Investor Presentaiton

16 Financial summary Q2 2022 SEK m Q2 2022 Q1 2022 Q2 2021 Net ECL level Total operating income 14,441 14,768 -2% 13,924 +4% 6 bps Net interest income 7,742 7,062 +10% 6,468 +20% C/I Net fee and commission income 5,498 5,398 +2% 5,280 +4% 0.43 Net financial income 1,154 2,334 -51% 2,056 -44% CET1 Total operating expenses -6,201 -5,793 +7% -5,759 +8% 18.6% Profit before ECL and imposed levies 8,240 8,974 -8% 8,164 +1% Net expected credit losses -399 -535 -26% -7 RoE 12.3% Imposed levies -556 -582 -5% -242 +130% Operating profit 7,285 7,857 -7% 7,916 -8% SEB

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