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Third quarter January – September 2026 Stockholm 22 October 2026 Positively shaping the future. Today and for generations to come. Q3 2026

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SEB quarterly report – Third quarter 2026 2 CEO comment Following the announcement on 6 October that Johan Torgeby will leave his position as President and CEO, I was appointed acting President and CEO, a role I have taken on with a strong sense of responsibility. We have a clear strategy and business plan that remains unchanged, and we will continue to move the bank forward with a strong focus on our customers and our business. SEB has a long history of supporting people and businesses realise their ideas. This commitment spans generations and is as relevant today as it was when the bank was founded. Continued resilience amid global uncertainty Geopolitical uncertainty, rising interest rates and high energy prices continued to affect the global economy during the third quarter. Despite these challenges, the global economy remained resilient. Household consumption and labour markets held up relatively well and, at the same time, economic activity was supported by continued strong investment in areas such as AI, defence and the energy transition. Overall, equity markets also performed well. During September, there was a sharp repricing of market interest rates following several different factors. During the quarter, both the Fed and the ECB raised their policy rates, while the Riksbank left the policy rate unchanged, but indicated an increased probability of a rate hike later in the year. In Sweden, the economic recovery continued to gain momentum and broaden over the summer, supported by increased household consumption. At the same time, higher interest rates and persistently high energy prices risk dampening consumer confidence and consumption going forward. In a rapidly changing world, our role as a bank is to support our customers navigate uncertainty. Robust result in volatile rate environment Overall customer activity remained solid. We saw continued credit demand across all divisions, with lending growth of 3 per cent in the quarter and 6 per cent year on year. Operating income was stable compared to a year ago. In the quarter, net interest income continued to grow, while net fee and commission was down in line with seasonal patterns, but increased compared to the same quarter last year. Investment Banking activity remained resilient across most business areas, in particular Equities and Debt Capital Markets. Net financial income was negatively impacted by muted client activity and a challenging market-making environment for the fixed income, foreign exchange and commodities business. We continue to manage costs diligently and as a result of the ongoing cost consolidation, we expect to come in below the 2026 full year cost target by approximately SEK 500-600m. Asset quality remained robust and we reported 2 basis points in net expected credit losses. Overall, we delivered a robust result with a return on equity of 13 per cent. IRB update Mid-October, the Swedish FSA decided to impose a temporary add-on to SEB’s capital requirements as of 31 December 2026 due to deficiencies identified in the bank’s IRB models 1. The review concerns regulatory compliance and is not related to the level of capital in relation to the bank’s risks. We acknowledge that meeting the new regulatory requirements has taken longer than expected. SEB expects to start submitting new IRB models in the third quarter of 2027 at the latest. 1 For further information, see page 12, “Events after the balance sheet date”. Strong capital generation The pickup in credit demand from the bank’s customers, experienced over the past quarters, continued. Nonetheless, the bank’s capital buffer remained unchanged at 250 basis points as a result of healthy capital generation. In light of continued loan growth in combination with the capital impact from the Swedish FSA’s decision, the bank will pause its share buybacks. Closing a chapter A chapter relating to historical anti-money laundering matters in the Baltics during 2015-2019 has now been closed. SEB reached a resolution with the New York State Department of Financial Services, while the US Department of Justice concluded its review without taking any action. Continuing to build for the future AI is central to our efforts to enhance customer value, improve productivity and future-proof the bank. During the quarter, we took the next step with Sferical AI, a company co-founded by SEB to establish a sovereign AI compute platform in Sweden. We are now moving from development to practical application, enabling us to gradually scale the use of AI across the bank. At the same time, several other AI initiatives are progressing from exploration to deployment. Our focus is on using the technology where it creates tangible value for our customers and employees, in a safe and responsible manner. It is encouraging that institutional investors once again ranked SEB highly, with client assessments of our equities business improved for the fourth consecutive year. Among private customers, satisfaction remains high in personal interactions, while we continue to improve the digital customer experience. During the quarter, we introduced a number of enhancements to our mobile app. We remain focused on customers, business and simplicity. This year's employee survey shows continued strong employee engagement, above the global benchmark, which is a key factor in continuing to develop the bank and create value for our customers. Jonas Ahlström Acting President and CEO

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SEB quarterly report – Third quarter 2026 3 Third quarter 2026 — Continued credit demand across all divisions and a record high net fee and commission income for a third quarter — Challenging FICC market conditions affected net financial income negatively — We continue to manage costs diligently and as a result of the ongoing cost consolidation, we expect to come in below the 2026 full year cost target by approximately SEK 500-600m — In light of continued loan growth in combination with the capital impact from the Swedish FSA’s decision regarding the IRB models, the bank will pause share buybacks Loans to and deposits from the public Assets under management Liquidity coverage and leverage ratios CET1 capital ratio and return on equity *Excluding items affecting comparability Q3 Full-year SEK m 2026 2026 % 2025 % 2026 2025 % 2025 Total operating income 18 626 20 055 -7 18 664 -0 57 087 58 045 -2 76 939 Total operating expenses 8 178 8 014 2 7 921 3 23 807 24 144 -1 32 596 Net expected credit losses 179 345 -48 203 -12 1 070 1 161 -8 1 548 Imposed levies 857 922 -7 822 4 2 591 2 668 -3 3 480 Operating profit before items affecting comparability 9 412 10 774 -13 9 719 -3 29 618 30 072 -2 39 314 Items affecting comparability -416 Operating profit 9 412 10 774 -13 9 719 -3 29 618 30 072 -2 38 898 NET PROFIT 7 498 8 664 -13 7 677 -2 23 659 23 754 -0 31 063 Return on equity, % 13.0 15.7 14.0 13.9 14.1 13.8 Return on equity excluding items affecting comparability, % 13.0 15.7 14.0 13.9 14.1 14.0 Basic earnings per share, SEK 3.85 4.44 3.87 12.12 11.89 15.60 Q2 Q3 Jan-Sep 2 238 2 409 2 500 1 702 2 030 1 979 Dec - 25 Jun - 26 Sep - 26 Loans Deposits SEK bn 3 069 3 157 Jun - 26 Sep - 26 SEK bn Value change Net flow 87.2 0.3 150 125 136 5.7 5.1 5.1 Dec - 25 Jun - 26 Sep - 26 LCR Leverage ratio Per cent 17.7 17.2 17.1 13.6* 15.7 13.0 Dec - 25 Jun - 26 Sep - 26 CET1 capital ratio RoE Per cent

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SEB quarterly report – Third quarter 2026 4 Table of contents SEB Group .................................................................................................................................................................. 5 Income statement on a quarterly basis, condensed ................................................................................................5 Key figures ......................................................................................................................................................................6 The third quarter............................................................................................................................................................7 The first nine months ....................................................................................................................................................9 Business volumes ....................................................................................................................................................... 10 Risk and capital ........................................................................................................................................................... 10 Events after the balance sheet date ....................................................................................................................... 12 Other information ....................................................................................................................................................... 13 Business segments ................................................................................................................................................ 14 Income statement by segment ................................................................................................................................ 14 Financial statements – SEB Group ..................................................................................................................... 23 Income statement, condensed ................................................................................................................................. 23 Statement of comprehensive income ..................................................................................................................... 24 Balance sheet, condensed ........................................................................................................................................ 25 Statement of changes in equity ............................................................................................................................... 26 Cash flow statement, condensed ............................................................................................................................ 27 Notes to the financial statements – SEB Group ............................................................................................... 28 Note 1. Accounting policies and presentation ....................................................................................................... 28 Note 2. Net interest income ..................................................................................................................................... 29 Note 3. Net fee and commission income ................................................................................................................ 29 Note 3. Gross fee and commission income by segment ...................................................................................... 30 Note 4. Net financial income .................................................................................................................................... 31 Note 5. Net expected credit losses ......................................................................................................................... 31 Note 6. Imposed levies .............................................................................................................................................. 32 Note 7. Items affecting comparability .................................................................................................................... 32 Note 8. Pledged assets and obligations.................................................................................................................. 33 Note 9. Financial assets and liabilities .................................................................................................................... 33 Note 10. Assets and liabilities measured at fair value ......................................................................................... 34 Note 11. Exposure and expected credit loss (ECL) allowances by stage ........................................................ 37 Note 12. Movements in allowances for expected credit losses ........................................................................ 40 Note 13. Loans and expected credit loss (ECL) allowances by industry ......................................................... 41 Note 14. Uncertainties............................................................................................................................................... 42 SEB consolidated situation .................................................................................................................................. 43 Note 15. Capital adequacy analysis ........................................................................................................................ 43 Note 16. Own funds ................................................................................................................................................... 44 Note 17. Risk exposure amount ............................................................................................................................... 45 Note 18. Average risk-weight .................................................................................................................................. 46 Skandinaviska Enskilda Banken AB (publ) – parent company ...................................................................... 47 Signature of the President ........................................................................................................................................ 53 Review report ............................................................................................................................................................. 53 Contacts and calendar .......................................................................................................................................... 54 Definitions .............................................................................................................................................................. 55

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SEB quarterly report – Third quarter 2026 5 SEB Group Income statement on a quarterly basis, condensed Q3 Q2 Q1 Q4 Q3 SEK m 2026 2026 2026 2025 2025 Net interest income¹⁾ 10 881 10 687 10 242 10 348 10 540 Net fee and commission income 6 702 7 194 6 410 6 814 6 287 Net financial income¹⁾ 1 124 2 421 1 699 1 709 1 767 Net other income -81 -247 56 22 70 Total operating income 18 626 20 055 18 406 18 894 18 664 Staff costs 5 360 5 276 5 005 5 228 5 160 Other expenses 2 210 2 146 2 016 2 643 2 064 Depreciation, amortisation and impairment of tangible and intangible assets 607 592 594 582 697 Total operating expenses 8 178 8 014 7 616 8 453 7 921 Profit before credit losses and imposed levies 10 448 12 041 10 791 10 441 10 744 Net expected credit losses 179 345 546 387 203 Imposed levies 857 922 813 812 822 Operating profit before items affecting comparability 9 412 10 774 9 432 9 241 9 719 Items affecting comparability -416 Operating profit 9 412 10 774 9 432 8 826 9 719 Income tax expense 1 914 2 110 1 935 1 517 2 042 NET PROFIT 7 498 8 664 7 497 7 308 7 677 Attributable to shareholders of Skandinaviska Enskilda Banken AB 7 498 8 664 7 497 7 308 7 677 Basic earnings per share, SEK 3.85 4.44 3.83 3.71 3.87 Diluted earnings per share, SEK 3.81 4.39 3.79 3.67 3.83 ¹⁾ Comparative figures for 2025 have been restated for changed presentation of interest accruals on derivatives that economically hedge banking book items. These accruals were previously presented within Net financial income and are now presented in Net interest income. The restated amounts for 2025 are SEK 281m Q4 and SEK 122m Q3.

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SEB quarterly report – Third quarter 2026 6 Key figures Q3 Q2 Q3 Full year 2026 2026 2025 2026 2025 2025 Return on equity, % 13.0 15.7 14.0 13.9 14.1 13.8 Return on equity excluding items affecting comparability, % 1) 13.0 15.7 14.0 13.9 14.1 14.0 Return on total assets, % 0.7 0.8 0.7 0.8 0.8 0.8 Return on risk exposure amount, % 2.8 3.4 3.1 3.1 3.2 3.2 Cost/income ratio 0.44 0.40 0.42 0.42 0.42 0.42 Basic earnings per share, SEK 3.85 4.44 3.87 12.12 11.89 15.60 Weighted average number of shares, millions 2) 1 947 1 952 1 981 1 953 1 998 1 991 Diluted earnings per share, SEK 3.81 4.39 3.83 11.98 11.75 15.43 Weighted average number of diluted shares, millions 3) 1 969 1 974 2 004 1 974 2 021 2 014 Net worth per share, SEK 128.82 123.85 120.34 128.82 120.34 124.86 Equity per share, SEK 120.67 115.81 112.88 120.67 112.88 117.39 Average shareholders' equity, SEK bn 229.9 220.8 219.8 227.6 224.7 225.4 Number of outstanding shares, millions 2) 1 945 1 950 1 975 1 945 1 975 1 962 Net ECL level, % 0.02 0.05 0.03 0.05 0.05 0.05 Stage 3 Loans / Total Loans, gross, % 0.51 0.54 0.36 0.51 0.36 0.41 Liquidity Coverage Ratio (LCR), % 4) 136 125 136 136 136 150 Net Stable Funding Ratio (NSFR), % 5) 113 110 116 113 116 113 Own funds requirement, Basel III Risk exposure amount, SEK m 1 076 582 1 048 518 979 686 1 076 582 979 686 986 125 Expressed as own funds requirement, SEK m 86 127 83 881 78 375 86 127 78 375 78 890 Common Equity Tier 1 capital ratio, % 17.1 17.2 18.2 17.1 18.2 17.7 Tier 1 capital ratio, % 19.0 19.1 19.7 19.0 19.7 19.1 Total capital ratio, % 21.7 21.3 22.3 21.7 22.3 21.6 Leverage ratio, % 5.1 5.1 5.1 5.1 5.1 5.7 Number of full-time equivalents (FTEs) 6) 18 413 18 491 18 804 18 431 19 008 18 929 Assets under custody, SEK bn 22 798 22 372 19 601 22 798 19 601 20 258 Assets under management, SEK bn 3 157 3 069 2 820 3 157 2 820 2 904 6) Quarterly numbers are for end of quarter. Accumulated numbers are average for the period. 5) In accordance with Regulation (EU) No 575/2013 (CRR). ¹⁾ Related to impairment of goodwill for SEB Card in full year 2025. Jan-Sep ²⁾ At 30 September 2026 the number of issued shares amounted to 1,985,461,084 and SEB held 40,897,842 own Class A shares with a market value of SEK 9,525m. The number of outstanding shares amounted to 1,944,563,242. At year-end 2025 the number of issued shares was 2,042,697,474 and SEB owned 81,121,103 Class A shares. During 2026 SEB has purchased 1,837,454 shares for the long-term equity- based programmes and 4,789,990 shares were sold/distributed. During 2026 SEB has purchased 19,965,665 shares for capital purposes and 57,236,390 shares held for capital purposes were cancelled. ³⁾ Weighted average diluted number of shares, adjusted for the dilution effect of potential shares in the long-term equity-based programmes. 4) In accordance with the EU delegated act.

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SEB quarterly report – Third quarter 2026 7 The third quarter Operating profit decreased by 13 per cent compared with the previous quarter and amounted to SEK 9,412m (10,774). Year- on-year, operating profit decreased by 3 per cent. Net profit decreased to SEK 7,498m (8,664). Operating income Total operating income decreased by 7 per cent compared with the previous quarter and amounted to SEK 18,626m (20,055). Year- on-year, total operating income was unchanged. Net interest income increased by 2 per cent compared with the previous quarter to SEK 10,881m (10,687), explained mainly by higher volumes and higher interest rates. The positive currency effect amounted to SEK 72m. Year-on-year, net interest income increased by 3 per cent. Net interest income breakdown 1 Interest income from loans to the public increased by SEK 1,128m compared with the previous quarter, driven by higher interest rates, higher lending volumes and one more calendar day. Interest expense on deposits from the public increased by SEK 599m in the third quarter, mainly due to higher interest rates. Deposit guarantee fees amounted to SEK 96m (110). Other net interest income decreased by SEK 337m, mainly due to increased funding following stronger loan growth, but also from a seasonally lower activity in Fixed Income. Net fee and commission income breakdown Net fee and commission income decreased by 7 per cent to SEK 6,702m (7,194) mainly due to a seasonal slowdown in investment banking activity following a strong second quarter, as well as lower card fees. Currency effects had a positive impact of SEK 76m. Year-on-year, net fee and commission income increased by 7 per cent. Net payment and card fees decreased by 2 per cent to SEK 1,886m (1,934), reflecting seasonal effects. Net securities commission income decreased by 13 per cent to SEK 2,850m (3,258), following the high activity levels recorded in the second quarter. Gross commission income from custody and mutual funds, excluding performance fees, increased by 3 per cent to SEK 3,053m (2,960), mainly on the back of higher asset values. Performance fees amounted to SEK 2m (9). Gross commission income from securities issuance amounted to SEK 152m (518) and gross secondary market commission income amounted to SEK 459m (563). Net life insurance commissions increased by 1 per cent to SEK 228m (226). Net other commission income, which includes lending, advisory, deposits, derivatives and guarantees, decreased by 2 per cent to SEK 1,738m (1,775). Gross lending fees amounted to SEK 1,057m (1,054). Gross advisory fees amounted to SEK 196m (231), reflecting lower Corporate Finance activity. 1 The table specifies interest income from loans to the public and interest expense from deposits from the public, and other, without adjustments for internal transfer pricing. Q3 Q2 Q3 SEK m 2026 2026 2025 Loans to the public 18 419 17 291 17 949 Deposits from the public -8 787 -8 188 -9 839 Other, including funding and liquidity 1 248 1 585 2 430 Net interest income 10 881 10 687 10 540 Q3 Q2 Q3 SEK m 2026 2026 2025 Payment and card fees, net 1 886 1 934 1 795 Securities commisions, net¹⁾ 2 850 3 258 2 531 Life insurance commissions, net 228 226 234 Other commissions, net²⁾ 1 738 1 775 1 727 Net fee and commission income 6 702 7 194 6 287 ¹⁾ Issues of securities, Secondary market, Custody and mutual funds. ²⁾ Lending fees, Advisory fees, Deposits, Derivatives, Guarantees and other. Comparative numbers (presented in brackets throughout the report) Unless otherwise stated: - the result for the reporting quarter is compared with the previous quarter, - the result for the first nine months is compared with the first nine months of the prior year, and - business volumes are compared with the previous quarter. The following reporting changes were implemented 1 January 2026 - Changed presentation of interest accruals on derivatives that economically hedge banking book items. From 2026, these accruals are reported in net interest income instead of net financial income, to better reflect banking margin performance. In addition, interest income and expense from derivatives in hedge accounting relationships, are presented in net interest income and now aligned with the presentation of the hedged item under the effective interest rate method. This move had a positive effect on net interest income and a corresponding negative effect on net financial income. - SEB moved Mid Corporate clients from Business & Retail Banking to Corporate & Investment Banking, resulting in a restatement of both divisions for the last eight quarters, 2024-2025. This restatement affects both the income statement and balance sheet.

