Strategy 2030: Investments to Future-Proof SEB

8 Relative financial strength Cost/income ratio 2011-Jun 2022, rolling LTM 80% Cost of risk 2011-Jun 2022, rolling LTM 1.5% 70% 60% 50% 40% 1.0% 0.5% 0.0% SEB 45% -0.5% Return on equity 2011-Jun 2022, excluding IAC, rolling LTM CET1 capital ratio 2014-Jun 2022 25% 20% SEB 13.1% 15% 20% 10% 5% 0% Source: S&P Global 15% 10% SEB Nordic peer average European peer average SEB 0.07% SEB 18.6% SEB

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