First Quarter 2022 Investor Presentation

36 ECL allowances for future expected credit losses SEK bn Model overlay on portfolio level Underlying Stage 3 exposure 15.6 Model overlay on portfolio level A Q4-21 Q1-21 Covid-19 Oil, gas and offshore Geopolitical (new) ECL allowances split by division, Q1 2022 SEK bn 5.0 Underlying Model overlay on portfolio level 11.8 10.2 0.8 10.0 8.5 1.8 8.8 8.2 7.4 1.9 0.5 2.0 2.0 4.3 0.8 1.1 8.4 6.9 6.9 0.4 6.2 1.2 0.1 0.6 LC&FI C&PC Baltic PWM&FO Q4-19 Q4-20 Q4-21 Q1-22 SEB

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