Facts Q July, 2012

Facts Q2 2012 18 July, 2012

44B 4B 44B 4B 44B 4B Contents page page General information 2 Asset quality 41 Swedbank in brief 2-3 Credit risks 41-42 Macro economic indicators 4-5 Asset quality 43-45 Income statement, key figures and Balance sheet 6 Credit impairments 46 Income statement, 5-year summary 6 Impaired loans 47-48 Income statement, 9-quarter summary 7 Loans past due 49 Balance sheet, 5-year summary 8 Concentration risk 50 Balance sheet, 9 quarters, Equity and Goodwill 9 Capital adequacy 51 Net interest income analysis 10 Key credit risk capital adequacy parameters 51 Income analysis 11 Capital requirement framework 52 Expense analysis 12 Capital adequacy 53 Variable pay 13 Outstanding subordinated debt 54 Business areas 14 Liquidity & Funding 55 Retail 14-15 Interest bearing Securities 55 Large Corporates & Institutions 16-17 Liquidity reserve and additional Liquid Assets 56 Baltic Banking 18 Liquidity ratios 57 Baltic Banking 18-19 Debt securities in issue 58 Estonia 20 Maturity profile, long-term funding 59 Latvia 21 Outstanding benchmark bonds 60 Lithuania 22 Outstanding short-term funding 61 Other 23 Cover pool data 62-64 Asset Management 24-25 Swedbank Mortgage AB, Asset Quality 65 Group Functions & Other 26-27 Asset encumbrance 66 Group Business Support 28 Rating 67 GroupTreasury 29 Key figures, 5-year and 9 quarter summary 68 Russian Banking 30 Market shares 69 Ukrainian Banking 31 Employees 70 Ektornet 32-34 FX-positions, Exchange rates, Impact from Other 35 exchange rate fluctuations and Currency distribution 71-72 Swedbank Insurance 36 Sensitivity analysis and maturity distribution 73 Eliminations 37 Maturity distribution, EUR and USD 74 Business volumes 38 ICAAP 75-76 Loans 38 Shareholders and share data 77 Amounts owed to credit institutions and deposits 39 Definitions 78 Derivatives and Deferred Tax Assets 40 Contacts and financial calendar 79

Swedbank in brief Swedbank is a bank for the many households and businesses, offering a wide range of financial products and services. The key is a traditional banking model that focuses on close customer relationships and advisory services. Swedbank is the largest bank in Sweden based on number of customers and is the leader in many market segments in its four home markets. Markets Four home markets: Sweden, Estonia, Latvia, Lithuania. Present in 9 other countries. Number of customers 7.8 million private customers and 600 000 corporate and organisational customers. Number of branches Over 500 Financial targets Return on equity: The return on equity shall amount to 15 per cent. Capitalisation: The Board of Directors has resolved to withdraw its capitalisation target. In the opinion of Swedbank s management today, Swedbank will need a core Tier 1 capital ratio of 13.5 to 14.5 per cent. Dividend: The dividend will correspond to 50 per cent of aftertax profit, provided that the bank meets its capitalisation goals. Number of full-time employees Priorities 2012 Improve customer satisfaction 15 688 Adapt our offering to various customer groups Purpose To promote a sustainable financial situation for many Match employee competence to customer needs Increase decision-making close to our customers: Clarify and continue to implement Values the uniform framework Simple, Open, Caring Increase local business acumen Long-term strategy A bank for the many: Swedbank is an inclusive rather than exclusive bank. The aim is to develop large customer bases, long-term customer relationships and high market shares in our four home markets. Close to customers: By being close to our customers, we gain a better understanding of their situation and needs, enabling us to provide the right advice and make fast decisions when required. Close customer relationships and a high level of service are enabled by a widespread branch network, coupled with highly advanced Internet, Telephone and Mobile banks. Grow with existing customers: Gain a larger share of our customers banking business Continue to work with risk-based pricing Improve quality and cost effectiveness: Standardise and coordinate processes Increase cost focus Capital and liquidity management: Improve the understanding of risk-weighted assets and capital efficiency within the organisation Improve our relative cost of capital market funding Uniform framework and local decision-making: A uniform framework for the entire Group together with local decisionmaking authority, facilitates faster decisions close to the customer. Local units are responsible for customer relationships and results. Development and production of the bank s products are handled at Group level. Strong leadership is crucial to our governance model, with a clear delegation of responsibility. We therefore focus on long-term recruitment, training and development of leaders. A low risk level: Swedbank shall have a low risk level. The risk in its assets is managed with the long term in mind, so that the Tier 1 capital ratio does not decline by more than three percentage points in an adverse scenario. A vast majority of exposures are in Sweden. Good risk diversification is achieved through a broad base of customers and businesses from many different industries. The bank will maintain a sustainable balance between lending and deposits in each of its home markets. Good control and focus on costs: Staying competitive requires us to continiously work with costs. We do so primarily in three ways: - Through a corporate culture where everyone is aware and cautious about costs. - By continuosly adapting our organisation and costs to current conditions - By capitalising on economies of scale based on our high market shares in each home market - not least in terms of effective process support and IT 2

Swedbank in brief Sweden Population: 9.3m Private customers: 4.0m Corporate customers: 264 000 Organisations: 66 000 Branches: 312 ATMs: 657 Cards: 3.8m Employees: 8 055 Latvia Population: 2.2m Private customers: 0.9m Corporate customers: 75 000 Branches: 55 ATMs: 396 Cards: 0.9m Employees: 1 716 Estonia Population: 1.3m Private customers: 1.0m Corporate customers: 114 000 Branches: 58 ATMs: 507 Cards: 1.1m Employees: 2 470 Lithuania Population: 3.3m Private customers: 1.9m Corporate customers: 82 000 Branches: 83 ATMs: 492 Cards: 1.8m Employees: 1 945 To support the business in Swedbank's four home markets, Swedbank is also established in neighbouring markets such as Finland, Norway, Denmark and Russia as well as certain other countries such as the US, China, Luxembourg and Spain. Swedbank also conducts banking operations in Ukraine. Group operational structure Swedbank is organised in four major business areas, supported by Group Functions. Board of Directors Internal Audit President and CEO Retail Large Corporates & Institutions Baltic Banking Asset Management Group Functions & Other Group executive committee Michael Wolf, President and CEO Thomas Backteman, Head of Corporate Affairs Håkan Berg, Group Chief Risk Officer Mikael Björknert, Head of Group Business Support Birgitte Bonnesen, Head of Baltic Banking Göran Bronner, Chief Financial Officer Catrin Fransson, Head of Retail Magnus Gagner Geeber, Head of Large Corporates & Institutions Marie Hallander Larsson, Head of Group Human Resources Cecilia Hernqvist (Secretary), Head of Group Legal Helena Nelson (adjunct), Head of Group Compliance 3

Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 May-12 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 May-12 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 May-12 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 May-12 Macro economic indicators GDP growth Average inflation rate (consumer price growth) % 2013F 2012F 2011 2010 2009 2008 2007 2006 % 2013F 2012F 2011 2010 2009 2008 2007 2006 Sweden 2.2 0.5 4.0 5.8-5.0-0.6 3.3 4.3 Sweden 1.9 1.5 3.0 1.2-0.5 3.4 2.2 1.4 Estonia 4.2 2.7 7.6 2.9-13.9-5.1 6.9 10.6 Estonia 3.2 3.8 5.0 3.0-0.1 10.4 6.6 4.4 Latvia 3.5 2.5 5.5-0.3-17.7-4.2 10.0 12.2 Latvia 2.5 2.8 4.4-1.1 3.5 15.4 10.1 6.6 Lithuania 4.3 3.3 5.9 1.4-14.8 2.9 9.8 7.8 Lithuania 2.5 2.8 4.1 1.3 4.5 11.0 5.7 3.8 Current account balance, % of GDP General Government Financial Balance, % of GDP 2013F 2012F 2011 2010 2009 2008 2007 2006 2013F 2012F 2011 2010 2009 2008 2007 2006 Sweden 7.1 6.9 7.2 6.8 6.8 8.8 8.6 7.9 Sweden 0.2-0.3 0.2-0.1-0.7 2.2 3.6 2.5 Estonia 5.5 5.9 6.7 7.2 3.7-9.7-15.9-15.3 Estonia -0.6-1.8 1.0 0.3-2.0-2.9 2.4 2.5 Latvia -2.6-1.8-1.2 3.0 8.6-13.1-22.4-22.6 Latvia -1.0-2.2-3.5-8.1-9.7-4.2-0.4-0.5 Lithuania -2.7-2.5-1.6 1.5 4.4-12.9-14.4-10.5 Lithuania -2.1-3.0-5.5-7.2-9.5-3.3-1.0-0.4 General government debt, % of GDP 2013F 2012F 2011 2010 2009 2008 2007 2006 GDP per capita (PPP) 2011, USD Inhabitants (millions) GDP (2011, USDbn) Sweden 33.5 35.8 36.5 39.4 42.7 38.8 40.2 45.7 Sweden 41 447 9.3 538.1 Estonia 10.0 7.7 6.0 6.7 7.2 4.5 3.7 4.5 Estonia 22 406 1.3 22.2 Latvia 38.9 41.3 42.6 44.7 36.7 19.8 9.0 10.7 Latvia 17 612 2.2 28.3 Lithuania 39.0 40.0 38.5 38.0 29.4 15.5 16.8 18.0 Lithuania 20 374 3.3 42.7 Unemployment % 2013F 2012F 2011 2010 2009 2008 2007 2006 Sweden 7.8 7.8 7.5 8.4 8.3 6.2 6.1 7.1 Estonia 8.6 10.5 12.5 16.9 13.8 5.5 4.7 5.9 Latvia 11.9 13.6 15.4 18.7 16.9 7.5 6.0 6.8 Lithuania 11.0 13.0 15.4 17.8 13.7 5.8 4.3 5.6 Source: Swedbank Economic Research Department Total market, loans to the public by Country SEKbn 6 000 Sweden EURbn 30 Estonia 5 000 25 4 000 20 3 000 15 2 000 10 1 000 5 0 0 Total loans 1) Mortgage loans Total loans 1) Mortgage loans EURbn Latvia EURbn Lithuania 30 30 25 25 20 20 15 15 10 10 5 5 0 0 Total loans 1) Mortgage loans Total loans 1) Mortgage loans 1) Excluding repurchase agreements 4

Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 Jun-12 Sep-07 Dec-07 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 Jun-12 Sep-07 Dec-07 Mar-08 Jun-08 Sep-08 Dec-08 Mar-09 Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 Jun-12 Macro economic indicators Interest rates: Sweden & Eurozone, % Interest rates: Baltics & Eurozone, % 6.0 5.5 5.0 4.5 4.0 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.0 24 22 20 18 16 14 12 10 8 6 4 2 0 Repo rate (SWE) Real estate price development, Sweden 1) SEK 000 3 500 3 250 3 000 2 750 2 500 2 250 2 000 1 750 1 500 1 250 1 000 750 500 250 0 2005 2006 2007 2008 2009 2010 2011 Q1-12 Sweden Gothenburg ECB Euro rate 90 days Euribor 90 days Stibor (SWE) Stockholm Malmö 90 days Vilibor (Lithuania) 90 days Rigibor (Latvia) 90 days Euribor Real estate price development, Baltics 2) EUR/m2 1 800 1 600 1 400 1 200 1 000 800 600 400 200 0 2006 2007 2008 2009 2010 2011 H1-12 Tallin Riga Vilnius 1) Median price for a single family home 2) Average sales price per sqm for apartments Source: Swedbank's Boindex (real estate price index) Source: Land boards of respective country Turnover 500 000 450 000 400 000 350 000 300 000 250 000 200 000 150 000 100 000 50 000 General index and turnover, equities, NASDAQ OMX, Stockholm Index 450 400 350 300 250 200 150 0 100 Stockholm, SEKm turnover month OMX Stockholm PI (rs) 5

00B 0B Income statement, 5-year summary Income statement, Group Jan-Jun Jan-Jun FY FY FY FY FY SEKm 2012 2011 % 2011 2010 1) 2009 2008 2007 Net interest income 1) 10 460 9 215 14 19 014 16 228 20 765 21 702 19 157 Net commission income 1) 4 751 4 868-2 9 597 10 116 7 825 8 830 9 880 Net gains and losses on financial items, fair value 1 214 766 58 1 584 2 400 2 770 2 351 1 691 Net insurance 321 275 17 506 612 647 452 548 Share of the profit or loss of associates 417 395 6 767 624 866 512 424 Other income 915 1 559-41 2 577 1 554 1 909 2 616 1 224 Total income 18 078 17 078 6 34 045 31 534 34 782 36 463 32 924 Staff costs 4 409 4 582-4 9 522 9 052 9 184 9 142 8 134 Variable staff costs 397 275 44 395 340 17 950 1 658 Other expenses 1) 3 403 3 697-8 7 471 7 790 7 758 6 994 6 222 Depreciation/amortisation 455 446 2 1 011 950 889 972 705 Total expenses 8 664 9 000-4 18 399 18 132 17 848 18 058 16 719 Profit before impairments 9 414 8 078 17 15 646 13 402 16 934 18 405 16 205 Impairment of intangible assets 4 1 960 37 1 305 1 403 Impairment on tangible assets 165 17 174 600 449 27 Credit impairments 472-1 296-1 911 2 810 24 641 3 156 619 Operating profit 8 773 9 357-6 15 423 9 955-9 461 13 819 15 586 Tax expense 2 179 2 045 7 3 669 2 472 981 2 880 3 450 Profit for the period from continuing operations 6 594 7 312-10 11 754 7 483-10 442 10 939 12 136 Profit for the period from discontinued operations, after tax 4 Profit for the period including non-controlling interest 6 594 7 312-10 11 758 7 483-10 442 10 939 12 136 Profit for the period attributable to: Shareholders of Swedbank AB 6 587 7 304-10 11 744 7 444-10 511 10 887 11 996 Non-controlling interests 7 8-13 14 39 69 52 140 Statement of Comprehensive Income Jan-Jun Jan-Jun FY FY FY FY SEKm 2012 2011 % 2011 2010 2009 2008 Profit for the period reported via Income statement 6 594 7 312-10 11 758 7 483-10 442 10 939 Exchange differences on translating foreign operations: Gains/losses arising during the period -617 498-284 -4 218-1 852 3 468 Reclassification adjustments to Income statement, Net gains and losses on financial items, fair value -1 Hedging of net investments in foreign operations: Gains/losses arising during the period 453-408 379 2 420 1 312-3 419 Cash flow hedges: Gains/losses arising during the period -461-290 59 78 149-574 -1 423 Reclassification adjustments to Income statement, Net interest income 121 189-36 345 806 817 198 Reclassification adjustments to Income statement, Net gains and losses on financial items, fair value 37 Share of other comprehensive income of associates 17 22-23 -2-30 42-45 Income tax relating to components of other comprehensive income -31 132-210 -890-397 1 211 Other comprehensive income for the period, net of tax -519 143 306-1 763-615 -10 Total comprehensive income for the period 6 075 7 455-19 12 064 5 720-11 057 10 929 Shareholders of Swedbank AB 6 068 7 446-19 12 049 5 693-11 138 10 885 Non-controlling interests 7 9-22 15 27 81 44 1) As from 2010, compensation to Savings Banks is reported as interest expense (the part for handling a new mortgage loan) and as other expenses. For the period 2007-2009, all compensation is reported as commission expense. 6

22B 2B Income statement, 9-quarter summary Income statement, Group Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 SEKm 2012 2011 2011 2011 2011 2010 2010 2010 Net interest income 5 252 44 5 208 4 967 4 832 4 714 4 501 4 503 3 953 3 771 Net commission income 2 346-59 2 405 2 291 2 438 2 412 2 456 2 699 2 469 2 538 Net gains/losses on financial items, fair value 455-304 759 559 259 511 255 357 574 822 Net insurance 163 5 158 134 97 161 114 147 172 173 Share of profit or loss of associates 209 1 208 155 217 224 171 127 191 160 Other income 472 29 443 550 468 475 1 084 262 420 423 Total income 8 897-284 9 181 8 656 8 311 8 497 8 581 8 095 7 779 7 887 Staff costs 2 177-55 2 232 2 604 2 336 2 261 2 321 2 213 2 261 2 282 Variable staff costs 189-19 208 47 73 129 146 101 19 141 Other expenses 1 660-83 1 743 2 019 1 755 1 875 1 822 2 127 1 853 1 896 Depreciation/amortisation 225-5 230 277 288 222 224 286 237 219 Total expenses 4 251-162 4 413 4 947 4 452 4 487 4 513 4 727 4 370 4 538 Profit before impairments 4 646-122 4 768 3 709 3 859 4 010 4 068 3 368 3 409 3 349 Impairment of intangible assets 4 4 1 960 23 Impairment of tangible assets 125 85 40 170-13 15 2 406 30 128 Credit Impairments 300 128 172-174 -441-324 -972-483 120 963 Operating profit 4 217-339 4 556 1 753 4 313 4 319 5 038 3 445 3 236 2 258 Tax expense 1 052-75 1 127 790 834 863 1 182 693 638 672 Profit for the period from continuing operations 3 165-264 3 429 963 3 479 3 456 3 856 2 752 2 598 1 586 Profit for the period from discontinued operations, after tax 4 Profit for the period including non-controlling interest 3 165-264 3 429 967 3 479 3 456 3 856 2 752 2 598 1 586 Profit for the period attributable to: Shareholders of Swedbank AB 3 162-263 3 425 965 3 475 3 452 3 852 2 750 2 591 1 567 Non-controlling interests 3-1 4 2 4 4 4 2 7 19 Statement of comprehensive income Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 SEKm 2012 2011 2011 2011 2011 2010 2010 2010 Profit for the period reported via Income statement 3 165-264 3 429 967 3 479 3 456 3 856 2 752 2 598 1 586 Exchange differences on translating foreign operations: Gains/losses arising during the period -344-71 -273-1 310 528 692-194 -549-1 441-595 Reclassification adjustments to income statement, Net gains/losses on financial items at fair value 1-1 Hedging of net investments in foreign operations: Gains/losses arising during the period 313 173 140 1 138-351 -479 71 317 687 399 Cash flow hedges: Gains/losses arising during the period -32 397-429 304 64-26 -264-71 44 337 Reclassification adjustments to Income statement, Net interest income 48-25 73 77 79 88 101 194 209 214 Share of other comprehensive income of associates -1-19 18-18 -6 25-3 8-25 -7 Income tax relating to components of other comprehensive income -88-145 57-396 54 108 24-117 -248-250 Other comprehensive income for the period, net of tax -104 311-415 -205 368 408-265 -218-774 98 Total comprehensive income for the period 3 061 47 3 014 762 3 847 3 864 3 591 2 534 1 824 1 684 Total comprehensive income attributable to: Shareholders of Swedbank AB 3 058 48 3 010 759 3 844 3 859 3 587 2 533 1 823 1 667 Non-controlling interests 3-1 4 3 3 5 4 1 1 17 7

11B 1B Balance sheet, 5-year summary Balance sheet 30 Jun 30 Jun 31 Dec 31 Dec 31 Dec 31 Dec 31 Dec SEKm 2012 2011 % 2011 2010 2009 2008 2007 Assets Cash and balances with central banks 132 028 11 954 164 307 17 109 37 879 29 060 21 200 Loans to credit institutions 94 083 202 527-54 97 195 166 417 92 131 128 536 174 014 Loans to the public 1 228 494 1 174 938 5 1 211 454 1 187 226 1 290 667 1 287 424 1 135 287 Bonds and other interest-bearing securities 131 525 148 436-11 138 311 131 576 170 615 133 694 115 492 Financial assets for which customers bear the investment risk 101 273 104 255-3 95 747 100 628 78 194 51 638 69 324 Derivatives 98 070 60 371 62 103 726 65 051 72 969 128 055 36 984 Other assets 48 597 55 036-12 46 325 47 674 52 232 53 283 55 683 Total assets 1 834 070 1 757 517 4 1 857 065 1 715 681 1 794 687 1 811 690 1 607 984 Liabilities and equity Amounts owed to credit institutions 128 657 130 175-1 139 598 136 766 231 687 316 730 163 785 Deposits and borrowings from the public 559 955 528 992 6 561 696 534 237 504 424 508 456 458 375 Debt securites in issue 786 460 757 203 4 781 458 686 517 703 258 593 365 673 116 Financial liabilities for which customers bear the investment risk 101 837 104 499-3 96 449 100 988 80 132 52 074 69 819 Derivatives 90 179 60 901 48 90 484 65 935 72 172 116 720 36 267 Other liabilites 51 415 58 878-13 69 716 69 016 75 057 93 128 98 563 Subordinated liabilities 17 023 20 811-18 19 531 27 187 37 983 44 755 39 736 Equity 98 544 96 058 3 98 133 95 035 89 974 86 462 68 323 Total liabilities and equity 1 834 070 1 757 517 4 1 857 065 1 715 681 1 794 687 1 811 690 1 607 984 8

