First Quarter 2022 Investor Presentation

6 -10 ...allowing for an attractive profit growth over time SEK bn Operating income Profit before credit losses 70 60 50 50 40 40 30 20 10 0 1991 1993 1995 1997 1999 2001 2003 Operating expenses 2005 2007 2009 2011 2013 Credit losses Operating profit 2015 2017 2019 2021 CAGR 1990-2021 2011-2021 Operating income +5% +4% Operating costs +4% 0% Profit before +6% +9% credit losses SEB

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