Q4 2023 Financial Update

Liquidity and funding Stable and diversified deposit base Deposits SEK bn, quarterly development 48 2,000 1,500 1,000 500 Q1 Q1 Q1 Q1 Q1 Q1 2014 2015 2016 2017 2018 2019 2020 Q1 Q1 Q1 2021 2022 Q1 2023 Deposits from the public By customer domicile Lux Other UK 3% 8% Ireland 3% 3% US 4% Baltics 15% Sweden 53% Other Nordics 11% Treasury deposits QoQ YTD YOY • Financial 13% +7% +7% Corporate -2% +2% +2% Household -1% -2% -2% 2% 2% 2% By product, % of deposits 1 Transaction account - Households Savings account Transaction account - Corporates Term account Other Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 2021 2021 2022 2022 2022 2022 2023 2023 2023 2023 Note: deposits over time exclude repos, per 31 December 2023. Deposit growth numbers adjusted for Treasury deposits and fx-effect. 1 Seasonal effect over year-end impacts quarter-on-quarter comparison. • Well diversified deposit base with proven stable corporate deposit base through long-term relationship model Geographical diversification across 50+ countries supports the bank's balance sheet management across sites and currencies 70% of household deposits insured via deposit guarantee schemes and 34% of total household and non- financial corporate deposits insured via deposit guarantee schemes SEB

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