11B 1B Balance sheet 9 quarters, Equity and Goodwill Balance sheet 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKm 2012 SEKm 2012 2011 2011 2011 2011 2010 2010 2010 Assets Cash and balances with central banks 132 028-37 767 169 795 164 307 93 072 11 954 11 297 17 109 17 925 19 833 Loans to credit institutions 94 083-4 290 98 373 97 195 200 798 202 527 198 682 166 417 206 346 204 327 Loans to the public 1 228 494 15 930 1 212 564 1 211 454 1 185 987 1 174 938 1 173 981 1 187 226 1 214 302 1 239 104 Interest-bearing securities 131 525-20 153 151 678 138 311 148 461 148 436 149 628 131 576 167 582 215 569 Fund shares for which customers bear the investment risk 101 273-1 741 103 014 95 747 92 438 104 255 102 071 100 628 88 685 85 181 Shares and participating interests 1 684-6 716 8 400 2 015 1 927 2 878 4 457 6 181 9 420 10 230 Investments in associates 3 400 139 3 261 3 111 3 188 3 019 2 835 2 710 2 596 2 486 Derivatives 98 070 9 373 88 697 103 726 112 104 60 371 60 558 65 051 92 276 89 199 Intangible fixed assets 13 621-81 13 702 13 799 16 078 15 980 15 707 15 794 16 058 16 592 of which goodwill 11 622-73 11 695 11 762 14 043 13 933 13 680 13 733 13 944 14 416 Tangible assets 8 346-22 8 368 8 293 8 208 6 739 5 915 5 679 4 189 4 195 Current tax assets 1 447 46 1 401 2 083 2 068 1 682 1 306 1 156 1 454 1 307 Deferred tax assets 770-50 820 872 921 1 023 1 099 1 218 1 281 1 335 Other assets 11 207-7 839 19 046 7 531 12 477 15 579 9 245 8 611 17 308 9 438 Prepaid expenses and accrued income 7 877-1 276 9 153 8 371 8 180 8 136 7 750 6 325 6 510 5 792 Assets held for sale 245-3 248 250 Total assets 1 834 070-54 450 1 888 520 1 857 065 1 885 907 1 757 517 1 744 531 1 715 681 1 845 932 1 904 588 Liabilities and equity Liabilities Amounts owed to credit institutions 128 657-1 343 130 000 139 598 129 363 130 175 119 204 136 766 175 741 243 947 Deposits and borrowings from the public 559 955-43 818 603 773 561 696 554 788 528 992 524 107 534 237 523 683 529 048 Debt securities in issue, etc 786 460 1 853 784 607 781 458 819 230 757 203 738 618 686 517 720 687 710 509 Financial liabilities for which customers bear the investment risk 101 837-3 591 105 428 96 449 92 942 104 499 102 601 100 988 94 941 90 892 Derivatives 90 179 9 814 80 365 90 484 96 133 60 901 69 782 65 935 92 074 76 950 Current tax liabilities 1 176-181 1 357 472 713 572 669 317 717 947 Deferred tax liabilities 2 951 129 2 822 3 183 1 674 1 857 1 569 1 734 1 566 1 104 Sold, not held, securities 17 272-5 126 22 398 30 603 30 666 28 342 23 583 34 179 66 029 90 661 Other liabilities 12 254-8 230 20 484 13 059 23 322 15 770 23 177 13 625 26 798 19 363 Accrued expenses and prepaid income 14 088-5 437 19 525 18 612 14 444 8 206 18 399 15 074 17 617 12 966 Provisions 3 579-24 3 603 3 690 4 157 4 131 4 065 4 087 4 210 4 304 Subordinated liabilities 17 023-1 636 18 659 19 531 21 129 20 811 23 079 27 187 28 757 32 630 Liabilities directly associated with group of assets classified as held for sale 95-1 96 97 Total liabilities 1 735 526-57 591 1 793 117 1 758 932 1 788 561 1 661 459 1 648 853 1 620 646 1 752 820 1 813 321 Equity Non-controlling interests 155 11 144 140 138 135 142 138 261 260 Equity attributable to shareholders of Swedbank AB 98 389 3 130 95 259 97 993 97 208 95 923 95 536 94 897 92 851 91 007 Total equity 98 544 3 141 95 403 98 133 97 346 96 058 95 678 95 035 93 112 91 267 Total liabilities and equity 1 834 070-54 450 1 888 520 1 857 065 1 885 907 1 757 517 1 744 531 1 715 681 1 845 932 1 904 588 Equity attributable to shareholders Goodwill, 30 Jun 2012 of Swedbank AB, 30 Jun 2012 SEKm Swedbank AB (Sweden) 59 967 Swedbank Robur 328 Swedbank Mortgage (Sweden) 34 665 Swedbank Försäkring 651 Swedbank Finans (Sweden) 4 842 Ölands Bank AB 9 Swedbank Robur (Sweden) 1 826 Swedbank (Estonia) 3 719 Swedbank Försäkring (Sweden) 2 563 Swedbank (Latvia) 1 932 Swedbank Luxembourg (Luxembourg) 116 Swedbank (Lithuania) 3 252 Sparia Försäkring (Sweden) 600 First Securities 190 Swedbank (Estonia) 14 565 Group total 10 081 Swedbank (Latvia) 7 688 Goodwill within parent company and subsidiaries: Swedbank (Lithuania) 6 850 Swedbank AB (Sweden) 1 538 JSC Swedbank (Ukraine) -2 Swedbank Robur 3 OAO Swedbank (Russia) 1 450 Total goodwill 11 622 OOO Leasing (Russia) 272 First Securities (Norway) 1 454 Ektornet (Sweden) 1 065 Swedbank Babs Holding (Sweden 467 Other subsidiaries 2 034 Total legal equity 140 422 Group adjustments and eliminations -42 033 Total equity attributable to shareholders of Swedbank AB 98 389 SEKm 9

55B 5B Net interest income analysis, Group Net interest income analysis, Group Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 SEKm 2012 2011 2011 2011 2011 2010 2010 2010 Interest income Loans to credit institutions 283-52 335 436 533 489 347 175 201 221 Loans to the public 1) 12 239-380 12 619 12 743 12 277 11 687 10 802 10 348 9 288 8 750 Interest-bearing securities 825 76 749 916 879 1 015 619 373 259 315 Other 126-36 162 271 172 46 62 36 77 34 Total Interest income 13 473-392 13 865 14 366 13 861 13 237 11 830 10 932 9 825 9 320 Interest expenses Amounts owed to credit institutions -278 43-321 -345-330 -360-270 -269-311 -375 Deposits and borrowings from the public -1 900 144-2 044-2 197-2 053-1 853-1 482-1 239-989 -934 of which deposits guarantee fees -135-1 -134-131 -127-140 -108-104 -121-101 Debt securities in issue -5 547 142-5 689-5 965-5 898-5 778-5 206-5 274-5 572-5 286 of which state guarantee fees -88 45-133 -245-280 -293-345 -363-384 -400 Subordinated liabilities -279-3 -276-341 -294-292 -317-329 -344-330 Other -172-7 -165-197 -151-19 -270-61 -74-74 of which stability fee -144 0-144 -159-133 -132-121 -47-61 -58 Total interest expenses -8 176 319-8 495-9 045-8 726-8 302-7 545-7 172-7 290-6 999 Derivatives, income 85-171 256-6 97-53 245-4 -95-160 Derivatives, expenses 2) -130 288-418 -348-400 -168-29 747 1 513 1 610 Derivatives, net interest income -45 117-162 -354-303 -221 216 743 1 418 1 450 Net interest income 5 252 44 5 208 4 967 4 832 4 714 4 501 4 503 3 953 3 771 Average balances Loans to credit institutions 102 786-6 653 109 439 189 569 210 498 204 541 191 131 202 292 210 670 192 185 Loans to the public 1 222 858 9 584 1 213 274 1 196 649 1 179 711 1 171 118 1 172 830 1 201 516 1 221 549 1 224 639 Interest-bearing securities 125 226 7 156 118 070 118 207 115 912 131 986 113 289 92 729 104 921 161 419 Interest-bearing assets 1 450 870 10 087 1 440 783 1 504 425 1 506 121 1 507 645 1 477 250 1 496 537 1 537 140 1 578 243 Derivatives 101 622 3 587 98 035 99 784 80 362 63 610 66 226 78 655 89 853 86 288 Other assets 293 305-23 387 316 692 255 293 202 221 168 026 169 146 163 835 159 401 160 212 Total assets 1 845 797-9 713 1 855 510 1 859 502 1 788 704 1 739 281 1 712 622 1 739 027 1 786 394 1 824 743 Amounts owed to credit institutions 135 942 3 692 132 250 134 784 135 212 129 941 129 126 158 359 201 726 258 362 Deposits and borrowings from the public 578 999-7 057 586 056 574 654 544 273 530 668 520 890 529 546 519 282 518 905 Debt securities in issue 778 155-5 264 783 419 799 257 782 722 742 249 719 639 709 644 721 134 711 193 Subordinated liabilities 18 014-1 166 19 180 20 151 20 941 21 675 25 558 27 944 31 555 32 956 Interest-bearing liabilities 1 511 110-9 795 1 520 905 1 528 846 1 483 148 1 424 533 1 395 213 1 425 493 1 473 697 1 521 416 Derivatives 89 641 2 539 87 102 87 496 74 220 70 254 74 086 77 499 82 869 78 286 Other liabilities 147 972-1 420 149 392 145 187 134 128 148 935 147 605 142 012 137 883 134 995 Total liabilities 1 748 723-8 676 1 757 399 1 761 529 1 691 496 1 643 722 1 616 904 1 645 004 1 694 449 1 734 697 Equity 97 074-1 037 98 111 97 973 97 208 95 559 95 718 94 023 91 945 90 046 Total liabilities and equity 1 845 797-9 713 1 855 510 1 859 502 1 788 704 1 739 281 1 712 622 1 739 027 1 786 394 1 824 743 Net interest income analysis, Group Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 % 2012 2012 2011 2011 2011 2011 2010 2010 2010 Average interest rates Loans to credit institutions 1.10-0.12 1.22 0.92 1.01 0.96 0.73 0.35 0.38 0.46 Loans to the public 4.00-0.16 4.16 4.26 4.16 3.99 3.68 3.44 3.04 2.86 Interest-bearing securities 2.64 0.10 2.54 3.10 3.03 3.08 2.19 1.61 0.99 0.78 Interest-bearing assets 3.68-0.12 3.80 3.75 3.64 3.50 3.19 2.91 2.54 2.35 Amounts owed to credit institutions 0.82-0.15 0.97 1.02 0.98 1.11 0.84 0.68 0.62 0.58 Deposits and borrowings from the public 1.31-0.08 1.40 1.53 1.51 1.40 1.14 0.94 0.76 0.72 Debt securities in issue 2.85-0.05 2.90 2.99 3.01 3.11 2.89 2.97 3.09 2.97 Subordinated liabilities 6.20 0.44 5.76 6.77 5.62 5.39 4.96 4.71 4.36 4.01 Interest-bearing liabilities 2.12-0.07 2.19 2.31 2.31 2.33 2.09 2.00 1.96 1.82 Net interest margin 1.14 0.02 1.12 1.07 1.08 1.08 1.05 1.04 0.89 0.83 1) In Q4 2010, penalties' related income in Baltics of SEK 191m was reclassified in line with Group accounting principles from other income to net interest income 2) Interest on all derivatives that economically hedge funding is recognised as an interest expense regardless of whether the contract s net interest is a gain or loss. Other derivative interest, trading derivatives and derivatives that financially hedge assets are recognised as interest income. Interest-bearing securities are reported net less sold, not held, securities. Interest income on impaired loans is not accrued. 10

44B 4B Income analysis Income analysis, Group Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 SEKm 2012 2011 2011 2011 2011 2010 2010 2010 Net interest income 1) 2) 5 252 44 5 208 4 967 4 832 4 714 4 501 4 503 3 953 3 771 Payment processing 773 42 731 799 877 825 725 873 864 830 Asset management 905-19 924 899 916 988 1 005 1 010 981 991 Life insurance 66-7 73 87 73 78 75 74 76 54 Brokerage 76-37 113 96 110 112 152 158 93 159 Other securities -46-29 -17-48 -22-23 -12 10-22 -2 Corporate Finance 78-33 111-14 42 77 49 85 57 111 Lending and Guarantees 213 5 208 217 198 136 252 266 174 200 Deposits 20-1 21 6 25 16 20 6 17 17 Other commission income 261 20 241 249 219 203 190 217 229 178 Net commission income 2 346-59 2 405 2 291 2 438 2 412 2 456 2 699 2 469 2 538 Financial instruments held for trading 489-18 507 235 255 247 495 659 505 703 Financial instruments intended to hold until maturity -34-286 252 324 4 264-240 -302 69 119 Net gains and losses on financial items at fair value 455-304 759 559 259 511 255 357 574 822 Net insurance 163 5 158 134 97 161 114 147 172 173 Färs & Frosta Sparbank 21 4 17 20 20 18 14 14 12 8 Swedbank Sjuhärad 29-2 31 26 31 35 29 28 19 25 Other jointly owned banks in Sweden 10-5 15 12 13 13 11 9 12 13 BGC-Holding -1-3 2-6 -8 25 5-7 2 3 EnterCard Holding 141 13 128 84 135 106 112 78 115 105 UC 3 1 2 2-1 -2 2 18 Other companies 6-7 13 17 26 28 2 3 13 4 Share of the profit or loss of associates 209 1 208 155 217 224 171 127 191 160 Real estate income 9 9 9 9 6 6 6 6 6 IT/administrative services to savings banks 194 15 179 193 204 208 180 196 203 216 Assets taken over 165 4 161 199 143 172 71 73 45 34 Other 1) 3) 104 10 94 149 112 89 827-13 166 167 Other income 472 29 443 550 468 475 1 084 262 420 423 Total income 8 897-284 9 181 8 656 8 311 8 497 8 581 8 095 7 779 7 887 1) In Q4 2010, penalties' related income of SEK 191m was reclassified from other income to net interest income. 2) Q4 2011, One-off revenue of SEK 206m related to commercial real estate loans taken over in relation to the bankruptcy estate of Lehman Brothers. 3) Q1 2011, One-off revenue of SEK 716m from a settlement with the bankruptcy estate of Lehman Brothers. 11

99B 9B Expense analysis Expense analysis, Group Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 SEKm 2012 2011 2011 2011 2011 2010 2010 2010 Staff costs Salaries and other remunerations 1 432-32 1 464 1 756 1 523 1 493 1 519 1 507 1 516 1 449 Variable staff costs 1) 189-19 208 47 73 129 146 101 19 141 Pension costs 1) 222-16 238 212 281 248 260 185 309 263 Social insurance charges 1) 435-9 444 520 446 429 447 431 376 483 Training costs 33 4 29 41 21 30 28 33 15 23 Other staff costs 55-2 57 75 66 61 67 57 45 64 Total staff costs 2 366-74 2 440 2 651 2 409 2 390 2 467 2 314 2 280 2 423 Other expenses Premises and rents 314-17 331 350 313 335 339 354 317 347 IT expenses 380-58 438 518 377 402 399 457 372 410 Tele communications and postage 53-11 64 52 71 52 76 63 70 63 Advertising, PR and marketing 87 18 69 139 84 106 72 131 67 88 Consultants 70-5 75 112 101 166 151 244 196 232 Compensation to Savings Banks 159 7 152 138 121 142 129 137 132 115 Other purchased services 167 26 141 214 220 204 183 211 201 204 Security transport, alarm systems 102 1 101 107 108 113 108 125 134 73 Expenses for repossessed assets 2) 105-12 117 144 128 66 66 8 47 59 Other expenses 248-33 281 287 263 312 322 403 328 307 Depreciation/amortisation 3) 200-4 204 235 257 199 201 280 226 217 Total other expenses 1 885-88 1 973 2 296 2 043 2 097 2 046 2 413 2 090 2 115 Total expenses 4 251-162 4 413 4 947 4 452 4 487 4 513 4 727 4 370 4 538 1) Social insurance charges and pension costs on variable pay are presented as variable staff costs. 2) Including expenses for assets taken over for protection of claims 3) Excluding expenses for assets taken over for protection of claims 12

22B 2B Variable pay Allocations, full year (incl social insurance charges) SEKm Programmes 2012 1) General programme Eken 2012 819 Individual programme 2012 382 of which cash 243 of which shares 138 Other 2012 122 Total allocations, 2012 1 323 Programmes 2011 2) General programme 2011 3) 542 Individual programme 2011 232 of which cash 148 of which shares 3) 84 Other 2011 92 Total allocations, 2011 866 Programmes 2010 Individual programme 2010 310 of which cash 164 of which shares 3) 146 Other 2010 109 Total allocations 2010 419 % Cash vs shares 100% shares ~60% cash & 40% shares 100% cash 100% shares ~60% cash & 40% shares 100% cash ~50% cash & 50% shares 100% cash 1) Allocations are expressed as full-year allocations, i.e. the 2012 YTD allocations are calculated to full-year figures. 2) Allocations for share part include social insurance charges based on the expected share price on delivery date (assumed being equal to the current share price). 3) Forfeited performance rights are taken into account. The share parts are recognised in the accounting over the vesting periods. For the majority of the programmes vesting period is equivalent to 50 months. Income statement impact 2012 SEKm Jan-Jun General programme Eken 2012 98 Individual programme 2012 138 of which cash 121 of which shares 17 General programme 2011 68 Individual programme 2011 14 Individual programme 2010 17 Other 62 Total 397 Equity-settled share based programmes Recognised remuneration expense, including social insurance charges, during the contractual life 5) 2010 2011 2012 4) FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 SEKm Jan-Jun expected expected expected expected expected TOTAL General programme Eken 2012 98 197 197 197 197 33 819 Individual programme 2012 17 33 33 33 33 6 138 General programme 2011 164 68 139 149 79 11 542 Individual programme 2011 20 14 21 20 20 3 84 Individual programme 2010 41 29 17 35 35 6 146 Total 41 213 214 425 434 335 244 38 1 730 Number of performance rights that establish the recognised share based expense 5) General programme Eken 2012 Individual programme 2012 General programme 2011 2010 2011 Jun 2012 Dec 2012 Dec 2013 Dec 2014 Dec 2015 expected expected expected expected Individual programme 2011 605 987 593 867 581 990 Individual programme 2010 Total 1 060 821 1 060 821 1 020 882 1 000 464 5 442 441 11 951 782 11 845 109 956 246 956 246 956 246 956 246 3 794 738 3 718 843 3 644 466 1 791 345 1 041 716 5 661 943 5 661 943 5 661 943 570 350 5 661 943 8 979 884 6 618 189 Dec 2016 expected 4) Recognised remuneration expense for the share part of the programmes 2011 include an adjustment (preliminary expenses 2011 adjusted for actual outcome of the programmes being determined Q2 2012). 5) Staff turnover is taken into account for programmes 2010 and 2011 but not for 2012. 13

Retail YTD YTD % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Net interest income 6 811 5 930 15 3 404 3 407 3 244 3 143 3 012 2 918 2 757 2 484 2 403 Payment processing 732 761-4 365 367 380 425 374 387 421 421 397 Asset management 948 1 018-7 472 476 454 477 508 510 532 500 509 Life insurance 141 157-10 66 75 77 69 80 77 64 66 47 Brokerage 145 190-24 69 76 50 83 85 105 127 47 140 Other securities -3-2 -1 3 2-2 -1-3 Lending and guarantees 81 108-25 36 45 56 55 54 54 58 57 52 Deposits 29 29 14 15 5 15 15 14 4 15 16 Corporate finance 1 1 1 1 1 1 Other commissions 435 344 26 228 207 234 192 175 169 170 152 177 Net commission income 2 509 2 608-4 1 248 1 261 1 259 1 316 1 294 1 314 1 376 1 255 1 339 Net gains and losses on financial items at fair value 105 99 6 55 50 59 58 56 43 78 37 44 Net insurance 160 126 27 80 80 41 16 73 53 64 64 92 Share of the profit or loss of associates 411 394 4 209 202 159 216 224 170 127 192 159 Other income 265 245 8 142 123 142 136 130 115 174 135 153 Total income 10 261 9 402 9 5 138 5 123 4 904 4 885 4 789 4 613 4 576 4 167 4 190 Staff costs 1 763 1 844-4 871 892 937 893 902 942 896 923 902 Variable staff costs 76 55 38 34 42 14 26 33 22 16-22 27 Expenses for premises 283 283 140 143 148 137 142 141 160 139 146 IT expenses 273 277-1 133 140 156 135 136 141 166 128 164 Consultants 24 46-48 11 13 24 17 24 22 30 21 31 Other expenses 2 221 2 295-3 1 132 1 089 1 181 1 039 1 170 1 125 1 136 1 127 1 101 of which internally sold and bought services 1 429 1 477-3 725 704 745 683 737 740 654 717 714 Depreciation/amortisation 47 45 4 24 23 26 24 23 22 26 23 24 Total expenses 4 687 4 845-3 2 345 2 342 2 486 2 271 2 430 2 415 2 430 2 339 2 395 Profit before impairments 5 574 4 557 22 2 793 2 781 2 418 2 614 2 359 2 198 2 146 1 828 1 795 Impairment of intangible assets Impairment of tangible assets Credit impairments 124 11 100 24 216 108 6 5 140-4 52 Operating profit 5 450 4 546 20 2 693 2 757 2 202 2 506 2 353 2 193 2 006 1 832 1 743 Tax expense 1 404 1 091 29 696 708 532 644 515 576 501 488 527 Profit for the period from continuing operations 4 046 3 455 17 1 997 2 049 1 670 1 862 1 838 1 617 1 505 1 344 1 216 Profit for the period from discontinued operations, after tax Profit for the period including non-controlling interest 4 046 3 455 17 1 997 2 049 1 670 1 862 1 838 1 617 1 505 1 344 1 216 Profit for the period attributable to: Shareholders of Swedbank AB 4 039 3 448 17 1 994 2 045 1 668 1 857 1 835 1 613 1 502 1 342 1 213 Non-controlling interests 7 7 3 4 2 5 3 4 3 2 3 Statement of comprehensive income Profit for the period reported via income statement 4 046 3 455 17 1 997 2 049 1 670 1 862 1 838 1 617 1 505 1 344 1 216 Exchange differences on translating foreign operations: Gains/losses arising during the period -2 3-1 -1-6 2 4-1 -3-7 -4 Reclassification adjustments to income statement, net gains and losses on financial items at fair value Hedging of net investments in foreign operations: Gains/losses arising during the period 3-19 14-11 32-9 -25 6 3 31 13 Cash flow hedges: Gains/losses arising during the period Reclassification adjustments to income statement, net interest income Reclassification adjustments to income statement, net gains and losses on financial items at fair value Reclassification adjustments to initial carrying amount of hedged item Share of other comprehensive income of associates 17 22-23 -1 18-18 -6 25-3 8-25 -7 Income tax relating to components of other comprehensive income -1 4-4 3-8 3 6-2 -2-8 -4 Other comprehensive income for the period, net of tax 17 10 70 8 9-10 10 6-9 -2 Total comprehensive income for the period 4 063 3 465 17 2 005 2 058 1 670 1 852 1 848 1 617 1 511 1 335 1 214 Total comprehensive income attributable to: Shareholders of Swedbank AB 4 056 3 457 17 2 002 2 054 1 668 1 848 1 844 1 613 1 508 1 333 1 211 Non-controlling interests 7 8-13 3 4 2 4 4 4 3 2 3 14

