Strategy 2030: Investments to Future-Proof SEB

27 Development of credit portfolio Credit portfolio by main sectors SEK bn Credit portfolio growth rates Quarter-on-quarter and year-on-year 2,000 1,500 1,000 500 -Corporates Housing co-ops - Commercial real estate Households - Residential real estate Sector QoQ YOY Corporates 5% 25% FX-adjusted 1 3% 11% Households -2% 1% Swedish mortgages -2% 0% Commercial real estate 0% 6% Residential real estate Housing co-ops -1% -4% 0% 0% Total (excluding banks) 3% 14% Q4-09 Q4-11 Q4-13 Q4-15 Note: data include on- & off-balance sheet exposures. 1 Corporate FX-adjusted excluding trading products. Q4-16 Q4-17 Q4-18 Q4-19 Q4-20 Q4-21 Q3-22 SEB

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