 5 4 3 2 1 0 2010 2012 2014 2016 2018 2020 Payments, card, lending Asset value based Activity based Life insurance SEB

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