Retail YTD YTD % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKbn 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Balance sheet (Incl intra-group transactions) Assets Cash and balances with central banks 2 2 0 2 1 1 2 2 2 2 3 Loans to credit institutions 29 31-6 29 33 32 31 31 28 31 27 27 Loans to the public 914 886 3 914 907 899 892 886 882 875 867 860 Bonds and other interest-bearing securities Financial assets for which customers bear inv. risk 99 102-3 99 101 94 90 102 100 99 87 83 Derivatives Other assets 14 13 8 14 14 14 14 13 12 12 17 17 Total assets 1 058 1 034 2 1 058 1 055 1 040 1 028 1 034 1 024 1 019 1 000 990 Liabilities and equity Amounts owed to credit institutions 70 76-8 70 69 76 74 76 69 73 77 77 Deposits and borrowings from the public 370 351 5 370 362 368 356 351 342 348 335 326 Debt securities in issue Financial liabilities for which customers bear inv. risk 100 102-2 100 103 94 91 102 101 99 93 89 Derivatives Other liabilities 484 471 3 484 489 466 472 471 478 463 462 464 Subordinated liabilities 9 10 9 9 12 13 11 12 Allocated equity 34 25 36 34 32 26 26 25 22 23 22 22 Total liabilities and equity 1 058 1 034 2 1 058 1 055 1 040 1 028 1 034 1 024 1 019 1 000 990 Key figures Key performance indicators Return on allocated equity, % 25.5 29.6 24.6 26.5 25.7 28.7 30.8 28.5 27.1 24.5 21.8 Cost/Income ratio 0.46 0.52 0.46 0.46 0.51 0.46 0.51 0.52 0.53 0.56 0.57 Core Tier 1 capital ratio, Basel 2, % 15.7 11.7 15.7 15.4 12.2 12.0 11.7 10.9 Credit impairment ratio, % 0.03 0.00 0.04 0.01 0.09 0.05 0.00 0.00 0.06 0.00 0.02 Loan/Deposit ratio, % 247 253 247 251 244 250 253 259 251 259 266 Volumes, SEKbn Loans to the public excluding repos & SNDO 1) 914 886 3 914 907 899 892 886 882 875 867 860 Deposits from the public excluding repos & SNDO 1) 370 351 5 370 362 368 356 351 342 348 335 323 Mutual funds & insurance 238 267-11 238 243 230 224 267 269 275 264 257 Index linked bonds 16 17-6 16 16 16 16 17 17 17 19 20 Allocated equity, average, SEKm 31 636 23 276 36 32 410 30 921 25 941 25 907 23 862 22 630 22 153 21 894 22 214 Core Tier 1 capital, period end 34.5 26.1 32 34.5 32.6 26.6 26.7 26.1 24.7 Risk-weighted assets, Basel 2 220 222-1 220 212 219 222 222 227 222 227 229 Commitments 108 114-5 108 103 106 107 114 109 107 110 126 Full-time employees 4 829 5 120-6 4 829 4 920 4 946 5 004 5 120 5 193 5 208 5 180 5 239 1) Excluding intra-group transactions Other information (millions) Number of Internet bank customers (incl. savings banks) 3.4 3.3 4 3.4 3.4 3.4 3.3 3.3 3.2 3.2 3.1 3.1 Number of internet bank payments (incl. savings banks) 97.1 91.1 7 50.3 46.8 42.9 44.6 45.3 45.8 45.9 42.0 43.0 Number of mobile bank customers (incl. savings banks) 0.9 0.4 0.9 0.8 0.7 0.5 0.4 0.3 0.2 0.2 0.1 Number of cards 3.8 3.8 1 3.8 3.8 3.8 3.8 3.8 3.7 3.8 3.7 3.7 Number of card purchases 385.3 353.9 9 202.1 183.2 195.0 192.5 187.3 166.6 177.9 176.2 168.3 Number of card aqcuiring 644.6 599.3 8 338.8 305.8 322.0 315.2 315.5 283.8 309.4 303.3 292.1 Average number of products/ private customer 5.4 5.2 5.4 5.4 5.3 5.2 5.2 5.1 5.1 5.0 4.9 Average number of products/ corporate customer 8.1 8.1 8.1 8.1 7.9 8.1 8.1 8.0 7.9 7.9 7.8 Products per private customer, Sweden Number of customers, thousand 1 200 1 000 800 600 400 200 Products per corporate customer, Sweden Number of customers, thousand 25 20 15 10 5 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 >15 Q1, 2012 Number of products 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 >15 Q1, 2012 Number of products 15

Large Corporates & Institutions YTD YTD % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Net interest income 1 712 1 707 0 825 887 1 051 756 884 823 706 631 725 Payment processing 226 258-12 115 111 107 104 147 111 125 124 117 Asset management 93 122-24 39 54 49 52 54 68 65 58 62 Life insurance 4 4 2 2 2 1 2 2 1 1 1 Brokerage 37 64-42 4 33 44 20 25 39 27 38 18 Other securities -52-39 33-36 -16-46 -16-21 -18-10 -13 3 Lending and guarantees 241 186 30 122 119 109 96 32 154 159 84 88 Deposits 12 7 71 6 6 1 10 1 6 2 2 2 Corporate finance 188 125 50 78 110-13 41 76 49 85 57 111 Other commissions 31 27 15 16 15 16 9 18 9 38 52-16 Net commission income 780 754 3 346 434 269 317 334 420 492 403 386 Net gains and losses on financial items at fair value 964 386 316 648 224 95 20 366 436 257 305 Net insurance Share of the profit or loss of associates 6 1 6-5 -1 1-1 Other income 17 736-98 12 5-5 17 9 727 16 6 27 Total income 3 479 3 584-3 1 499 1 980 1 534 1 184 1 247 2 337 1 650 1 296 1 443 Staff costs 575 613-6 281 294 422 326 300 313 304 279 249 Variable staff costs 224 133 68 118 106 13 6 50 83 69 116 Expenses for premises 72 78-8 37 35 50 37 46 32 32 30 31 IT expenses 197 185 6 103 94 88 98 90 95 121 110 102 Consultants 37 66-44 17 20 31 25 25 41 54 41 40 Other expenses 308 380-19 154 154 210 163 214 166 182 150 165 of which internally sold and bought services 162 191-15 89 73 108 67 110 81 81 72 78 Depreciation/amortisation 20 19 5 10 10 17 10 10 9 14 18 9 Total expenses 1 433 1 474-3 720 713 831 665 735 739 776 628 712 Profit before impairments 2 046 2 110-3 779 1 267 703 519 512 1 598 874 668 731 Impairment of intangible assets 4 4 17 Impairment of tangible assets Credit impairments 68-125 54 14 4-68 -20-105 62-53 -58 Operating profit 1 974 2 235-12 721 1 253 682 587 532 1 703 812 721 789 Tax expense 675 757-11 245 430 252 119 140 617 209 198 191 Profit for the period from continuing operations 1 299 1 478-12 476 823 430 468 392 1 086 603 523 598 Profit for the period from discontinued operations, after tax Profit for the period including non-controlling interest 1 299 1 478-12 476 823 430 468 392 1 086 603 523 598 Profit for the period attributable to: Shareholders of Swedbank AB 1 299 1 478-12 476 823 430 468 392 1 086 603 519 582 Non-controlling interests 4 16 Statement of comprehensive income Profit for the period reported via income statement 1 299 1 478-12 476 823 430 468 392 1 086 603 523 598 Exchange differences on translating foreign operations: Gains/losses arising during the period 8 7 14 1 7-15 12-5 1-22 -5 Reclassification adjustments to income statement, net gains and losses on financial items at fair value Hedging of net investments in foreign operations: Gains/losses arising during the period -7-2 -2-5 13-2 -4 2-1 5 3 Cash flow hedges: Gains/losses arising during the period Reclassification adjustments to income statement, net interest income Reclassification adjustments to income statement, net gains and losses on financial items at fair value Reclassification adjustments to initial carrying amount of hedged item Share of other comprehensive income of associates Income tax relating to components of other comprehensive income 2 1 100 1 1-3 1-2 Other comprehensive income for the period, net of tax 3 6-50 3-5 -2 9-3 -19-2 Total comprehensive income for the period 1 302 1 484-12 476 826 425 466 401 1 083 603 504 596 Total comprehensive income attributable to: Shareholders of Swedbank AB 1 302 1 484-12 476 826 425 466 401 1 083 604 506 582 Non-controlling interests -1-2 14 16

Large Corporates & Institutions YTD YTD % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKbn 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Balance sheet (Incl intra-group transactions) Assets Cash and balances with central banks 7 1 7 7 7 6 1 1 2 1 1 Loans to credit institutions 269 310-13 269 286 297 316 310 310 358 472 571 Loans to the public 184 149 23 184 174 179 155 149 148 169 197 217 Bonds and other interest-bearing securities 59 70-16 59 78 63 65 70 76 78 143 199 Financial assets for which customers bear inv. risk Derivatives 113 68 66 113 105 122 120 68 77 72 99 96 Other assets 14 11 27 14 23 13 13 11 16 17 16 9 Total assets 646 609 6 646 673 681 675 609 628 696 928 1 093 Liabilities and equity Amounts owed to credit institutions 209 242-14 209 223 232 242 242 253 222 354 459 Deposits and borrowings from the public 80 64 25 80 99 76 71 64 86 92 92 84 Debt securities in issue 19 19 19 18 18 18 19 18 84 97 72 Financial liabilities for which customers bear inv. risk Derivatives 112 66 70 112 103 120 116 66 76 72 100 91 Other liabilities 206 195 6 206 211 216 206 195 174 203 257 359 Subordinated liabilities 7 6 7 7 5 6 11 11 Allocated equity 20 16 25 20 19 13 15 16 16 17 17 17 Total liabilities and equity 646 609 6 646 673 681 675 609 628 696 928 1 093 Key figures Key performance indicators Return on allocated equity, % 14.2 18.7 9.8 19.1 12.3 11.8 10.2 27.0 14.6 12.7 13.7 Cost/Income ratio 0.41 0.41 0.48 0.36 0.54 0.56 0.59 0.32 0.47 0.48 0.49 Core Tier 1 capital ratio, Basel 2, % 14.2 10.5 14.2 13.1 9.5 11.0 10.5 9.1 Credit impairment ratio, % 0.06-0.08 0.09 0.02-0.10-0.03-0.14 0.07-0.06-0.07 Loan/Deposit ratio, % 214 224 214 179 217 215 224 180 176 220 173 Volumes, SEKbn Loans to the public excluding repos & SNDO 1) 139 121 15 139 133 134 125 121 116 128 133 137 Deposits from the public excluding repos & SNDO 1) 65 53 23 65 74 62 59 53 64 73 61 79 Mutual funds & insurance 13 15-13 13 13 13 13 15 16 15 16 15 Index linked bonds 22 23-4 22 22 22 22 23 23 23 26 27 Discretionary asset management Goodwill Allocated equity, average, SEKm 18 236 15 827 15 19 384 17 227 13 933 15 885 15 347 16 098 16 526 16 328 16 984 Core Tier 1 capital, period end 18.0 15.2 18 18.0 17.7 12.3 14.3 15.2 13.3 Risk-weighted assets, Basel 2 127 144-12 127 135 129 131 144 146 156 162 167 Commitments 49 53-8 49 51 55 52 53 51 54 51 38 Full-time employees 1 017 1 063-4 1 017 1 038 1 076 1 059 1 063 1 114 1 107 1 079 1 055 1) Excluding intra-group transactions Other information, SEKm Net interest income, Large Corporates 1 318 877 50 666 652 563 519 444 433 483 360 349 17

Baltic Banking YTD YTD % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Net interest income 1 782 2 014-12 870 912 901 995 1 017 997 1 168 919 863 Payment processing 561 502 12 286 275 297 297 277 225 291 291 285 Asset management 64 68-6 32 32 29 39 31 37 35 34 35 Life insurance -4 1-2 -2 7-7 1 1-1 1 Brokerage 1 Other securities -3-2 50-2 -1-1 -3-1 -1-2 -1-2 Lending and guarantees 89 79 13 46 43 41 43 42 37 43 44 50 Deposits Corporate finance Other commissions 42 34 24 18 24 7 23 15 19 17 19 21 Net commission income 749 682 10 378 371 380 392 365 317 385 387 390 Net gains and losses on financial items at fair value 137 116 18 74 63 84 80 61 55 119 48 102 Net insurance 156 138 13 80 76 89 77 81 57 80 102 75 Share of the profit or loss of associates -1 1 Other income 58 87-33 28 30 67 45 42 45-126 115 84 Total income 2 882 3 037-5 1 430 1 452 1 521 1 589 1 566 1 471 1 626 1 570 1 515 Staff costs 372 396-6 184 188 221 185 197 199 206 179 195 Variable staff costs 34 18 89 14 20 5 11 13 5 Expenses for premises 97 100-3 45 52 57 51 48 52 52 53 56 IT expenses 85 113-25 40 45 73 58 59 54 17 18 13 Consultants 3 3 2 1 4 1 2 1 4 4 Other expenses 553 606-9 272 281 327 282 299 307 376 336 366 of which internally sold and bought services 415 436-5 207 208 234 204 226 210 303 249 267 Depreciation/amortisation 64 64 31 33 32 36 31 33 34 36 38 Total expenses 1 208 1 300-7 588 620 719 624 649 651 685 626 672 Profit before impairments 1 674 1 737-4 842 832 802 965 917 820 941 944 843 Impairment of intangible assets 1 913 23 Impairment of tangible assets 2 25-92 4-2 21-12 20 5 72 41 117 Credit impairments -338-524 -35-204 -134-117 -361-142 -382-163 327 1 096 Operating profit 2 010 2 236-10 1 042 968-1 015 1 338 1 039 1 197 1 032 553-370 Tax expense 173 251-31 96 77 71 127 125 126 39 9-58 Profit for the period from continuing operations 1 837 1 985-7 946 891-1 086 1 211 914 1 071 993 544-312 Profit for the period from discontinued operations, after tax Profit for the period including non-controlling interest 1 837 1 985-7 946 891-1 086 1 211 914 1 071 993 544-312 Profit for the period attributable to: Shareholders of Swedbank AB 1 837 1 985-7 946 891-1 086 1 211 914 1 071 993 544-312 Non-controlling interests Statement of comprehensive income Profit for the period reported via income statement 1 837 1 985-7 946 891-1 086 1 211 914 1 071 993 544-312 Exchange differences on translating foreign operations: Gains/losses arising during the period -595 561-314 -281-1 242 417 691-130 -548-1 114-655 Reclassification adjustments to income statement, net gains and losses on financial items at fair value Hedging of net investments in foreign operations: Gains/losses arising during the period 426-335 216 210 1 069-383 -410 75 313 639 377 Cash flow hedges: Gains/losses arising during the period Reclassification adjustments to income statement, net interest income Reclassification adjustments to income statement, net gains and losses on financial items at fair value Reclassification adjustments to initial carrying amount of hedged item Share of other comprehensive income of associates Income tax relating to components of other comprehensive income -113 88-57 -56-281 101 108-20 -82-168 -99 Other comprehensive income for the period, net of tax -282 314-155 -127-454 135 389-75 -317-643 -377 Total comprehensive income for the period 1 555 2 299-32 791 764-1 540 1 346 1 303 996 676-99 -689 Total comprehensive income attributable to: Shareholders of Swedbank AB 1 555 2 299-32 791 764-1 540 1 346 1 303 996 676-99 -689 Non-controlling interests 18

Baltic Banking YTD YTD % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKbn 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Balance sheet (Incl intra-group transactions) Assets Cash and balances with central banks 2 2 2 2 3 2 2 2 12 13 14 Loans to credit institutions 19 13 12 Loans to the public 115 125-8 115 116 119 125 125 127 130 136 146 Bonds and other interest-bearing securities 2 2 2 2 2 3 2 2 12 14 14 Financial assets for which customers bear inv. risk 2 2 2 2 2 2 2 2 2 2 2 Derivatives Other assets 12 15-20 12 12 12 14 15 13 16 18 22 Total assets 133 146-9 133 134 138 146 146 146 191 196 210 Liabilities and equity Amounts owed to credit institutions 54 60 66 Deposits and borrowings from the public 100 95 5 100 96 98 99 95 89 93 91 96 Debt securities in issue 1 1 1 1 1 1 1 1 1 1 1 Financial liabilities for which customers bear inv. risk 2 2 2 2 2 2 2 2 2 2 2 Derivatives Other liabilities 5 18-72 5 10 12 16 18 18 Subordinated liabilities 5 4 4 5 7 7 7 8 Allocated equity 25 25 25 25 21 24 25 29 34 35 37 Total liabilities and equity 133 146-9 133 134 138 146 146 146 191 196 210 Key figures Key performance indicators Return on allocated equity, % 14.7 13.6 14.8 14.5-18.9 19.7 13.5 13.9 11.4 6.1-3.3 Cost/Income ratio 0.42 0.43 0.41 0.43 0.47 0.39 0.41 0.44 0.42 0.40 0.44 Core Tier 1 capital ratio, Basel 2, % 14.8 11.6 14.8 15.3 10.4 11.1 11.6 14.2 Credit impairment ratio, % -0.57-0.80-0.69-0.45-0.37-1.15-0.44-1.17-0.51 0.90 2.83 Loan/Deposit ratio, % 115 142 115 120 126 133 142 141 149 151 159 Volumes, SEKbn Loans to the public excluding repos & SNDO 1) 115 125-8 115 116 119 125 125 126 130 136 145 Deposits from the public excluding repos & SNDO 1) 100 95 5 100 96 97 99 95 89 93 91 96 Mutual funds & insurance 19 19 19 19 18 18 19 18 20 20 20 Index linked bonds Discretionary asset management Goodwill 9 11-18 9 9 9 11 11 11 11 12 12 Allocated equity, average, SEKm 25 022 29 179-14 25 535 24 592 23 010 24 551 27 072 30 858 34 763 35 846 37 695 Core Tier 1 capital, period end 14.6 12.5 17 14.6 15.2 10.6 11.5 12.5 17.0 Risk-weighted assets, Basel 2 98 108-9 98 99 102 104 108 120 136 143 152 Commitments 16 14 14 16 16 16 16 14 13 13 12 13 Full-time employees 4 103 4 448-8 4 103 4 109 4 257 4 443 4 448 4 396 4 392 4 520 4 552 1) Excluding intra-group transactions Other information (millions) Number of Internet bank customers 3.4 3.3 3 3.4 3.4 3.4 3.3 3.3 3.2 3.2 3.1 3.1 Number of internet bank payments 60.5 52.5 15 30.7 29.8 30.0 26.7 27.2 25.3 26.5 23.4 24.2 Number of cards 3.9 3.8 3 3.9 3.9 3.9 3.8 3.8 3.8 3.8 3.8 3.8 Number of card purchases 114.8 102.7 12 59.8 55.0 55.5 54.3 53.9 48.8 47.9 47.0 46.2 Number of card aquiring 118.8 108.4 10 62.1 56.7 59.0 60.3 57.6 50.8 49.2 47.7 46.4 Amortisation plan Baltic Banking Investment 2012 2013 2014 2015 2016 2017 2018 2019 2020 Revalued lending (net interest income) 93 81 68 33 Intangible assets, customer base (amortisations) 51 45 39 33 27 20 13 6 1 19

Estonia YTD YTD Δ % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Net interest income 780 903-14 377 403 418 463 453 450 520 436 413 Payment processing 186 192-3 97 89 102 104 100 92 109 109 111 Asset management 26 31-16 13 13 15 17 13 18 14 16 17 Life insurance 1 1 1 2-3 1 1 1 Brokerage Other securities -2-1 -1-1 -1 Lending and guarantees 41 39 5 22 19 22 21 20 19 22 21 22 Deposits Corporate finance Other commissions 13 9 44 7 6 1 5 5 4 2 3 4 Net commission income 267 270-1 139 128 141 143 138 132 148 149 155 Net gains and losses on financial items at fair value 38 28 36 23 15 22 22 15 13 74-12 46 Net insurance Share of the profit or loss of associates -1 1 Other income 3 20-85 -3 6 4 3 8 12-36 26 16 Total income 1 088 1 221-11 536 552 585 631 614 607 706 598 631 Staff costs 138 135 2 68 70 77 56 66 69 66 54 59 Variable staff costs 12 4 4 8 2 3 4 Expenses for premises 43 44-2 21 22 28 21 21 23 23 23 27 IT expenses 28 47-40 14 14 6 38 21 26 7 12 11 Consultants 1 1-1 1 1 1 1 Other expenses 209 242-14 104 105 124 123 109 133 175 136 131 of which internally sold and bought services 153 172-11 75 78 86 100 92 80 135 103 98 Depreciation/amortisation 7 8-13 1 6 6 9 4 4 5 5 5 Total expenses 438 480-9 213 225 242 251 225 255 277 231 234 Profit before impairments 650 741-12 323 327 343 380 389 352 429 367 397 Impairment of intangible assets 23 Impairment of tangible assets 13 2 13 23 1 Credit impairments -103 127-25 -78-55 -125 136-9 24 3 348 Operating profit 753 601 25 348 405 396 505 240 361 382 341 48 Tax expense -1-3 -67-1 -1 1-2 -1 2-1 Profit for the period from continuing operations 754 604 25 348 406 397 504 242 362 380 342 48 Profit for the period from discontinued operations, after tax Profit for the period including non-controlling interest 754 604 25 348 406 397 504 242 362 380 342 48 Profit for the period attributable to: Shareholders of Swedbank AB 754 604 25 348 406 373 504 242 362 380 342 48 Non-controlling interests Balance sheet (Incl intra-group transactions), SEKbn Assets Cash and balances with central banks 1 1 1 1 1 1 1 1 3 5 7 Loans to credit institutions 7 5 4 Loans to the public 52 55-5 52 52 53 55 55 56 58 60 63 Bonds and other interest-bearing securities 1 1 1 1 6 7 7 Financial assets for which customers bear inv. risk 1 1 1 1 1 1 1 Derivatives Other assets 1 1 1 1 1 1 1 1 1 3 Total assets 54 59-8 54 54 55 59 59 60 75 79 85 Liabilities and equity Amounts owed to credit institutions 22 26 28 Deposits and borrowings from the public 47 43 9 47 44 45 45 43 41 42 42 45 Debt securities in issue Financial liabilities for which customers bear inv. risk 1 1 1 1 1 1 1 Derivatives Other liabilities 2 8-75 2 5 4 6 8 9 Subordinated liabilities 2 2 2 2 3 3 3 3 Allocated equity 5 5 5 5 4 5 5 6 7 7 8 Total liabilities and equity 54 59-8 54 54 55 59 59 60 75 79 85 Key figures Key performance indicators Return on allocated equity, % 28.3 19.0 25.6 31.5 34.4 42.5 17.5 20.6 21.5 18.7 2.4 Cost/Income ratio 0.40 0.39 0.40 0.41 0.41 0.40 0.37 0.42 0.39 0.39 0.37 Credit impairment ratio, % -0.39 0.44-0.19-0.59-0.41-0.91 0.98-0.06-0.09 0.01 2.05 Loan/Deposit ratio, % 112 137 112 118 121 128 137 138 143 140 147 Volumes, SEKbn Loans to the public excluding repos & SNDO 1) 52 55-5 52 52 53 54 55 56 58 60 63 Deposits from the public excluding repos & SNDO 1) 47 43 9 47 44 45 45 43 41 42 42 45 Mutual funds & insurance 8 9-11 8 8 8 8 9 8 10 10 10 Index linked bonds Discretionary asset management Goodwill Allocated equity, average, SEKm 5 332 6 367-16 5 444 5 159 4 341 4 742 5 534 7 037 7 077 7 315 7 851 Risk-weighted assets, Basel 2 39 42-7 39 39 41 42 42 45 57 59 61 Commitments 9 7 29 9 9 9 9 7 6 6 6 6 Full-time employees 1 466 1 489-2 1 466 1 476 1 532 1 452 1 489 1 431 1 418 1 447 1 423 1) Excluding intra-group transactions 20

