Q4 2023 Financial Update

Capital Development of CET1 and Risk Exposure Amount year-over-year CET1 buffer development Bps Risk exposure amount development SEK bn 41 470 239 -70 -87 -147 -14 Target buffer 100-300bps 50 859 440 18 -6 -6 -22 47 3 -2 892 Dec 2022 Profit 1 Special dividend Share buy back 2 Regulatory changes 3 credit risk REA 4 REA market risk Dec 2023 Dec 2022 Asset size Asset quality FX movements Market risk Risk weight Operational CVA floors CRE risk Dec 2023 Sweden 5 1 Profit net of ordinary dividend. 2 In January 2024, SEB received a new supervisory approval to repurchase shares for up to SEK 2.5bn, and has deducted this amount in full from the CET1 capital. 3 Regulatory changes consist of SREP decision 2023 (IRB add-on, etc. -40bps) and the move of risk weight floors for exposures secured by real estate in Sweden from Pillar 2 to Pillar 1 (-30bps). Regulatory changes also consist of changes to countercyclical buffers in several geographies (-80bps). 4 REA credit risk includes asset size, asset quality and FX. 5 Transfer of risk weight floor for CRE from Pillar 2 to Pillar 1. SEB

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