SEB Nordic Outlook

43 Well-balanced long-term funding profile and solid credit rating Wholesale funding by product SEK 508bn equivalent 23% Maturity profile SEK bn 11% SEB's credit rating 4% 6% Rating Covered bonds SEK Short term Institute "Stand- alone rating" Long term Uplift Outlook Covered bonds non-SEK Fitch F1+ aa- AA- Stable Senior unsecured debt Moody's P-1 a3 Aa3 3 Stable 56% I Senior non-preferred debt S&P A-1 a A+ 1 Stable Subordinated debt Issuance history SEK bn 122 98 145 140 5 52 90 117 11 101 95 11 28 22 66 11 53 59 74 40 80 28 34 11 55 11 40 7 20 20 13 8 54 59 81 78 19 49 51 34 13 10 55 62 67 55 32 <1Y 1-2Y 2-3Y 3-4Y 4-5Y 5-7Y 7-10Y >10Y 2015 2016 2017 2018 2019 2020 YTD 2021 1 Excluding public covered bonds. 2 Tier 2 and Additional Tier 1 issues assumed to be called at first call date. SEB

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