Investor Presentaiton

58 38 SEB DNB SHB Volkswagen LF Bank 16.9 16.7 Year-end CET1 ratio under the Adverse scenario (%) EBA stress test 2021 confirms SEB's robust capital position 16.2 15.5 15.4 15.2 15.2 15.0 14.9 14.0 13.8 13.7 10.0 Belfius ABN Nordea 13.5 13.4 Crédit Mut. 13.4 OP 12.7 SBAB 12.0 Jyske 11.6 Danske 11.3 LBP 11.3 OTP 11.2 Bankinter 11.1 ING 11.0 Crédit Ag. 10.6 BPCE 10.2 DZ 10.2 Erste 10.2 CGD Pekao PKO Bank Swedbank KBC Nykredit NWB and BNG excluded, as not directly comparable banking model. BayernLB 10.0 Medioban. 9.7 Intesa 9.4 UniCredit 9.2 RBI 9.0 AIB 8.8 BBVA 8.7 Santander 8.7 Helaba 8.6 LBBW 8.4 BNPP 8.2 Commerz. 8.2 BCP 8.1 BOI 8.1 SocGen 7.5 DB 7.4 BPM 7.0 Sabadell 6.5 HSBC CE 5.9 MPS Rabobank Adverse scenario assumptions -cumulative GDP change (%) Finland -2.8 -3.3 -3.6 -4.1 -4.4 generation (%) Baseline scenario CET1 Norway EU Denmark Sweden generation (%) Adverse scenario CET1 2.1 1.9 0.7 0.8 1.7 0.1 1.3 0.3 1.1 1.3 -0.1 -0.8 -0.1 0.8 0.8 0.9 -1.6 2021 2022 2023 2021 -1.6 2022 2023 -SEB -Regional peers EU/EEA Average Regional peers include Danske Bank, DNB, Handelsbanken, Nordea, Nykredit, OP and Swedbank SEB

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