Investor Presentaiton

41 Diversified funding structure with deposits as primary funding source Funding sources 30 Jun 2022 10% 3% 5% 5% 15% Corporate deposits Credit inst deposits Covered bonds CP/CDs 11% 1% 50% Household deposits Govmt & central bank deposits Senior debt Subordinated debt Wholesale Loan to deposit ratio Excl repos 140% 90% Jan 2018 Jan 2019 Jan 2020 Jan 2021 Jan 2022 Lowest dependence on wholesale funding compared to peers Benchmarking Swedish banks' total funding sources incl equity 31 Mar 2022 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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