Strategy 2030: Investments to Future-Proof SEB

42 Diversified funding structure with deposits as primary funding source Funding sources 30 Sep 2022 12% 1% Loan to deposit ratio Excl repos 140% 10% 5% 3% 5% 15% 90% Jan 2018 Jan 2019 Jan 2020 Jan 2021 Jan 2022 49% Corporate deposits Household deposits Credit inst deposits Govmt & central bank deposits Covered bonds ■CP/CDs Senior debt Subordinated debt Lowest dependence on wholesale funding compared to peers Benchmarking Swedish banks' total funding sources incl equity 30 Jun 2022 Wholesale funding SEB Peer 1 Peer 2 ■Equity ■Deposits from the public ■Bail-in bonds Subordinated debt Covered bonds CP/CDs Peer 3 Deposits from credit institutions Senior preferred debt SEB

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