Latvia YTD YTD Δ % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Net interest income 501 567-12 243 258 231 263 283 284 320 274 257 Payment processing 164 125 31 78 86 90 90 79 46 87 90 84 Asset management 21 21 11 10 10 11 10 11 11 11 11 Life insurance Brokerage Other securities Lending and guarantees 23 24-4 13 10 11 13 13 11 14 16 17 Deposits Corporate finance Other commissions 18 12 50 8 10 7 11 7 5 5 6 6 Net commission income 226 182 24 110 116 118 125 109 73 117 123 118 Net gains and losses on financial items at fair value 55 53 4 28 27 31 31 26 27 17 29 46 Net insurance Share of the profit or loss of associates Other income 18 17 6 13 5 10 10 10 7-34 31 24 Total income 800 819-2 394 406 390 429 428 391 420 457 445 Staff costs 99 96 3 48 51 57 50 49 47 54 51 53 Variable staff costs 9 5 80 3 6 1 4 3 2 Expenses for premises 24 24 11 13 13 13 12 12 14 14 13 IT expenses 22 31-29 11 11 28 5 18 13 4 1-6 Consultants 1 1 1 2 1-2 2 2 Other expenses 167 199-16 82 85 107 74 101 98 121 112 106 of which internally sold and bought services 127 158-20 62 65 82 41 78 80 93 88 81 Depreciation/amortisation 15 16-6 7 8 8 8 8 8 9 9 9 Total expenses 337 372-9 163 174 216 154 192 180 200 189 177 Profit before impairments 463 447 4 231 232 174 275 236 211 220 268 268 Impairment of intangible assets Impairment of tangible assets 1 10-90 1 16 4 3 7 5 9 7 Credit impairments -218-299 -27-197 -21 158-191 -164-135 -57 369 453 Operating profit 680 736-8 427 253 0 462 397 339 272-110 -192 Tax expense 102 119-14 64 38-5 67 67 52 46-17 -30 Profit for the period from continuing operations 578 617-6 363 215 5 395 330 287 226-93 -162 Profit for the period from discontinued operations, after tax Profit for the period including non-controlling interest 578 617-6 363 215 5 395 330 287 226-93 -162 Profit for the period attributable to: Shareholders of Swedbank AB 578 617-6 363 215 5 395 330 287 226-93 -162 Non-controlling interests Balance sheet (Incl intra-group transactions), SEKbn Assets Cash and balances with central banks 1 1 1 1 1 5 5 5 Loans to credit institutions 8 5 4 Loans to the public 30 35-14 30 31 32 34 35 36 37 39 43 Bonds and other interest-bearing securities 1 2 1 Financial assets for which customers bear inv. risk Derivatives Other assets 1 1 1 1 1 1 1 3 3 4 Total assets 31 37-16 31 31 34 36 37 38 54 54 57 Liabilities and equity Amounts owed to credit institutions 24 24 26 Deposits and borrowings from the public 19 19 19 18 19 20 19 18 19 18 18 Debt securities in issue Financial liabilities for which customers bear inv. risk Derivatives Other liabilities 7 11-36 7 8 10 10 11 11 Subordinated liabilities 2 1 1 2 2 2 3 3 Allocated equity 5 5 5 5 4 5 5 7 9 9 10 Total liabilities and equity 31 37-16 31 31 34 36 37 38 54 54 57 Key figures Key performance indicators Return on allocated equity, % 22.2 19.1 26.9 16.9 0.5 34.6 21.8 16.8 10.3-4.0-6.5 Cost/Income ratio 0.42 0.45 0.41 0.43 0.55 0.36 0.45 0.46 0.48 0.41 0.40 Credit impairment ratio, % -1.35-1.62-2.52-0.26 1.83-2.19-1.83-1.47-0.91 3.46 3.97 Loan/Deposit ratio, % 153 200 153 167 178 185 200 195 217 239 242 Volumes, SEKbn Loans to the public excluding repos & SNDO 1) 30 35-14 30 31 32 35 35 36 37 39 43 Deposits from the public excluding repos & SNDO 1) 19 19 19 18 19 20 19 18 19 18 18 Mutual funds & insurance 5 4 25 5 5 4 4 4 4 4 4 4 Index linked bonds Discretionary asset management Goodwill Allocated equity, average, SEKm 5 197 6 469-20 5 391 5 079 4 237 4 561 6 066 6 835 8 790 9 234 9 985 Risk-weighted assets, Basel 2 33 36-8 33 33 33 35 36 45 39 42 45 Commitments 3 3 3 4 4 4 3 4 4 3 3 Full-time employees 1 179 1 183-0 1 179 1 170 1 214 1 218 1 183 1 181 1 183 1 183 1 234 1) Excluding intra-group transactions 21

Lithuania YTD YTD Δ % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Net interest income 479 557-14 236 243 259 273 288 269 339 239 213 Payment processing 211 185 14 110 101 107 102 97 88 96 93 91 Asset management 13 16-19 6 7 4 12 8 8 12 8 7 Life insurance 5-5 -1 Brokerage 1 Other securities -1-1 -1 1-1 -1-1 Lending and guarantees 20 16 25 10 10 8 9 9 7 8 8 9 Deposits Corporate finance Other commissions 20 24-17 10 10 8 14 12 12 12 14 15 Net commission income 263 240 10 135 128 133 131 125 115 128 122 122 Net gains and losses on financial items at fair value 49 44 11 27 22 29 28 23 21 24 27 12 Net insurance Share of the profit or loss of associates Other income 26 32-19 14 12 45 35 14 18-51 53 36 Total income 817 873-6 412 405 466 467 450 423 440 441 383 Staff costs 105 116-9 53 52 70 61 59 57 62 58 62 Variable staff costs 11 6 83 5 6 1 4 4 2 Expenses for premises 28 28 12 16 17 15 13 15 16 15 16 IT expenses 23 35-34 9 14 35 16 20 15 6 5 8 Consultants 1 1 1 1 1 1 Other expenses 181 185-2 93 88 107 92 96 89 104 96 121 of which internally sold and bought services 141 145-3 72 69 76 68 75 70 90 76 82 Depreciation/amortisation 16 10 60 11 5 5 4 5 5 5 6 6 Total expenses 365 381-4 184 181 235 192 198 183 194 181 213 Profit before impairments 452 492-8 228 224 231 275 252 240 246 260 170 Impairment of intangible assets Impairment of tangible assets 1 2-50 3-2 4-16 4-2 45 31 109 Credit impairments -17-352 -95 18-35 -232-71 -114-238 -130-45 294 Operating profit 468 842-44 207 261 459 362 362 480 331 274-233 Tax expense 71 132-46 32 39 65 59 58 74-10 27-30 Profit for the period from continuing operations 397 710-44 175 222 394 303 304 406 341 247-203 Profit for the period from discontinued operations, after tax Profit for the period including non-controlling interest 397 710-44 175 222 394 303 304 406 341 247-203 Profit for the period attributable to: Shareholders of Swedbank AB 397 710-44 175 222 394 303 304 406 341 247-203 Non-controlling interests Balance sheet (Incl intra-group transactions), SEKbn Assets Cash and balances with central banks 1 1 1 1 1 1 1 1 3 3 2 Loans to credit institutions 6 4 7 Loans to the public 33 35-6 33 33 34 36 35 35 35 37 39 Bonds and other interest-bearing securities 1 1 1 1 1 1 1 1 5 6 6 Financial assets for which customers bear inv. risk 1 1 1 1 1 1 1 1 1 1 1 Derivatives Other assets 2 1 100 2 2 1 1 1 1 2 2 1 Total assets 38 39-3 38 38 38 40 39 39 52 53 56 Liabilities and equity Amounts owed to credit institutions 10 11 13 Deposits and borrowings from the public 34 33 3 34 34 34 34 33 30 32 32 33 Debt securities in issue Financial liabilities for which customers bear inv. risk 1 1 1 1 1 1 1 Derivatives Other liabilities 1 1 1 1 Subordinated liabilities 1 1 1 1 2 2 2 2 Allocated equity 4 4 4 4 3 4 4 5 6 6 6 Total liabilities and equity 38 39-3 38 38 38 40 39 39 52 53 56 Key figures Key performance indicators Return on allocated equity, % 19.9 30.2 17.2 22.4 46.4 32.3 28.6 32.2 22.5 16.1-12.6 Cost/Income ratio 0.45 0.44 0.45 0.45 0.50 0.41 0.44 0.43 0.44 0.41 0.56 Credit impairment ratio, % -0.10-1.99 0.22-0.42-2.97-0.52-1.31-2.70-0.76-0.49 2.88 Loan/Deposit ratio, % 95 113 95 97 104 108 113 109 119 118 124 Volumes, SEKbn Loans to the public excluding repos & SNDO 1) 33 35-6 33 33 34 36 35 34 35 37 39 Deposits from the public excluding repos & SNDO 1) 34 33 3 34 34 33 34 33 30 32 31 33 Mutual funds & insurance 6 6 6 6 6 6 6 6 6 6 6 Index linked bonds Discretionary asset management Goodwill Allocated equity, average, SEKm 3 989 4 706-15 4 069 3 962 3 397 3 750 4 250 5 043 6 064 6 118 6 441 Risk-weighted assets, Basel 2 26 30-13 26 27 28 27 30 30 32 34 37 Commitments 4 4 4 3 3 3 4 3 3 3 4 Full-time employees 1 340 1 508-11 1 340 1 345 1 364 1 512 1 508 1 479 1 519 1 616 1 612 1) Excluding intra-group transactions 22

Other Baltic Banking YTD YTD Δ % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Net interest income 22-13 14 8-7 -4-7 -6-11 -30-20 Payment processing 1-1 -2 1 1-1 -1-1 -1 Asset management 4 2 2-1 -2-1 Life insurance -5-2 -3 1 Brokerage Other securities -2 1-1 -1-1 -1 1-2 -2 Lending and guarantees 5 1 4-1 -1 2 Deposits Corporate finance Other commissions -9-11 -18-7 -2-9 -7-9 -2-2 -4-4 Net commission income -7-10 -30-6 -1-12 -7-7 -3-8 -7-5 Net gains and losses on financial items at fair value -5-9 -44-4 -1 2-1 -3-6 4 4-2 Net insurance 156 138 13 80 76 89 77 81 57 80 102 75 Share of the profit or loss of associates Other income 11 18-39 4 7 8-3 10 8-5 5 8 Total income 177 124 43 88 89 80 62 74 50 60 74 56 Staff costs 30 49-39 15 15 17 18 23 26 24 16 21 Variable staff costs 2 3-33 2 1 2 1 Expenses for premises 2 4-50 1 1-1 2 2 2-1 1 IT expenses 12 6 6 4-1 Consultants 1-1 1 3 1 1 Other expenses -4-20 -80-7 3-11 -7-7 -13-24 -8 8 of which internally sold and bought services -6-39 -85-2 -4-10 -5-19 -20-15 -18 6 Depreciation/amortisation 26 30-13 12 14 13 15 14 16 15 16 18 Total expenses 68 67 1 28 40 26 27 34 33 14 25 48 Profit before impairments 109 57 91 60 49 54 35 40 17 46 49 8 Impairment of intangible assets 1 913 Impairment of tangible assets -1-1 1 Credit impairments 12 26 1 Operating profit 109 57 91 60 49-1 870 9 40 17 47 48 7 Tax expense 1 3-67 1 12 2 1 1 2 Profit for the period from continuing operations 108 54 100 60 48-1 882 9 38 16 46 48 5 Profit for the period from discontinued operations, after tax Profit for the period including non-controlling interest 108 54 100 60 48-1 882 9 38 16 46 48 5 Profit for the period attributable to: Shareholders of Swedbank AB 108 54 100 60 48-1 858 9 38 16 46 48 5 Non-controlling interests Balance sheet (Incl intra-group transactions), SEKbn Assets Cash and balances with central banks -1-1 -1-1 1 Loans to credit institutions -2-1 -3 Loans to the public 1 Bonds and other interest-bearing securities 1 1 1 1 1-1 Financial assets for which customers bear inv. risk 1 1 1 1 Derivatives Other assets 8 12-33 8 9 9 11 12 10 11 12 14 Total assets 10 11-9 10 11 11 11 11 9 10 10 12 Liabilities and equity Amounts owed to credit institutions -2-1 -1 Deposits and borrowings from the public -1 Debt securities in issue 1 1 1 1 1 1 1 1 1 1 1 Financial liabilities for which customers bear inv. risk 2 2 2 2 Derivatives Other liabilities -4-1 -4-3 -2-1 -3-1 -1-1 Subordinated liabilities -1 Allocated equity 11 11 11 11 10 10 11 11 12 13 13 Total liabilities and equity 10 11-9 10 11 11 11 11 9 10 10 12 Key figures Key performance indicators Return on allocated equity, % 2.1 0.9 2.2 1.8-75.4 0.4 1.4 0.5 1.5 1.5 0.2 Cost/Income ratio 0.38 0.54 0.32 0.45 0.33 0.44 0.46 0.66 0.23 0.34 0.86 Credit impairment ratio, % 0.00 0.00 0.00 0.00 17.07 30.08 0.00 0.00 0.00 0.00 0.00 Loan/Deposit ratio, % Volumes, SEKbn Loans to the public excluding repos & SNDO 1) Deposits from the public excluding repos & SNDO 1) Mutual funds & insurance Index linked bonds Discretionary asset management Goodwill 9 11-18 9 9 9 11 11 11 11 12 12 Allocated equity, average, SEKm 10 504 11 637-10 10 825 10 392 9 857 10 143 10 819 11 943 12 366 12 821 13 257 Risk-weighted assets, Basel 2 8 8 9 Commitments Full-time employees 118 268-56 118 118 147 261 268 305 272 274 283 1) Excluding intra-group transactions 23

Asset Management YTD YTD % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Net interest income 8 4 100 4 4-4 4-2 -5-3 Payment processing -1-1 -1-1 -2 Asset management 749 800-6 377 372 379 369 402 398 411 391 389 Life insurance Brokerage 7 10-30 3 4 3 5 3 7 5 4 4 Other securities -1-1 -1-1 -1-1 -2-4 Lending and guarantees Deposits Corporate finance Other commissions -1-2 -50-1 -1 1-1 -1-1 -1 Net commission income 753 806-7 379 374 380 374 403 403 415 393 386 Net gains and losses on financial items at fair value 4-5 -1 5-1 -3-5 2-5 1 Net insurance Share of the profit or loss of associates Other income 1 1 2 3 2-2 6 Total income 766 805-5 383 383 381 370 409 396 421 383 384 Staff costs 178 184-3 85 93 113 90 93 91 96 88 95 Variable staff costs 15 27-44 4 11 9 6 13 14 18 30 1 Expenses for premises 12 16-25 6 6 6 6 9 7 6 6 7 IT expenses 57 54 6 28 29 34 21 27 27 42 21 29 Consultants 4 11-64 1 3 4 4 7 3 5 13 Other expenses 79 88-10 33 46 55 50 43 45 50 40 48 of which internally sold and bought services 19 19 10 9 10 9 10 9 6 7 6 Depreciation/amortisation 24 24 12 12 12 13 12 12 12 12 13 Total expenses 369 404-9 169 200 233 186 201 203 227 202 206 Profit before impairments 397 401-1 214 183 148 184 208 193 194 181 178 Impairment of intangible assets 30 Impairment of tangible assets Credit impairments Operating profit 397 401-1 214 183 118 184 208 193 194 181 178 Tax expense 101 102-1 55 46 29 47 54 48 47 43 40 Profit for the period from continuing operations 296 299-1 159 137 89 137 154 145 147 138 138 Profit for the period from discontinued operations, after tax Profit for the period including non-controlling interest 296 299-1 159 137 89 137 154 145 147 138 138 Profit for the period attributable to: Shareholders of Swedbank AB 296 299-1 159 137 89 137 154 145 147 138 138 Non-controlling interests Statement of comprehensive income Profit for the period reported via income statement 296 299-1 159 137 89 137 154 145 147 138 138 Exchange differences on translating foreign operations: Gains/losses arising during the period -5 5-3 -2-10 3 6-1 -4-10 -5 Reclassification adjustments to income statement, net gains and losses on financial items at fair value Hedging of net investments in foreign operations: Gains/losses arising during the period 4-4 2 2 10-3 -5 1 7 12 7 Cash flow hedges: Gains/losses arising during the period Reclassification adjustments to income statement, net interest income Reclassification adjustments to income statement, net gains and losses on financial items at fair value Reclassification adjustments to initial carrying amount of hedged item Share of other comprehensive income of associates Income tax relating to components of other comprehensive income -7-7 -2-3 -2 Other comprehensive income for the period, net of tax -8 1-8 1 1-1 Total comprehensive income for the period 288 300-4 151 137 89 137 155 145 148 137 138 Total comprehensive income attributable to: Shareholders of Swedbank AB 288 300-4 151 137 89 137 155 145 148 137 138 Non-controlling interests 24

Asset Management YTD YTD % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKbn 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Balance sheet (Incl intra-group transactions) Assets Cash and balances with central banks Loans to credit institutions 2 2 2 2 2 2 2 3 2 2 2 Loans to the public Bonds and other interest-bearing securities Financial assets for which customers bear inv. risk Derivatives Other assets 2 2 2 2 2 2 2 2 2 2 2 Total assets 4 4 4 4 4 4 4 5 4 4 4 Liabilities and equity Amounts owed to credit institutions Deposits and borrowings from the public Debt securities in issue Financial liabilities for which customers bear inv. risk Derivatives Other liabilities 2 2 2 2 2 2 2 3 2 2 2 Subordinated liabilities Allocated equity 2 2 2 2 2 2 2 2 2 2 2 Total liabilities and equity 4 4 4 4 4 4 4 5 4 4 4 Key figures Key performance indicators Return on allocated equity, % 33.8 29.6 36.3 31.2 21.0 32.3 32.2 27.1 27.2 25.6 25.3 Cost/Income ratio 0.48 0.50 0.44 0.52 0.61 0.50 0.49 0.51 0.54 0.53 0.54 Core Tier 1 capital ratio, Basel 2, % 0.9 7.0 0.9 2.8 4.2 5.0 7.0 25.4 Volumes, SEKbn Mutual funds & insurance 463 475-3 463 474 446 421 475 477 484 466 453 Discretionary asset management 275 263 5 275 274 271 256 263 255 252 242 231 Allocated equity, average, SEKm 1 753 2 017-13 1 753 1 754 1 696 1 695 1 914 2 144 2 165 2 159 2 182 Core Tier 1 capital, period end 0.0 0.2-87 0.0 0.1 0.1 0.2 0.2 0.8 Risk-weighted assets, Basel 2 3 3 0 3 3 3 3 3 3 3 3 3 Full-time employees 270 277-3 270 271 286 276 277 282 286 266 263 Assets under management, SEKbn Sweden 447 459-3 447 459 431 406 459 462 469 451 438 Estonia 7 7-3 7 7 6 6 7 7 7 7 7 Latvia 5 5 1 5 5 5 4 5 4 4 4 4 Lithuania 4 4 2 4 4 4 4 4 4 4 4 4 Total fund assets under management 463 475-3 463 474 446 421 475 477 484 466 453 of which interest-bearing securities, % 35.4 32.2 35.4 35.4 36.4 38.6 32.2 31.8 30.7 33.2 35.2 of which Swedish equities, % 26.8 33.2 26.8 27.7 28.9 28.2 33.2 34.0 34.4 33.9 30.8 of which foreign equities, % 37.8 34.6 37.8 37.0 34.7 33.1 34.6 34.2 34.9 32.9 34.0 25

Group Functions & Other YTD YTD Δ % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Net interest income 149-436 150-1 -221-57 -211-225 -110-58 -195 Payment processing -46 4-9 -37-2 37 13-9 19 16 21 Asset management -3-3 -4 1-1 -1-1 -2-1 -3 Life insurance 1 1 1 2 8 10 5 Brokerage -1 2-1 1-1 3-3 Other securities -23-10 -16-7 -12-11 -11 1-6 -4 Lending and guarantees 5 9 6-1 7-3 4 5-10 -10-25 Deposits -1 Corporate finance -1 1-1 -1 Other commissions -4-7 -1-3 -5-4 -2-5 8 9 Net commission income -70-7 -24-46 -14 23 2-9 16 12 5 Net gains and losses on financial items at fair value 4 170 11-7 193 29 374-204 -278 237 370 Net insurance 9 11-18 3 6 4 5 7 4 4 6 6 Share of the profit or loss of associates 1 2 1 Other income 1 055 855 23 554 501 558 428 431 424 390 294 303 Total income 1 147 593 93 694 453 521 430 603-10 22 492 489 Staff costs 1 521 1 545-2 756 765 920 843 769 776 721 790 841 Variable staff costs 48 42 14 19 29 6 24 20 22-2 11-3 Expenses for premises 183 198-8 87 96 90 86 91 107 106 90 108 IT expenses 599 648-8 257 342 418 301 324 324 368 281 323 Consultants 77 191-60 39 38 50 59 111 80 160 122 143 Other expenses -1 304-1 598 18-630 -674-791 -665-872 -726-744 -738-860 of which internally sold and bought services -2 010-2 309 13-967 -1 043-1 188-1 075-1 227-1 082-1 158-1 116-1 157 Depreciation/amortisation 300 294 2 148 152 190 205 146 148 200 148 135 Total expenses 1 424 1 320 8 676 748 883 853 589 731 809 704 687 Profit before impairments -277-727 62 18-295 -362-423 14-741 -787-212 -198 Impairment of intangible assets Impairment of tangible assets 163-8 121 42 149-1 -5-3 334-11 11 Credit impairments 618-658 350 268-277 -120-168 -490-522 -150-127 Operating profit -1 058-61 -453-605 -234-302 187-248 -599-51 -82 Tax expense -174-156 -40-134 -94-103 29-185 -103-100 -28 Profit for the year from continuing operations -884 95-413 -471-140 -199 158-63 -496 49-54 Profit for the year from discontinued operations, after tax 4 Profit for the period including non-controlling interest -884 95-413 -471-136 -199 158-63 -496 49-54 Profit for the period attributable to: Shareholders of Swedbank AB -884 94-413 -471-136 -198 157-63 -495 48-54 Non-controlling interests 1-1 1-1 1 Statement of comprehensive income Profit for the period reported via income statement -884 95-413 -471-136 -199 158-63 -496 49-54 Exchange differences on translating foreign operations: Gains/losses arising during the period -23-78 -27 4-37 106-21 -57 5-288 74 Reclassification adjustments to income statement, net gains and losses on financial items at fair value -1-1 Hedging of net investments in foreign operations: Gains/losses arising during the period 27-48 83-56 14 46-35 -13-5 -1 Cash flow hedges: Gains/losses arising during the period -461-290 -32-429 304 64-26 -264-71 44 337 Reclassification adjustments to income statement, net interest income 121 189 48 73 77 79 88 101 194 209 214 Reclassification adjustments to income statement, net gains and losses on financial items at fair value Reclassification adjustments to initial carrying amount of hedged item Share of other comprehensive income of associates Income tax relating to components of other comprehensive income 88 39-21 109-104 -50-7 46-31 -67-145 Other comprehensive income for the period, net of tax -249-188 51-300 254 245-1 -187 92-102 479 Total comprehensive income for the period -1 133-93 -362-771 118 46 157-250 -404-53 425 Total comprehensive income attributable to: Shareholders of Swedbank AB -1 133-94 -362-771 117 47 156-250 -403-54 425 Non-controlling interests 1 1-1 1-1 1 26