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SEB quarterly report – Third quarter 2026 8 Net financial income decreased by 54 per cent to SEK 1,124m (2,421), mainly due to lower client-related income and a challenging market environment for market-making in FICC Markets and negative valuation effects in Treasury’s liquidity portfolio. Net financial income from the divisions decreased to SEK 1,166m (2,028), mainly reflecting the development in the Corporate & Investment Banking division. The fair value adjustments on derivative positions1 amounted to SEK 106m (-5). Valuation changes of larger holdings, including among others FinTech and GreenTech investments and strategic shares, amounted to SEK 46m (676). Euroclear had a positive effect of SEK 403m (698). Group Function and eliminations also include a negative impact from Treasury. Net other income amounted to SEK -81m (-247). Unrealised valuation and hedge accounting effects are included in this line item. The third quarter was less negatively affected by market valuations of non-core assets held within Corporate & Investment Banking compared with the preceding quarter. Operating expenses Total operating expenses increased by 2 per cent and amounted to SEK 8,178m (8,014). Staff costs increased by 2 per cent, driven by higher social security costs related to long-term incentive programmes, partly offset by lower pension and redundancy costs. The higher social security costs reflected the increase in the SEB share price. The number of full-time equivalents decreased to 18,413 (18,491), reflecting the ongoing cost consolidation as well as seasonal staff during the summer period. Other expenses increased by 3 per cent, mainly due to higher IT costs. Supervisory fees amounted to SEK 62m (55). Costs have been managed diligently during 2026. The cost target for 2026 is outlined on page 13. Net expected credit losses Net expected credit losses amounted to SEK 179m (345), corresponding to a net expected credit loss level of 2 basis points (5). Overall asset quality remained robust. New provisions were partly offset by reversals and a minor release of portfolio model overlays to SEK 0.8bn (0.8). For more information on credit risk, asset quality, net expected credit losses and ECL allowances, see page 10 and notes 5, 11, 12 and 13. 1 Includes unrealised valuation adjustments from counterparty risk (CVA), own credit risk standing in derivatives (DVA), funding (FVA) and collateral (ColVa). Own credit risk for issued securities (OCA) is reflected in Other comprehensive income. Imposed levies Imposed levies amounted to SEK 857m (922). The risk tax on credit institutions in Sweden amounted to SEK 409m (409). The resolution fund fees, mainly related to the parent company, amounted to SEK 344m (353). The solidarity contribution levy in Latvia increased to SEK 101m (5), mainly because the previous quarter included a partial refund of the prior year’s contributions. See note 6. Items affecting comparability There were no items affecting comparability in the third quarter. In the fourth quarter 2025, an impairment of goodwill for SEB Card Norway of SEK 416m was recognised in the division Business & Retail Banking. See note 7. Income tax expense Income tax expense amounted to SEK 1,914m (2,110) with an effective tax rate of 20.3 per cent (19.6). The change in the effective tax rate is mainly explained by tax-exempt revaluations of investments in shares held for business purposes. Return on equity Return on equity for the third quarter amounted to 13.0 per cent (15.7). Other comprehensive income Other comprehensive income amounted to SEK 2,636m (2,801). The value of SEB’s pension plan assets continued to exceed the defined benefit obligations to the employees. Meanwhile, the discount rate used for the Swedish pension obligation was changed to 3.95 per cent (3.40). The net value of the defined benefit pension plans contributed with SEK 2,008m (2,504) to other comprehensive income. The long-term inflation assumption remained unchanged at 2 per cent. The net effect from the valuation of balance sheet items that may subsequently be reclassified to the income statement, i.e. cash flow hedges and translation of foreign operations, amounted to SEK 631m (298).

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SEB quarterly report – Third quarter 2026 9 The first nine months Operating profit decreased by 2 per cent compared with the first nine months 2025, to SEK 29,618m (30,072). Net profit amounted to SEK 23,659m (23,754). Operating income Total operating income decreased by 2 per cent compared with the first nine months of 2025 and amounted to SEK 57,087m (58,045). Net interest income decreased by 1 per cent compared with the first nine months of 2025, to SEK 31,810m (32,007). Net interest income was affected by a negative currency effect amounting to SEK 172m in the first nine months. Net interest income breakdown 1 Interest income from loans to the public decreased by SEK 3,901m during the first nine months mainly due to the lower interest rate environment. Interest expense on deposits from the public decreased by SEK 7,258m in the first nine months, mainly due to the lower interest rate environment. The deposit guarantee fees decreased to SEK 316m (356). Other net interest income decreased by SEK 3,554m, mainly due to lower volumes and interest rates related to liquidity at central banks. Net fee and commission income breakdown Net fee and commission income increased by 3 per cent in the first nine months to SEK 20,305m (19,677). Net payment and card fees were largely unchanged at SEK 5,620m (5,635) compared with the first nine months of 2025. Net securities commission income increased by 9 per cent to SEK 8,877m (8,150). Gross commission income from custody and mutual funds, excluding performance fees, increased to SEK 8,764m (7,958). Higher asset values supported fund-related commission income. Performance fees decreased to SEK 43m (91). Gross commission income from securities issuance increased to SEK 871m (774). Gross secondary market commission income increased to SEK 1,505m (1,334), supported by higher client activity. Net life insurance commissions decreased by 4 per cent to SEK 673m (703), mainly due to lower average underlying asset values, partly reflecting the effect of the pension reform in Lithuania. Net other commission income decreased by 1 per cent to SEK 5,136m (5,189). Gross lending fees were unchanged at SEK 3,090m (3,101), gross advisory fees decreased to SEK 580m (604), while deposits, derivatives, guarantees and other increased to SEK 2,258m (2,138). Net financial income decreased by 17 per cent to SEK 5,243m (6,323) compared with the first nine months of 2025. Customer activity in FICC Markets was lower compared with the first nine months of 2025, when client activity was higher. The fair value adjustments on derivative positions 2 amounted to SEK 43m (84). Valuation changes of larger holdings, including among others FinTech and GreenTech investments and strategic shares amounted to SEK 653m (87). Euroclear had a positive effect of SEK 1,116m (144), following an agreement for divestment. Net other income amounted to SEK -272m (38), mainly reflecting negative market valuations of non-core assets held within the Corporate & Investment Banking division, primarily recognised in the second quarter. Unrealised valuation and hedge accounting effects are included in this line item. Operating expenses Total operating expenses decreased by 1 per cent to SEK 23,807m (24,144). Staff costs decreased by 1 per cent during the first nine months, mainly due to lower pension, redundancy and other staff costs. The number of full-time equivalents decreased to 18,431 (19,008), reflecting cost consolidation and efficiencies. Supervisory fees amounted to SEK 182m (178). Net expected credit losses Net expected credit losses amounted to SEK 1,070m (1,161), corresponding to a net expected credit loss level of 5 basis points (5). New provisions were offset by reversals of provisions and a release of portfolio model overlays. The overall asset quality of the credit portfolio remained robust. For more information on credit risk, asset quality, net expected credit losses and the portfolio model overlays, see page 10 and notes 5, 11, 12 and 13. Imposed levies Imposed levies decreased marginally to SEK 2,591m (2,668). See note 6. Income tax expense Income tax expense amounted to SEK 5,958m (6,318) with an effective tax rate of 20.1 per cent (21.0). The change in the effective tax rate is mainly explained by tax-exempt revaluations of investments in shares held for business purposes. Return on equity Return on equity for the first nine months amounted to 13.9 per cent (14.1). Other comprehensive income Other comprehensive income amounted to SEK 6,787m (-1,129). The net value of the defined benefit pension plans contributed with SEK 5,495m (-197). The net effect from the valuation of balance sheet items that may subsequently be reclassified to the income statement, i.e. cash flow hedges and translation of foreign operations amounted to SEK 1,297m (-939). 1 The table specifies interest income from loans to the public and interest expense from deposits from the public, and other, without adjustments for internal transfer pricing. 2 Includes unrealised valuation adjustments from counterparty risk (CVA), own credit risk standing in derivatives (DVA), funding (FVA) and collateral (ColVa). Own credit risk for issued securities (OCA) is reflected in Other comprehensive income. Change SEK m 2026 2025 % Loans to the public 52 209 56 110 -7 Deposits from the public -24 607 -31 865 -23 Other, including funding and liquidity 4 208 7 762 -46 Net interest income 31 810 32 007 -1 Jan-Sep Change SEK m 2026 2025 % Payment and card fees, net 5 620 5 635 -0 Securities commisions, net¹⁾ 8 877 8 150 9 Life insurance commissions, net 673 703 -4 Other commissions, net²⁾ 5 136 5 189 -1 Net fee and commission income 20 305 19 677 3 ¹⁾ Issues of securities, Secondary market, Custody and mutual funds. ²⁾ Lending fees, Advisory fees, Deposits, Derivatives, Guarantees and other. Jan-Sep

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SEB quarterly report – Third quarter 2026 10 Business volumes Total assets as of 30 September 2026 amounted to SEK 4,439bn, representing an increase of SEK 85bn from the end of the second quarter 2026 (4,355). Loans Loans to the public increased by SEK 91bn in the third quarter, to SEK 2,500bn (2,409), mainly driven by higher loan volumes to non-financial corporates and a positive currency effect amounting to SEK 36bn. Loans as well as contingent liabilities and derivatives are included and managed in the credit portfolio. See the section Risk and capital for information on the credit portfolio. Deposits and borrowings Deposits and borrowings from the public decreased by SEK 51bn in the third quarter, to SEK 1,979bn (2,030), mainly due to lower deposits in Corporate & Investment Banking, reflecting event- driven deposits in the previous quarter. Deposits from financial corporations decreased by SEK 2bn and deposits from non-financial corporations decreased by SEK 32bn. Household deposits were unchanged. Debt securities Debt securities increased by SEK 28bn to SEK 343bn in the third quarter (315). Debt securities are held to support customer risk management and trading activities as well as SEB’s liquidity management. They are short-term in nature, have high creditworthiness and are recognised at market value. Assets under management and custody Total assets under management increased to SEK 3,157bn (3,069) during the third quarter. Average assets under management also increased. The underlying market value increased by SEK 87bn (195), reflecting positive equity market developments during the quarter. Net flow of assets under management amounted to SEK 0.3bn (11). Assets under custody increased to SEK 22,798bn (22,372). Risk and capital SEB’s business is exposed to different types of risks. The risk composition of the Group, as well as the related risk, liquidity and capital management, are described in SEB’s Annual Report for 2025 (see page 44-45 and notes G37 and G38), in the Capital Adequacy and Risk Management Report for 2025 as well as the quarterly additional Pillar 3 disclosures. Further information is available in SEB’s Fact Book that is published quarterly. Credit risk and asset quality SEB’s credit portfolio, which includes loans, contingent liabilities and derivatives, increased by SEK 122bn in the third quarter to SEK 3,298bn (3,176). The corporate portfolio increased by SEK 95bn mainly due to a broad-based underlying credit demand from large corporates and in the Baltics. Currency effects contributed positively. The real estate management portfolios, including housing co-operative associations, increased by SEK 12bn across all divisions. Household mortgages increased by SEK 12bn, with growth both in Sweden and the Baltics. The overall asset quality of the credit portfolio remained robust. Stage 2 exposures, gross, decreased to SEK 93bn (104) due to risk migration in the household segment from Stage 2 to Stage 1. Stage 3 exposures, gross, amounted to SEK 12.5bn (12.5). The share of Stage 3 loans, gross, was 0.51 per cent (0.54). Total ECL allowances amounted to SEK 7.3bn (7.5), of which SEK 0.8bn (0.8) were portfolio model overlays. The decrease in ECL allowances was driven by write-offs against reserves, reversals and a release of model overlays, which were partly offset by new provisions and currency effects. Notes 11-13 provide a more detailed breakdown of SEB’s loan portfolio by industry and asset quality as well as corresponding ECL allowances. Market risk Market volatility related to interest rates led to increased market risk, measured as VaR. Average VaR in the trading book (as used for capital adequacy measurement under the Internal Model Approach) increased in the third quarter and amounted to SEK 181m (176). SEB does not expect to lose more than this amount, on average, during a period of ten trading days with 99 per cent probability. SEB’s business model is mainly driven by customer demand. 30 Sep 30 Jun 31 Dec SEK bn 2026 2026 2025 General governments 17 16 15 Financial corporations 152 136 123 Non-financial corporations 1 128 1 090 1 029 Households 762 748 741 Collateral margin 119 109 97 Reverse repos 322 309 234 Loans to the public 2 500 2 409 2 238 30 Sep 30 Jun 31 Dec SEK bn 2026 2026 2025 General governments 72 96 32 Financial corporations 526 528 410 Non-financial corporations 821 853 760 Households 482 482 464 Collateral margin 68 63 34 Repos 9 9 3 Deposits and borrowings from the public 1 979 2 030 1 702 30 Sep 30 Jun 31 Dec SEK bn 2026 2026 2025 Banks 134 131 107 Corporates 1 875 1 780 1 665 Commercial real estate management 263 251 232 Residential real estate management 141 140 140 Housing co-operative associations Sweden 68 67 66 Public administration 48 50 53 Household mortgage 685 673 661 Household other 85 83 83 Total credit portfolio 3 298 3 176 3 006

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SEB quarterly report – Third quarter 2026 11 Liquidity and funding SEB maintains a strong and diversified liquidity and funding position with good market access. The loan-to-deposit ratio, excluding repos and collateral margin, increased to 108 per cent (102) as of 30 September 2026, due to lower deposits, reflecting event-driven deposits in the previous quarter. Funding markets remained resilient through a volatile third quarter. Credit spreads widened from tight levels as geopolitical uncertainty, persistent inflation concerns and volatile interest rates weighed on market sentiment. Despite the more challenging backdrop, investor demand remained solid and primary markets continued to function well across the capital structure. New issuance during the quarter amounted to SEK 51bn, of which SEK 29bn in covered bonds, SEK 10bn in senior unsecured bonds, SEK 6bn in senior non-preferred and SEK 6bn in the form of Tier 2 capital. SEK 12bn long-term funding matured during the quarter. Outstanding short-term funding in the form of commercial paper and certificates of deposit increased by SEK 77bn. SEB will maintain a proactive funding approach that ensures adequate buffers to regulatory requirements as well as defends uplifts from key rating metrics such as Fitch’s Resolution Debt Buffer and Moody’s LGF. Weighted High Quality Liquid Assets, defined according to the liquidity coverage ratio (LCR) requirements, decreased to SEK 978bn as of 30 September 2026 (1,021). The LCR was 136 per cent (125). The minimum regulatory requirement is 100 per cent. The net stable funding ratio (NSFR) requirement is that stable funding shall be at least 100 per cent of illiquid assets. As of 30 September 2026, SEB’s NSFR was 113 per cent (110). Rating Following a methodology change implemented in May 2026, Fitch upgraded SEB’s long-term senior unsecured debt to AA+ with a stable outlook. The rating is based on SEB’s low risk appetite, well- executed strategy, and robust asset quality and capitalisation. The rating was affirmed in June 2026. In April 2026, Moody’s affirmed SEB’s long-term unsecured debt rating of Aa3 and changed the outlook from positive to stable. An upgrade of SEB’s Baseline Credit Assessment (BCA) rating from A3 to A2 reflecting the bank’s long-term track record, judicious risk management and prudent capital management, compensated for negative pressure from the depositor preference to be implemented in the EU. In November 2025, S&P upgraded the credit rating of SEB’s long-term senior unsecured debt from A+ to AA- with a stable outlook. The upgrade reflects the bank’s ability to generate high and stable risk-adjusted profitability, strong business diversification and robust asset quality and capitalisation. Risk exposure amount The total risk exposure amount (REA) increased by SEK 28bn to SEK 1,077bn during the third quarter. Credit risk REA increased by SEK 30bn, driven by both volume growth and foreign exchange movements. See further note 17. Capital position The following table shows REA and capital ratios according to applicable capital regulation: SEB’s Common Equity Tier 1 (CET1) capital ratio was 17.1 per cent (17.2) as of 30 September 2026. CET1 capital increased by SEK 4.3bn mainly due to the quarterly net result. REA increased by SEK 28bn mainly driven by an increase in credit risk REA. SEB’s applicable CET1 capital requirement and Pillar 2 guidance (P2G) at the end of the third quarter was 14.6 per cent (14.7). In the 2026 SREP (Supervisory Review and Evaluation Process) decision, SEB’s Pillar 2 requirement (P2R) decreased by around 0.1 percentage points (from around 1.5 per cent to around 1.4 per cent), whereas the Pillar 2 guidance (P2G) was unchanged at 0.5 per cent. The decision was effective as of 30 September 2026. SEB’s latest share buyback programme amounting to SEK 1.25bn was completed on 20 October 2026. In light of continued loan growth in combination with the capital impact from the Swedish FSA’s decision, the bank will pause share buybacks. SEB’s target is to have a buffer of 100 to 300 basis points above the regulatory capital requirement. The buffer shall cover sensitivity to currency fluctuations in REA, changes in the net value of the Swedish defined benefit pension plan as well as general macroeconomic uncertainties. At the end of the third quarter of 2026, the buffer amounted to around 250 basis points (250). SEB’s leverage ratio was 5.1 per cent at the end of the quarter (5.1), whereas the leverage ratio requirement, including P2G, was 3.15 per cent (3.15). SEK bn Balance 30 Jun 2026 1 049 Underlying credit risk change 30 -whereof asset size 22 -whereof asset quality -6 -whereof foreign exchange movements 14 Underlying market risk change 1 -whereof CVA risk 1 Underlying operational risk change 0 Model updates, methodology & policy, other -2 - whereof credit risk -2 Balance 30 Sep 2026 1 077 30 Sep 30 Jun 31 Dec Own funds requirement, Basel III 2026 2026 2025 Risk exposure amount, SEK bn 1 077 1 049 986 Common Equity Tier 1 capital ratio, % 17.1 17.2 17.7 Tier 1 capital ratio, % 19.0 19.1 19.1 Total capital ratio, % 21.7 21.3 21.6 Leverage ratio, % 5.1 5.1 5.7

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SEB quarterly report – Third quarter 2026 12 Events after the balance sheet date Johan Torgeby resigned as President and CEO of SEB On 6 October 2026, Johan Torgeby resigned as President and CEO of SEB and stepped down from the Board of Directors, with effect from the same date. The Board appointed Deputy President and CEO Jonas Ahlström as acting President and CEO and initiated the recruitment process for a new President and CEO. Supervisory review of SEB’s internal ratings-based models On 14 October 2026, the Swedish Financial Supervisory Authority published its decision following a supervisory review of SEB’s internal ratings-based (IRB) models 1. The review concerns regulatory compliance and not the adequacy of the bank’s capital relative to its risks. The decision implies a temporary higher capital requirement and a supervisory methodological change relating to a shift from using Pillar 2 measures to using Pillar 1 measures for deficiencies in IRB models. The higher capital requirement will apply from 31 December 2026 and will remain in place until the relevant model approvals have been obtained. SEB expects to start submitting new IRB model applications in the third quarter of 2027 at the latest and the outcome on REA is subject to regulatory model approval. 1 For further information, see SEB’s press releases on sebgroup.com. US supervisory matter On 15 October 2026, SEB reached a final resolution with the New York State Department of Financial Services (DFS), under which SEB will pay a total amount of USD 33 million to the authority. The cost will be recognised as an operating expense in the fourth quarter of 2026. The matter relates to the former procedures and processes for customer due diligence and transaction monitoring in SEB’s Baltic operations during the period 2015–2019. The U.S. Department of Justice (DOJ) has also concluded its review without taking any action. With this, the U.S. matters relating to the bank’s historical anti-money laundering measures have been concluded.

