Q4 2023 Financial Update

SEB in brief ... enabling long-term relative financial strength Cost efficiency Cost/income: 2011-LTM Q3 2023, excl. unusual items Asset quality Cost of risk: 2011-LTM Q3 2023 1.5% 70% 50% 30% 2011 2013 2015 2017 2019 2021 2023 Profitability SEB Nordic peer average European peer average 0.5% SEB 38% SEB 0.04% 2011 2013 2015 2017 2019 2021 2023 -0.5% Capital strength CET1 capital ratio: 2014 - Q3 2023 Return on equity: 2011-LTM Q3 2023, excl. unusual items 20% 25% SEB 17.3% 20% 10% 15% SEB 18.9% 0% 10% 2011 2013 2015 2017 2019 2021 2023 2014 2016 2018 2020 2022 Source: S&P Global. SEB 10

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