First Quarter 2022 Investor Presentation

Strong balance sheet structure with stable deposit base Strong balance sheet structure with deposits as primary source of funding 31 Mar 2022 Long-term stable development of deposit – continued high deposit inflow SEK bn 2007 2009 2011 2013 2015 Corporate deposits 2017 2019 Household deposits 2021 Public sector deposits Non-bank deposits in Treasury SEK 3,766bn 1,500 1,000 Life insurance Derivatives Life insurance 500 Derivatives Client trading Client trading Short- term Liquid assets Funding <1y funding Cash & deposits CBs Liquidity portfolio Funding >1y Household deposits Household lending Long-term assets or "banking book" Corporate & public sector deposits Stable funding Corporate & public sector lending 4 44 Assets Equity Liabilities Stable structural funding position Net Stable Funding Ratio (NSFR) 111% 110% 111% 111% 108% 31 Mar 2021 30 Jun 2021 30 Sep 2021 31 Dec 2021 31 Mar 2022 SEB

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