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SEB quarterly report – Third quarter 2026 13 Other information The Group’s long-term financial targets The long-term financial targets are unchanged in the business plan 2025-2027. With the overall purpose of increasing capital management flexibility, the Board of Directors’ long-term financial targets are: — to pay a yearly dividend that is around 50 per cent of the earnings per share, excluding items affecting comparability, and to distribute potential capital in excess of the targeted capital position mainly through share repurchases, — to maintain a Common Equity Tier 1 capital ratio of 100–300 basis points above the requirement from the Swedish Financial Supervisory Authority (FSA), and — to generate a return on equity that is competitive with peers. In the long term, SEB aspires to reach a sustainable return on equity of 15 per cent. 2030 Strategy, business plan 2025-2027 and cost target 2026 The 2025-2027 business plan continues to execute on the vision set out in our 2030 Strategy – to be a leading corporate and investment bank in Northern Europe with international reach. Within business and retail banking in Sweden and the Baltic countries, we aim to be the number one universal digital retail bank, with a human contact in moments that matter. We want to be individuals’ and family offices’ first choice to support their wealth accumulation through a continued expansion of products and services. The emphasis in this business plan is on areas where SEB has significant earnings potential. Efforts will centre around two main goals: business growth and technology and efficiency. Business growth: An integral part of the 2030 Strategy is to capture the long-term growth potential in our wealth and asset management business. We aim to grow our corporate franchise by focusing on increasing the share of wallet with existing clients in the Nordic countries and to selectively expand corporate banking in our home markets outside the Nordic countries. Within our retail business, we will focus on future-proofing and growing the business, within prioritised segments. Integrating and realising synergies from the acquisition of AirPlus will also be a key focus area. Technology and efficiency: The focus within technology is a continued modernisation of the technology stack and to accelerate the implementation of new technologies. Efforts will also target faster adoption of new technologies such as artificial intelligence (AI). 2026 cost target For 2026, we have a cost target of SEK 33.4bn ± SEK 0.25bn, assuming average 2025 foreign exchange rates. With average foreign exchange rates during 2026, and using quarter-end foreign exchange rates for the rest of the year, the cost target is updated to SEK 33.4bn (33.3bn) ± 0.25bn. We continue to manage costs diligently and as a result of the ongoing cost consolidation, we expect to come in below the full year cost target by approximately SEK 500-600m. The cost target enables continued investments in our capabilities while we maintain a strong focus on consolidation and efficiencies. The long-term aim remains unchanged: to create shareholder value by accelerating income growth, driving earnings per share growth, increasing our profitability and future-proofing the business. Returning to a state of income growth exceeding cost growth is a key financial priority. Financial aspirations for the divisions The long-term divisional aspirations for profitability (return on business equity) are set mainly based on two factors. Firstly, each division will have the ambition to achieve best-in-class profitability compared with similar businesses among relevant peers. Secondly, each division’s aspirations are set so that they enable SEB to achieve its long-term aspiration of a 15 per cent return on equity at Group level. The following table provides the aspirations for each of the divisions in SEB’s organisational structure. Impact from foreign exchange rate fluctuations during the quarter The currency effect increased operating profit for the third quarter by SEK 87m. Loans to the public increased by SEK 36bn and deposits from the public increased by SEK 36bn. The currency effect increased credit risk REA by SEK 27bn and total assets by SEK 66bn. Share buyback programmes SEB completed its most recent share buyback programme on 20 October 2026, having repurchased shares for a total of SEK 1.25bn during the period from 16 July 2026 to 20 October 2026. Share buyback programmes 2021-October 2026 Agreement to divest SEB’s holding in Euroclear In the second quarter 2026, SEB agreed to divest its 3.1 per cent stake in Euroclear Group’s Belgian parent company, Euroclear Holding SA/NV (“Euroclear”). In the third quarter, the value of the holding increased by EUR 36m related to the divestment. In the beginning of the fourth quarter, the terms of the divestment were further enhanced, beyond the EUR 356m price that was signed in the second quarter. The completion of the transaction is expected during the first half of 2027 with a positive CET1 ratio effect of around 10 basis points. Divisions' financial aspirations Divisions Corporate & Investment Banking >13% Business & Retail Banking >16% Wealth & Asset Management >40% Baltic >20% Return on business equity C Number of repurchased shares Average purchase price (SEK per share) Purchase amount (SEK m) 2021 10 027 567 124.66 1 250 2022 43 911 856 113.86 5 000 2023 40 396 075 123.77 5 000 2024 57 138 831 153.14 8 750 2025 57 236 390 174.71 10 000 2026 18 797 917 199.49 3 750 Total 227 508 635 148.35 33 750

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SEB quarterly report – Third quarter 2026 14 Business segments Income statement by segment Jan-Sep 2026, SEK m Corporate & Investment Banking Business & Retail Banking Wealth & Asset Management Baltic Group Functions Eliminations SEB Group Net interest income 12 753 9 563 1 658 6 313 1 266 257 31 810 Net fee and commission income 6 732 5 886 5 858 1 529 287 13 20 305 Net financial income 3 489 439 1 007 253 317 - 261 5 243 Net other income - 344 17 43 - 8 29 - 9 - 272 Total operating income 22 630 15 904 8 565 8 087 1 899 1 57 087 Staff costs 3 714 3 435 2 076 1 515 4 904 - 1 15 642 Other expenses 5 183 4 402 2 027 716 -5 957 1 6 372 Depreciation, amortisation and impairment of tangible and intangible assets 11 270 50 189 1 273 1 793 Total operating expenses 8 908 8 106 4 153 2 420 220 0 23 807 Profit before credit losses and imposed levies 13 722 7 798 4 412 5 667 1 679 1 33 279 Net expected credit losses 1 148 - 27 7 - 58 8 - 9 1 070 Imposed levies 988 633 76 175 718 1 2 591 Operating profit 11 586 7 191 4 329 5 550 953 9 29 618 Jan-Sep 2025, SEK m Corporate & Investment Banking2) Business & Retail Banking2) Wealth & Asset Management Baltic Group Functions Eliminations SEB Group1) Net interest income 13 017 10 289 1 663 6 154 912 - 27 32 007 Net fee and commission income 6 561 5 791 5 569 1 467 274 16 19 677 Net financial income 4 604 376 936 365 10 34 6 323 Net other income 48 31 21 4 - 62 - 4 38 Total operating income 24 229 16 486 8 188 7 990 1 133 19 58 045 Staff costs 3 781 3 388 2 044 1 492 5 142 - 2 15 844 Other expenses 5 057 4 416 2 014 655 -5 751 20 6 410 Depreciation, amortisation and impairment of tangible and intangible assets 20 306 52 175 1 337 1 890 Total operating expenses 8 857 8 110 4 109 2 322 728 18 24 144 Profit before credit losses and imposed levies 15 372 8 375 4 079 5 668 406 1 33 901 Net expected credit losses 1 172 32 6 - 49 0 0 1 161 Imposed levies 1 306 639 71 467 184 1 2 668 Operating profit 12 894 7 704 4 002 5 250 222 0 30 072 ²⁾ Mid Corporate clients have moved from Business & Retail Banking to Corporate & Investment Banking and this has resulted in a restatement of both divisions for 2025. ¹⁾ Comparative figures for 2025 have been restated for changed presentation of interest accruals on derivatives that economically hedge banking book items. These accruals were previously presented within Net financial income and are now presented in Net interest income. The restated amount for 2025 is SEK 777m Jan-Sep.

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SEB quarterly report – Third quarter 2026 15 Corporate & Investment Banking The Corporate & Investment Banking division serves large corporate, mid corporate and institutional clients with a broad range of commercial and investment banking services. The division is organised into Global Banking, Investment Banking, Transaction & Securities Services and FICC Markets. Home markets are the Nordic countries, Germany and the United Kingdom, while Switzerland, Austria and the Netherlands are served with a selective approach. Clients are also supported through SEB’s international network. Income statement The third quarter • Operating profit amounted to SEK 3,613m and return on business equity was 10.9 per cent • Solid net interest income with broad-based credit growth, and record-high net fee and commission income for a third quarter, with Equities delivering its best third- quarter result to date • FICC Markets activity was affected by challenging market-making conditions Business development In the third quarter, the slower summer months were followed by significant market volatility, with substantial repricing of both central bank rate expectations and long-term market rates, alongside notable moves in sovereign spread differentials. Within Global Banking, activity among large corporate clients was relatively muted during the quarter, partly reflecting seasonal effects. Credit demand was healthy among mid corporates, while large corporate clients focused mainly on refinancing, as their strong balance sheets reduced the need for new financing. Among financial institutions, transaction activity remained resilient, supported by interest in private capital and alternative assets. Cash management activity remained high, reflecting SEB’s strategic focus on expanding and deepening house-bank relationships with Nordic corporates and financial institutions and becoming their strategic partner of choice. The Financial Sponsor Group was established as a business unit within Investment Banking to further enhance the strategic focus on financial sponsors, alternative investment fund managers and infrastructure asset managers, with the aim of capturing structural growth in private capital. During the quarter, investment banking activity showed resilience, but reflected the typical summer slowdown following an active second quarter. Client activity was solid across most business units. Equities delivered its best third- quarter result, supported by higher business volumes. The positive momentum in the institutional equities business continued. SEB ranked second in the Nordic Equity Prospera survey, improving its score for the fourth consecutive year. Corporate Finance was affected by the seasonal slowdown. Nevertheless, activity was stronger than in the corresponding quarter of 2025, and followed a historically strong second quarter. Bond issuance activity Q3 Full-year SEK m 2026 2026 % 2025 % 2026 2025 % 2025 Net interest income 4 520 4 276 6 4 175 8 12 753 13 017 -2 17 009 Net fee and commission income 2 019 2 629 -23 1 963 3 6 732 6 561 3 8 758 Net financial income 613 1 374 -55 1 306 -53 3 489 4 604 -24 5 669 Net other income -47 -300 -84 49 -344 48 73 Total operating income 7 105 7 979 -11 7 493 -5 22 630 24 229 -7 31 509 Staff costs 1 246 1 249 -0 1 225 2 3 714 3 781 -2 5 092 Other expenses 1 733 1 725 0 1 657 5 5 183 5 057 2 6 717 Depreciation, amortisation and impairment of tangible and intangible assets 4 4 -0 6 -42 11 20 -44 24 Total operating expenses 2 982 2 978 0 2 888 3 8 908 8 857 1 11 833 Profit before credit losses and imposed levies 4 123 5 001 -18 4 605 -10 13 722 15 372 -11 19 676 Net expected credit losses 196 414 -53 200 -2 1 148 1 172 -2 1 694 Imposed levies 314 337 -7 497 -37 988 1 306 -24 1 741 Operating profit 3 613 4 250 -15 3 908 -8 11 586 12 894 -10 16 241 Cost/Income ratio 0.42 0.37 0.39 0.39 0.37 0.38 Return on business equity, % 10.9 13.4 13.2 12.1 14.5 13.8 Business equity, SEK bn 102.1 97.6 5 91.1 12 97.9 91.6 7 90.9 Loans to the public, SEK bn¹⁾ 858 820 5 782 10 858 782 10 759 Deposits from the public, SEK bn¹⁾ 876 928 -6 834 5 876 834 5 762 FTEs²⁾ 2 281 2 297 -1 2 423 -6 2 298 2 437 -6 2 424 Jan-SepQ2 Q3 ²⁾ Quarterly numbers are for end of quarter. Accumulated numbers are average for the period. Mid Corporate clients have moved from Business & Retail Banking to Corporate & Investment Banking and this has resulted in a restatement of both divisions for 2025. ¹⁾ Excluding repos and collateral margin.

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SEB quarterly report – Third quarter 2026 16 continued to be supported by strong investor liquidity. Credit demand from financial sponsors was robust, driven by both new lending and refinancing. In FICC Markets, activity was affected by the challenging market- making conditions, including significant market volatility and uncertainty about the outlook for central bank policy. Fixed Income was particularly affected by these conditions, contributing to more cautious investor behaviour and lower overall client activity. In Foreign Exchange, higher interest rates reduced the need for client hedging. Commodities were adversely affected by volatile oil and energy prices and rapidly changing correlations between assets, which made clients cautious. Lending volumes increased by SEK 38bn to SEK 858bn, driven by growth across business areas and a positive currency effect of SEK 17bn. Deposit volumes decreased by SEK 52bn to SEK 876bn, reflecting expected reversals of some event-driven deposits which were highlighted in the previous quarter. Assets under custody increased to SEK 22,798bn (22,372), driven by higher asset values and growth in existing client portfolios. Financial performance Operating profit decreased by 15 per cent to SEK 3,613m, mainly due to lower net financial income. Net interest income increased by 6 per cent, primarily driven by higher lending volumes. Net fee and commission income decreased by 23 per cent, reflecting the seasonal slowdown and a strong second-quarter comparison in Investment Banking. Compared with the corresponding quarter last year, net fee and commission income increased by 3 per cent. Net financial income decreased by 55 per cent, mainly due to lower client-related income and a challenging market environment for market-making in FICC. Net expected credit losses amounted to SEK 196m, corresponding to a net ECL level of 5 basis points.

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SEB quarterly report – Third quarter 2026 17 Business & Retail Banking The division offers full banking and advisory services to private individuals and small and medium-sized corporate customers in Sweden, as well as corporate payment services in Europe. The division also provides Private Banking services to affluent individuals in Sweden. Income statement The third quarter • Operating profit amounted to SEK 2,501m and return on business equity was 14.9 per cent • Strong growth in mortgage volumes and continued high inflow of mortgage applications • Legal merger of SEB Kort Group and AirPlus completed Business development Retail Sweden In Sweden, economic developments were mixed. Household consumption showed signs of recovery, with a positive outlook ahead. Mortgage market growth accelerated, supported by a more optimistic outlook and eased mortgage rules earlier in the year. Small and medium-sized corporates remained cautious, awaiting a broader economic recovery. AI-enabled solutions continued to improve both customer and employee experiences, supporting advisors with customer insights and credit processes. Continued improvements to digital services, particularly within savings and everyday banking, further enhanced the customer experience. Customer satisfaction with in-person meetings and telephone interactions remained high in both the private and corporate segments. The digital customer experience improved. Continuing to strengthen customer relationships through digital channels remains a priority. In the private customer segment, mortgage lending activity and application volumes increased during the quarter. Mortgage loans grew by SEK 8bn to SEK 577bn (569), and SEB maintained its market share of 13 per cent, reflecting improved net inflows and a relative gain in market share on a rolling three-month basis. Household deposits decreased by SEK 3bn, primarily due to seasonal effects, to SEK 259bn. Mortgage margins remained at historically low levels amid competitive market conditions. Q3 Full-year SEK m 2026 2026 % 2025 % 2026 2025 % 2025 Net interest income 3 221 3 140 3 3 311 -3 9 563 10 289 -7 13 442 Net fee and commission income 1 981 2 018 -2 1 838 8 5 886 5 791 2 7 805 Net financial income 130 154 -16 144 -10 439 376 17 498 Net other income 5 4 50 5 7 17 31 -45 34 Total operating income 5 337 5 315 0 5 297 1 15 904 16 486 -4 21 780 Staff costs 1 160 1 140 2 1 090 6 3 435 3 388 1 4 654 Other expenses 1 419 1 535 -8 1 443 -2 4 402 4 416 -0 6 183 Depreciation, amortisation and impairment of tangible and intangible assets 88 91 -4 97 -9 270 306 -12 403 Total operating expenses 2 667 2 766 -4 2 631 1 8 106 8 110 -0 11 240 Profit before credit losses and imposed levies 2 669 2 548 5 2 667 0 7 798 8 375 -7 10 540 Net expected credit losses -43 -19 125 7 -27 32 -91 Imposed levies 211 210 0 213 -1 633 639 -1 852 Operating profit before items affecting comparability 2 501 2 357 6 2 447 2 7 191 7 704 -7 9 778 Items affecting comparability -416 Operating profit 2 501 2 357 6 2 447 2 7 191 7 704 -7 9 362 Cost/Income ratio 0.50 0.52 0.50 0.51 0.49 0.52 Return on business equity, % 14.9 14.0 14.1 14.3 14.8 13.4 Business equity, SEK bn 51.8 52.0 -0 53.5 -3 51.7 53.6 -4 53.6 Loans to the public, SEK bn¹⁾ 855 844 1 840 2 855 840 2 836 Deposits from the public, SEK bn¹⁾ 448 454 -1 442 1 448 442 1 451 FTEs²⁾ 4 201 4 202 -0 4 252 -1 4 198 4 410 -5 4 355 ¹⁾ Excluding repos and collateral margin. ²⁾ Quarterly numbers are for end of quarter. Accumulated numbers are average for the period. Jan-SepQ2 Q3 Mid Corporate clients have moved from Business & Retail Banking to Corporate & Investment Banking and this has resulted in a restatement of both divisions for 2025.

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SEB quarterly report – Third quarter 2026 18 Corporate lending volumes increased to SEK 230bn (229), while deposit volumes decreased to SEK 189bn (192). Deposit and lending margins remained stable compared with the previous quarter. Net fund flows were positive, supported by increasing monthly savings. Assets under management increased to SEK 605bn (585), driven by strong equity markets. SEB Kort Group Turnover in SEB Kort Group decreased by 1 per cent compared with the previous quarter. The consumer segment increased by 3 per cent, in line with seasonal patterns, while compared with the third quarter 2025, consumer turnover increased by 8 per cent due to new customer acquisitions. The corporate segment decreased by 5 per cent due to the summer holiday period and continued geopolitical uncertainty. Year-on-year, corporate turnover increased by 3 per cent. The integration of AirPlus continued according to plan and the legal merger of SEB Kort Bank AB and AirPlus International GmbH took place on 3 August 2026. Card-related lending increased to SEK 33bn (31). Financial performance Operating profit increased by 6 per cent to SEK 2,501m, mainly driven by higher net interest income, lower operating expenses and reversals of net expected credit losses, reflecting robust asset quality. Net interest income increased by 3 per cent compared with the previous quarter, mainly due to private lending growth and higher lending margins. Net fee and commission income decreased by 2 per cent, mainly driven by seasonally lower card-related fees mitigated by higher fund commissions related to increased assets under management. Operating expenses decreased by 4 per cent, mainly due to lower integration costs related to the integration of AirPlus. Net expected credit losses were positive, partly reflecting reversals of provisions and a release of portfolio overlays.