Group Functions & Other YTD YTD Δ % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKbn 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Balance sheet (Incl intra-group transactions) Assets Cash and balances with central banks 121 7 121 161 153 84 7 6 1 2 2 Loans to credit institutions 194 332-42 194 204 207 425 332 318 262 325 404 Loans to the public 16 16 16 17 15 15 16 18 18 22 27 Bonds and other interest-bearing securities 81 89-9 81 82 82 92 89 87 69 45 22 Financial assets for which customers bear inv. risk Derivatives 33 17 94 33 31 36 39 17 14 23 21 25 Other assets 663 663 663 683 653 655 663 633 605 621 697 Total assets 1 108 1 124-1 1 108 1 178 1 146 1 310 1 124 1 076 978 1 036 1 177 Liabilities and equity Amounts owed to credit institutions 245 286-14 245 259 268 382 286 252 284 320 390 Deposits and borrowings from the public 16 26-38 16 55 25 34 26 15 9 10 26 Debt securities in issue 780 758 3 780 779 775 815 758 738 634 657 701 Financial liabilities for which customers bear inv. risk Derivatives 26 20 30 26 25 25 27 20 24 24 18 18 Other liabilities 7 6 17 7 24 17 21 6 15 2 10 23 Subordinated liabilities 17 17 19 1 5 6 4 6 Allocated equity 17 28-39 17 17 36 30 28 27 19 17 13 Total liabilities and equity 1 108 1 124-1 1 108 1 178 1 146 1 310 1 124 1 076 978 1 036 1 177 Key figures Key performance indicators Return on allocated equity, % -8.3 0.7-9.2-8.0-1.6-2.8 2.3-1.1-10.8 1.2-1.8 Cost/Income ratio 1.24 2.23 0.97 1.65 1.69 1.98 0.98-73.10 36.77 1.43 1.40 Core Tier 1 capital ratio, Basel 2, % 36.5 66.6 36.5 29.0 71.3 59.3 66.6 91.8 Credit impairment ratio, % 5.24-8.71 5.26 4.56-0.90-0.45-0.77-12.96-14.01-3.10-2.67 Loan/Deposit ratio, % 110 61 110 28 60 44 61 126 378 260 255 Volumes, SEKbn Loans to the public excluding repos & SNDO 1) 11 15-27 11 13 14 15 15 17 13 13 17 Deposits from the public excluding repos & SNDO 1) 10 20-50 10 48 20 29 20 7 3 5 7 Allocated equity, average, SEKm 21 279 25 464-16 17 990 23 616 33 399 28 253 27 555 23 988 18 416 15 719 11 931 Core Tier 1 capital, period end 13.5 21.5-37 13.5 13.2 27.6 22.5 21.5 21.5 Risk-weighted assets, Basel 2 37 32 16 37 46 39 37 32 23 24 25 28 Commitments 9 9 9 9 9 10 9 9 1 1 2 Full-time employees 5 469 6 100-10 5 469 5 712 5 722 6 031 6 100 6 161 6 231 6 444 6 420 1) Excluding intra-group transactions 27

Group Business Support YTD YTD Δ % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Net interest income -42-39 -8-21 -21-30 -29-21 -18-8 -4-1 Payment processing -47-15 -5-42 -10 28 3-18 11 2 13 Asset management -1-3 2 1 Life insurance Other securities Lending and guarantees 5 4 25 3 2 2 1 2 2 1 2 2 Other commissions -12-15 -6-6 -10-7 -7-8 2 1 Net commission income -55-26 -11-44 -17 22-2 -24 14 5 15 Net gains and losses on financial items at fair value 3 1 2 1 Other income 870 779 12 468 402 436 367 404 375 377 284 335 Total income 776 714 9 437 339 389 360 381 333 384 285 349 Staff costs 928 901 3 454 474 569 442 449 452 432 410 447 Variable staff costs 46 25 84 23 23 7 8 17 8-3 9 1 Expenses for premises 105 101 4 51 54 49 49 52 49 54 48 52 IT expenses 557 598-7 240 317 404 285 301 297 343 258 311 Consultants 21 68-69 11 10 21 20 42 26 37 17 37 Other expenses -1 021-1 257 19-459 -562-634 -527-677 -580-525 -488-592 of which internally sold and bought services -1 296-1 591 19-599 -697-820 -717-854 -737-728 -678-759 Depreciation/amortisation 222 201 10 113 109 131 100 100 101 154 112 107 Total expenses 858 637 35 433 425 547 377 284 353 492 366 363 Profit before impairments -82 77 4-86 -158-17 97-20 -108-81 -14 Impairment of intangible assets Impairment of tangible assets Credit impairments -5 5 Operating profit -82 77 4-86 -158-17 97-20 -103-86 -14 Tax expense -20 17 5-25 -36-12 24-7 -30-25 -26 Profit for the year from continuing operations -62 60-1 -61-122 -5 73-13 -73-61 12 Profit for the year from discontinued operations, after tax Profit for the period including non-controlling interest -62 60-1 -61-122 -5 73-13 -73-61 12 Profit for the period attributable to: Shareholders of Swedbank AB -62 60-1 -61-122 -5 73-13 -73-61 12 Non-controlling interests Balance sheet (Incl intra-group transactions), SEKbn Assets Cash and balances with central banks 1 1 1 Loans to credit institutions Loans to the public -1-1 Bonds and other interest-bearing securities Financial assets for which customers bear inv. risk Derivatives Other assets 2 2 2 1 1 1 2 1 2 2 2 Total assets 2 2 2 2 2 2 2 1 2 1 1 Liabilities and equity Amounts owed to credit institutions 1 1 1 1 1 1 1 1 1 Deposits and borrowings from the public Debt securities in issue Financial liabilities for which customers bear inv. risk Derivatives Other liabilities 1 1 1 2 1 2 1 1 Subordinated liabilities Allocated equity Total liabilities and equity 2 2 2 2 2 2 2 1 2 1 1 Key figures Key performance indicators Return on allocated equity, % -36.0 141.2-0.8-92.8-338.9-13.5 217.9-144.4-530.9-813.3 160.0 Cost/Income ratio 1.11 0.89 0.99 1.25 1.41 1.05 0.75 1.06 1.28 1.28 1.04 Volumes, SEKbn Allocated equity, average, SEKm 344 85 477 263 144 148 134 36 55 30 30 Risk-weighted assets, Basel 2 2 2 2 4 1 1 2 1 Commitments 1 1 1 1 1 1 1 2 Full-time employees 2 973 3 006-1 2 973 3 042 3 042 3 043 3 006 2 940 2 953 2 976 2 945 28

Group Treasury YTD YTD Δ % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Net interest income 18-686 95-77 -313-146 -287-399 -264-212 -306 Payment processing 1 1 1 1-1 1 1 1 2 Asset management 2 2-1 -1-1 Life insurance 1 1 1 1 1 1 1 1 Other securities -20-8 -16-4 -10-10 -8-4 -6 5 Lending and guarantees 1 2-2 5-12 1-5 Other commissions 2 2-4 Net commission income -14-6 -11-3 -3-21 -8 2-3 -6-1 Net gains and losses on financial items at fair value 16 51-69 9 7 128 8 327-276 -200 252 348 Other income 4 7-43 3 1 7 2 4 3 5 10 Total income 24-634 96-72 -181-157 36-670 -462 44 41 Staff costs 42 40 5 20 22 19 21 20 20 15 13 14 Variable staff costs 4 5-20 1 3 3 2 3 2 1 2 Expenses for premises 4 3 33 2 2 1 2 2 1 3 2 1 IT expenses 31 49-37 16 15 17 9 27 22 21 16 8 Consultants 4 13-69 1 3 2 2 7 6 6 3 2 Other expenses 38 49-22 20 18 15 24 23 26 10 7 8 of which internally sold and bought services 29 37-22 17 12 12 17 16 21 7 5 5 Depreciation/amortisation 7 14-50 7 7 7 7 7 7 7 7 Total expenses 130 173-25 60 70 64 67 89 84 63 50 40 Profit before impairments -106-807 -87 36-142 -245-224 -53-754 -525-6 1 Impairment of intangible assets Impairment of tangible assets Credit impairments -1 3-11 Operating profit -106-807 -87 36-142 -245-224 -53-754 -524-9 12 Tax expense -26-196 -87-26 -85-95 -196-226 -184 120 Profit for the year from continuing operations -80-611 -87 36-116 -160-129 -53-558 -298 175-108 Profit for the year from discontinued operations, after tax Profit for the period including non-controlling interest -80-611 -87 36-116 -160-129 -53-558 -298 175-108 Profit for the period attributable to: Shareholders of Swedbank AB -80-611 -87 36-116 -160-129 -53-558 -298 175-108 Non-controlling interests Balance sheet (Incl intra-group transactions), SEKbn Assets Cash and balances with central banks 121 6 121 159 151 82 6 5 Loans to credit institutions 198 339-42 198 209 213 432 339 326 269 333 414 Loans to the public 15 10 50 15 14 11 11 10 10 10 11 13 Bonds and other interest-bearing securities 80 88-9 80 81 81 91 88 86 67 44 21 Financial assets for which customers bear inv. risk Derivatives 33 17 94 33 31 36 39 17 14 23 21 25 Other assets 657 656 0 657 676 649 649 656 630 601 620 694 Total assets 1 104 1 116-1 1 104 1 170 1 141 1 304 1 116 1 071 970 1 029 1 167 Liabilities and equity Amounts owed to credit institutions 244 285-14 244 258 266 382 285 251 281 319 388 Deposits and borrowings from the public 15 24-38 15 53 24 33 24 13 5 5 20 Debt securities in issue 780 758 3 780 779 775 815 758 739 634 657 701 Financial liabilities for which customers bear inv. risk Derivatives 26 20 30 26 25 25 27 20 24 24 18 18 Other liabilities 12 8 50 12 26 21 23 8 19 8 15 28 Subordinated liabilities 17 17 19 1 5 5 4 5 Allocated equity 10 21-52 10 10 30 23 21 20 13 11 7 Total liabilities and equity 1 104 1 116-1 1 104 1 170 1 141 1 304 1 116 1 071 970 1 029 1 167 Key figures Key performance indicators Return on allocated equity, % -1.1-6.2 1.3-2.8-2.4-2.4-1.0-12.0-9.5 6.9-7.3 Cost/Income ratio 5.42-0.27 0.63-0.97-0.35-0.43 2.47-0.13-0.14 1.14 0.98 Loan/Deposit ratio, % 49 114 49 10 17 24 114 Volumes, SEKbn Loans to the public excluding repos & SNDO 1) 4 5 4 4 4 5 5 6 Deposits from the public excluding repos & SNDO 1) 9 18 9 46 18 27 18 5 Allocated equity, average, SEKm 14 132 19 733-28 10 872 16 397 26 603 21 395 21 665 18 545 12 593 10 178 5 940 Risk-weighted assets, Basel 2 16 9 78 16 20 15 14 9 2 2 3 2 Commitments 8 8 8 8 8 9 8 8 Full-time employees 54 63-14 54 60 59 64 63 60 46 41 37 1) Excluding intra-group transactions 29

Russian Banking YTD YTD % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Net interest income 114 163-30 50 64 66 71 70 93 48 30 45 Payment processing 2 2 1 1 1 2 1 1 1 3 2 Asset management -1 Life insurance Brokerage Other securities Lending and guarantees 2 7-71 2 7 5 2 5 2 6 Deposits Corporate finance 1-1 1 Other commissions 1 1 2 1-1 1 1 2 7 Net commission income 5 10-50 2 3 2 10 5 5 7 7 14 Net gains and losses on financial items at fair value -28-4 -1-27 -1-1 -3-108 -2-5 Net insurance Share of the profit or loss of associates Other income 9 4 2 7 5 5 3 1-1 2 2 Total income 100 173-42 53 47 72 86 77 96-54 37 56 Staff costs 40 56-29 19 21 19 20 26 30 30 31 50 Variable staff costs Expenses for premises 14 30-53 7 7 8 6 7 23 12 11 16 IT expenses 7 4 75 4 3 2 3 3 1 4 2 3 Consultants 4 3 33 3 1 3 2 1 2 2 4 2 Other expenses 13 32-59 5 8 6 3 18 14 21 21 22 of which internally sold and bought services Depreciation/amortisation 7 12-42 3 4 4 17 5 7 6 7 6 Total expenses 85 137-38 41 44 42 51 60 77 75 76 99 Profit before impairments 15 36-58 12 3 30 35 17 19-129 -39-43 Impairment of intangible assets Impairment of tangible assets 1 4-75 1 4 3 1-1 -11 9 Credit impairments -41-184 -78 24-65 -269-59 -13-171 -144-83 -29 Operating profit 55 216-75 -12 67 299 90 27 189 16 55-23 Tax expense 12 3-1 13 32 2 3 0 1 2-20 Profit for the year from continuing operations 43 213-80 -11 54 267 88 24 189 15 53-3 Profit for the year from discontinued operations, after tax Profit for the period including non-controlling interest 43 213-80 -11 54 267 88 24 189 15 53-3 Profit for the period attributable to: Shareholders of Swedbank AB 43 213-80 -11 54 267 88 24 189 15 53-3 Non-controlling interests Balance sheet (Incl intra-group transactions), SEKbn Assets Cash and balances with central banks 1 1 1 1 1 1 1 1 1 Loans to credit institutions 2 1 100 2 1 1 1 1 1 2 3 3 Loans to the public 4 5-20 4 5 5 5 5 5 6 7 8 Bonds and other interest-bearing securities Financial assets for which customers bear inv. risk Derivatives Other assets 1 2 Total assets 6 7-14 6 7 7 7 7 7 9 12 14 Liabilities and equity Amounts owed to credit institutions 3 4-25 3 4 3 4 4 4 5 6 7 Deposits and borrowings from the public 1 1 1 1 1 1 1 1 1 3 4 Debt securities in issue Financial liabilities for which customers bear inv. risk Derivatives Other liabilities 1 1 1 1 1 1 1 1 Subordinated liabilities 1 1 1 1 Allocated equity 1 1 1 1 1 1 1 1 2 2 2 Total liabilities and equity 6 7-14 6 7 7 7 7 7 9 12 14 Key figures Key performance indicators Return on allocated equity, % 6.7 36.3-3.6 15.2 96.8 31.7 8.7 63.7 4.0 13.6-0.7 Cost/Income ratio 0.85 0.79 0.77 0.94 0.58 0.59 0.78 0.80-1.39 2.05 1.77 Credit impairment ratio, % -1.41-4.91 1.75-4.41-3.93-0.88-9.14-4.20-3.17-1.13-0.47 Loan/Deposit ratio, % 490 890 490 453 391 842 890 763 578 220 208 Volumes, SEKbn Loans to the public excluding repos & SNDO 1) 4 5-20 4 5 5 5 5 5 6 7 8 Deposits from the public excluding repos & SNDO 1) 1 1 1 1 1 1 1 1 1 3 4 Allocated equity, average, SEKm 1 286 1 173 10 1 218 1 423 1 103 1 112 1 103 1 187 1 475 1 551 1 827 Risk-weighted assets, Basel 2 5 7-29 5 6 6 6 7 7 8 9 11 Commitments 1 1 1 1 1 1 1 Full-time employees 136 245-44 136 160 174 206 245 277 284 393 422 1) Excluding intra-group transactions 30

Ukrainian Banking YTD YTD % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Net interest income 118 154-23 56 62 60 53 59 95 113 113 79 Payment processing 7 17-59 3 4 5 8 9 8 10 10 11 Asset management Life insurance Brokerage Other securities Lending and guarantees 1 2-50 1 1 1 1 1 2 1 Deposits Corporate finance Other commissions 1 2 1 2 2 Net commission income 8 20-60 3 5 6 11 10 10 12 13 13 Net gains and losses on financial items at fair value 5 25-80 2 3 9 13 13 12 12-22 28 Net insurance Share of the profit or loss of associates Other income 13 12 8 7 6 6 8 7 5 13 5 6 Total income 144 211-32 68 76 81 85 89 122 150 109 126 Staff costs 63 81-22 31 32 37 98 39 42 43 42 46 Variable staff costs Expenses for premises 17 18-6 8 9 9 9 9 9 12 12 15 IT expenses 12 8 50 6 6 6 6 4 4 2 2 1 Consultants 5 7-29 3 2 4 4 3 4 4 4 3 Other expenses 25 33-24 12 13 18 21 21 12 32 26 21 of which internally sold and bought services Depreciation/amortisation 6 17-65 3 3 2 47 9 8 23 9 10 Total expenses 128 164-22 63 65 76 185 85 79 116 95 96 Profit before impairments 16 47-66 5 11 5-100 4 43 34 14 30 Impairment of intangible assets Impairment of tangible assets -3 9-3 251 1 Credit impairments 658-475 325 333 9-60 -156-319 -377-75 -110 Operating profit -642 525-320 -322-13 -40 160 365 160 89 139 Tax expense 6 1 3 3 1 1 1 2 Profit for the year from continuing operations -648 524-323 -325-13 -41 159 365 159 87 139 Profit for the year from discontinued operations, after tax Profit for the period including non-controlling interest -648 524-323 -325-13 -41 159 365 159 87 139 Profit for the period attributable to: Shareholders of Swedbank AB -648 524-323 -325-13 -41 159 365 159 87 139 Non-controlling interests Balance sheet (Incl intra-group transactions), SEKbn Assets Cash and balances with central banks 1 1 Loans to credit institutions 2 1 1 1 2 1 1 Loans to the public 3 5-40 3 4 5 5 5 6 7 7 9 Bonds and other interest-bearing securities Financial assets for which customers bear inv. risk Derivatives Other assets 2 3-33 2 2 1 2 3 2 3 3 3 Total assets 5 10-50 5 7 7 8 10 9 11 11 13 Liabilities and equity Amounts owed to credit institutions 2 5-60 2 3 3 3 5 5 6 6 6 Deposits and borrowings from the public 1 1 1 1 1 1 2 2 3 Debt securities in issue Financial liabilities for which customers bear inv. risk Derivatives Other liabilities Subordinated liabilities 1 1 1 1 1 1 1 1 1 1 2 Allocated equity 2 3-33 2 2 2 3 3 2 2 2 2 Total liabilities and equity 5 10-50 5 7 7 8 10 9 11 11 13 Key figures Key performance indicators Return on allocated equity, % -57.0 55.1-57.8-57.8-2.3-6.5 31.5 85.0 29.5 16.2 22.1 Cost/Income ratio 0.89 0.78 0.93 0.86 0.94 2.18 0.96 0.65 0.77 0.87 0.76 Credit impairment ratio, % 27.14-13.26 28.96 28.27-4.05-9.67-17.45-16.95-3.64-4.37-1.15 Loan/Deposit ratio, % 959 329 959 1 105 916 332 329 339 314 314 327 Volumes, SEKbn Loans to the public excluding repos & SNDO 1) 3 5-40 3 4 5 5 5 6 7 6 9 Deposits from the public excluding repos & SNDO 1) 1 1 1 1 1 1 2 2 3 Allocated equity, average, SEKm 2 275 1 901 20 2 234 2 248 2 268 2 518 2 019 1 718 2 156 2 144 2 518 Risk-weighted assets, Basel 2 6 9-33 6 8 9 9 9 9 10 11 12 Commitments 1 1 1 1 1 Full-time employees 672 1 410-52 672 888 1 037 1 322 1 410 1 503 1 554 1 640 1 652 1) Excluding intra-group transactions 31

Ektornet YTD YTD % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Net interest income -54-26 -25-29 -25-11 -13-13 -8-6 -2 Net commission income Net gains and losses on financial items at fair value 1 86-99 -3 4 56 21 24 62 18 9 Net insurance Share of the profit or loss of associates 1 Other income 306 213 44 152 154 166 126 154 59 30 36 28 Total income 253 273-7 124 129 198 136 165 108 40 39 26 Staff costs 77 49 57 42 35 27 26 29 20 20 21 28 Variable staff costs 2 1 1 4 Expenses for premises 3 2 50 1 2 2 1 2 8 2 IT expenses 2 1 100 1 1 1 1 Consultants 12 13-8 6 6 11 9 4 9 14 11 10 Other expenses 175 83 86 89 102 97 41 42 26 27 30 of which internally sold and bought services Depreciation/amortisation 53 48 10 25 28 42 32 25 23 7 12 4 Total expenses 324 196 65 162 162 188 166 100 96 75 73 72 Profit before impairments -71 77-38 -33 10-30 65 12-35 -34-46 Impairment of intangible assets Impairment of tangible assets 162-8 121 41 140-6 -7-1 83 2 Credit impairments Operating profit -233 85-159 -74-130 -24 72 13-118 -36-46 Tax expense -27 58-22 -5-3 -3 37 21-16 -3-6 Profit for the year from continuing operations -206 27-137 -69-127 -21 35-8 -102-33 -40 Profit for the year from discontinued operations, after tax 4 Profit for the period including non-controlling interest -206 27-137 -69-123 -21 35-8 -102-33 -40 Profit for the period attributable to: Shareholders of Swedbank AB -206 27-137 -69-124 -21 35-8 -102-33 -40 Non-controlling interests 1 32

Ektornet YTD YTD % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKbn 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Balance sheet (Incl intra-group transactions) Assets Cash and balances with central banks Loans to credit institutions 1 1 1 1 1 1 1 1 1 1 1 Loans to the public Bonds and other interest-bearing securities Financial assets for which customers bear inv. risk Derivatives Other assets 6 5 20 6 6 6 6 5 4 4 2 1 Total assets 7 6 17 7 7 7 7 6 5 5 3 2 Liabilities and equity Amounts owed to credit institutions 5 4 25 5 5 5 5 4 3 3 2 1 Deposits and borrowings from the public Debt securities in issue Financial liabilities for which customers bear inv. risk Derivatives Other liabilities Subordinated liabilities Allocated equity 2 2 2 2 2 2 2 2 2 1 1 Total liabilities and equity 7 6 17 7 7 7 7 6 5 5 3 2 Key figures Key performance indicators Return on allocated equity, % -18.4 3.3-25.0-12.1-21.7-4.0 8.3-2.0-33.8-14.8-23.6 Cost/Income ratio 1.28 0.72 1.31 1.26 0.95 1.22 0.61 0.89 1.88 1.87 2.77 Volumes, SEKbn Allocated equity, average, SEKm 2 240 1 628 38 2 193 2 281 2 282 2 104 1 684 1 564 1 208 893 679 Risk-weighted assets, Basel 2 7 5 40 7 7 7 6 5 4 4 2 2 Full-time employees 508 197 508 397 216 206 197 175 150 141 123 33

