First Quarter 2022 Investor Presentation

9 More diversified than peers. Well balanced credit portfolio Credit exposure (EAD) by sector, 31 Dec 2021 Diversified income stream Operating income by type, 31 Dec 2021 SHB Net fee & commission income SEB DNB Danske Nordea Swedbank SHB SEB Danske Nordea Swedbank Net interest income Corporates Institutions Real estate management Net financial income Household mortgages Other retail loans Other Source: Annual reports 2021 Net other income DNB SEB

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