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SEB quarterly report – Third quarter 2026 19 Wealth & Asset Management The division serves a wide range of customers with products and services through three business areas: Private Wealth Management & Family Office, Asset Management and Life. In addition, the newly established product area Investments & Trading Solutions is responsible for the digital client interface, product development, investment advice processes, and client reporting. The products and services are distributed by the Wealth & Asset Management division, the Business & Retail Banking and the Baltic divisions as well as by third-party distributors. Income statement The third quarter • Operating profit amounted to SEK 1,548m and return on business equity was 35.6 per cent • SEB ranked as #1 External Asset Manager in the Nordics in Prospera survey • SEB Technology fund selected for Swedish premium pension platform – in total nine SEB funds selected by Swedish Fund Selection Agency Business development On the back of strong equity markets, assets under management increased by SEK 88bn to an all-time high of SEK 3,157bn (3,069). Net flows amounted to SEK 0.3bn (11), of which SEK 1.6bn was generated from Business & Retail Banking and SEK 1.4bn from Wealth & Asset Management. The Baltic division reported SEK -2.7bn, mainly due to the pension reform in Lithuania which impacted net flows with SEK -2.5bn. Asset Management SEB Asset Management was ranked as #1 External Asset Manager in the Nordics in a Prospera survey for the fifth year in a row. The quality of SEB’s investment management was again recognised when SEB Technology fund was selected in the fund procurement of technology funds for the Swedish premium pension platform. So far, nine SEB funds have been procured by the Swedish Fund Selection Agency under the new regulations. Investment performance improved further, with 52 per cent of assets under management outperforming their benchmarks. Third-party distribution continued to grow in the quarter, with net flows of SEK 2.1bn, but was offset by outflows of a few larger institutional clients, resulting in net flows of SEK -0.7bn. Q3 Full-year SEK m 2026 2026 % 2025 % 2026 2025 % 2025 Net interest income 575 548 5 554 4 1 658 1 663 -0 2 211 Net fee and commission income 2 054 1 907 8 1 884 9 5 858 5 569 5 7 500 Net financial income 328 377 -13 328 0 1 007 936 8 1 314 Net other income 15 11 35 -3 43 21 105 33 Total operating income 2 972 2 843 5 2 762 8 8 565 8 188 5 11 057 Staff costs 696 691 1 674 3 2 076 2 044 2 2 771 Other expenses 680 673 1 646 5 2 027 2 014 1 2 686 Depreciation, amortisation and impairment of tangible and intangible assets 17 17 -1 17 -0 50 52 -2 69 Total operating expenses 1 393 1 381 1 1 337 4 4 153 4 109 1 5 526 Profit before credit losses and imposed levies 1 579 1 462 8 1 426 11 4 412 4 079 8 5 532 Net expected credit losses 3 3 -15 4 -28 7 6 19 5 Imposed levies 29 23 23 25 16 76 71 7 94 Operating profit 1 548 1 436 8 1 397 11 4 329 4 002 8 5 432 Cost/Income ratio 0.47 0.49 0.48 0.48 0.50 0.50 Return on business equity, % 35.6 33.3 31.5 33.1 30.6 31.0 Business equity, SEK bn 14.2 14.2 1 14.5 -2 14.3 14.3 -0 14.4 Loans to the public, SEK bn¹⁾ 105 101 4 99 6 105 99 6 97 Deposits from the public, SEK bn¹⁾ 147 142 4 147 0 147 147 0 147 FTEs²⁾ 1 901 1 878 1 1 872 2 1 887 1 870 1 1 871 ¹⁾ Excluding repos and collateral margin. ²⁾ Quarterly numbers are for end of quarter. Accumulated numbers are average for the period. Q2 Q3 Jan-Sep

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SEB quarterly report – Third quarter 2026 20 Life Life reported net flows of SEK -0.4bn, excluding the effect from the pension reform in Lithuania. Weighted sales volumes decreased by 15 per cent to SEK 15.4bn due to seasonal variations and grew by 6 per cent compared with last year. The Swedish market share based on weighted sales remained stable at 9.6 per cent. Private Wealth Management & Family Office Private Wealth Management & Family Office continued to grow with net flows of SEK 2.6bn. Lending volumes grew by SEK 3.6bn to SEK 105bn (101) and deposit volumes grew by SEK 4.8bn to SEK 147bn (142). Client activity remained high and the investment performance of discretionary mandates was strong, with 73 per cent of assets under management above benchmark. Financial performance Operating income amounted to SEK 2,972m, an increase of 5 per cent. The increase was mainly driven by net fee and commission income, which increased by 8 per cent to SEK 2,054m (1,907) driven by higher assets under management, client activity and stable margins. Net interest income increased to SEK 575m (548) driven mainly by increased lending volumes. Net financial income decreased by 13 per cent to SEK 328m (377) due to increased interest rates that negatively impacted the insurance result and lower income from the management of the own equity holdings in Life. Operating expenses remained stable at SEK 1,393m.

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SEB quarterly report – Third quarter 2026 21 Baltic The division provides full retail banking and advisory services to private individuals and small and medium-sized companies, and advisory- driven corporate banking services to larger corporate customers, in Estonia, Latvia and Lithuania. Income statement The third quarter • Operating profit amounted to SEK 1,941m and return on business equity was 19.3 per cent • Strong lending growth, supported by household demand and corporate investment activity • Launched an AI-powered voicebot for blocking cards and internet banking access, reducing customer wait times Business development Economic conditions in the Baltics remained broadly stable, although rising energy prices once again became a key concern, and inflation in Lithuania increased to over 5 per cent, while remaining somewhat lower in Latvia and Estonia. Despite this, wage and household income growth continued to outpace inflation, supporting consumer purchasing power. This sentiment, together with public-sector spending, contributed to increased lending volumes in all countries and segments. During the quarter, an AI-powered voicebot was launched across the Baltic contact centres, enabling customers to block their cards and internet banking access without human support. Improved consumer confidence reflected resilient household sentiment supported by retail sales data. In Lithuania, household spending continued to benefit from withdrawals from Pillar 2 pension funds, which contributed to strong growth in household deposits in local currency in the second quarter, but remained flat in the third quarter. Deposit volumes in Latvia and Estonia increased by 1 per cent in local currency. With labour market conditions remaining favourable and registered unemployment relatively low, housing market activity remained robust, supported by healthy new mortgage sales across the region. Mortgage lending grew by 2 per cent in local currency in the quarter. Business sentiment remained resilient despite the higher energy prices and manufacturing continued to perform, especially in Latvia. EU funding as well as higher spending on defence and energy infrastructure increased investment activity in Latvia and Lithuania. Corporate lending remained strong, supported by solid investment activity and demand for working capital, reflecting a 3 per cent increase to corporate and government customers in local currency. Deposit volumes from corporate and government customers decreased by 1 per cent in local currency. Net flows in Q3 Full-year SEK m 2026 2026 % 2025 % 2026 2025 % 2025 Net interest income 2 300 2 100 10 1 974 17 6 313 6 154 3 8 117 Net fee and commission income 524 529 -1 505 4 1 529 1 467 4 1 994 Net financial income 95 123 -23 122 -22 253 365 -31 493 Net other income -2 -5 -63 -0 -8 4 2 Total operating income 2 917 2 747 6 2 600 12 8 087 7 990 1 10 605 Staff costs 535 502 7 511 5 1 515 1 492 2 1 983 Other expenses 254 236 8 220 15 716 655 9 881 Depreciation, amortisation and impairment of tangible and intangible assets 64 63 1 60 6 189 175 8 237 Total operating expenses 852 800 6 792 8 2 420 2 322 4 3 101 Profit before credit losses and imposed levies 2 064 1 946 6 1 809 14 5 667 5 668 -0 7 504 Net expected credit losses 21 -52 -7 -58 -49 17 -60 Imposed levies 102 6 89 15 175 467 -63 439 Operating profit 1 941 1 992 -3 1 727 12 5 550 5 250 6 7 125 Cost/Income ratio 0.29 0.29 0.30 0.30 0.29 0.29 Return on business equity, % 19.3 20.4 25.7 18.9 26.5 26.9 Business equity, SEK bn 31.8 30.9 3 21.2 50 31.0 20.9 48 20.9 Loans to the public, SEK bn¹⁾ 240 228 5 214 12 240 214 12 217 Deposits from the public, SEK bn¹⁾ 296 290 2 269 10 296 269 10 277 FTEs²⁾ 3 185 3 273 -3 3 232 -1 3 214 3 245 -1 3 239 ¹⁾ Excluding repos and collateral margin. ²⁾ Quarterly numbers are for end of quarter. Accumulated numbers are average for the period. Jan-SepQ2 Q3 Comparative figures for 2025 have been restated for changed presentation of interest accruals on derivatives that economically hedge banking book items. These accruals were previously presented within Net financial income and are now presented in Net interest income. The restated amounts for 2025 are SEK 2m Q3, SEK 35m Jan-Sep and SEK 38m Jan-Dec.

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SEB quarterly report – Third quarter 2026 22 assets under management amounted to SEK -2.7bn (-13.0) during the third quarter, reflecting the second wave of payouts as part of the Pillar 2 pension scheme reform. Financial performance Operating profit decreased by 3 per cent to SEK 1,941m, due to higher imposed levies and net expected credit losses. Profit before credit losses and imposed levies increased by 6 per cent driven by healthy net interest income development. Net interest income increased by 8 per cent in local currency, supported by higher average lending and deposit volumes, a positive day count effect, and effects from the rising Euro base rate. Net fee and commission income decreased by 3 per cent in local currency, mainly driven by lower card-related income due to seasonality, lower lending fees and the effect of the Pillar 2 pension reform in Lithuania. Net financial income decreased by 25 per cent in local currency, reflecting mainly lower revaluation effects in the liquidity portfolio and banking book, somewhat offset by increased activity in capital markets. Operating expenses increased by 4 per cent in local currency, driven by higher staff costs and costs associated with the progressing legal merger of SEB’s three Baltic subsidiaries. Imposed levies increased by SEK 96m, mainly due to a partial refund from the prior year’s Latvian solidarity contribution levy in the previous quarter. Net expected credit losses amounted to SEK 21m or 3 basis points.

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SEB quarterly report – Third quarter 2026 23 Financial statements – SEB Group Income statement, condensed Q3 Full-year SEK m Note 2026 2026 % 2025 % 2026 2025 % 2025 Net interest income¹⁾ 2 10 881 10 687 2 10 540 3 31 810 32 007 -1 42 355 Net fee and commission income 3 6 702 7 194 -7 6 287 7 20 305 19 677 3 26 491 Net financial income¹⁾ 4 1 124 2 421 -54 1 767 -36 5 243 6 323 -17 8 032 Net other income -81 -247 -67 70 -272 38 60 Total operating income 18 626 20 055 -7 18 664 -0 57 087 58 045 -2 76 939 Staff costs 5 360 5 276 2 5 160 4 15 642 15 844 -1 21 072 Other expenses 2 210 2 146 3 2 064 7 6 372 6 410 -1 9 053 Depreciation, amortisation and impairment of tangible and intangible assets 607 592 3 697 -13 1 793 1 890 -5 2 472 Total operating expenses 8 178 8 014 2 7 921 3 23 807 24 144 -1 32 596 Profit before credit losses and imposed levies 10 448 12 041 -13 10 744 -3 33 279 33 901 -2 44 342 Net expected credit losses 5 179 345 -48 203 -12 1 070 1 161 -8 1 548 Imposed levies 6 857 922 -7 822 4 2 591 2 668 -3 3 480 Operating profit before items affecting comparability 9 412 10 774 -13 9 719 -3 29 618 30 072 -2 39 314 Items affecting comparability 7 -416 Operating profit 9 412 10 774 -13 9 719 -3 29 618 30 072 -2 38 898 Income tax expense 1 914 2 110 -9 2 042 -6 5 958 6 318 -6 7 835 NET PROFIT 7 498 8 664 -13 7 677 -2 23 659 23 754 -0 31 063 Attributable to shareholders of Skandinaviska Enskilda Banken AB 7 498 8 664 -13 7 677 -2 23 659 23 754 -0 31 063 Basic earnings per share, SEK 3.85 4.44 3.87 12.12 11.89 15.60 Diluted earnings per share, SEK 3.81 4.39 3.83 11.98 11.75 15.43 Q2 Q3 Jan-Sep ¹⁾ Comparative figures for 2025 have been restated for changed presentation of interest accruals on derivatives that economically hedge banking book items. These accruals were previously presented within Net financial income and are now presented in Net interest income. The restated amounts for 2025 are SEK 122m Q3, SEK 777m Jan-Sep and SEK 1,058m Jan-Dec.

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SEB quarterly report – Third quarter 2026 24 Statement of comprehensive income Q3 Full-year SEK m 2026 2026 % 2025 % 2026 2025 % 2025 NET PROFIT 7 498 8 664 -13 7 677 -2 23 659 23 754 -0 31 063 Cash flow hedges 1 2 -45 -4 -1 6 8 Translation of foreign operations 630 296 113 -200 1 298 -945 -1 406 Items that may subsequently be reclassified to the income statement 631 298 112 -204 1 297 -939 -1 398 Own credit risk adjustment (OCA)¹⁾ -3 -1 168 2 -6 7 11 Defined benefit plans 2 008 2 504 -20 1 317 53 5 495 -197 2 731 Items that will not be reclassified to the income statement 2 005 2 503 -20 1 319 52 5 489 -190 2 741 OTHER COMPREHENSIVE INCOME 2 636 2 801 -6 1 114 137 6 787 -1 129 1 344 TOTAL COMPREHENSIVE INCOME 10 134 11 466 -12 8 791 15 30 446 22 625 35 32 406 Attributable to shareholders of Skandinaviska Enskilda Banken AB 10 134 11 466 -12 8 791 15 30 446 22 625 35 32 406 ¹⁾ Own credit risk adjustment from financial liabilities at fair value through profit or loss. Q2 Q3 Jan-Sep

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SEB quarterly report – Third quarter 2026 25 Balance sheet, condensed 30 Sep 30 Jun 31 Dec SEK m 2026 2026 2025 Cash and cash balances at central banks 429 354 499 915 249 737 Loans to central banks 22 449 30 413 51 513 Loans to credit institutions²⁾ 121 221 129 678 72 087 Loans to the public 2 499 571 2 409 329 2 238 034 Debt securities 342 701 315 156 228 670 Equity instruments 183 710 157 216 120 861 Financial assets for which the customers bear the investment risk 532 112 517 467 474 871 Derivatives 155 510 149 840 118 677 Other assets 152 859 145 673 116 231 TOTAL ASSETS 4 439 488 4 354 686 3 670 681 Deposits from central banks and credit institutions 183 373 205 573 85 798 Deposits and borrowings from the public¹⁾ 1 978 530 2 029 659 1 701 902 Financial liabilities for which the customers bear the investment risk 531 676 517 063 474 538 Liabilities to policyholders 37 302 37 726 36 856 Debt securities issued 1 062 414 954 192 844 178 Short positions 83 335 79 954 45 407 Derivatives 161 682 147 787 128 860 Other financial liabilities 530 309 217 Other liabilities 165 988 156 656 122 663 Total liabilities 4 204 831 4 128 919 3 440 418 Equity 234 657 225 767 230 263 TOTAL LIABILITIES AND EQUITY 4 439 488 4 354 686 3 670 681 ¹⁾ Deposits covered by deposit guarantees 436 125 436 262 412 267 ²⁾ Loans to credit institutions and liquidity placements with other direct participants in interbank fund transfer systems .

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SEB quarterly report – Third quarter 2026 26 Statement of changes in equity SEK m Share capital OCA²⁾ Cash flow hedges Translation of foreign operations Defined benefit plans Retained earnings Equity Jan-Sep 2026 Opening balance 21 942 -168 -36 411 27 935 180 180 230 263 Net profit 23 659 23 659 Other comprehensive income (net of tax) -6 -1 1 298 5 495 6 787 Total comprehensive income -6 -1 1 298 5 495 23 659 30 446 Dividend to shareholders -21 498 -21 498 Bonus issue 615 -615 Cancellation of shares -615 -9 552 -10 167 Equity-based programmes -194 -194 Change in holdings of own shares³⁾ 5 807 5 807 Closing balance 21 942 -173 -37 1 708 33 430 177 788 234 657 Jan-Dec 2025 Opening balance 21 942 -179 -44 1 816 25 204 182 409 231 148 Net profit 31 063 31 063 Other comprehensive income (net of tax) 11 8 -1 406 2 731 1 344 Total comprehensive income 11 8 -1 406 2 731 31 063 32 406 Dividend to shareholders -23 039 -23 039 Bonus issue 597 -597 Cancellation of shares -597 -7 932 -8 529 Equity-based programmes -391 -391 Change in holdings of own shares³⁾ -1 332 -1 332 Closing balance 21 942 -168 -36 411 27 935 180 180 230 263 Jan-Sep 2025 Opening balance 21 942 -179 -44 1 816 25 204 182 409 231 148 Net profit 23 754 23 754 Other comprehensive income (net of tax) 7 6 -945 -197 -1 129 Total comprehensive income 7 6 -945 -197 23 754 22 625 Dividend to shareholders -23 039 -23 039 Bonus issue 597 -597 Cancellation of shares -597 -7 932 -8 529 Equity-based programmes -626 -626 Change in holdings of own shares³⁾ 1 303 1 303 Closing balance 21 942 -171 -38 871 25 007 175 272 222 882 Other reserves¹⁾ ¹⁾ Amounts under Other reserves may be reclassified in the future to the income statement under certain circumstances , e.g. if they are related to dissolved Cash flow hedges or Translation of foreign operations when SEB ceases to consolidate a foreign operation. Amounts related to OCA and Defined benefit plans will not be reclassified to the income statement. ²⁾ Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in own credit risk. ³⁾ Number of shares owned by SEB, for table see next page.

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SEB quarterly report – Third quarter 2026 27 Statement of changes in equity, cont. Cash flow statement, condensed Jan-Sep Jan-Dec Jan-Sep Number of shares owned by SEB, million 2026 2025 2025 Opening balance 81.1 79.4 79.4 Repurchased shares for equity-based programmes 1.8 5.9 5.8 Sold/distributed shares -4.8 -6.4 -6.2 Repurchased shares for capital purposes 20.0 59.3 46.2 Cancelled shares held for capital purposes -57.2 -57.1 -57.1 Closing balance 40.9 81.1 68.2 9 525 15 827 12 539 165 -206 -218 -2 896 -3 061 -3 073 Net acquisition cost for purchase of own shares for equity-based programmes deducted from equity, accumulated In accordance with the decision by the Annual General Meeting, SEB holds own shares of Class A for the long-term equity-based programmes and capital purposes. The transactions may take place at one or several occasions during the year. Market value of shares owned by SEB, SEK m Net acquisition cost for purchase of own shares for equity-based programmes deducted from equity, period Full-year SEK m 2026 2025 % 2025 Cash flow from the profit and loss statement 15 063 44 748 -66 50 463 Increase (-)/decrease (+) in trading portfolios -145 602 947 86 048 Increase (+)/decrease (-) in issued short term securities 212 495 67 882 -57 004 Increase (-)/decrease (+) in lending -279 680 -172 547 62 -20 662 Increase (+)/decrease (-) in deposits and borrowings 372 161 231 187 61 -6 866 Increase/decrease in other balance sheet items 3 449 -25 892 -17 257 Cash flow from operating activities 177 886 146 325 22 34 721 Cash flow from investing activities -1 158 -1 076 8 -1 401 Cash flow from financing activities -13 935 -35 419 -61 -38 816 Net increase in cash and cash equivalents 162 792 109 830 48 -5 496 Cash and cash equivalents at the beginning of year 256 733 283 702 -10 283 702 Exchange rate differences on cash and cash equivalents 17 531 -16 963 -21 474 Net increase in cash and cash equivalents 162 792 109 830 48 -5 496 Cash and cash equivalents at the end of period¹⁾ 437 056 376 570 16 256 733 Jan-Sep ¹⁾ Cash and cash equivalents at the end of period is defined as Cash and cash balances with central banks and Loans to other credit institutions payable on demand.

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SEB quarterly report – Third quarter 2026 28 Notes to the financial statements – SEB Group Note 1. Accounting policies and presentation This Report is presented in accordance with IAS 34 Interim Financial Reporting. The Group’s consolidated accounts have been prepared in accordance with the International Financial Reporting Standards (IFRS) and interpretations of these standards as adopted by the European Commission. The accounting also follows the Annual Accounts Act for Credit Institutions and Securities Companies (1995:1559) and the regulation and general guidelines issued by the Swedish Financial Supervisory Authority: Annual Reports in Credit Institutions and Securities Companies (FFFS 2008:25). In addition, the Supplementary Accounting Rules for Groups (RFR 1) from the Swedish Corporate Reporting Board have been applied. The parent company has prepared its accounts in accordance with Swedish Annual Act for Credit Institutions and Securities Companies, the Swedish Financial Supervisory Authority’s Regulations and General Guidelines (FFFS 2008:25) on Annual Reports in Credit Institutions and Securities Companies and the Supplementary Accounting Rules for Legal Entities (RFR 2) issued by the Swedish Corporate Reporting Board. SEB has restated comparative figures for the years 2024 and 2025 to reflect amended segment information, and presentation changes in the income statement for the year 2025. SEB has revised the presentation of interest accruals on derivatives that economically hedge banking book items. From 2026, these accruals are reported in net interest income instead of net financial income, to better reflect banking margin performance. In addition, interest income and expense from derivatives in hedge accounting relationships are presented in net interest income and now aligned with the presentation of the hedged item under the effective interest rate method. The move of mid-corporate clients from Business & Retail Banking to Corporate & Investment Banking has resulted in a restatement of both divisions. The restatements do not affect SEB’s net profit or equity for these years. As of 1 January 2026, the Group applies the following amendments to IFRS standards: Classification and Measurement of Financial Instruments (Amendments to IFRS 9 and IFRS 7), Annual Improvements Volume 11, and Contracts Referencing Nature-dependent Electricity (Amendments to IFRS 9 and IFRS 7). The amendments have not had an effect on the Group’s consolidated financial statements. In all other material aspects, the Group’s and the parent company’s accounting policies, basis for calculations and presentations are unchanged in comparison with the Annual Report 2025.