00B 0B Ektornet Geographical split of carrying amounts, land and buildings taken over for protection of claims Carrying amount per country 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKm 2012 2012 2011 2011 2011 2011 2010 2010 2010 Sweden 364 308 305 290 271 268 270 273 239 Norway 89 102 114 117 116 116 165 176 Finland 322 374 709 751 756 751 765 Estonia 576 557 569 606 561 498 469 347 293 Latvia 1 845 1 903 1 721 1 519 1 373 1 083 851 227 121 Lithuania 664 675 448 343 252 223 206 104 41 USA 1 419 1 361 1 415 1 514 482 113 122 121 140 Ukraine 385 397 443 373 228 201 73 Total 5 575 5 664 5 712 5 510 4 040 3 253 2 872 1 237 1 010 Classification of land and buildings taken over for protection of claims Carrying amounts Land & buildings IAS 40 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKm 2012 2012 2011 2011 2011 2011 2010 2010 2010 Residential properties 471 429 443 454 328 93 70 17 24 Commercial properties (Office) 761 804 1 143 1 134 1 050 1 217 988 134 130 Commercial properties (Retail) 717 689 481 431 472 217 450 292 277 Industrial properties 164 195 205 200 163 122 118 6 5 Hotel and conference facilities 580 1 103 1 127 1 224 344 97 94 72 78 Land 53 54 4 112 55 169 58 151 176 Other properties 1 2 2 2 2 1 1 3 1 Land & buildings IAS 40, total 2 747 3 276 3 405 3 557 2 414 1 916 1 779 675 691 Land & buildings IAS 2 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKm 2012 2012 2011 2011 2011 2011 2010 2010 2010 Residential properties 1 388 1 502 1 502 1 436 1 182 965 719 333 167 Commercial properties (Office) 65 64 52 29 23 20 13 15 3 Commercial properties (Retail) 34 27 15 22 12 7 6 26 11 Industrial properties 56 58 52 45 41 39 32 16 6 Hotel and conference facilities 519 5 4 7 8 7 1 Land 703 671 656 375 322 264 299 165 130 Other properties 63 61 26 39 38 35 23 7 2 Land & buildings IAS 2, total 2 828 2 388 2 307 1 953 1 626 1 337 1 093 562 319 Total Land & buildings for protection of claims 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKm 2012 2012 2011 2011 2011 2011 2010 2010 2010 Residential properties 1 859 1 931 1 945 1 890 1 510 1 058 789 350 191 Commercial properties (Office) 826 868 1 195 1 163 1 073 1 237 1 001 149 133 Commercial properties (Retail) 751 716 496 453 484 224 456 318 288 Industrial properties 220 253 257 245 204 161 150 22 11 Hotel and conference facilities 1 099 1 108 1 131 1 231 352 104 95 72 78 Land 756 725 660 487 377 433 357 316 306 Other properties 64 63 28 41 40 36 24 10 3 Total 5 575 5 664 5 712 5 510 4 040 3 253 2 872 1 237 1 010 34

Other Group Functions YTD YTD Δ % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Net interest income -5-2 -5 21 5-19 17 9 21-10 Payment processing -9-9 1-2 1-1 -4-7 Asset management -4-3 33-1 -3-2 -1-2 -2 1 Life insurance -1 1-1 7 10 4 Brokerage -1 2-1 1-1 3-3 Other securities -3-2 50-3 -2-1 -3 1-2 2-5 Lending and guarantees -3-5 -40 1-4 -1-5 -18-15 -28 Deposits -1 Corporate finance -1 1-1 -1-1 Other commissions 5 7-29 2 3 3 6 1 5-5 4 Net commission income -14-5 -7-7 -2 1-3 -2-14 -7-36 Net gains and losses on financial items at fair value 7 12-42 3 4 1-13 11 1-1 -1 Net insurance 9 11-18 3 6 4 5 7 4 4 6 6 Share of the profit or loss of associates 2 1 Other income -147-160 -8-78 -69-62 -80-141 -19-34 -43-68 Total income -150-144 4-84 -66-38 -80-145 1-36 -22-109 Staff costs 371 418-11 190 181 249 236 206 212 181 273 256 Variable staff costs -4 12-6 2-8 14 12-4 Expenses for premises 40 44-9 18 22 21 19 21 23 17 15 24 IT expenses -10-12 -17-10 -11-3 -12-2 3 Consultants 31 87-64 15 16 9 22 54 33 97 83 89 Other expenses -534-538 1-294 -240-298 -283-298 -240-308 -331-349 of which internally sold and bought services -743-755 2-385 -358-380 -375-389 -366-437 -443-403 Depreciation/amortisation 5 2 4 1 4 2 2 3 1 1 Total expenses -101 13-83 -18-34 7-29 42-12 44 17 Profit before impairments -49-157 -69-1 -48-4 -87-116 -41-24 -66-126 Impairment of intangible assets Impairment of tangible assets -1 1-1 1-2 1 Credit impairments 1 1 1-17 -1 1 5 23 Operating profit -50-157 -68-2 -48 13-87 -116-41 -30-64 -150 Tax expense -119-39 -25-94 -2 4-36 -3 167 108-96 Profit for the period from continuing operations 69-118 23 46 15-91 -80-38 -197-172 -54 Profit for the period from discontinued operations, after tax Profit for the period including non-controlling interest 69-118 23 46 15-91 -80-38 -197-172 -54 Profit for the period attributable to: Shareholders of Swedbank AB 69-119 23 46 16-90 -81-38 -196-173 -54 Non-controlling interests 1-1 -1 1-1 1 Balance sheet (Incl intra-group transactions), SEKbn Assets Cash and balances with central banks Loans to credit institutions -7-11 36-7 -8-9 -10-11 -11-11 -12-14 Loans to the public -6-4 -50-6 -6-6 -6-4 -3-5 -2-2 Bonds and other interest-bearing securities 1 1 1 1 1 1 1 1 2 1 1 Financial assets for which customers bear inv. risk Derivatives Other assets -4-3 -33-4 -2-4 -3-3 -4-5 -7-5 Total assets -16-17 6-16 -15-18 -18-17 -17-19 -20-20 Liabilities and equity Amounts owed to credit institutions -10-13 23-10 -11-10 -12-13 -12-12 -14-13 Deposits and borrowings from the public -1-1 1-1 Debt securities in issue -1 Financial liabilities for which customers bear inv. risk Derivatives Other liabilities -7-4 -75-7 -5-6 -5-4 -5-7 -5-5 Subordinated liabilities -1-1 -1-1 -2-1 -1-1 -1-2 -2 Allocated equity 2 1 100 2 2 1 1 1 2 1 1 Total liabilities and equity -16-17 6-16 -15-18 -18-17 -17-19 -20-20 Key figures Key performance indicators Return on allocated equity, % 13.8-25.2 9.2 18.3 6.4-36.9-34.1-16.2-84.3-74.9-23.1 Cost/Income ratio 0.67-0.09 0.99 0.27 0.89-0.09 0.20 42.00 0.33-2.00-0.16 Credit impairment ratio, % Loan/Deposit ratio, % Volumes, SEKbn Allocated equity, average, SEKm 1 002 944 6 996 1 004 999 976 950 938 929 923 937 Risk-weighted assets, Basel 2 1 1 1 1 1 1 Commitments -1-1 -1-1 -1-1 -1-2 Full-time employees 1 126 1 179-4 1 126 1 165 1 194 1 190 1 179 1 206 1 244 1 253 1 241 1) Excluding intra-group transactions 35

Swedbank Insurance 1) YTD YTD % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Insurance premiums, net 604 349 73 338 266 168 151 188 161 148 139 160 Income investment contracts Own fees 234 261-10 117 117 130 128 130 130 120 108 113 Commissions from fund companies 326 179 82 163 163 152 327 90 89 174 167 169 Income investment contracts, total 560 440 27 280 280 282 455 220 220 294 275 282 Net investment income 41 27 52 20 21 22 21 17 10 2-1 4 Other operating income 22 24-10 10 12 10 12 14 10 29 16 17 Total income, gross 1 227 840 46 648 579 482 639 439 401 473 429 463 Claims paid, net -438-189 -251-187 -118-120 -93-97 -74-82 -83 Change in provisions for claims oustanding, net -6-33 -82-6 -10-15 -21-12 -11 7 15 Commissions to distributors -333-222 50-168 -165-166 -346-111 -112-187 -173-191 Total income, net 450 395 14 223 227 189 158 214 181 201 181 204 Staff costs 59 64-8 27 32 49 32 32 32 33 27 25 Variable staff costs 1 1 1 1 1 Expenses for premises 10 10 5 5 4 5 5 5 4 5 4 IT expenses 45 54-17 22 23 33 26 25 29 20 15 25 Consultants 17 5 10 7 4 2 11 Other expenses 31 42-26 16 15 26 14 20 22 25 17 33 Depreciation/amortisation 9 9 0 5 4 5 4 4 5 38 8 3 Total expenses 155 197-21 75 80 117 87 97 100 124 74 101 Profit before impairments 295 198 49 148 147 72 71 117 81 77 107 103 Impairment of intangible assets Impairment of tangible assets Credit impairments Operating profit 295 198 49 148 147 72 71 117 81 77 107 103 Tax expense 48-37 25 23 6 8-61 24-3 30 89 Profit for the year from continuing operations 247 235 5 123 124 66 63 178 57 80 77 14 Profit for the year from discontinued operations, after tax Profit for the period including non-controlling interest 247 235 5 123 124 66 63 178 57 80 77 14 Profit for the period attributable to: Shareholders of Swedbank AB 247 235 5 123 124 66 63 178 57 80 77 14 Non-controlling interests Key performance indicators Return on allocated equity, % 15.8 17.2 15.5 16.2 8.9 8.7 25.6 8.5 13.0 13.2 2.4 Allocated equity, average SEKm 3 120 2 729 14 3 181 3 060 2 968 2 905 2 777 2 678 2 467 2 333 2 293 Cost/Income ratio 0.34 0.50 0.34 0.35 0.62 0.55 0.45 0.55 0.62 0.41 0.50 Asset under management, SEKbn 100 103-3 100 103 95 91 103 101 99 93 89 Full-time employees 138 144-4 138 145 147 147 144 142 131 127 118 1) Group Business Support is responsible for coordinating the Swedish life insurance business. Expenses and full-time employees are reported in Group Business Support. Income, assets under management are reported in Retail. Market-based transfer prices are charged Retail from Group Business Support. 36

Eliminations YTD YTD Δ % Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2011 Y/Y 2012 2012 2011 2011 2011 2011 2010 2010 2010 Income statement Net interest income -2-4 -50-1 -1-8 -1 8-12 -16-18 -22 Payment processing 32 26 23 16 16 17 14 14 12 17 12 12 Asset management -22-12 83-11 -11-11 -20-6 -6-32 1-4 Life insurance -3-9 -67-3 8-5 -4 Brokerage Other securities 19 17 12 10 9 9 9 9 8 29 1 1 Lending and guarantees 5 6-17 3 2 4 7 4 2 16-1 35 Deposits Corporate finance Other commissions -1-3 -67 1-2 -2-2 -2-1 -15 6-12 Net commission income 30 25 20 19 11 17 16 14 11 15 19 32 Net gains and losses on financial items at fair value Net insurance -4-4 -1-1 Share of the profit or loss of associates Other income -481-364 -32-265 -216-214 -161-139 -225-198 -130-144 Total income -457-343 -33-247 -210-205 -147-117 -226-200 -129-134 Staff costs -9-1 -10 2 Variable staff costs Expenses for premises -1-1 -1-1 -4-1 -2-1 -1 IT expenses -394-476 17-183 -211-251 -236-235 -241-257 -186-222 Consultants -1-1 -3 3 Other expenses -62 134-64 2 57 95 119 15 72 53 89 of which internally sold and bought services -15 186-64 49 91 112 144 42 114 71 92 Depreciation/amortisation Total expenses -457-343 -33-247 -210-205 -147-117 -226-200 -129-134 Profit before impairments Impairment of intangible assets Impairment of tangible assets Credit impairments Operating profit Tax expense Profit for the year from continuing operations Profit for the year from discontinued operations, after tax Profit for the period including non-controlling interest Profit for the period attributable to: Shareholders of Swedbank AB Non-controlling interests Balance sheet (Incl intra-group transactions), SEKbn Assets Cash and balances with central banks Loans to credit institutions -400-472 15-400 -427-441 -573-472 -460-506 -633-812 Loans to the public -1-1 -1-1 -1-1 -1-1 -5-8 -11 Bonds and other interest-bearing securities -10-13 23-10 -10-9 -12-13 -15-27 -34-19 Financial assets for which customers bear inv. risk Derivatives -48-25 -92-48 -47-54 -47-25 -30-30 -28-32 Other assets -656-648 -1-656 -670-647 -644-648 -628-604 -615-695 Total assets -1 115-1 159 4-1 115-1 155-1 152-1 277-1 159-1 134-1 172-1 318-1 569 Liabilities and equity Amounts owed to credit institutions -395-474 17-395 -421-436 -569-474 -455-496 -635-748 Deposits and borrowings from the public -6-7 14-6 -8-5 -5-7 -8-8 -4-3 Debt securities in issue -14-21 33-14 -13-13 -15-21 -18-32 -34-63 Financial liabilities for which customers bear inv. risk Derivatives -48-25 -92-48 -48-55 -47-25 -30-30 -26-32 Other liabilities -652-632 -3-652 -665-643 -641-632 -617-601 -615-719 Subordinated liabilities -6-5 -4-4 Allocated equity Total liabilities and equity -1 115-1 159 4-1 115-1 155-1 152-1 277-1 159-1 134-1 172-1 318-1 569 Key figures Volumes, SEKbn Mutual funds & insurance -267-298 10-267 -272-258 -252-298 -300-307 -297-288 Index linked bonds -15-15 -15-15 -15-15 -15-15 -16-18 -18 37

11B 1B Loans Loans by sector, Group 30 Jun SEKbn % 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKbn 2012 Q/Q Y/Y 2012 2011 2011 2011 2011 2010 2010 2010 Private customers 1), 5) 749 9 2 740 737 736 733 728 728 717 716 Private mortgage 633 3 2 630 629 627 622 618 616 609 606 Housing cooperatives 5) 80 7 11 73 71 71 72 71 72 66 67 Private other 36-1 -7 37 37 38 39 39 40 42 43 Corporate customers 1), 5) 430 1 4 429 429 421 414 413 418 432 443 Agriculture, forestry, fishing 64 1 6 63 62 62 61 60 59 59 58 Manufacturing 45 4 49 41 30 30 30 29 29 29 33 Public sector and utilities 18 0 25 18 15 15 14 16 16 16 15 Construction 15-2 21 17 13 13 13 13 13 14 14 Retail 29-0 20 29 24 23 24 24 23 24 25 Transportation 15 1 22 14 12 12 12 12 13 13 15 Shipping 24 3 41 21 23 21 17 15 16 16 16 Hotels and restaurants 7 1-3 6 6 7 7 7 7 7 7 Information and communication 2 0-1 2 2 3 2 2 2 1 1 Finance and insurance 19 0 18 19 17 16 16 17 11 16 17 Property management 157 3 13 154 145 141 139 144 148 155 156 Professional services 11-1 -65 12 30 31 32 27 28 34 35 Other corporate lending 24-9 -48 33 50 47 47 47 53 48 51 Loans to the public 2) 1 179 10 3 1 169 1 166 1 157 1 147 1 141 1 146 1 149 1 159 Credit institutions 2) 73 7-50 66 68 168 146 127 126 138 142 Repurchase agreements 71-5 -16 76 75 62 84 105 82 134 142 of which to the public 43 7 36 29 20 19 28 22 38 57 of which to credit institutions 3) 28-12 -57 40 46 42 65 77 60 96 85 Loans 1 323 12-4 1 311 1 309 1 387 1 377 1 373 1 354 1 421 1 443 Specification of loans to the public excluding Swedish National Debt Office and repurchase agreements By business area 30 Jun SEKbn % 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKbn (excl intra-group transactions) 2012 Q/Q Y/Y 2012 2011 2011 2011 2011 2010 2010 2010 Swedbank Mortgage - private 5) 639 13 4 626 622 617 612 608 606 590 583 Swedbank Mortgage - corporate 5) 90-4 -0 94 92 91 91 90 89 87 87 Other - private 5) 44-3 5 47 44 42 43 43 44 46 47 Other - corporate 5) 113-0 -1 113 116 115 113 114 109 117 116 Leasing and Factoring 28 1 3 27 25 27 27 27 27 27 27 Retail 914 7 3 907 899 892 886 882 875 867 860 Swedbank Mortgage - corporate 2 22 2 3 3 2 3 2 10 11 Other - corporate 132 6 15 126 126 117 114 109 121 119 121 Leasing and Factoring 5-4 5 5 5 5 4 5 4 5 Large Corporates & Institutions 4) 139 6 15 133 134 125 121 116 128 133 137 Bank loans - private 5) 5-1 -23 6 6 6 6 5 5 5 7 Bank loans - corporate 5) 49-10 49 51 55 55 60 62 64 68 Mortgage loans - private 53-1 -8 54 55 58 58 57 58 60 63 Leasing and Factoring 13-14 13 14 14 15 15 16 18 20 Other -5 1-41 -6-7 -8-9 -11-11 -11-13 Baltic Banking 115-1 -8 116 119 125 125 126 130 136 145 Russia 4-1 -22 5 5 5 5 5 6 7 8 Ukraine 3-1 -42 4 5 5 5 6 7 6 9 Other 4) 4-14 4 4 5 5 6 Group Functions & Other 11-2 -26 13 14 15 15 17 13 13 17 Loans to the public 2) 1 179 10 3 1 169 1 166 1 157 1 147 1 141 1 146 1 149 1 159 Specification of loans to the public excluding Swedish National Debt Office and repurchase agreements By country 30 Jun SEKbn % 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKbn (excl intra-group transactions) 2012 Q/Q Y/Y 2012 2011 2011 2011 2011 2010 2010 2010 Sweden 1 021 11 4 1 010 1 000 989 978 971 969 961 955 Estonia 52-5 52 53 55 55 56 58 60 64 Latvia 31-11 31 32 35 35 36 37 39 43 Lithuania 33-6 33 34 35 35 34 35 37 39 Norway 23 2 21 21 24 20 19 17 18 20 20 USA 5-17 5 5 5 6 7 8 9 11 Finland 6 6 6 6 6 6 5 5 5 Russia 4-1 -20 5 5 5 5 5 6 7 8 Ukraine 3-1 -40 4 5 5 5 6 7 7 9 Denmark 1 1 1 1 1 2 2 3 3 Other -1-100 1 1 1 1 1 1 1 2 Loans to the public 2) 1 179 10 3 1 169 1 166 1 157 1 147 1 141 1 146 1 149 1 159 1) 2012: Industry composition of private and corporate portfolio have changed with improved quality codes. No historical data have been changed. 2) Excluding Swedish National Debt Office and repurchase agreements. 3) Including Swedish National Debt Office. 4) From 1 January 2011 consolidated money market operations loans are reported in Group Treasury. 5) In Q2 2012 classification of housing cooperatives was changed from corporate customers to private customers and historical data have been changed. 38

Amounts owed to credit institutions and deposits Amounts owed to credit institutions 30 Jun SEKbn % 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKbn 2012 Q/Q Y/Y 2012 2011 2011 2011 2011 2010 2010 2010 Central banks 1-1 -82 2 4 2 3 35 89 Banks 109 4 4 105 110 108 104 95 113 110 89 Other credit institutions 3-1 -19 4 4 3 4 4 4 6 40 Repurchase agreements, banks 8-3 -31 11 17 8 12 13 14 18 19 Repurchase agreements, other credit institutions 8 18 8 5 8 7 7 6 7 7 Amounts owed to credit institutions 129-1 -1 130 140 129 130 119 137 176 244 Deposits from the public 30 Jun SEKbn % 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKbn (excl intra-group transactions) 2012 Q/Q Y/Y 2012 2011 2011 2011 2011 2010 2010 2010 Retail 370 8 5 362 368 356 351 342 348 335 323 of which on demand deposits 124 7-2 117 123 124 126 122 132 130 124 of which savings account 246 1 9 245 245 232 225 220 216 205 199 of which private 267 7 4 260 263 258 256 248 251 242 237 of which corporate 103 1 9 102 105 98 95 94 97 93 86 Large Corporates & Institutions 2) 65-9 21 74 62 59 53 64 73 61 79 of which on demand deposits 62-8 28 70 56 54 48 58 65 53 72 of which savings account 3-1 -35 4 6 5 5 6 8 8 7 Baltic Banking 100 4 6 96 97 99 95 89 93 91 96 of which on demand deposits 62 4 8 58 58 59 58 54 55 50 53 of which savings account 38 2 38 39 40 37 35 38 41 43 of which private 57 2 6 55 55 56 54 51 52 50 54 of which corporate 43 2 6 41 42 43 41 38 41 41 42 Group Functions & Other 10-38 -50 48 20 29 20 7 3 5 7 of which Russia 1-74 1 1 1 1 1 1 3 4 of which Ukraine -1-88 1 1 1 1 1 2 2 3 of which other 2) 9-37 -36 46 18 27 18 5 Deposits from the public 1) 545-35 5 580 547 543 519 502 517 492 505 Repurchase agreements, Swedish National Debt Office -2-100 2 12 3 3 5 8 8 4 Repurchase agreements from the public 15-6 113 21 2 9 7 17 9 24 20 Total deposits and borrowings from the public 560-43 6 603 561 555 529 524 534 524 529 1) Excluding Swedish National Debt Office and repurchase agreements 2) From 1 January 2011 consolidated money market operations deposits are reported in Group Treasury 39

