Strategy 2030: Investments to Future-Proof SEB

41 Strong liquidity position Liquidity Coverage Ratio 200% 100% 0% Peer benchmarking: 3- and 12-months maturing funding ratio 3 months funding ratio 600% 400% 200% 0% Q2 2022 Q1 2022 ■SEB Q4 2021 Q3 2021 Peer 1 Q2 2021 Peer 2 Q1 2021 Q4 2020 Average Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep 2019 2019 2019 2019 2020 2020 2020 2020 2021 2021 2021 2021 2022 2022 2022 Liquid assets 30 Sep 2022, SEK 1,196bn Level 2 assets 12 months funding ratio 200% Other 150% I High quality covered bonds 100% Level 1 assets I Extremely high quality covered bonds Treasuries & other Public Bonds ■Cash & holdings in Central Banks 50% 0% Q2 2022 Q1 2022 SEB Q4 2021 Peer 1 Q3 2021 Q2 2021 Q1 2021 Q4 2020 Peer 2 Peer 3 Average 1 Liquid assets in accordance with Liquidity Coverage Ratio in CRR. Liquid assets defined as on balance sheet cash and balances with central banks + securities (bonds and equities) net of short positions Funding ratio = liquid assets/ (maturing wholesale funding within 3/12m+ net interbank borrowing within 3/12m) Source: Fact Books of SEB and three other major Swedish banks. One peer does not disclose 3m ratio SEB

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