Strategy 2030: Investments to Future-Proof SEB

37 Reasons for management capital buffer Sensitivity to currency fluctuations Impact of +5% SEK vs other currencies is 50bps on CET1 ratio 11% Sensitivity of Swedish pension surplus to interest rates SEK bn, Impact of -50 bps discount rate is -40bps on CET1 ratio* 60 50 50 42% 34% Share of credit risk REA EUR SEK USD INOK DKK GBP Other 40 30 20 10 0 2019 2020 2021 Pension liabilities Surplus *At current level of net pension assets, impact would be absorbed by surplus. ...& general macroeconomic uncertainties SEB

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