Derivatives and Deferred Tax Assets Derivatives Group SEKm Derivatives in hedge accounting Fair value hedge Interest-rate-related < 1 year > 1 year < 5 years > 5 years Swaps 59 526 287 814 43 723 391 063 380 252 17 266 17 569 19 1 Currency-related Swaps 6 615 1 603 350 8 568 18 849 1 068 1 457 1 Total 66 141 289 417 44 073 399 631 399 101 18 334 19 026 19 2 Cash flow hedge Interest-rate-related Swaps 1 904 142 2 046 5 683 65 136 Currency-related Swaps 10 452 13 055 9 364 32 871 32 871 4 658 3 813 Total 12 356 13 197 9 364 34 917 38 554 4 723 3 949 Net investment in foreign operations Interest-rate-related Swaps Currency-related 30 Jun 2012 31 Dec 2011 Swaps 1 864 1 864 107 Total 1 864 1 864 107 Other derivatives Interest-rate-related Options 586 383 114 214 83 011 783 608 752 285 2 098 1 468 1 806 1 814 Forward contracts 6 190 769 1 867 655 8 058 424 7 767 249 4 865 6 776 4 914 6 993 Swaps 712 913 1 558 417 519 454 2 790 784 2 287 036 49 581 49 747 53 282 53 040 Other 154 443 920 1 517 1 383 34 20 1 1 Currency-related Options 46 878 722 104 47 704 31 392 438 302 399 307 Forward contracts 1 318 858 12 207 1 331 065 1 226 505 12 883 16 516 15 626 16 997 Swaps 90 869 198 942 57 567 347 378 301 748 10 474 11 340 10 902 9 609 Other 936 242 1 178 2 629 20 75 20 27 Equity-related Nominal value 30 Jun 2012 remaining contractual term to maturity Nominal amount Positive fair value Negative fair value Options 28 789 13 636 4 517 46 942 273 031 1 475 1 462 880 864 Forward contracts 341 341 460 29 3 3 23 Swaps 2 612 2 784 5 396 6 880 231 273 107 140 Other 1 642 7 1 649 1 589 43 30 39 30 Total 8 981 144 3 769 269 665 573 13 415 986 12 652 187 82 171 88 012 87 979 89 845 Total derivatives before netting 9 061 505 4 071 883 719 010 13 852 606 13 089 842 100 612 107 038 92 721 93 796 Netting agreements -2 542-3 312-2 542-3 312 Total derivatives after netting 9 061 505 4 071 883 719 010 13 852 398 13 089 842 98 070 103 726 90 179 90 484 of which cleared 3 450 682 730 743 4 181 425 3 038 232 2 707 3 587 3 078 3 838 30 Jun 2012 31 Dec 2011 30 Jun 2012 31 Dec 2011 Maturity distribution regarding future hedged cash flows in cash flow hedge accounting SEKm < 1 year 1-3 years 3-5 years 5-10 years > 10 years Positive cash flows (assets) Negative cash flows (liabilities) 9 516 807 11 931 2 464 8 207 Cash flows, net -9 516-807 -11 931-2 464-8 207 Deferred tax assets 30 Jun SEKbn % 31 Mar 31 Dec 30 Sep 30 Jun SEKm 2012 Q/Q Y/Y 2012 2011 2011 2011 Tax loss carry-forwards 1 392-5 -15 1 397 1 556 1 529 1 629 Other items 161-30 -20 191 112 203 200 Non-recognised deferred tax assets -783-15 -3-768 -796-811 -806 Deferred tax assets 770-50 -25 820 872 921 1 023 40

00B 0B Credit risks EAD 30 Jun 2012 SEKm Risk grades PD Retail IRB methodology Large Corporates & Institutions Baltic Banking Asset Management Group Functions & Other Default Default 100.0 3 230 1 735 10 409 15 374 High risk 0-5 > 5.7 17 202 643 13 680 6 31 531 Augmented risk 6-8 2.0-5.7 50 179 2 842 33 149 311 86 481 Normal risk 9-12 0.5-2.0 143 192 28 686 35 701 90 207 669 Low risk 13-21 <0.5 762 083 212 592 25 499 77 151 1 077 325 Total rated exposures 975 886 246 498 118 438 77 558 1 418 380 Total non-rated exposures 5 098 3 524 6 142 8 839 23 603 Total IRB methodology 980 984 250 022 124 580 86 397 1 441 983 of which companies not included in Swedbank Group 67 572 67 572 Standardised methodology Total standardised methodology 42 172 30 476 16 826 1 587 140 385 231 446 of which companies not included in Swedbank Group 11 926 11 926 Total IRB- and standardised methodology 1 023 156 280 498 141 406 1 587 226 782 1 673 429 of which companies not included in Swedbank Group 79 498 The tables distribute credit risks by Exposure at Default (EAD). EAD includes items on and off the balance sheet, e.g. guarantees, loans and derivatives. The amounts also include EAD from institutions in the Swedbank Financial Companies Group, but not in the Group, i.e. associates that are not fully consolidated. Insurance companies are not included in the Swedbank Financial Companies Group. EAD distribution 30 Jun 2012 % Risk grades PD Retail IRB methodology Large Corporates & Institutions Baltic Banking Asset Management Group Functions & Other Default Default 100.0 0.2 0.1 0.6 0.0 0.0 0.9 High risk 0-5 > 5.7 1.0 0.0 0.9 0.0 0.0 1.9 Augmented risk 6-8 2.0-5.7 3.0 0.2 2.0 0.0 0.0 5.2 Normal risk 9-12 0.5-2.0 8.6 1.7 2.1 0.0 0.0 12.4 Low risk 13-21 <0.5 45.5 12.7 1.5 0.0 4.7 64.4 Total rated exposures 58.3 14.7 7.1 0.0 4.7 84.8 Total non-rated exposures 0.3 0.2 0.4 0.0 0.5 1.4 Total IRB methodology 58.6 14.9 7.5 0.0 5.2 86.2 of which companies not included in Swedbank Group 4.0 0.0 0.0 0.0 0.0 4.0 Standardised methodology Total standardised methodology 2.5 1.8 1.0 0.1 8.4 13.8 of which companies not included in Swedbank Group 0.7 0.0 0.0 0.0 0.0 0.7 Total IRB- and standardised methodology 61.1 16.7 8.5 0.1 13.6 100.0 of which companies not included in Swedbank Group 0.0 0.0 0.0 0.0 0.0 4.8 Total Total 41

00B 0B Credit risks EAD 30 Jun 2012 SEKm Risk grades PD Retail Corporates Institutions Other Total IRB methodology Default Default 100.0 7 700 7 599 75 15 374 High risk 0-5 > 5.7 19 893 11 447 191 31 531 Augmented risk 6-8 2.0-5.7 36 118 49 649 714 86 481 Normal risk 9-12 0.5-2.0 99 369 106 495 1 805 207 669 Low risk 13-21 <0.5 706 106 244 080 127 139 1 077 325 Total rated exposures 869 186 419 270 129 924 1 418 380 Total non-rated exposures 4 964 18 639 23 603 Total IRB methodology 869 186 424 234 129 924 18 639 1 441 983 of which companies not included in Swedbank Group 67 572 Standardised methodology Central and local government 193 599 Retail 11 817 Institutions 2 996 Corporates 6 253 Exposure secured on residential property 4 451 Other exposure classes 12 330 Total standardised methodology 231 446 of which companies not included in Swedbank Group 11 926 Total IRB- and standardised methodology 1 673 429 of which companies not included in Swedbank Group 79 498 EAD distribution 30 Jun 2012 % Risk grades PD Retail Corporates Institutions Other Total IRB methodology Default Default 100.0 0.4 0.5 0.0 0.0 0.9 High risk 0-5 > 5.7 1.2 0.7 0.0 0.0 1.9 Augmented risk 6-8 2.0-5.7 2.2 3.0 0.0 0.0 5.2 Normal risk 9-12 0.5-2.0 5.9 6.4 0.1 0.0 12.4 Low risk 13-21 <0.5 42.2 14.5 7.7 0.0 64.4 Total rated exposures 51.9 25.1 7.8 84.8 Total non-rated exposures 0.0 0.3 0.0 1.1 1.4 Total IRB methodology 51.9 25.4 7.8 1.1 86.2 of which companies not included in Swedbank Group 0.0 0.0 0.0 0.0 4.0 Standardised methodology Central and local government 11.5 Retail 0.7 Institutions 0.2 Corporates 0.4 Exposure secured on residential property 0.3 Other exposure classes 0.7 Total standardised methodology 13.8 of which companies not included in Swedbank Group 0.7 Total IRB- and standardised methodology 100.0 of which companies not included in Swedbank Group 4.8 42

00B 0B Asset quality Loans by collateral 1) 30 Jun 2012 (31 Dec 2011) Unsecured 9% (9) Chattel mortgages 1% (1) Other properties 13% (13) Personal guarantee 2% (2) Municipalities and county councils 2% (2) Other collateral 9% (9) 1) Excluding Swedish Nat'l Debt Office and repurchase agreements Residential properties incl. condominiums 64% (64) Credit risks, Group Carrying Provisions Portfolio Carrying Carrying Past due loans Sector/industry amount for individually provisions amount of amount more than 60 30 Jun 2012 before assessed loans after of impaired days that are SEKm provisions impaired loans provisions loans not impaired Private customers 753 472 3 609 475 749 388 4 191 603 Private mortgage 635 978 2 472 252 633 254 3 584 590 Housing cooperatives 79 966 17 77 79 872 22 Private other 37 528 1 120 146 36 262 585 13 Corporate customers 438 441 7 281 1 561 429 599 5 251 405 Agriculture, forestry, fishing 64 590 270 57 64 263 248 63 Manufacturing 46 191 1 471 233 44 487 998 92 Public sector and utilities 18 209 27 38 18 144 74 20 Construction 16 083 668 111 15 304 372 Retail 30 060 1 206 142 28 712 578 8 Transportation 14 635 138 65 14 432 177 4 Shipping and offshore 23 797 286 40 23 471 193 Hotels and restaurants 6 674 82 44 6 548 113 3 Information and communication 2 316 40 18 2 258 43 Finance and insurance 19 418 74 21 19 323 32 Property management 159 613 2 055 557 157 001 1 697 158 Residential properties 46 663 892 126 45 645 631 Commercial 76 381 384 281 75 716 468 Industrial and Warehouse 25 242 247 79 24 916 191 Other 11 327 532 71 10 724 407 Professional services 11 778 324 113 11 341 376 32 Other corporate lending 25 077 640 122 24 315 350 25 Loans to the public excluding the Swedish National Debt Office and repurchase agreements 1 191 913 10 890 2 036 1 178 987 9 442 1 008 Credit institutions 2) 72 466 61 4 72 401 1 Repos, credit institutions 28 165 28 165 Repos, public 2) 43 024 43 024 Loans to the public and credit institutions 1 335 568 10 951 2 040 1 322 577 9 443 1 008 2) Including Swedish National Debt Office 43

11B 1B Asset quality Loans, gross, by business area 30 Jun 2012 SEKm Large Corporates Retail & Institutions Baltic Banking Estonia Latvia Lithuania Investment and Other Group Functions & Other Russia Ukraine Other (mostly Treasury) Private customers 687 625 605 63 143 29 159 17 627 16 357 2 099 22 2 077 753 472 Private mortgage 581 929 1 53 295 23 647 15 134 14 514 753 22 731 635 978 Housing cooperatives 78 843 1 123 1 123 79 966 Private other 26 853 604 8 725 4 389 2 493 1 843 1 346 1 346 37 528 Corporate customers 227 561 138 514 59 180 24 153 16 403 18 397 227 13 186 4 211 4 437 4 538 438 441 Agriculture, forestry, fishing 61 496 123 2 783 1 167 963 653 188 28 160 64 590 Manufacturing 15 982 19 414 8 514 2 594 2 945 2 975 2 281 1 030 1 251 46 191 Public sector and utilities 8 325 3 432 6 410 2 280 378 3 752 42 42 18 209 Construction 9 370 4 509 1 584 932 326 326 620 10 610 16 083 Retail 11 654 8 386 8 015 3 016 2 244 2 755 2 005 744 1 261 30 060 Transportation 7 240 2 754 4 394 1 787 1 303 1 304 247 244 3 14 635 Shipping and offshore 206 22 914 677 469 52 156 23 797 Hotels and restaurants 3 923 41 2 514 1 118 661 735 196 135 61 6 674 Information and communication 910 761 645 245 47 353 2 316 Finance and insurance 2 624 11 399 774 571 184 19 4 621 83 4 538 19 418 Property management, including: 83 974 55 372 18 287 7 513 6 162 4 612 1 980 1 893 87 159 613 Residential properties 38 467 5 613 2 496 492 1 196 808 87 87 46 663 Commercial 28 960 35 983 9 584 3 442 3 031 3 111 1 854 1 854 76 381 Industrial and Warehouse 11 223 11 839 2 160 632 1 123 405 20 20 25 242 Other 5 324 1 937 4 047 2 947 812 288 19 19 11 327 Professional services 6 623 1 238 3 832 2 366 913 553 85 85 11 778 Other corporate lending 15 234 8 171 751 95 225 204 227 921 921 25 077 Loans to the public excluding the Swedish National Debt Office and repurchase agreements 915 186 139 119 122 323 53 312 34 030 34 754 227 15 285 4 233 6 514 4 538 1 191 913 Credit institutions 1) 25 212 30 213 563 563 16 478 1 172 7 15 299 72 466 Repos, Credit institutions 28 165 28 165 Repos, public 1) 43 024 43 024 Total loans to credit institutions and to the public 2) 940 398 240 521 122 886 53 312 34 030 34 754 790 31 763 5 405 6 521 19 837 1 335 568 Group Provisions by business area 30 Jun 2012 SEKm Large Corporates Retail & Institutions Baltic Banking Estonia Latvia Lithuania Investment and Other Group Functions & Other Russia Ukraine Other (mostly Treasury) Provisions, private customers 408 2 290 444 1 246 600 1 386 4 1 382 4 084 Private mortgage 118 1 996 359 1 112 525 610 4 606 2 724 Housing cooperatives 82 12 12 94 Private other 208 282 73 134 75 776 776 1 266 Provisions, corporate customers 1 032 391 4 833 1 119 2 177 1 537 2 586 348 2 238 8 842 Agriculture, forestry, fishing 51 235 16 191 28 41 1 40 327 Manufacturing 207 69 607 60 252 295 821 215 606 1 704 Public sector and utilities 22 6 37 6 10 21 65 Construction 59 4 303 134 83 86 413 413 779 Retail 129 12 479 133 189 157 728 75 653 1 348 Transportation 41 1 158 14 56 88 3 1 2 203 Shipping and offshore 2 53 271 147 26 98 326 Hotels and restaurants 23 82 7 55 20 21 1 20 126 Information and communication 10 13 35 3 8 24 58 Finance and insurance 6 7 20 18 1 1 62 62 95 Property management, including 3) 191 63 2 230 349 1 222 659 128 52 76 2 612 Residential properties 67 6 869 86 422 361 76 76 1 018 Commercial 49 43 521 68 328 125 52 52 665 Industrial and Warehouse 65 12 249 12 218 19 326 Other 10 2 591 183 254 154 603 Professional services 82 6 346 229 73 44 3 3 437 Other corporate lending 209 157 30 3 11 16 366 366 762 Total 1 440 391 7 123 1 563 3 423 2 137 3 972 352 3 620 12 926 Credit institutions 1) 61 4 4 65 Repos, Credit institutions Repos, public 1) Total provisions to credit institutions and to the public 2) 1 440 452 7 123 1 563 3 423 2 137 3 976 356 3 620 12 991 Group Loans, net, by business area 30 Jun 2012 SEKm Large Corporates Retail & Institutions Baltic Banking Estonia Latvia Lithuania Investment and Other Group Functions & Other Russia Ukraine Other (mostly Treasury) Private customers 687 217 605 60 853 28 715 16 381 15 757 713 18 695 749 388 Private mortgage 581 811 1 51 299 23 288 14 022 13 989 143 18 125 633 254 Housing cooperatives 78 761 1 111 1 111 79 872 Private other 26 645 604 8 443 4 316 2 359 1 768 570 570 36 262 Corporate customers 226 529 138 123 54 347 23 034 14 226 16 860 227 10 600 3 863 2 199 4 538 429 599 Agriculture, forestry, fishing 61 445 123 2 548 1 151 772 625 147 27 120 64 263 Manufacturing 15 775 19 345 7 907 2 534 2 693 2 680 1 460 815 645 44 487 Public sector and utilities 8 303 3 426 6 373 2 274 368 3 731 42 42 18 144 Construction 9 311 4 505 1 281 798 243 240 207 10 197 15 304 Retail 11 525 8 374 7 536 2 883 2 055 2 598 1 277 669 608 28 712 Transportation 7 199 2 753 4 236 1 773 1 247 1 216 244 243 1 14 432 Shipping and offshore 204 22 861 406 322 26 58 23 471 Hotels and restaurants 3 900 41 2 432 1 111 606 715 175 134 41 6 548 Information and communication 900 748 610 242 39 329 2 258 Finance and insurance 2 618 11 392 754 553 183 18 4 559 21 4 538 19 323 Property management, including 3) 83 783 55 309 16 057 7 164 4 940 3 953 1 852 1 841 11 157 001 Residential properties 38 400 5 607 1 627 406 774 447 11 11 45 645 Commercial 28 911 35 940 9 063 3 374 2 703 2 986 1 802 1 802 75 716 Industrial and Warehouse 11 158 11 827 1 911 620 905 386 20 20 24 916 Other 5 314 1 935 3 456 2 764 558 134 19 19 10 724 Professional services 6 541 1 232 3 486 2 137 840 509 82 82 11 341 Other corporate lending 15 025 8 014 721 92 214 188 227 555 555 24 315 Loans to the public excluding the Swedish National Debt Office and repurchase agreements 913 746 138 728 115 200 51 749 30 607 32 617 227 11 313 3 881 2 894 4 538 1 178 987 Credit institutions 1) 25 212 30 152 563 563 16 474 1 168 7 15 299 72 401 Repos, Credit institutions 28 165 28 165 Repos, public 1) 43 024 43 024 Total loans to credit institutions and to the public 2) 938 958 240 069 115 763 51 749 30 607 32 617 790 27 787 5 049 2 901 19 837 1 322 577 1) Including Swedish National Debt Office 2) Excluding intra-group transactions 3) The provisions for property management sub-sectors exclude portfolio provisions Group 44

22B 2B Asset quality Impaired loans, gross, by business area 30 Jun 2012 SEKm Retail Large Corporates & Institutions Baltic Banking Estonia Latvia Lithuania Group Functions & Other Impaired loans, private customers 542 5 376 1 195 2 765 1 416 1 882 6 1 876 7 800 Private mortgage 289 5 035 1 130 2 554 1 351 732 6 726 6 056 Housing cooperatives 39 39 Private other 214 341 65 211 65 1 150 1 150 1 705 Impaired loans, corporate customers 1 273 230 7 439 1 628 3 119 2 692 3 590 592 2 998 12 532 Agriculture, forestry, fishing 81 387 24 315 48 50 1 49 518 Manufacturing 398 37 832 80 354 398 1 202 408 794 2 469 Public sector and utilities 13 88 3 18 67 101 Construction 79 410 163 109 138 551 551 1 040 Retail 141 666 150 246 270 977 178 799 1 784 Transportation 49 263 18 73 172 3 3 315 Shipping and offshore 88 391 209 43 139 479 Hotels and restaurants 17 120 5 88 27 58 58 195 Information and communication 1 25 57 15 42 83 Finance and insurance 23 20 2 1 83 83 106 Property management, including: 171 7 3 487 481 1 739 1 267 87 87 3 752 Residential properties 26 1 410 150 560 700 87 87 1 523 Commercial 32 7 813 62 467 284 852 Industrial and Warehouse 70 368 19 301 48 438 Other 43 896 250 411 235 939 Professional services 84 611 406 115 90 5 5 700 Other corporate lending 239 73 104 69 2 33 574 574 990 Total 1 815 230 12 815 2 823 5 884 4 108 5 472 598 4 874 20 332 Credit institutions 1) 62 62 Total 1 815 292 12 815 2 823 5 884 4 108 5 472 598 4 874 20 394 Russia Ukraine Other Group Total provision ratio for impaired loans by business area 30 Jun 2012 % Retail Large Corporates & Institutions Baltic Banking Estonia Latvia Lithuania Group Functions & Other Private customers 75 43 37 45 42 74 67 74 52 Private mortgage 41 40 32 44 39 83 67 83 45 Housing cooperatives 210 241 Private other 97 83 112 64 115 67 67 74 Corporate customers 81 170 65 69 70 57 72 59 75 71 Agriculture, forestry, fishing 63 61 67 61 58 82 100 82 63 Manufacturing 52 186 73 75 71 74 68 53 76 69 Public sector and utilities 169 42 200 56 31 64 Construction 75 74 82 76 62 75 75 75 Retail 91 72 89 77 58 75 42 82 76 Transportation 84 60 78 77 51 100 67 64 Shipping and offshore 60 69 70 60 71 68 Hotels and restaurants 135 68 140 63 74 36 34 65 Information and communication 1 000 52 61 53 57 70 Finance and insurance 87 90 50 100 75 75 90 Property management, including 2) 112 900 64 73 70 52 147 87 70 Residential properties 258 62 57 75 52 87 87 67 Commercial 153 614 64 110 70 44 78 Industrial and Warehouse 93 68 63 72 40 74 Other 23 66 73 62 66 64 Professional services 98 57 56 63 49 60 60 62 Other corporate lending 87 215 29 4 550 48 64 64 77 Total 79 170 56 55 58 52 73 59 74 64 Credit institutions 1) 98 105 Total 79 155 56 55 58 52 73 60 74 64 Russia Ukraine Other Group Share of impaired loans gross by business area 30 Jun 2012 % Retail Large Corporates & Institutions Baltic Banking Estonia Latvia Lithuania Group Functions & Other Private customers 0.08 8.51 4.10 15.69 8.66 89.66 27.27 90.32 1.04 Private mortgage 0.05 9.45 4.78 16.88 9.31 97.21 27.27 99.32 0.95 Housing cooperatives 0.05 0.05 Private other 0.80 3.91 1.48 8.46 3.53 85.44 85.44 4.54 Corporate customers 0.56 0.17 12.57 6.74 19.01 14.63 27.23 14.06 67.57 2.86 Agriculture, forestry, fishing 0.13 13.91 2.06 32.71 7.35 26.60 3.57 30.63 0.80 Manufacturing 2.49 0.19 9.77 3.08 12.02 13.38 52.70 39.61 63.47 5.35 Public sector and utilities 0.16 1.37 0.13 4.76 1.79 0.55 Construction 0.84 25.88 17.49 33.44 42.33 88.87 90.33 6.47 Retail 1.21 8.31 4.97 10.96 9.80 48.73 23.92 63.36 5.93 Transportation 0.68 5.99 1.01 5.60 13.19 1.21 100.00 2.15 Shipping and offshore 0.38 57.75 44.56 82.69 89.10 2.01 Hotels and restaurants 0.43 4.77 0.45 13.31 3.67 29.59 95.08 2.92 Information and communication 0.11 3.29 8.84 31.91 11.90 3.58 Finance and insurance 2.97 3.50 1.09 5.26 1.80 100.00 0.55 Property management, including 2) 0.20 0.01 19.07 6.40 28.22 27.47 4.39 100.00 2.35 Residential properties 0.07 56.49 30.49 46.82 86.63 100.00 100.00 3.26 Commercial 0.11 0.02 8.48 1.80 15.41 9.13 1.12 Industrial and Warehouse 0.62 17.04 3.01 26.80 11.85 1.74 Other 0.81 22.14 8.48 50.62 81.60 8.29 Professional services 1.27 15.94 17.16 12.60 16.27 5.88 5.88 5.94 Other corporate lending 1.57 0.89 13.85 72.63 0.89 16.18 62.32 62.32 3.95 Loans to the public 0.20 0.17 10.48 5.30 17.29 11.82 35.80 14.13 74.82 1.71 Credit institutions 1) 0.21 0.09 Total 0.19 0.12 10.43 5.30 17.29 11.82 17.23 11.06 74.74 1.53 1) Incl Swedish National Debt Office 2) The provisions for property management sub-sectors exclude portfolio provisions Property taken over to protect claims and cancelled leasing agreements 30 Jun 2012 SEKm Retail Large Corporates & Institutions Baltic Banking Estonia Latvia Lithuania Group Functions & Other Buildings and land 3 66 66 5 959 93 291 5 575 6 028 Shares and participating interests 50 50 50 Other assets 5 15 1 14 20 Total property taken over to protect claims 8 81 1 80 6 009 93 291 5 625 6 098 Finance leasing objects, cancelled agreements 3 102 5 36 61 5 5 110 Total 11 183 6 116 61 6 014 98 291 5 625 6 208 Russia Russia Ukraine Ukraine Other Ektornet Group Group Group Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2012 2011 2011 2011 2011 2010 2010 2010 Buildings and land 6 028 6 019 6 067 5 916 4 332 3 628 3 299 1 380 1 139 Shares and participating interests 50 87 107 124 137 165 184 103 108 Other assets 20 19 54 69 28 27 30 13 18 Total property taken over to protect claims 6 098 6 125 6 228 6 109 4 497 3 820 3 513 1 496 1 265 Finance leasing objects, cancelled agreements 110 123 147 244 271 294 333 435 568 Total 6 208 6 248 6 375 6 353 4 769 4 114 3 846 1 931 1 833 45