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SEB quarterly report – Third quarter 2026 29 Note 2. Net interest income Note 3. Net fee and commission income Q3 Full-year SEK m 2026 2026 % 2025 % 2026 2025 % 2025 Interest income¹⁾ 30 454 28 572 7 29 157 4 85 928 92 574 -7 119 706 Interest expense -19 573 -17 885 9 -18 617 5 -54 118 -60 568 -11 -77 351 Net interest income 10 881 10 687 2 10 540 3 31 810 32 007 -1 42 355 ¹⁾ Of which interest income calculated using the effective interest method 23 407 22 080 6 23 638 -1 66 171 74 843 -12 96 617 Q2 Q3 Jan-Sep Comparative figures for 2025 have been restated for changed presentation of interest accruals on derivatives that economically hedge banking book items. These accruals were previously presented within Net financial income and are now presented in Net interest income. The restated amounts for 2025 are SEK 122m Q3, SEK 777m Jan-Sep and SEK 1,058m Jan-Dec. Q3 Full-year SEK m 2026 2026 % 2025 % 2026 2025 % 2025 Payment and card fees 2 880 2 896 -1 2 695 7 8 480 8 354 2 11 128 Issue of securities 152 518 -71 143 6 871 774 13 1 058 Secondary market 459 563 -19 393 17 1 505 1 334 13 1 752 Custody and mutual funds 3 055 2 969 3 2 649 15 8 807 8 049 9 10 891 Whereof performance fees 2 9 -79 14 -86 43 91 -53 189 Securities commissions 3 665 4 049 -9 3 186 15 11 182 10 156 10 13 701 Life insurance commissions 345 340 2 349 -1 1 005 1 035 -3 1 381 Lending fees 1 057 1 054 0 1 055 0 3 090 3 101 -0 4 100 Advisory fees 196 231 -15 189 3 580 604 -4 831 Deposits, derivatives, guarantees and other 765 748 2 706 8 2 258 2 138 6 2 889 Other commissions 2 018 2 033 -1 1 951 3 5 928 5 843 1 7 821 Fee and commission income 8 908 9 318 -4 8 180 9 26 596 25 389 5 34 031 Payment and card fees -993 -962 3 -899 10 -2 860 -2 719 5 -3 540 Securities commissions -815 -791 3 -655 25 -2 305 -2 007 15 -2 697 Life insurance commissions -117 -114 3 -116 1 -332 -332 0 -437 Other commissions -280 -258 9 -224 25 -793 -654 21 -866 Fee and commission expense -2 206 -2 125 4 -1 893 16 -6 291 -5 712 10 -7 539 Net fee and commission income 6 702 7 194 -7 6 287 7 20 305 19 677 3 26 491 Whereof Payment and card fees, net 1 886 1 934 -2 1 795 5 5 620 5 635 -0 7 588 Whereof Securities commissions, net 2 850 3 258 -13 2 531 13 8 877 8 150 9 11 004 Whereof Life insurance commissions, net 228 226 1 234 -2 673 703 -4 944 Whereof Other commissions, net 1 738 1 775 -2 1 727 1 5 136 5 189 -1 6 955 Q2 Q3 Jan-Sep

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SEB quarterly report – Third quarter 2026 30 Note 3. Gross fee and commission income by segment SEK m Corporate & Investment Banking Business & Retail Banking Wealth & Asset Management Baltic Group Functions Eliminations SEB Group Q3 2026 Payment and card fees 356 2 076 2 473 2 - 29 2 880 Securities commission 981 384 2 642 90 -3 -429 3 665 Life insurance commissions 347 -2 345 Other commissions 1 513 184 211 247 127 -263 2 018 Fee and commission income 2 850 2 643 3 202 810 126 -723 8 908 Q2 2026 Payment and card fees 352 2 109 1 460 3 - 29 2 896 Securities commission 1 516 357 2 487 90 2 -404 4 049 Life insurance commissions 341 -2 340 Other commissions 1 567 190 177 246 123 -269 2 033 Fee and commission income 3 435 2 656 3 006 796 128 -703 9 318 Jan-Sep 2026 Payment and card fees 1 060 6 168 6 1 328 7 - 88 8 480 Securities commission 3 495 1 090 7 555 264 -5 -1 216 11 182 Life insurance commissions 1 010 -5 1 005 Other commissions 4 489 561 582 730 364 -798 5 928 Fee and commission income 9 043 7 819 9 152 2 322 366 -2 107 26 596 Jan-Sep 2025 Payment and card fees 1 032 6 088 6 1 293 24 - 89 8 354 Securities commission 3 112 976 6 991 231 - 48 -1 106 10 156 Life insurance commissions 1 038 - 3 1 035 Other commissions 4 525 528 541 654 378 -782 5 843 Fee and commission income 8 669 7 592 8 576 2 178 355 -1 980 25 389 Fee and commission income is disaggregated in major types of service tied to primary geographical markets and operating segments. Revenues from Custody and mutual funds, a part of Securities commissions, and Life insurance commissions are mainly recognised over time. The other fees and commissions income are mainly recognised at a point in time. Mid Corporate clients have moved from Business & Retail Banking to Corporate & Investment Banking and this has resulted in a restatement of both divisions for 2025.

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SEB quarterly report – Third quarter 2026 31 Note 4. Net financial income Note 5. Net expected credit losses Q3 Full-year SEK m 2026 2026 % 2025 % 2026 2025 % 2025 Equity instruments and related derivatives 526 989 -47 -27 1 652 947 74 1 159 Debt instruments and related derivatives -877 -136 -142 -1 187 -83 -810 Currency and related derivatives 1 049 967 9 1 651 -36 3 312 4 186 -21 5 908 Other 426 601 -29 284 50 1 466 1 273 15 1 775 Net financial income 1 124 2 421 -54 1 767 -36 5 243 6 323 -17 8 032 Whereof gains/losses from counterparty risk (CVA), own credit standing (DVA), funding value adjustment (FVA) and collateral value adjustment (ColVa) 106 -5 104 43 84 184 In the second quarter 2026, SEB agreed to divest its 3.1 per cent stake in Euroclear Group’s Belgian parent company, Euroclear Holding SA/NV (“Euroclear”). In the third quarter, the value of the holding increased by EUR 36m related to the divestment. In the beginning of the fourth quarter, the terms of the divestment were further enhanced, beyond the EUR 356m price that was signed in the second quarter. The completion of the transaction is expected during the first half of 2027 with a positive CET1 ratio effect of around 10 basis points. Q2 Q3 Jan-Sep Comparative figures for 2025 have been restated for changed presentation of interest accruals on derivatives that economically hedge banking book items. These accruals were previously presented within Net financial income and are now presented in Net interest income. The restated amounts for 2025 are SEK 122m Q3, SEK 777m Jan-Sep and SEK 1,058m Jan-Dec. Agreement to divest SEB’s holding in Euroclear Q3 Full-year SEK m 2026 2026 % 2025 % 2026 2025 % 2025 Impairment gains or losses - Stage 1 -100 -128 -22 24 -455 303 295 Impairment gains or losses - Stage 2 101 -791 -462 -397 398 209 Impairment gains or losses - Stage 3 187 1 258 -85 627 -70 1 904 432 995 Impairment gains or losses 188 339 -45 189 -0 1 052 1 133 -7 1 499 Write-offs and recoveries Total write-offs 547 362 51 452 21 1 059 1 575 -33 1 999 Reversals of allowance for write-offs -494 -296 67 -372 33 -854 -1 362 -37 -1 715 Write-offs not previously provided for 54 66 -19 80 -33 205 213 -4 284 Recovered from previous write-offs -63 -60 4 -65 -4 -187 -185 1 -235 Net write-offs -9 6 14 18 28 -35 49 Net expected credit losses 179 345 -48 203 -12 1 070 1 161 -8 1 548 Net ECL level, % 0.02 0.05 0.03 0.05 0.05 0.05 Q2 Q3 Jan-Sep Exposure and expected credit loss (ECL) allowances by stage, Movements in allowances for expected credit losses (ECL), Loans and expected credit loss (ECL) allowances by industry are presented in notes 11-13. The income statement is presented with absolute values, which means net expected credit losses are presented with a positive sign.

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SEB quarterly report – Third quarter 2026 32 Note 6. Imposed levies Note 7. Items affecting comparability Q3 Full-year SEK m 2026 2026 % 2025 % 2026 2025 % 2025 Risk tax, Sweden 409 409 0 398 3 1 227 1 193 3 1 590 Resolution fees 344 353 -2 334 3 1 032 1 003 3 1 337 Temporary levies, Latvia 101 5 80 27 173 275 -37 315 Temporary solidarity contribution, Lithuania 9 -100 191 -100 121 Interest-free deposit Riksbanken 153 -100 153 108 Other imposed levies 2 2 27 2 28 6 6 -2 8 Imposed levies 857 922 -7 822 4 2 591 2 668 -3 3 480 In October 2024, the Latvian government approved a temporary solidarity contribution on surplus profits generated by companies in the banking sector. The contribution will levy at a rate of 60 per cent on surplus net interest income (calculated according to a specific formula), and is planned to apply from 2025 to 2027. In May 2023, Lithuania established a temporary (two years) solidarity contribution for credit institutions, the reason being the increase in banks’ net interest income when central banks raised interest rates. Lithuania decided to prolong the temporary solidarity contribution for the year 2025. The contribution was levied at a rate of 60 per cent on surplus net interest income (calculated according to a specific formula) and new sales were deductible. Starting from 31 October 2025, the Swedish Riksbank introduced a requirement for banks to hold interest-free deposits with the central bank. The size of the deposit will be revalued annually. The net present value of the implicit interest income for the deposit is recognised as an expense when the Riksbank receives the interest-free deposit. The required interest-free deposits from SEB amounts to SEK 6.3bn (7.6). Other imposed levies relates to United Kingdom, Bank of England levy. Q2 Q3 Jan-Sep In January, 2022, Sweden introduced a risk tax that applies to large credit institutions. For the financial year 2026, the tax applies to Swedish credit institutions with liabilities of more than SEK 197bn (group threshold). Effective from 1st January, 2026, the Swedish risk tax was changed to include a basic tax-free allowance (that equals the threshold amount). At the same time, the tax rate was increased to 7 basis points for 2026 and onwards. The tax base for SEB is calculated on its opening balance of liabilities, excluding subordinated debts, untaxed reserves and provisions, including branches and SEB Kort, and reduced with a basic tax-free allowance. The resolution fee is based on 5 basis points until the resolution reserve in total meets 3 per cent of guaranteed deposits. The fee is based on total liabilities for the Parent company with the exception of guaranteed deposits and some other liabilities, then multiplied with a risk conversion factor. Q3 Full-year SEK m 2026 2026 % 2025 % 2026 2025 % 2025 Depreciation, amortisation and impairment of tangible and intangible assets 416 Operating profit before items affecting comparability -416 Items affecting comparability -416 Income tax on IAC Items affecting comparability after tax -416 The yearly impairment test of goodwill during 2025 resulted in full impairment of goodwill for Cash Generating Unit (CGU) Card Norway of SEK 416m. The impairment loss was recognised in segment Business & Retail Banking. Q2 Q3 Jan-Sep The table shows the rows in which the Items affecting comparability would have been reported if not presented as an item affecting comparability.

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SEB quarterly report – Third quarter 2026 33 Note 8. Pledged assets and obligations Note 9. Financial assets and liabilities 30 Sep 30 Jun 31 Dec SEK m 2026 2026 2025 Pledged assets for own liabilities¹⁾ 892 599 846 013 750 469 Pledged assets for liabilities to insurance policyholders 569 110 554 755 510 889 Other pledged assets²⁾ 123 909 129 606 97 011 Pledged assets 1 585 617 1 530 374 1 358 369 Contingent liabilities³⁾ 219 601 206 277 192 550 Commitments 1 033 640 989 419 915 216 Obligations 1 253 241 1 195 696 1 107 766 ¹⁾ Of which collateralised for own issued covered bonds SEK 356,621m (332,990; 326,928). ²⁾ Of which pledged but unencumbered bonds SEK 65,868m (72,177; 48,181). ³⁾ Of which financial guarantees SEK 9,276m (8,323; 8,093). SEK m Carrying amount Fair value Carrying amount Fair value Carrying amount Fair value Loans¹⁾ 3 070 342 3 062 607 3 066 863 3 067 427 2 608 592 2 610 310 Debt securities 342 701 342 567 315 156 315 147 228 670 228 645 Equity instruments 183 710 183 710 157 216 157 216 120 861 120 861 Financial assets for which the customers bear the investment risk 532 112 532 112 517 467 517 467 474 871 474 871 Derivatives 155 510 155 510 149 840 149 840 118 677 118 677 Other 57 206 57 206 53 617 53 617 27 875 27 875 Financial assets 4 341 580 4 333 711 4 260 159 4 260 714 3 579 547 3 581 240 Deposits 2 161 903 2 160 767 2 235 232 2 234 394 1 787 700 1 788 120 Financial liabilities for which the customers bear the investment risk 531 676 531 676 517 063 517 063 474 538 474 538 Debt securities issued²⁾ 1 115 322 1 109 131 1 001 290 1 001 021 884 328 879 724 Short positions 83 335 83 335 79 954 79 954 45 407 45 407 Derivatives 161 682 161 682 147 787 147 787 128 860 128 860 Other 70 054 70 056 59 521 59 526 43 600 43 534 Financial liabilities 4 123 973 4 116 648 4 040 847 4 039 745 3 364 433 3 360 183 SEB has classified its financial instruments by class taking into account the characteristics of the instruments. The fair value of each class of financial assets and liabilities are compared with its carrying amount. A description of the characteristics of the classes can be found in note G35 in the SEB's Annual Report 2025. 30 Sep 2026 30 Jun 2026 31 Dec 2025 ¹⁾ Loans includes Cash balances at central banks (excluding Cash), Loans to central banks, Loans to credit institutions and Loans to the public. ²⁾ Debt securities issued includes Debt securities issued and Subordinated liabilities ( part of Other liabilities).

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SEB quarterly report – Third quarter 2026 34 Note 10. Assets and liabilities measured at fair value SEK m Assets Quoted prices in active markets (Level 1) Valuation technique using observable inputs (Level 2) Valuation technique using non-observable inputs (Level 3) Total Quoted prices in active markets (Level 1) Valuation technique using observable inputs (Level 2) Valuation technique using non-observable inputs (Level 3) Total Loans 370 385 1 633 372 017 242 309 1 812 244 121 Debt securities 163 234 166 857 32 330 123 121 987 95 501 32 217 520 Equity instruments 160 764 2 902 20 045 183 710 100 441 2 417 18 003 120 861 Financial assets for which the customers bear the investment risk 508 407 14 922 8 783 532 112 451 457 14 407 9 008 474 871 Derivatives 1 319 153 437 754 155 510 768 117 223 686 118 677 Investment in associates¹⁾ 1 053 1 053 1 122 1 122 Total 833 723 708 503 32 300 1 574 526 674 653 471 857 30 662 1 177 173 Liabilities Deposits 11 687 11 687 3 760 3 760 Financial liabilities for which the customers bear the investment risk 507 971 14 922 8 783 531 676 451 126 14 405 9 008 474 538 Debt securities issued 248 248 Short positions 63 310 20 024 83 335 31 828 13 578 45 407 Derivatives 1 373 159 357 953 161 682 614 127 456 790 128 860 Other financial liabilities 348 182 530 8 209 217 Total 573 002 206 173 9 736 788 910 483 576 159 657 9 797 653 030 ¹⁾ Venture Capital activities designated at fair value through profit and loss. Fair value measurement Fair value is generally measured for individual financial instruments, in addition portfolio adjustments are made to cover the credit risk. To reflect counterparty risk and own credit risk in OTC derivatives, adjustments are made based on the net exposure towards each counterpart. These adjustments are calculated on a counterparty level based on estimates of exposure at default, probability of default and recovery rates. Probability of default and recovery rate information is generally sourced from the CDS markets. For counterparties where this information is not available, or considered unreliable due to the nature of the exposure, alternative approaches are taken where the probability of default is based on generic credit indices for specific industry and/or rating. When valuing financial liabilities at fair value SEB's own credit standing is reflected. An active market is one in which transactions occur with sufficient volume and frequency to provide pricing information on an ongoing basis. The objective is to arrive at a price at which a transaction without modification or repackaging would occur in the principal market for the instrument to which SEB has immediate access. 30 Sep 2026 31 Dec 2025 The objective of the fair value measurement is to arrive at the price at which an orderly transaction would take place between market participants at the measurement date under current market conditions. The group has established a valuation process and a control environment to determine the fair values of financial instruments, which includes an independent review, separate from the business, of valuation models and prices. Deviations that are material or of a fundamental nature require approval from the GRC (Group Risk Committee). In order to arrive at the fair value of a financial instrument SEB uses different methods; quoted prices in active markets, valuation techniques incorporating observable data and valuation techniques based on internal models. For disclosure purposes, financial instruments carried at fair value are classified in a fair value hierarchy according to the level of market observability of the inputs. The valuation process is the same for financial instruments in all levels.

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SEB quarterly report – Third quarter 2026 35 Note 10. Assets and liabilities measured at fair value, cont. Level 1: Quoted market prices Level 2: Valuation techniques with observable inputs Level 3: Valuation techniques with significant unobservable inputs Significant transfers and reclassifications between levels Changes in level 3, SEK m Opening balance 1 Jan 2026 Reclassifi- cation Gain/loss in Income statement¹⁾ Purchases Sales Settlements Transfers into Level 3 Transfers out of Level 3 Exchange rate differences Closing balance 30 Sep 2026 Assets Loans 1 812 -268 19 9 61 1 633 Debt securities 32 0 11 -52 0 41 1 32 Equity instruments 18 003 2 047 1 226 -1 458 227 20 045 Financial assets for which the customers bear the investment risk 9 008 -165 493 -882 83 -167 414 8 783 Derivatives 686 -58 114 13 -0 -1 754 Investment in associates 1 122 -24 70 -115 0 1 053 Total 30 662 1 531 1 819 -2 507 123 137 -168 702 32 300 Liabilities Financial liabilities for which the customers bear the investment risk 9 008 -165 493 -882 83 -167 414 8 783 Derivatives 790 389 -259 33 1 953 Total 9 797 224 493 -882 -259 116 -167 414 9 736 ¹⁾ Fair value gains and losses recognised in the income statement are included in Net financial income and Net other income. Level 3 valuation techniques incorporate significant inputs that are unobservable. These techniques are generally based on extrapolating from observable inputs for similar instruments, analysing historical data or other analytical techniques. Examples of Level 3 financial instruments are more complex OTC derivatives, long dated options for which the volatility is extrapolated or derivatives that depend on an unobservable correlation. Other examples are instruments for which there is currently no active market or binding quotes, such as unlisted equity instruments, private equity holdings and investment properties. If the fair value of financial instruments includes more than one unobservable input, the unobservable inputs are aggregated in order to determine the classification of the entire instrument. The level in the fair value hierarchy within which a financial instrument is classified is determined on the basis of the lowest level of input that is significant to the fair value in its entirety. Transfers between levels may occur when there are indications that market conditions have changed, e.g. a change in liquidity. The Valuation / Pricing committee of each relevant division decides on material shifts between levels. The largest open market risk within Level 3 financial instruments remains in the traditional life insurance investment portfolios within the insurance business. Valuations in Level 1 are determined by reference to unadjusted quoted market prices for identical instruments in active markets where the quoted prices are readily available and the prices represent actual and regularly occurring market transactions on an arm ’s length basis. Examples of Level 1 financial instruments are listed equity securities, debt securities, and exchange-traded derivatives. Instruments traded in an active market for which one or more market participants provide a binding price quotation on the balance sheet date are also examples of Level 1 financial instruments. In Level 2 valuation techniques, all significant inputs to the valuation models are observable either directly or indirectly. Level 2 valuation techniques include using discounted cash flows, option pricing models, recent transactions and the price of another instrument that is substantially the same. Examples of observable inputs are foreign currency exchange rates, binding securities price quotations, market interest rates, volatilities implied from observable option prices for the same term and actual transactions with one or more external counterparts executed by SEB. An input can transfer from being observable to being unobservable during the holding period due to e.g. illiquidity of the instrument. Examples of Level 2 financial instruments are most OTC derivatives such as options and interest rate swaps based on the SOFR swap rate or a foreign-denominated yield curve. Other examples are instruments for which SEB recently entered into transactions with third parties and instruments for which SEB interpolates between observable variables.

