Q4 2023 Financial Update

20 0 SEK bn 80 60 40 1990 1992 Compound annual growth rate (CAGR) Operating income Operating expenses Profit before ECL and imposed levies Note: data based on rolling four quarters. Figures restated since 2016. 6 SEB in brief Stable operating leverage growth over time. 1995 Operating income Operating expenses Profit before ECL and imposed levies 2010 2013 2016 1990 2023 2013-2023 2017-2023 +6% +7% +9% +5% +1% +3% +7% +12% +14% SEB 2019 2022 2023

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