Q4 2023 Financial Update

SEB in brief 7 ... has resulted in low credit losses over time... Credit loss level 0.11% 0.30% 0.92% 0.15% • Average annual credit loss level of 0.13% since 2007 • Excluding losses in the Baltics in 2009, average annual credit loss level of 0.09% since 2007 0.26% 0.08% 0.09% 0.09% 0.10% 0.06%-0.07% 0.05% 0.06% 9.07%- Average -0.08% 0.02% 0.03% 2007 2009 2011 2013 2015 2017 2019 2021 2023 SEB

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