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SEB quarterly report – Third quarter 2026 36 Note 10. Assets and liabilities measured at fair value, cont. Sensitivity of Level 3 assets and liabilities to unobservable inputs SEK m Assets Liabilities Net Sensitivity Assets Liabilities Net Sensitivity Derivative instruments¹⁾⁴⁾ 441 -588 -146 22 368 -443 -75 29 Debt instruments³⁾ 1 617 1 617 243 1 816 1 816 272 Equity instruments²⁾⁵⁾⁶⁾ 6 538 6 538 1 305 5 303 5 303 1 058 Traditional insurance - Financial instruments³⁾⁴⁾⁶⁾⁷⁾ 13 005 13 005 2 203 12 381 12 381 2 042 The table below illustrates the potential Profit or Loss impact of the relative uncertainty in the fair value of assets and liabilities that for their valuation are dependent on unobservable inputs. The sensitivity to unobservable inputs is assessed by altering the assumptions to the valuation techniques, illustrated below by changes in index-linked swap spreads, implied volatilities, credit spreads or comparator multiples. It is unlikely that all unobservable inputs would be simultaneously at the extremes of their ranges of reasonably possible alternatives. Further details about SEB's fair value measurement can be found in note G34 in the Annual Report 2025. ⁷⁾ The sensitivity show changes in the value of the traditional insurance which do not at all times affect the P /L of the group since any surplus in the traditional life portfolios are consumed first. 30 Sep 2026 31 Dec 2025 ¹⁾ Volatility valuation inputs for Bermudan swaptions are unobservable. Volatilities used for ordinary swaptions are adjusted further in order to reflect the additional uncertainty associated with the valuation of Bermudan style swaptions. The sensitivity is calculated from shift in implied volatilities and aggregated from each currency and maturity bucket. ²⁾ Valuation is estimated in a range of reasonable outcomes. Sensitivity analysis is based on 20 per cent shift in market values. ³⁾ Sensitivity for debt securities is generally quantified as shift in market values of 5 per cent except for credit opportunity 10 per cent and for distressed debt and structured credits 15 per cent. ⁴⁾ Shift in implied volatility by 10 per cent. ⁵⁾ Sensitivity analysis is based on a shift in market values of hedge funds 5 per cent, private equity of 20 per cent, structured credits 1 5 per cent. ⁶⁾ Sensitivity from a shift of real estate funds market values of 10 per cent and infrastructure/infrastructure funds market values of 20 per cent.

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SEB quarterly report – Third quarter 2026 37 Note 11. Exposure and expected credit loss (ECL) allowances by stage 30 Sep 30 Jun 31 Dec SEK m 2026 2026 2025 Stage 1 (12-month ECL) Loans¹⁾ 2 234 604 2 152 926 1 997 747 Debt securities 12 578 11 126 11 150 Financial guarantees and Loan commitments 993 271 941 857 882 325 Gross carrying amounts/Nominal amounts Stage 1 3 240 453 3 105 910 2 891 222 Loans¹⁾ -790 -867 -1 079 Debt securities -0 -0 -0 Financial guarantees and Loan commitments -251 -254 -377 ECL allowances Stage 1 -1 041 -1 121 -1 456 Loans¹⁾ 2 233 814 2 152 060 1 996 668 Debt securities 12 578 11 126 11 150 Financial guarantees and Loan commitments 993 020 941 603 881 948 Carrying amounts/Net amounts Stage 1 3 239 412 3 104 788 2 889 766 ECL coverage ratio, loans, Stage 1, % 0.04 0.04 0.05 ECL coverage ratio, total exposure, Stage 1, % 0.03 0.04 0.05 Stage 2 (lifetime ECL) Loans¹⁾²⁾ 77 343 88 809 99 986 Financial guarantees and Loan commitments 15 426 14 876 13 973 Gross carrying amounts/Nominal amounts Stage 2 92 769 103 685 113 958 Loans¹⁾²⁾ -1 237 -1 122 -1 521 Financial guarantees and Loan commitments -166 -156 -227 ECL allowances Stage 2 -1 403 -1 277 -1 748 Loans¹⁾²⁾ 76 106 87 687 98 465 Financial guarantees and Loan commitments 15 260 14 720 13 745 Carrying amounts/Net amounts Stage 2 91 366 102 408 112 210 ECL coverage ratio, loans, Stage 2, % 1.60 1.26 1.52 ECL coverage ratio, total exposure, Stage 2, % 1.51 1.23 1.53 Stage 3 (credit impaired/lifetime ECL) Loans¹⁾³⁾ 11 827 12 101 8 667 Financial guarantees and Loan commitments 667 443 383 Gross carrying amounts/Nominal amounts Stage 3 12 494 12 544 9 050 Loans¹⁾³⁾ -4 733 -4 963 -3 497 Financial guarantees and Loan commitments -133 -101 -92 ECL allowances Stage 3 -4 866 -5 064 -3 589 Loans¹⁾³⁾ 7 094 7 138 5 171 Financial guarantees and Loan commitments 534 341 291 Carrying amounts/Net amounts Stage 3 7 628 7 480 5 461 ECL coverage ratio, loans, Stage 3, % 40.02 41.01 40.34 ECL coverage ratio, total exposure, Stage 3, % 38.95 40.37 39.65 Stage 3 loans / Total loans, gross, % 0.51 0.54 0.41 The table shows gross carrying amounts for exposures on balance and nominal amounts for exposures off-balance divided by stage as a mean to put ECL allowances in context to overall exposure levels. For trade receivables a simplified approach is used to calculate loss allowances.

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SEB quarterly report – Third quarter 2026 38 Note 11. Exposure and expected credit loss (ECL) allowances by stage, cont. Development of exposures and ECL allowances by stage In the quarter, Stage 1 exposures, gross, increased to SEK 3,240bn (3,106), driven primarily by underlying corporate volume growth and currency effects. ECL allowances in Stage 1 decreased to SEK 1.0bn (1.1), due to a release and reallocation of portfolio model overlays. Stage 2 exposures, gross, decreased to SEK 93bn (104), due to risk migration in the household segment from Stage 2 to Stage 1. Stage 2 ECL allowances increased to SEK 1.4bn (1.3), due to the risk migration and reallocation of portfolio model overlays. Stage 3 exposures, gross, remained in line with the previous quarter at SEK 12.5bn (12.5). The Stage 3 ECL allowances amounted to SEK 4.9bn (5.1). The share of Stage 3 loans, gross, decreased to 0.51 per cent (0.54). Total ECL allowances amounted to SEK 7.3bn (7.5), of which SEK 0.8bn (0.8) in portfolio model overlays. The decrease in ECL allowances was driven by write-offs against reserves, reversals and a release of model overlays, which were partly offset by new provisions and currency effects. 30 Sep 30 Jun 31 Dec SEK m 2026 2026 2025 Total Loans¹⁾²⁾³⁾ 2 323 774 2 253 837 2 106 400 Debt securities 12 578 11 126 11 150 Financial guarantees and Loan commitments 1 009 364 957 176 896 680 Gross carrying amounts/Nominal amounts 3 345 715 3 222 139 3 014 230 Loans¹⁾²⁾³⁾ -6 760 -6 951 -6 097 Debt securities -0 -0 -0 Financial guarantees and Loan commitments -550 -511 -696 ECL allowances -7 310 -7 463 -6 793 Loans¹⁾²⁾³⁾ 2 317 014 2 246 885 2 100 303 Debt securities 12 578 11 126 11 150 Financial guarantees and Loan commitments 1 008 814 956 664 895 984 Carrying amounts/Net amounts 3 338 406 3 214 676 3 007 437 ECL coverage ratio, loans, % 0.29 0.31 0.29 ECL coverage ratio, total exposure, % 0.22 0.23 0.23 ¹⁾ Including trade and client receivables presented as other assets. ²⁾ Whereof gross carrying amounts SEK 2,279m (2,284; 1,809) and ECL allowances SEK 4m (4; 4) under Lifetime ECLs -simplified approach for trade receivables. ³⁾ Whereof gross carrying amounts SEK 1,269m (335; 161) and ECL allowances SEK 466m (247; 132) for Purchased or Originated Credit Impaired loans.

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SEB quarterly report – Third quarter 2026 39 Note 11. Exposure and expected credit loss (ECL) allowances by stage, cont. Key macroeconomic assumptions for calculating ECL allowances Macroeconomic forecasts made by SEB’s economic research department are used as the basis for the forward-looking information incorporated in the ECL measurement. Three scenarios – base, positive and negative – and their probability weightings are reviewed every quarter, or more frequently when appropriate due to rapid or significant changes in the economic environment. Compared with the previous quarter, macroeconomic growth forecasts were cautiously revised upwards. The base scenario assumes that global growth will remain resilient despite continued geopolitical uncertainty and trade policy frictions. The impact of US tariffs has been less severe than initially feared, while expansionary fiscal policy, including infrastructure and defence spending, is expected to moderate. In the euro area and the Nordic countries, the recovery is gradually gaining momentum, supported by rising real household incomes and improving domestic demand, while manufacturing activity remains weak. Global GDP is expected to grow by around 3 per cent per year over 2026–2027. The main macroeconomic assumptions in the base scenario are shown in the table below. Downside risks in the negative scenario are mainly linked to high uncertainty around several conflict zones and political decisions, including the Middle East conflict and the impact on oil prices as well as trade policies. A more prolonged war in the Persian Gulf and depletion of oil reserves or a worsening conflict through the destruction of production capacity, a sharp increase in energy prices and higher interest rates could rapidly weaken global growth prospects and create negative spillover effects to other areas, including AI investments. This could also trigger a major repricing of financial markets and amplify the negative shock. In a positive scenario, lower energy prices and a calmer global environment could release household and corporate spending and investment. Also, positive effects of aspects such as infrastructure investments and AI-driven productivity gains could be underestimated. A further description of the scenarios is available in the Nordic Outlook report published in August 2026. The probability of the base scenario was raised to 60 per cent (55), while the probability for the negative scenario was lowered to 25 per cent (30). The probability for the positive scenario was maintained at 15 per cent (15). The update of the macroeconomic scenarios described above resulted in a small decrease in ECL allowances in the quarter. Should the positive and negative macroeconomic scenarios be assigned 100 per cent probability, the model-calculated ECL allowances would decrease by 3 per cent and increase by 4 per cent, respectively, compared with the probability-weighted calculation. Expert credit judgement SEB uses models and expert credit judgement (ECJ) for calculating ECL allowances. The degree of expert credit judgement depends on model outcome, materiality and information available. ECJ may be applied to incorporate factors not captured by the models, either at counterparty or portfolio level. Model overlays at portfolio level have been made using ECJ. In the third quarter, the portfolio model overlays were reduced slightly to SEK 0.8bn (0.8). A reduction was made in the Business & Retail Banking division mainly due to a somewhat improved overall economic outlook. This was partly offset by a small increase in the Baltic division following lending growth. The portfolio model overlays mainly reflect the risks and uncertainty from continued geopolitical uncertainty and elevated energy and commodity prices, as well as changed market dynamics affecting certain structured finance-related portfolios including project and infrastructure. SEK 0.4bn (0.4) of the portfolio model overlays are related to the Corporate & Investment Banking division, SEK 0.1bn (0.2) to the Business & Retail Banking division and SEK 0.3bn (0.3) to the Baltic division. The portfolio model overlays are determined through top-down scenario analysis, including various scenarios of risk migration of complete portfolios. This is combined with bottom-up individual customer analysis of larger corporate customers as well as analysis and stress tests of sectors specifically exposed to economic distress. The portfolio model overlays are re-evaluated quarterly in connection with the assessment of ECL allowances. SEB’s measurement of ECL allowances and related assumptions according to IFRS 9 can be found in notes G1 and G17 in SEB’s Annual Report 2025. Base scenario assumptions 2026 2027 2028 Global GDP growth 3.1% 3.2% 3.3% OECD GDP growth 1.8% 1.9% 1.9% Sweden GDP growth 2.7% 2.9% 2.0% Household consumption expenditure growth 3.0% 2.9% 2.4% Interest rate (STIBOR) 1.95% 2.45% 2.45% Residential real estate price growth 5.0% 3.0% 3.0% Unemployment rate 8.7% 8.4% 7.7% Baltic countries GDP growth 2.3% - 3.0% 2.0% - 2.8% 2.1% - 2.7% Household consumption expenditure growth 2.1% - 4.0% 0.3% - 2.6% 2.3% - 3.0% Inflation rate 3.0% - 5.3% 2.5% - 3.5% 2.4% - 3.0% Unemployment rate 6.5% - 6.7% 6.1% - 6.8% 5.8% - 6.7%

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SEB quarterly report – Third quarter 2026 40 Note 12. Movements in allowances for expected credit losses SEK m Stage 1 (12-month ECL) Stage 2 (lifetime ECL) Stage 3 (credit impaired/ lifetime ECL) Total Loans and Debt securities ECL allowance as of 31 Dec 2025 1 079 1 521 3 497 6 097 New and derecognised financial assets, net 325 -130 -336 -142 Changes due to change in credit risk -639 -236 2 198 1 323 Changes due to modifications -2 36 4 37 Changes due to methodology change -1 1 3 3 Decreases in ECL allowances due to write-offs -854 -854 Change in exchange rates 28 45 222 295 ECL allowance as of 30 Sep 2026 790 1 237 4 733 6 760 Financial guarantees and Loan commitments ECL allowance as of 31 Dec 2025 377 227 92 696 New and derecognised financial assets, net 34 -27 23 30 Changes due to change in credit risk -171 -41 11 -201 Changes due to modifications 2 2 Changes due to methodology change -2 -1 1 -2 Change in exchange rates 12 7 6 24 ECL allowance as of 30 Sep 2026 251 166 133 550 Total Loans, Debt securities, Financial guarantees and Loan commitments ECL allowance as of 31 Dec 2025 1 456 1 748 3 589 6 793 New and derecognised financial assets, net 359 -158 -313 -112 Changes due to change in credit risk -810 -277 2 209 1 123 Changes due to modifications -2 38 4 39 Changes due to methodology change -2 -0 4 2 Decreases in ECL allowances due to write-offs -854 -854 Change in exchange rates 40 52 227 319 ECL allowance as of 30 Sep 2026 1 041 1 403 4 866 7 310 SEB’s measurement of ECL allowances and related assumptions according to IFRS 9 can be found on pages 214-215 and 243-244 in the SEB's Annual Report 2025.

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SEB quarterly report – Third quarter 2026 41 Note 13. Loans and expected credit loss (ECL) allowances by industry Net carrying amount SEK m Stage 1 (12-month ECL) Stage 2 (lifetime ECL) Stage 3 (credit impaired/ lifetime ECL) Total Stage 1 (12-month ECL) Stage 2 (lifetime ECL) Stage 3 (credit impaired/ lifetime ECL) Total Total 30 Sep 2026 Banks 152 774 1 620 12 154 405 -3 -3 -2 -7 154 398 Finance and insurance 290 210 981 49 291 240 -60 -33 -5 -98 291 142 Wholesale and retail 83 219 3 045 362 86 626 -63 -62 -207 -332 86 294 Transportation 27 515 1 882 38 29 435 -19 -82 -6 -108 29 327 Shipping 40 127 114 34 40 276 -13 -1 -34 -48 40 227 Business and household services 226 090 13 248 7 765 247 103 -301 -558 -3 240 -4 100 243 003 Construction 18 395 1 118 89 19 603 -14 -15 -33 -62 19 541 Manufacturing 127 270 5 023 804 133 096 -88 -86 -526 -700 132 396 Agriculture, forestry and fishing 34 448 1 893 360 36 701 -12 -24 -80 -116 36 585 Mining, oil and gas extraction 2 591 12 6 2 609 -1 -0 -0 -1 2 608 Electricity, gas and water supply 99 975 1 518 10 101 503 -33 -14 -3 -50 101 453 Other 19 308 1 508 71 20 887 -30 -9 -20 -60 20 827 Corporates 969 147 30 342 9 589 1 009 078 -636 -885 -4 156 -5 676 1 003 402 Commercial real estate management 226 630 2 146 157 228 934 -32 -29 -23 -85 228 849 Residential real estate management 125 858 3 985 504 130 347 -5 -1 -67 -74 130 274 Real Estate Management 352 488 6 132 661 359 281 -37 -30 -90 -158 359 123 Housing co-operative associations 62 104 2 950 3 65 058 -1 -0 -0 -1 65 057 Public Administration 15 306 398 1 15 704 -1 -0 -0 -1 15 703 Household mortgages 644 713 31 671 905 677 289 -40 -191 -158 -389 676 899 Other 38 071 4 231 657 42 959 -73 -128 -326 -527 42 432 Households 682 784 35 902 1 561 720 247 -112 -319 -485 -916 719 331 TOTAL 2 234 604 77 343 11 827 2 323 774 -790 -1 237 -4 733 -6 760 2 317 014 Gross carrying amounts ECL allowances

