Strategy 2030: Investments to Future-Proof SEB

32 Expected credit loss allowances SEK bn Model overlay on portfolio level Underlying Stage 3 exposure 15.6 Model overlay on portfolio level A Q2-22-Q3-22 Oil, gas and offshore Geopolitical Expected credit loss allowances split by division, Q3-22 SEK bn Underlying Model overlay on portfolio level 5.6 0.6 11.8 10.2 10.0 9.1 9.1 8.5 9.0 1.8 8.8 8.6 8.2 7.4 1.9 1.9 2.0 0.5 2.0 5.0 2.2 0.8 1.1 8.4 6.9 6.9 7.1 6.1 6.6 0.4 1.4 0.1 0.7 LC&FI C&PC Baltic PWM&FO Q4-19 Q4-20 Q4-21 Q1-22 Q2-22 Q3-22 SEB

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