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SEB quarterly report – Third quarter 2026 42 Note 13. Loans and expected credit loss (ECL) allowances by industry, cont. Note 14. Uncertainties The relevant overall risks and uncertainties for the SEB Group are outlined in SEB’s Annual Report 2025 and the previous quarterly reports 2026. In respect of the re-assessment of credited withholding tax in Germany, the investigation of alleged tax evasion of a severe nature there have been no material developments during the third quarter that require an update of the description of the matters listed under future uncertainties in SEB’s Annual Report 2025. After the quarter end, there has been an update regarding the closure of US supervisory matters. For further information, please see “Events after the balance sheet date”. Net carrying amount SEK m Stage 1 (12-month ECL) Stage 2 (lifetime ECL) Stage 3 (credit impaired/ lifetime ECL) Total Stage 1 (12-month ECL) Stage 2 (lifetime ECL) Stage 3 (credit impaired/ lifetime ECL) Total Total 31 Dec 2025 Banks 107 099 1 221 11 108 331 -3 -3 -2 -7 108 324 Finance and insurance 234 996 497 214 235 707 -62 -2 -212 -276 235 431 Wholesale and retail 74 273 3 061 793 78 127 -104 -90 -414 -608 77 519 Transportation 28 170 2 281 21 30 473 -26 -93 -6 -126 30 347 Shipping 38 192 770 35 38 997 -9 -1 -35 -44 38 953 Business and household services 186 906 16 917 3 886 207 709 -461 -746 -1 536 -2 742 204 968 Construction 20 096 1 560 98 21 754 -24 -38 -38 -100 21 653 Manufacturing 113 123 4 549 1 006 118 678 -125 -102 -570 -797 117 881 Agriculture, forestry and fishing 31 588 1 915 335 33 838 -9 -21 -68 -98 33 740 Mining, oil and gas extraction 1 821 13 6 1 840 -6 -0 -0 -6 1 835 Electricity, gas and water supply 98 251 904 39 99 194 -30 -14 -19 -63 99 132 Other 20 391 1 060 50 21 501 -33 -12 -20 -66 21 435 Corporates 847 808 33 526 6 484 887 818 -890 -1 119 -2 917 -4 926 882 892 Commercial real estate management 194 633 2 680 255 197 568 -45 -43 -7 -96 197 473 Residential real estate management 124 406 4 929 441 129 776 -8 -2 -76 -86 129 691 Real Estate Management 319 039 7 609 697 327 345 -53 -45 -84 -181 327 163 Housing co-operative associations 60 294 3 161 0 63 455 -0 -0 -1 63 455 Public Administration 17 557 440 1 17 998 -2 -0 -0 -2 17 996 Household mortgages 604 398 49 648 806 654 851 -35 -202 -160 -397 654 454 Other 41 551 4 380 669 46 601 -97 -152 -333 -582 46 019 Households 645 949 54 028 1 475 701 452 -132 -354 -494 -979 700 473 TOTAL 1 997 747 99 986 8 667 2 106 400 -1 079 -1 521 -3 497 -6 097 2 100 303 The tables above show only the exposures and ECL allowances for Loans and excludes Debt securities, Financial guarantees and Loan commitments. Loans are including trade and client receivables presented as other assets. Gross carrying amounts ECL allowances

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SEB quarterly report – Third quarter 2026 43 SEB consolidated situation Note 15. Capital adequacy analysis 30 Sep 30 Jun 31 Dec SEK m 2026 2026 2025 Available own funds and total risk exposure amount Common Equity Tier 1 (CET1) capital 184 307 180 049 174 450 Tier 1 capital 205 062 200 610 188 715 Total capital 233 591 223 809 212 793 Total risk exposure amount (TREA) 1 076 582 1 048 518 986 125 Capital ratios and minimum capital requirement (as a percentage of TREA) Common Equity Tier 1 ratio (%) 17.1% 17.2% 17.7% Tier 1 ratio (%) 19.0% 19.1% 19.1% Total capital ratio (%) 21.7% 21.3% 21.6% Pillar 1 minimum capital requirement (%,P1) 8.0% 8.0% 8.0% Pillar 1 minimum capital requirement (amounts) 86 127 83 881 78 890 Additional own funds requirements (P2R) to address risks other than the risk of excessive leverage (as a percentage of TREA) Additional own funds requirements (%, P2R) 2.0% 2.1% 2.1% of which: to be made up of CET1 capital (percentage points) 1.4% 1.5% 1.5% of which: to be made up of Tier 1 capital (percentage points) 1.6% 1.6% 1.6% Total SREP own funds requirements (%, P1+P2R) 10.0% 10.1% 10.1% Total SREP own funds requirements (amounts) 107 981 105 586 99 303 Additional CET1 buffer requirements and CET1 Pillar 2 Guidance (as a percentage of TREA) Capital conservation buffer (%) 2.5% 2.5% 2.5% Institution specific countercyclical capital buffer (%) 1.6% 1.6% 1.6% Systemic risk buffer (%) 3.1% 3.1% 3.1% Other Systemically Important Institution buffer (%) 1.0% 1.0% 1.0% Combined buffer requirement (%, CBR) 8.2% 8.2% 8.2% Combined buffer requirement (amounts) 87 982 85 778 80 922 Overall capital requirements (%, P1+P2R+CBR) 18.2% 18.3% 18.3% Overall capital requirements (amounts) 195 963 191 364 180 225 CET1 available after meeting the total SREP own funds requirements (%, P1+P2R) 11.2% 11.2% 11.5% Pillar 2 Guidance (%, P2G) 0.5% 0.5% 0.5% Pillar 2 Guidance (amounts) 5 383 5 243 4 931 Overall capital requirements and P2G (%) 18.7% 18.8% 18.8% Overall capital requirements and P2G (amounts) 201 346 196 607 185 155 Leverage ratio, requirements and CET1 Pillar 2 Guidance (as a percentage of total exposure measure) Tier 1 capital (amounts) 205 062 200 610 188 715 Leverage ratio total exposure measure (amounts) 4 044 321 3 946 193 3 321 017 Leverage ratio (%) 5.1% 5.1% 5.7% Total SREP leverage ratio requirements (%) 3.0% 3.0% 3.0% Overall leverage ratio requirements (%) 3.0% 3.0% 3.0% Overall leverage ratio requirements (amounts) 121 330 118 386 99 631 Pillar 2 Guidance (%, P2G) 0.2% 0.2% 0.2% Pillar 2 Guidance (amounts) 6 066 5 919 4 982 Overall leverage ratio requirements and P2G (%) 3.2% 3.2% 3.2% Overall leverage ratio requirements and P2G (amounts) 127 396 124 305 104 612

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SEB quarterly report – Third quarter 2026 44 Note 16. Own funds 30 Sep 30 Jun 31 Dec SEK m 2026 2026 2025 Shareholders equity according to balance sheet¹⁾ 234 657 225 767 230 263 Accrued dividend -11 586 -7 934 -21 577 Reversal of holdings of own CET1 instruments 4 607 3 173 10 263 Common Equity Tier 1 capital before regulatory adjustments 227 678 221 006 218 949 Additional value adjustments -1 868 -1 809 -1 728 Goodwill -4 166 -4 153 -4 140 Intangible assets -1 856 -1 519 -1 913 Fair value reserves related to gains or losses on cash flow hedges 47 48 46 Net provisioning amount for IRB-reported credit exposures -719 -688 -337 Insufficient coverage for non-performing exposures -182 -176 -54 Gains or losses on liabilities valued at fair value resulting from changes in own credit standing -428 -366 -413 Defined-benefit pension fund assets -29 982 -28 158 -24 320 Direct and indirect holdings of own CET1 instruments -4 216 -4 136 -11 640 Total regulatory adjustments to Common Equity Tier 1 -43 371 -40 957 -44 499 Common Equity Tier 1 capital 184 307 180 049 174 450 Additional Tier 1 instruments ²⁾ 20 754 20 561 14 265 Tier 1 capital 205 062 200 610 188 715 Tier 2 instruments²⁾ 31 229 25 612 24 961 Net provisioning amount for IRB-reported exposures 287 317 Holdings of Tier 2 instruments in financial sector entities -2 700 -2 700 -1 200 Tier 2 capital 28 529 23 199 24 078 Total own funds 233 591 223 809 212 793 ¹⁾ The Swedish Financial Supervisory Authority has approved SEB’s application to use the quarterly net profit in measuring own funds on condition that the responsible auditors have reviewed the surplus and that the surplus is calculated in accordance with applicable accounting frameworks. ²⁾ In the second quarter SEB issued an Additional Tier 1 instrument of USD 600m, which is included in the bank's own funds as of the second quarter 2026. In the third quarter SEB issued a Tier 2 instrument of EUR 500m, which is included in the bank's own funds as of the third quarter 2026.

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SEB quarterly report – Third quarter 2026 45 Note 17. Risk exposure amount SEK m Credit risk IRB approach Risk exposure amount Own funds requirement¹⁾ Risk exposure amount Own funds requirement¹⁾ Risk exposure amount Own funds requirement¹⁾ Exposures to central governments or central banks 14 536 1 163 Exposures to institutions 66 829 5 346 63 195 5 056 52 596 4 208 Exposures to corporates 366 658 29 333 358 464 28 677 387 865 31 029 Retail exposures 46 041 3 683 58 263 4 661 63 518 5 081 of which retail secured by residential real estate 39 960 3 197 38 345 3 068 39 570 3 166 Securitisation 2 613 209 2 389 191 2 126 170 Total IRB approach²⁾ 482 140 38 571 482 310 38 585 520 641 41 651 Credit risk standardised approach Exposures to central governments or central banks 5 197 416 5 070 406 3 887 311 Exposures to regional governments or local authorities 920 74 879 70 0 0 Exposures to public sector entities 1 101 88 828 66 60 5 Exposures to institutions 3 237 259 2 775 222 1 721 138 Exposures to corporates 65 932 5 275 59 363 4 749 8 200 656 Retail exposures 32 260 2 581 20 352 1 628 11 429 914 Secured by mortgages on immovable property and ADC exposures 57 301 4 584 53 775 4 302 8 100 648 Exposures in default 739 59 666 53 164 13 Subordinated debt exposures 895 72 896 72 908 73 Exposures in the form of collective investment undertakings (CIU) 451 36 730 58 531 42 Equity exposures 11 999 960 11 293 903 8 004 640 Other items 13 695 1 096 13 112 1 049 12 944 1 036 Total standardised approach²⁾ 193 726 15 498 169 738 13 579 55 949 4 476 Market risk Trading book exposures where internal models are applied 23 869 1 910 22 335 1 787 22 633 1 811 Trading book exposures applying standardised approaches 8 582 687 10 594 847 4 903 392 Total market risk 32 451 2 596 32 929 2 634 27 536 2 203 Other own funds requirements Operational risk 157 720 12 618 157 720 12 618 157 720 12 618 Settlement risk 0 0 1 0 2 0 Credit value adjustment 7 222 578 6 098 488 9 104 728 Investment in insurance business 23 726 1 898 23 189 1 855 29 647 2 372 Other exposures 5 369 430 5 360 429 5 008 401 Additional risk exposure amount, Article 3 CRR³⁾ 18 490 1 479 18 115 1 449 32 676 2 614 Additional risk exposure amount, Article 458 CRR⁴⁾ 155 737 12 459 153 059 12 245 147 841 11 827 Total other own funds requirements 368 265 29 461 363 541 29 083 381 998 30 560 Total 1 076 582 86 127 1 048 518 83 881 986 125 78 890 ⁴⁾ Additional risk exposure amount according to Article 458, Regulation (EU) No 575/2013 (CRR), for risk-weight floors in the Swedish mortgage portfolio and as from the third quarter 2021 for risk-weight floors in the Norwegian mortgage portfolio as well as for Norwegian corporate exposures collateralised by immovable property. As from the third quarter 2023 the capital requirements for risk-weight floors on exposures secured by commercial real estate in Sweden were moved from Pillar 2 to Pillar 1. As from the third quarter 2025, the SME supporting factor (according to Article 501 of the CRR) is applied to REA under Article 458 of the CRR. ¹⁾ Own funds requirement 8% of risk exposure amount according to Regulation (EU) No 575/2013 (CRR). ²⁾ In the second quarter 2026, SEB transitioned from the IRB approach to the Standardised Approach for Baltic corporate and non- mortgage retail exposures, and the group’s exposures to central governments and central banks. In the third quarter 2026, SEB Card transitioned from the IRB approach to the Standardised Approach for all exposures. ³⁾ In the second quarter 2026, additional risk exposure amount according to Article 3 , Regulation (EU) No 575/2013 (CRR) decreased by SEK 23bn relating to Baltic IRB models. 31 Dec 202530 Sep 2026 30 Jun 2026

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SEB quarterly report – Third quarter 2026 46 Note 18. Average risk-weight The following table summarises average risk-weights (risk exposure amount divided by exposure at default (EAD)) for exposures, where the risk exposure amount is calculated according to the internal ratings-based (IRB) approach. Repos and securities lending transactions are excluded from the analysis, since they carry low risk-weights, and can vary considerably in volume, thus making numbers less comparable. IRB reported credit exposures (less repos and securities lending) Average risk-weight 30 Sep 2026 30 Jun 2026 31 Dec 2025 Exposures to central governments or central banks 3.3% Exposures to institutions 25.5% 25.3% 23.5% Exposures to corporates 26.7% 27.1% 28.2% Retail exposures 6.6% 8.0% 8.6% of which retail secured by residential real estate 5.8% 5.7% 6.0% Securitisation 13.7% 13.6% 14.8%

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SEB quarterly report – Third quarter 2026 47 Skandinaviska Enskilda Banken AB (publ) – parent company Income statement Statement of comprehensive income In accordance with FSA regulations Q3 Q2 Q3 Full-year SEK m 2026 2026 % 2025 % 2026 2025 % 2025 Interest income¹⁾ 27 450 25 907 6 26 512 4 77 805 83 955 -7 108 492 Leasing income 1 471 1 449 2 1 417 4 4 334 4 237 2 5 671 Interest expense¹⁾ -20 165 -18 764 7 -19 319 4 -56 318 -62 360 -10 -80 263 Dividends 395 2 163 -82 403 -2 3 936 7 702 -49 8 119 Fee and commission income 4 647 5 128 -9 4 247 9 14 207 13 437 6 17 943 Fee and commission expense -1 053 -1 043 1 - 906 16 -3 016 -2 779 9 -3 696 Net financial income¹⁾ 771 1 683 -54 1 342 -43 3 873 4 882 -21 6 130 Other income 6 6 -11 61 -91 57 - 241 - 165 Total operating income 13 524 16 530 -18 13 758 -2 44 880 48 831 -8 62 231 Administrative expenses 5 602 5 414 3 5 275 6 16 190 16 043 1 20 654 Depreciation, amortisation and impairment of tangible and intangible assets 1 499 1 463 2 1 528 -2 4 406 4 345 1 5 782 Total operating expenses 7 100 6 877 3 6 803 4 20 596 20 388 1 26 436 Profit before credit losses 6 423 9 653 -33 6 955 -8 24 284 28 443 -15 35 795 Net expected credit losses 173 410 -58 199 -13 1 168 1 127 4 1 529 Operating profit 6 251 9 244 -32 6 757 -7 23 116 27 316 -15 34 266 Appropriations 455 49 178 157 798 538 48 1 219 Income tax expense 968 1 389 -30 1 623 -40 3 612 5 298 -32 7 172 Other taxes 0 - 46 -100 - 36 -100 - 44 - 36 23 - 390 NET PROFIT 5 738 7 949 -28 5 347 7 20 347 22 592 -10 28 703 Jan-Sep ¹⁾ Comparative figures for 2025 have been restated for changed presentation of interest accruals on derivatives that economically hedge banking book items. These accruals were previously presented within Net financial income and are now presented in Net interest income. The restated amounts for 2025 are SEK 120m Q3, SEK 742m Jan-Sep and SEK 1,020m Jan-Dec. Q3 Full year SEK m 2026 2026 % 2025 % 2026 2025 % 2025 NET PROFIT 5 738 7 949 -28 5 347 7 20 347 22 592 -10 28 703 Cash flow hedges 1 2 -45 -4 -1 6 8 Translation of foreign operations 58 49 19 1 0 122 55 121 63 Items that may subsequently be reclassified to the income statement 59 51 17 - 4 122 61 99 72 Own credit risk adjustment (OCA)¹⁾ 0 0 0 0 0 2 Items that will not be reclassified to the income statement 0 0 0 0 0 2 OTHER COMPREHENSIVE INCOME 59 51 16 - 4 122 61 99 74 TOTAL COMPREHENSIVE INCOME 5 797 8 000 -28 5 343 8 20 468 22 653 -10 28 777 Jan-Sep ¹⁾ Own credit risk adjustment from financial liabilities at fair value through profit or loss. Q3Q2

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SEB quarterly report – Third quarter 2026 48 Balance sheet, condensed Pledged assets and obligations 30 Sep 30 Jun 31 Dec SEK m 2026 2026 2025 Cash and cash balances with central banks 343 985 414 481 173 320 Loans to central banks 21 570 29 538 50 643 Loans to credit institutions 184 034 188 806 121 355 Loans to the public 2 205 444 2 129 889 1 970 762 Debt securities 319 458 290 811 201 384 Equity instruments 157 743 131 655 96 776 Derivatives 155 106 149 506 118 087 Other assets 170 745 163 473 137 873 TOTAL ASSETS 3 558 084 3 498 159 2 870 200 Deposits from central banks and credit institutions 245 432 265 018 134 742 Deposits and borrowings from the public¹⁾ 1 713 739 1 771 151 1 461 048 Debt securities issued 1 062 414 954 192 844 178 Short positions 83 335 79 954 45 407 Derivatives 160 766 146 985 128 395 Other financial liabilities 530 309 217 Other liabilities 128 843 122 056 87 528 Untaxed reserves 12 440 12 440 12 440 Equity 150 585 146 053 156 246 TOTAL LIABILITIES, UNTAXED RESERVES AND EQUITY 3 558 084 3 498 159 2 870 200 ¹⁾ Private and SME deposits covered by deposit guarantee 257 917 259 840 249 056 Private and SME deposits not covered by deposit guarantee 149 872 149 919 157 535 All other deposits 1 305 949 1 361 393 1 054 458 Total deposits from the public 1 713 739 1 771 151 1 461 048 30 Sep 30 Jun 31 Dec SEK m 2026 2026 2025 Pledged assets for own liabilities 891 855 845 282 749 749 Other pledged assets 123 909 129 606 97 011 Pledged assets 1 015 763 974 888 846 761 Contingent liabilities 208 026 196 923 180 566 Commitments 977 083 931 082 855 826 Obligations 1 185 109 1 128 005 1 036 392

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SEB quarterly report – Third quarter 2026 49 Capital adequacy Capital adequacy analysis SEK m 30 Sep 2026 30 Jun 2026 31 Dec 2025 Common Equity Tier 1 (CET1) capital 144 341 142 599 138 942 Tier 1 capital 165 096 163 160 153 206 Total capital 193 624 186 323 177 301 Total risk exposure amount (TREA) 920 412 909 758 866 377 Common Equity Tier 1 ratio (%) 15.7% 15.7% 16.0% Tier 1 ratio (%) 17.9% 17.9% 17.7% Total capital ratio (%) 21.0% 20.5% 20.5% Pillar 1 minimum capital requirement (%, P1) 8.0% 8.0% 8.0% Pillar 1 minimum capital requirement (amounts) 73 633 72 781 69 310 Additional own funds requirements (%, P2R) 1.7% 1.6% 1.6% of which: to be made up of CET1 capital (percentage points) 1.1% 1.0% 1.0% of which: to be made up of Tier 1 capital (percentage points) 1.3% 1.2% 1.2% Total SREP own funds requirements (%, P1+P2R) 9.7% 9.6% 9.6% Total SREP own funds requirements (amounts) 88 912 86 882 82 739 Capital conservation buffer (%) 2.5% 2.5% 2.5% Institution specific countercyclical capital buffer (%) 1.6% 1.6% 1.6% Systemic risk buffer (%) 0.2% 0.2% 0.2% Other Systemically Important Institution buffer (%) 0.0% 0.0% 0.0% Combined buffer requirement (%, CBR) 4.3% 4.3% 4.3% Combined buffer requirement (amounts) 39 647 39 155 37 289 Overall capital requirements (%, P1+P2R+CBR) 14.0% 13.9% 13.9% Overall capital requirements (amounts) 128 559 126 037 120 028 CET1 available after meeting the total SREP own funds requirements (%, P1+P2R) 10.0% 10.1% 10.5% Pillar 2 Guidance (%, P2G) 0.0% 0.0% 0.0% Pillar 2 Guidance (amounts) 0 0 0 Overall capital requirements and P2G (%) 14.0% 13.9% 13.9% Overall capital requirements and P2G (amounts) 128 559 126 037 120 028 Tier 1 capital (amounts) 165 096 163 160 153 206 Leverage ratio total exposure measure (amounts) 3 724 035 3 628 397 3 016 011 Leverage ratio (%) 4.4% 4.5% 5.1% Total SREP leverage ratio requirements (%) 3.0% 3.0% 3.0% Overall leverage ratio requirements (%) 3.0% 3.0% 3.0% Overall leverage ratio requirements (amounts) 111 721 108 852 90 480 Pillar 2 Guidance (%, P2G) 0.0% 0.0% 0.0% Pillar 2 Guidance (amounts) 0 0 0 Overall leverage ratio requirements and P2G (%) 3.0% 3.0% 3.0% Overall leverage ratio requirements and P2G (amounts) 111 721 108 852 90 480 Available own funds and total risk exposure amount Capital ratios and minimum capital requirement (as a percentage of TREA) Additional own funds requirements (P2R) to address risks other than the risk of excessive leverage (as a percentage of TREA) Additional CET1 buffer requirements and CET1 Pillar 2 Guidance (as a percentage of TREA) Leverage ratio, requirements and CET1 Pillar 2 Guidance (as a percentage of total exposure measure)

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SEB quarterly report – Third quarter 2026 50 Own funds SEK m 30 Sep 2026 30 Jun 2026 31 Dec 2025 Shareholders equity according to balance sheet ¹⁾ 163 025 158 493 168 686 Accrued dividend -11 586 -7 934 -21 577 Reversal of holdings of own CET1 instruments 4 408 3 014 10 049 Common Equity Tier 1 capital before regulatory adjustments 155 847 153 572 157 157 Additional value adjustments -1 756 -1 703 -1 648 Goodwill -3 358 -3 358 -3 358 Intangible assets -1 025 -883 -1 156 Fair value reserves related to gains or losses on cash flow hedges 47 48 46 Net provisioning amount for IRB-reported credit exposures -603 -408 Insufficient coverage for non-performing exposures -176 -170 -49 Gains or losses on liabilities valued at fair value resulting from changes in own credit standing -419 -365 -410 Direct and indirect holdings of own CET1 instruments -4 216 -4 136 -11 640 Total regulatory adjustments to Common Equity Tier 1 -11 506 -10 973 -18 216 Common Equity Tier 1 capital 144 341 142 599 138 942 Additional Tier 1 instruments 2) 20 754 20 561 14 265 Tier 1 capital 165 096 163 160 153 206 Tier 2 instruments 2) 31 229 25 612 24 961 Net provisioning amount for IRB-reported exposures 251 334 Holdings of Tier 2 instruments in financial sector entities -2 700 -2 700 -1 200 Tier 2 capital 28 529 23 163 24 095 Total own funds 193 624 186 323 177 301 1) The Swedish Financial Supervisory Authority has approved SEB’s application to use the quarterly net profit in measuring own funds on condition that the responsible auditors have reviewed the surplus and that the surplus is calculated in accordance with applicable accounting frameworks. 2) In the second quarter SEB issued an Additional Tier 1 instrument of USD 600m, which is included in the bank's own funds as of the second quarter 2026. In the third quarter SEB issued a Tier 2 instrument of EUR 500m, which is included in the bank's own funds as of the third quarter 2026.

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SEB quarterly report – Third quarter 2026 51 Risk exposure amount SEK m Risk exposure amount Own funds requirement ¹⁾ Risk exposure amount Own funds requirement ¹⁾ Risk exposure amount Own funds requirement ¹⁾ Exposures to central governments or central banks 5 959 477 Exposures to institutions 66 826 5 346 63 127 5 050 52 430 4 194 Exposures to corporates 360 559 28 845 352 031 28 162 334 982 26 799 Retail exposures 29 794 2 383 29 226 2 338 30 954 2 476 of which retail secured by residential real estate 23 713 1 897 23 009 1 841 24 285 1 943 Securitisation 2 613 209 2 389 191 2 126 170 Total IRB approach 459 792 36 783 446 773 35 742 426 451 34 116 Exposures to central governments or central banks 952 76 1 101 88 0 0 Exposures to regional governments or local authorities 4 0 Exposures to public sector entities 26 2 47 4 Exposures to institutions 26 705 2 136 24 765 1 981 21 602 1 728 Exposures to corporates 5 548 444 4 753 380 3 195 256 Retail exposures 4 309 345 3 891 311 4 138 331 Secured by mortgages on immovable property and ADC exposures 8 715 697 8 491 679 8 095 648 Exposures in default 125 10 142 11 63 5 Subordinated debt exposures 895 72 896 72 908 73 Exposures in the form of collective investment undertakings (CIU) 451 36 730 58 531 42 Equity exposures 77 485 6 199 75 425 6 034 57 726 4 618 Other items 5 126 410 4 925 394 4 576 366 Total standardised approach 130 316 10 425 125 144 10 012 100 882 8 071 Trading book exposures where internal models are applied 23 869 1 910 22 335 1 787 22 633 1 811 Trading book exposures applying standardised approaches 8 538 683 10 524 842 4 836 387 Total market risk 32 407 2 593 32 860 2 629 27 469 2 198 Operational risk 120 698 9 656 120 698 9 656 120 698 9 656 Settlement risk 0 0 1 0 2 0 Credit value adjustment 7 057 565 5 924 474 9 056 725 Investment in insurance business 12 445 996 23 189 1 855 29 647 2 372 Other exposures 732 59 884 71 607 49 Additional risk exposure amount, Article 3 CRR 1 232 99 1 232 99 3 727 298 Additional risk exposure amount, Article 458 CRR 2) 155 733 12 459 153 054 12 244 147 837 11 827 Total other own funds requirements 297 897 23 832 304 981 24 398 311 575 24 926 Total 920 412 73 633 909 758 72 781 866 377 69 310 Other own funds requirements 1) Own funds requirement 8% of risk exposure amount according to Regulation (EU) No 575/2013 (CRR). 2) Additional risk exposure amount according to Article 458, Regulation (EU) No 575/2013 (CRR), for risk-weight floors in the Swedish mortgage portfolio and as from the third quarter 2021 for risk-weight floors in the Norwegian mortgage portfolio as well as for Norwegian corporate exposures collateralised by immovable property. As from the third quarter 2023 the capital requirements for risk-weight floors on exposures secured by commercial real estate in Sweden were moved from Pillar 2 to Pillar 1. As from the third quarter 2025, the SME supporting factor (according to Article 501 of the CRR) is applied to REA under Article 458 of the CRR. 30 Sep 2026 Credit risk IRB approach Market risk Credit risk standardised approach 31 Dec 202530 Jun 2026

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SEB quarterly report – Third quarter 2026 52 Average risk weight IRB reported credit exposures (less repos and securities lending) Average risk-weight 30 Sep 2026 30 Jun 2026 31 Dec 2025 Exposures to central governments or central banks 1.8% Exposures to institutions 25.5% 25.3% 23.5% Exposures to corporates 27.0% 27.3% 27.2% Retail exposures 5.0% 4.9% 5.3% of which retail secured by residential real estate 4.1% 4.0% 4.3% Securitisation 13.7% 13.6% 14.8%

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SEB quarterly report – Third quarter 2026 53 Signature of the President The President declares that this financial report for the period from 1 January 2026 through 30 September 2026 provides a fair overview of the parent company’s and the Group’s operations, their financial position and results and describes material risks and uncertainties facing the parent company and the Group. Stockholm 22 October 2026 Jonas Ahlström Acting President and Chief Executive Officer THIS IS A TRANSLATION FROM THE SWEDISH ORIGINAL Review report To the Board of Directors in Skandinaviska Enskilda Banken AB (publ), org.nr 502032-9081 Introduction We have reviewed the condensed financial report for Skandinaviska Enskilda Banken AB (publ) as of September 30, 2026 and for the nine- month period then ended, which can be found on pages 5-12 and 14-52 in this document, containing income statement, statement of comprehensive income, balance sheet, statement of changes in equity, statement of cash flow, notes and other condensed information in accordance with the Annual Accounts Act for Credit Institutions and Securities Companies. The Board of Directors and the Chief Executive Officer are responsible for the preparation and presentation of this interim report in accordance with IAS 34 and the Annual Accounts Act for Credit Institutions and Securities Companies. Our responsibility is to express a conclusion on this interim report based on our review. Scope of review We conducted our review in accordance with the International Standard on Review Engagements, ISRE 2410 Review of Interim Financial Statements Performed by the Independent Auditor of the Entity. A review consists of making inquiries, primarily of persons responsible for financial and accounting matters, and applying analytical and other review procedures. A review differs from and is substantially less in scope than an audit conducted in accordance with International Standards on Auditing and other generally accepted auditing standards in Sweden. The procedures performed in a review do not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion. Conclusion Based on our review, nothing has come to our attention that causes us to believe that the condensed financial report is not prepared, in all material respects, in accordance with IAS 34 and the Annual Accounts Act for Credit Institutions and Securities Companies regarding the Group, and in accordance with the Annual Accounts Act for Credit Institutions and Securities Companies regarding the Parent Company. Stockholm, 22 October 2026 Ernst & Young AB Daniel Eriksson Authorized Public Accountant

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SEB quarterly report – Third quarter 2026 54 Contacts and calendar SEB’s result for the third quarter 2026 On Thursday 22 October 2026, at approximately 06.30 CET, SEB’s results for the third quarter 2026 will be announced. In addition, presentations and SEB’s Fact Book will be available on sebgroup.com/ir. You are invited to participate in the following event: Telephone conference Thursday 22 October 2026 at 08.15 CET, Jonas Ahlström, SEB’s Acting President and CEO, and Christoffer Malmer, CFO, will present the results, followed by a Q&A session with Jonas Ahlström, Christoffer Malmer and Pawel Wyszynski, Head of Investor Relations. The presentation and Q&A will be conducted in English. To participate in the telephone conference and to ask questions, please sign up and register here: https://register-conf.media- server.com/register/BI8999e1f35d844b249fe53b14ec678a2d The telephone conference is also available as a webcast, please sign up and register here: https://edge.media-server.com/mmc/p/ag8cn536 Media interviews Media can follow the presentation live on sebgroup.com/ir, where it also will be available afterwards. There is a possibility for media to book interviews after the telephone conference. Please contact press@seb.se to make a request. Further information is available from Christoffer Malmer, Chief Financial Officer Tel: +46 771 621 000 Pawel Wyszynski, Head of Investor Relations Tel: +46 70 462 21 11 Afroditi Kellberg, Head of Corporate Communications Tel: +46 70 739 29 93 Skandinaviska Enskilda Banken AB (publ.) SE-106 40 Stockholm, Sweden Tel: +46 771 621 000 sebgroup.com Corporate organisation number: 502032-9081 Further financial information is available in SEB’s Fact Book and in the additional Pillar 3 disclosures which are published quarterly on sebgroup.com/ir Financial information calendar 2027 27 January 2027 Annual accounts 2026 Silent period starts 1 January 2027 2 March 2027 Annual Report 2026 23 March 2027 Annual General Meeting 2027 27 April 2027 First quarterly report 2027 Silent period starts 1 April 2027 15 July 2027 Second quarterly report 2027 Silent period starts 1 July 2027 27 October 2027 Third quarterly report 2027 Silent period starts 1 October 2027 The financial information calendar for 2028 will be published in conjunction with the Quarterly Report for January-September 2027.

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SEB quarterly report – Third quarter 2026 55 Definitions Including Alternative Performance Measures 1) Items affecting comparability To facilitate the comparison of operating profit between current and previous periods, items with significant impact that management considers affect the comparability or are relevant for the understanding of the financial result are identified and presented separately, for example impairment of goodwill, restructuring, gains and losses from divestments and other income or costs that are not recurring. Operating profit Total profit before tax. Net profit Total profit after tax. Return on equity Net profit attributable to shareholders in relation to average shareholders’ equity. Return on equity excluding items affecting comparability Net profit attributable to shareholders, excluding items affecting comparability and their related tax effect, in relation to average shareholders’ equity. Return on business equity Operating profit by division, reduced by a standard tax rate, in relation to the divisions’ average business equity (allocated capital). Return on total assets Net profit attributable to shareholders, in relation to average total assets. Return on risk exposure amount Net profit attributable to shareholders in relation to average risk exposure amount. Cost/income ratio Total operating expenses in relation to total operating income. Basic earnings per share Net profit attributable to shareholders in relation to the weighted average number of shares outstanding before dilution. 1) Alternative Performance Measures, APMs, are financial measures of historical or future financial performance, financial position, or cash flows, other than those defined in the applicable financial reporting framework (IFRS) or in the EU Capital Requirements Regulation and Directive CRR/CRD IV. APMs are used by SEB when relevant to assess and describe SEB’s financial situation and provide additional relevant information and tools to enable analysis of SEB’s performance. APMs on basic earnings per share, diluted earnings per share, net worth per share, equity per share, return on equity , return on total assets and return on risk exposure amount provide relevant information on the Diluted earnings per share Net profit attributable to shareholders in relation to the weighted average diluted number of shares, adjusted for the dilution effect of potential shares in the long-term equity-based programmes. Net worth per share The total of shareholders’ equity, the equity portion of any surplus values in the holdings of debt securities and the surplus value in life insurance operations in relation to the number of shares outstanding. Equity per share Shareholders’ equity in relation to the number of shares outstanding. Expected credit losses, ECL Probability-weighted credit losses with the respective risk of a default. ECL allowances The allowance for expected credit losses on underlying gross carrying amounts for loans to the public, loans to credit institutions and debt securities measured at amortised cost as well as nominal amounts of financial guarantees and loan commitments. Net ECL level Net expected credit losses in relation to the opening balance of the year of loans to the public, loans to credit institutions and debt securities measured at amortised cost as well as nominal amounts of financial guarantees and loan commitments, net of ECL allowances. ECL coverage ratio, loans ECL allowances in relation to underlying gross carrying amounts for loans to the public and loans to credit institutions measured at amortised cost. ECL coverage ratio, total exposure ECL allowances in relation to underlying gross carrying amounts for loans to the public, loans to credit institutions and debt securities measured at amortised cost as well as nominal amounts of financial guarantees and loan commitments. Stage 3 loans / Total loans, gross Gross carrying amount for Stage 3 loans (credit-impaired loans) in relation to gross carrying amount for total loans to the public and loans to credit institutions measured at amortised cost. performance in relation to different investment measurements. The cost/income ratio provides information on SEB’s cost efficiency. APMs related to lending provide information on provisions in relation to credit risk. All these measures may not be comparable to similarly titled measures used by other companies. The Sustainable Activity Index measures sustainability related financing and investment activities supporting the sustainable transition. The Carbon Exposure Index measures the reduction of the fossil credit exposure within the energy portfolio.

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SEB quarterly report – Third quarter 2026 56 Sustainability Activity Index An internal volume-based metric capturing SEB’s sustainability activity across three areas: sustainability-related financing, sustainable finance advisory and Greentech Venture Capital as a share of SEB’s total fund offering, both own and external. The measure is an index with starting point 100 as per end of 2021. Carbon Exposure Index The fossil credit exposure is an internal metric, calculated by multiplying the credit exposure with a fossil share. The credit exposure includes on-balance lending, contingent liabilities, derivatives, repos and margin financings. The fossil share reflects the percentage of a counterparty or a project’s activity derived from fossil fuels (oil, natural gas, coal, peat and fossil portion of waste). The assessment of the fossil share differs depending on the sector. The measure is an index with starting point 100 as per end of 2019. The Excel file Alternative Performance Measures, available on sebgroup.com/ir, provides information on how the measures are calculated. Definitions according to the EU Capital Requirements Regulation no 575/2013 (CRR): The updated framework, Capital Requirements Regulation, CRR3 (commonly referred to Basel III or Basel IV), was implemented into EU legislation applicable to SEB as of 1 January 2025. The implementation will have a gradual phase-in of the so-called output floor through 1 January 2030. Internal ratings-based approach (IRB) Method for determining own funds requirement using the bank’s own models to estimate the risk. There are two versions of the IRB approach; with and without own estimates of loss given default (LGD) and credit conversion factor (CCF), referred to as Advanced and Foundation, respectively. Risk exposure amount Total assets and off-balance sheet items, risk-weighted in accordance with capital adequacy regulations for credit risk and market risk. The operational risks are measured and added as risk exposure amount. Risk exposure amounts are only defined for the consolidated situation, excluding insurance entities and exposures deducted from own funds. Common Equity Tier 1 capital (CET1) Shareholders’ equity excluding dividend, deferred tax assets, intangible assets and certain other regulatory adjustments defined in EU Regulation no 575/2013 (CRR). Tier 1 capital Common Equity Tier 1 capital plus qualifying forms of subordinated loans liabilities, so-called additional tier 1 instruments. Tier 2 capital Mainly subordinated loans liabilities not qualifying as Tier 1 capital contribution. Own funds The sum of Tier 1 and Tier 2 capital. Common Equity Tier 1 capital ratio Common Equity Tier 1 capital as a percentage of risk exposure amount. Tier 1 capital ratio Tier 1 capital as a percentage of risk exposure amount. Total capital ratio Total own funds as a percentage of risk exposure amount. Liquidity coverage ratio (LCR) High-quality liquid assets in relation to the estimated net liquidity outflow over the next 30 calendar days. Definitions according to the EU Capital Requirements Regulation no 876/2019 (CRR) and according to the EU Directive no 879/2019 (BRRD II): Leverage ratio Tier 1 capital as a percentage of the exposure value of assets, derivatives and off-balance sheet items. Net stable funding ratio (NSFR) Available stable funding in relation to the amount of required stable funding. Minimum requirement of eligible liabilities (MREL) Minimum requirement for own funds and eligible liabilities, as set by the Swedish National Debt Office.

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SEB quarterly report – Third quarter 2026 57 This is SEB We connect ideas, people and capital to drive progress Being a leading Northern European corporate bank with international reach, we support our customers in making their ideas come true. We do this through long-term relationships, innovative solutions, tailored advice and digital services – and by partnering with our customers in accelerating change towards a more sustainable world. Our customers 2,000 large corporations, 1,100 financial institutions, 280,000 SMEs and 1.4 million private full-service customers bank with SEB. Our values We are guided by our Code of Conduct and the SEB behaviours: create value, act long-term and build positive relationships. Our employees Around 18,400 highly skilled employees serving our customers from locations in more than 20 countries – covering different time zones, securing reach and local market knowledge. Our history We have a long tradition of supporting people and companies and helping drive development. Ever since we welcomed our first customer almost 170 years ago, we have been guided by engagement and curiosity about the future. By providing financial products and tailored advisory services to meet our customers’ changing needs, we build on our long- term relationships and do our part to contribute to a more sustainable society. Focus areas Acceleration of efforts – By leveraging and building on our existing strengths, such as our wealth management capabilities, sustainability expertise, and corporate banking offering, we drive profitable growth in our home markets. Strategic change – We meet our customers’ evolving needs and maintain an attractive customer offering in a competitive environment. We strive to embrace new capabilities and develop our products and services through the use of digital solutions, data and AI. Strategic partnerships – Our collaborations with strategic partners accelerate innovation, increase customer value and build a competitive advantage through a broadened ecosystem of products and services. Efficiency improvement – We aspire to deliver world-class service in an efficient manner in all aspects of our business, including regulatory compliance. Through technological development, enhanced use of data and ways of working, we continuously improve our operational efficiency. Additional financial information is available in SEB’s Fact Book which is published quarterly on sebgroup.com/ir

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Third quarter January – September 2026 Stockholm 22 October 2026 Positively shaping the future. Today and for generations to come. Q3 2026

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