44B 4B Credit impairments Credit impairments, Group Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 SEKm 2012 2012 2011 2011 2011 2011 2010 2010 2010 Provisions Individual provisions, gross 1) 234 290 135 276 423 347-248 611 1 716 Reversal of previous provisions -328-317 -958-769 -830-924 -582-197 -289 Portfolio provisions 78 64-55 -131-36 -607-308 -498-581 Provisions, net -16 37-878 -624-443 -1 184-1 138-84 846 Write-offs Established losses 1 855 1 010 1 049 1 900 1 102 831 2 274 650 642 Utilisation of previous provisions -1 453-746 -264-1 636-846 -554-1 440-367 -345 Recoveries -86-129 -81-81 -137-65 -179-79 -180 Write-offs, net 316 135 704 183 119 212 655 204 117 Total 300 172-174 -441-324 -972-483 120 963 1) Including credit impairments for contingent liabilities and other credit risk exposures, net Credit impairments by business area, SEKm Retail 100 24 216 108 6 5 140-4 52 Large Corporates & Institutions 54 14 4-68 -20-105 62-53 -58 Estonia -25-78 -55-125 136-9 24 3 348 Latvia -197-21 158-191 -164-135 -57 369 453 Lithuania 18-35 -232-71 -114-238 -130-45 294 Investment and Other 12 26 1 Baltic Banking -204-134 -117-361 -142-382 -163 327 1 096 Russia 24-65 -269-59 -13-171 -144-83 -29 Ukraine 325 333 9-60 -156-319 -377-75 -110 Other Group Functions 1 0-17 -1 1-1 8 12 Group Functions & Other 350 268-277 -120-168 -490-522 -150-127 Group 300 172-174 -441-324 -972-483 120 963 Credit impairment ratio, % Retail 0.04 0.01 0.09 0.05 0.00 0.00 0.06 0.00 0.02 Large Corporates & Institutions 0.09 0.02-0.10-0.03-0.14 0.07-0.06-0.07 Estonia -0.19-0.59-0.41-0.91 0.98-0.06-0.09 0.01 2.05 Latvia -2.52-0.26 1.83-2.19-1.83-1.47-0.91 3.46 3.97 Lithuania 0.22-0.42-2.97-0.52-1.31-2.70-0.76-0.49 2.88 Investment and Other 17.07 30.08 Baltic Banking -0.69-0.45-0.37-1.15-0.44-1.17-0.51 0.90 2.83 Russia 1.75-4.41-19.26-3.90-0.88-9.14-4.20-3.17-1.11 Ukraine 28.96 28.27 0.71-4.01-9.67-17.45-16.95-3.64-4.39 Other Group Functions 0.01-0.01-0.48-0.01 0.01 Group Functions & Other 5.26 4.56-0.90-0.45-0.77-12.96-14.01-3.10-2.67 Group 0.09 0.05-0.05-0.13-0.09-0.29-0.14 0.03 0.28 Credit impairments by sector, Group, SEKm Private customers 378 380 578 269 297 6-9 169 331 Private mortgage 213 269 381 154 279-39 -19 107 204 Housing cooperatives 1 3-7 6 1 3-13 10 Private other 164 108 197 122 12 44 7 75 117 Corporate customers -80-177 -715-710 -621-978 -442-48 632 Agriculture, forestry, fishing -13-49 7 1-8 5-8 13 76 Manufacturing 4-28 -328 29-327 -173-167 77 163 Public sector and utilities 9-5 -28 25-9 -4 22 5-2 Construction 28 105 4-325 45-285 -96-88 -23 Retail -21-56 25 23-56 -52-75 -22 156 Transportation -9-5 11 23-228 26-20 41 Shipping and offshore 44 32 125 48 1-11 65 17 27 Hotels and restaurants -8-12 -17-48 1 3 47-4 31 Information and communication -6-6 2-3 -3 4 13-6 Finance and insurance 1 3 14-2 -1-31 45-26 4 Property management -145-239 -428-337 -374 24-167 46 205 Professional services -36 14 8-23 34-39 -146-20 69 Other corporate lending 66 69-102 -103 53-184 8-39 -109 Total 298 203-137 -441-324 -972-451 121 963 Credit institutions 2-31 -37-32 -1 Total 300 172-174 -441-324 -972-483 120 963 46

55B 5B Impaired loans and provisions Impaired loans by business area 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKm 2012 2012 2011 2011 2011 2011 2010 2010 2010 Impaired loans, gross Retail 1 815 1 678 1 731 1 705 1 559 1 592 1 614 1 986 2 046 Large Corporates & Institutions 292 294 319 399 442 575 758 950 984 Estonia 2 823 3 353 3 620 4 531 4 836 4 505 4 722 5 134 5 739 Latvia 5 884 6 798 7 696 9 080 9 802 10 468 11 259 12 907 13 916 Lithuania 4 108 4 349 4 792 5 810 6 382 6 357 6 529 6 971 7 688 Baltic Banking 12 815 14 500 16 108 19 421 21 021 21 330 22 510 25 012 27 343 Russia 598 702 1 281 1 378 1 407 1 555 1 939 2 152 2 557 Ukraine 4 874 4 965 5 366 5 840 6 240 6 695 7 957 8 531 9 789 Other Group Functions Group Functions & Other 5 472 5 667 6 647 7 218 7 647 8 250 9 896 10 683 12 346 Group 20 394 22 139 24 805 28 743 30 669 31 747 34 778 38 631 42 719 Individually identified impaired loan provisions Retail 813 850 904 824 767 864 851 892 912 Large Corporates & Institutions 237 240 295 285 394 463 565 731 797 Estonia 1 275 1 503 1 635 2 203 2 362 2 143 2 297 2 541 2 817 Latvia 2 829 3 376 3 739 4 503 4 818 5 134 5 597 6 789 6 967 Lithuania 1 896 2 014 2 162 2 695 3 085 3 165 3 494 3 903 4 315 Baltic Banking 6 000 6 893 7 536 9 401 10 265 10 442 11 388 13 232 14 099 Russia 289 316 538 739 788 796 984 1 111 1 306 Ukraine 3 612 3 616 3 548 3 532 3 736 4 033 4 706 5 102 5 914 Other Group Functions 1 1 Group Functions & Other 3 901 3 932 4 086 4 272 4 526 4 829 5 690 6 213 7 220 Group 10 951 11 915 12 821 14 782 15 952 16 598 18 494 21 068 23 028 Impaired loans, net Retail 1 002 828 827 881 792 728 763 1 094 1 134 Large Corporates & Institutions 55 54 24 114 48 112 193 219 187 Estonia 1 548 1 850 1 985 2 328 2 474 2 362 2 425 2 593 2 922 Latvia 3 055 3 422 3 957 4 577 4 984 5 334 5 662 6 118 6 949 Lithuania 2 212 2 335 2 630 3 115 3 297 3 192 3 035 3 068 3 373 Baltic Banking 6 815 7 607 8 572 10 020 10 756 10 888 11 122 11 780 13 244 Russia 309 386 743 639 619 759 955 1 041 1 251 Ukraine 1 262 1 349 1 818 2 308 2 504 2 662 3 251 3 429 3 875 Other Group Functions -1-1 Group Functions & Other 1 571 1 735 2 561 2 946 3 121 3 421 4 206 4 470 5 126 Group 9 443 10 224 11 984 13 961 14 717 15 149 16 284 17 563 19 691 All provisions for impaired loans Retail 1 440 1 503 1 561 1 500 1 451 1 555 1 606 1 626 1 686 Large Corporates & Institutions 452 397 428 398 542 658 802 994 1 136 Estonia 1 563 1 825 1 975 2 562 2 725 2 700 2 930 3 218 3 566 Latvia 3 423 4 053 4 425 5 000 5 386 5 793 6 321 7 596 7 825 Lithuania 2 137 2 260 2 419 2 940 3 358 3 440 3 831 4 346 4 780 Baltic Banking 7 123 8 138 8 819 10 502 11 468 11 932 13 082 15 160 16 171 Russia 356 447 592 853 914 904 1 105 1 255 1 507 Ukraine 3 620 3 908 3 856 3 937 4 011 4 317 5 196 5 639 6 632 Other Group Functions 1 1 1 Group Functions & Other 3 976 4 355 4 448 4 791 4 927 5 222 6 301 6 894 8 139 Group 12 991 14 393 15 256 17 191 18 388 19 367 21 791 24 674 27 132 47

66B 6B Impaired loans and provisions Provision ratio for impaired loans, % (excluding portfolio provisions) 30 Jun 2012 31 Mar 2012 31 Dec 2011 30 Sep 2011 30 Jun 2011 31 Mar 2011 31 Dec 2010 30 Sep 2010 30 Jun 2010 Retail 45 51 52 48 49 54 53 45 45 Large Corporates & Institutions 81 82 92 71 89 80 75 77 81 Estonia 45 45 45 49 49 48 49 49 49 Latvia 48 50 49 50 49 49 50 53 50 Lithuania 46 46 45 46 48 50 54 56 56 Baltic Banking 47 48 47 48 49 49 51 53 52 Russia 48 45 42 54 56 51 51 52 51 Ukraine 74 73 66 60 60 60 59 60 60 Group Functions & Other 71 69 61 59 59 59 57 58 58 Group 54 54 52 51 52 52 53 55 54 Total provision ratio for impaired loans, % (including portfolio provisions) Retail 79 90 90 88 93 98 100 82 82 Large Corporates & Institutions 155 135 134 100 123 115 106 105 115 Estonia 55 54 55 57 56 60 62 63 62 Latvia 58 60 57 55 55 55 56 59 56 Lithuania 52 52 50 51 53 54 59 62 62 Baltic Banking 56 56 55 54 55 56 58 61 59 Russia 60 64 46 62 65 58 57 58 59 Ukraine 74 79 72 67 64 64 65 66 68 Group Functions & Other 73 77 67 66 64 63 64 65 66 Group 64 65 62 60 60 61 63 64 64 Share of impaired loans, gross, % Retail 0.19 0.18 0.19 0.19 0.17 0.18 0.18 0.22 0.23 Large Corporates & Institutions 0.12 0.12 0.13 0.18 0.19 0.22 0.24 0.25 0.25 Estonia 5.30 6.22 6.58 7.90 8.33 7.68 7.69 8.11 8.52 Latvia 17.29 19.43 20.98 22.92 24.36 25.30 25.85 27.43 27.22 Lithuania 11.82 12.43 13.37 15.16 16.61 16.62 16.52 16.71 17.60 Baltic Banking 10.43 11.64 12.57 14.32 15.34 15.38 15.54 16.40 16.81 Russia 11.06 11.88 20.26 21.63 20.73 22.57 22.44 23.80 20.90 Ukraine 74.74 60.90 61.19 62.68 66.38 61.04 62.26 66.97 64.37 Group Functions & Other 17.23 18.35 23.74 5.60 6.96 8.86 46.20 49.05 44.98 Group 1.53 1.67 1.87 2.05 2.20 2.28 2.53 2.67 2.90 48

77B 7B Loans past due Loans past due 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKm 2012 2012 2011 2011 2011 2011 2010 2010 2010 31 to 60 days Estonia 481 359 367 391 518 577 421 553 642 Latvia 367 383 509 607 482 535 623 578 807 Lithuania 430 497 366 531 572 783 579 642 832 Baltic Banking 1 278 1 239 1 242 1 529 1 572 1 895 1 623 1 773 2 281 Russia 5 3 14 17 45 51 6 14 100 Ukraine 4 41 53 57 278 279 200 86 174 more than 60 days Estonia 1 472 1 880 2 015 2 910 3 042 3 087 3 721 4 299 4 576 Latvia 4 510 5 019 5 460 6 492 6 715 7 115 7 510 9 063 9 523 Lithuania 3 063 3 091 3 428 3 947 4 299 4 204 4 112 5 243 5 705 Baltic Banking 9 045 9 990 10 903 13 349 14 056 14 406 15 343 18 605 19 804 Russia 422 541 740 751 716 986 1 226 1 457 1 811 Ukraine 4 113 4 180 4 283 4 426 4 782 4 877 5 618 6 202 7 454 Loans past due ratio (more than 60 days) % Estonia 2.76 3.49 3.66 5.08 5.24 5.26 6.06 6.79 6.79 Latvia 13.25 14.35 14.88 16.39 16.68 17.20 17.24 19.26 18.63 Lithuania 8.81 8.83 9.57 10.30 11.19 10.99 10.41 12.57 13.06 Baltic Banking 7.41 8.02 8.51 9.85 10.26 10.39 10.59 12.20 12.18 Russia 7.81 9.15 11.70 11.80 10.55 14.31 14.19 16.11 14.80 Ukraine 63.08 51.27 48.84 47.49 50.87 44.46 43.96 48.68 49.02 49

22B 2B Top 20 Corporate Clients, Concentration risk Top 20 corporate exposures, SEKm Top 20 coroporate exposures 98 343 in % of core Tier 1 Capital 122 Out of that municipalities 9 344 Out of that to investment grade 84 949 Collateral value of the top 20 43 656 Top 20 corporate exposures by Industry, SEKm Total Investment grade Collateral value Manufacturing 13 934 13 934 Public Sector and utilities 9 344 n/a Construction 6 804 6 804 4 662 Transportation 4 479 4 479 Shipping & Offshore 6 808 6 808 4 591 Finance and Insurance 19 478 19 478 Property management 37 497 33 446 34 403 Total 98 343 84 949 43 656 50

Capital adequacy parameters for credit risk 30 Jun 2012 SEKm Retail Large Corporates & Institutions Baltic Banking Group Functions & Other Retail - mortgages Exposure 737 219 2 53 332 790 553 Exposure weighted average PD (incl defaults), % 0.59 0.07 11.61 1.34 Exposure weighted average PD (excl defaults), % 0.41 0.07 2.95 0.56 Exposure weighted average LGD, % 10.1 13.1 20.1 10.8 Average risk weight, % 5.4 2.4 32.8 7.3 Retail - other Exposure 64 831 1 399 12 393 10 78 633 Exposure weighted average PD (incl defaults), % 2.73 1.47 11.33 1.92 4.06 Exposure weighted average PD (excl defaults), % 1.61 1.16 5.13 1.65 2.13 Exposure weighted average LGD, % 42.0 39.1 45.8 45.0 42.6 Average risk weight, % 36.1 39.9 63.0 21.9 40.4 Corporates Exposure 163 890 201 471 52 157 1 752 419 270 Exposure weighted average PD (incl defaults), % 2.04 1.17 12.89 0.28 2.96 Exposure weighted average PD (excl defaults), % 1.37 0.36 3.98 0.28 1.17 Exposure weighted average LGD, % 41.2 43.3 44.4 45.0 42.6 Average risk weight, % 67.5 44.4 100.5 25.2 60.3 Corporate - specialised lending Exposure 4 963 1 4 964 Average risk weight, % 115.8 165.0 115.8 Institutions Exposure 9 946 43 626 557 75 795 129 924 Exposure weighted average PD (incl defaults), % 0.10 0.35 0.17 0.06 0.16 Exposure weighted average PD (excl defaults), % 0.10 0.18 0.17 0.06 0.10 Exposure weighted average LGD, % 45.0 33.8 45.0 18.6 25.4 Average risk weight, % 24.4 21.2 25.7 8.1 13.9 Other IRB exposure classes Exposure 5 099 3 523 1 179 8 838 18 639 Average risk weight, % 74.8 62.4 39.7 95.0 79.8 Total IRB approach Exposure 980 985 250 021 124 581 86 396 1 441 983 Exposure weighted average PD (incl defaults), % 0.97 1.03 12.09 0.06 1.86 Exposure weighted average PD (excl defaults), % 0.64 0.33 3.62 0.06 0.79 Exposure weighted average LGD, % 17.8 41.6 33.8 19.1 23.2 Average risk weight, % 18.4 40.6 67.5 17.4 26.4 Standardised approach Exposure 42 172 30 476 16 826 141 972 231 446 Average risk weight, % 24.6 12.1 32.6 6.4 12.3 Total exposures Exposure 1 023 157 280 497 141 407 228 368 1 673 429 Average risk weight, % 18.6 37.5 63.3 10.5 24.5 Total 51

44B 4B Capital adequacy parameters for credit risk Exposures 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKm 2012 2012 2011 2011 2011 2011 2010 2010 2010 Retail 869 186 857 797 855 675 853 777 852 670 847 209 845 823 841 105 834 499 of which Retail mortgage 790 553 781 322 777 816 774 058 771 955 765 769 762 666 755 010 748 308 of which Retail other 78 633 76 475 77 859 79 719 80 715 81 440 83 157 86 095 86 191 Corporate 419 270 408 427 407 752 405 172 391 300 384 297 388 427 395 605 410 057 Corporate specialised lending 4 964 5 638 5 987 7 199 7 720 8 728 9 343 10 720 12 155 Institutions 129 924 129 881 131 337 144 608 133 282 145 359 146 519 104 317 90 067 Other IRB 18 639 19 411 19 324 18 579 19 774 17 849 19 615 19 881 20 256 IRB total 1 441 983 1 421 154 1 420 075 1 429 335 1 404 746 1 403 442 1 409 727 1 371 627 1 367 034 Standardised 231 446 272 854 274 535 303 034 131 874 135 437 163 414 151 609 165 750 Total exposures 1 673 429 1 694 008 1 694 610 1 732 369 1 536 620 1 538 879 1 573 141 1 523 236 1 532 783 Risk weighted assets Retail 89 343 88 582 87 289 88 959 88 747 90 950 88 247 91 579 93 232 of which Retail mortgage 57 560 57 531 55 593 56 234 55 575 57 292 54 506 56 032 57 004 of which Retail other 31 783 31 051 31 696 32 725 33 172 33 658 33 741 35 547 36 228 Corporate 252 891 259 254 258 865 264 194 274 788 282 319 290 043 298 528 311 111 Corporate specialised lending 5 747 6 142 6 534 7 074 6 575 7 069 7 453 8 149 9 199 Institutions 17 998 15 415 16 964 17 017 16 328 19 442 20 369 20 044 16 660 Other IRB 14 875 15 886 15 969 14 407 15 136 13 197 14 871 13 919 14 154 IRB total 380 854 385 279 385 621 391 651 401 574 412 976 420 982 432 219 444 356 Standardised 28 567 30 400 30 336 31 699 31 859 31 035 34 031 36 831 44 258 Total risk weighted assets 409 421 415 679 415 957 423 350 433 433 444 012 455 013 469 050 488 614 Risk weighted assets, % Retail 10.3 10.3 10.2 10.4 10.4 10.7 10.4 10.9 11.2 of which Retail mortgage 7.3 7.4 7.1 7.3 7.2 7.5 7.1 7.4 7.6 of which Retail other 40.4 40.6 40.7 41.1 41.1 41.3 40.6 41.3 42.0 Corporate 60.3 63.5 63.5 65.2 70.2 73.5 74.7 75.5 75.9 Corporate specialised lending 115.8 108.9 109.1 98.3 85.2 81.0 79.8 76.0 75.7 Institutions 13.9 11.9 12.9 11.8 12.3 13.4 13.9 19.2 18.5 Other IRB 79.8 81.8 82.6 77.5 76.5 73.9 75.8 70.0 69.9 IRB total 26.4 27.1 27.2 27.4 28.6 29.4 29.9 31.5 32.5 Standardised 12.3 11.1 11.0 10.5 24.2 22.9 20.8 24.3 26.7 Total risk weighted assets 24.5 24.5 24.5 24.4 28.2 28.9 28.9 30.8 31.9 Average PD, excluding defaults, % Retail 0.70 0.72 0.71 0.71 0.71 0.71 0.66 0.68 0.69 of which Retail mortgage 0.56 0.57 0.56 0.56 0.55 0.55 0.48 0.49 0.50 of which Retail other 2.13 2.21 2.21 2.24 2.25 2.27 2.26 2.32 2.38 Corporate 1.17 1.32 1.36 1.46 1.61 1.77 1.81 1.92 1.94 Institutions 0.10 0.08 0.08 0.07 0.07 0.07 0.07 0.08 0.09 Total Swedbank FCG 1) 0.79 0.83 0.84 0.86 0.90 0.93 0.91 0.99 1.03 Average LGD, % Retail 13.7 13.6 13.7 13.8 13.8 13.8 14.0 14.2 14.4 of which Retail mortgage 10.8 10.8 10.7 10.8 10.7 10.7 10.9 10.9 11.0 of which Retail other 42.6 42.7 42.9 43.1 43.2 43.3 43.0 43.0 43.8 Corporate 42.6 42.9 42.7 42.9 43.0 43.4 43.4 43.1 43.2 Institutions 25.4 24.5 26.3 25.2 27.3 29.4 29.5 39.8 37.8 Total Swedbank FCG 1) 23.2 23.1 23.3 23.3 23.3 23.6 23.9 24.6 24.7 Expected loss Retail 3 881 4 194 4 406 4 720 4 790 4 594 4 518 4 686 4 821 of which Retail mortgage 2 396 2 493 2 633 2 811 2 861 2 613 2 531 2 594 2 633 of which Retail other 1 485 1 701 1 773 1 909 1 929 1 981 1 987 2 092 2 188 Corporate 5 482 6 351 6 523 7 158 10 542 11 194 12 285 13 537 10 474 Corporate specialised lending 1 321 1 556 1 691 2 182 2 542 2 872 3 060 3 623 4 089 Institutions 80 163 163 138 137 164 179 183 218 Total Swedbank FCG 1) 10 764 12 264 12 783 14 197 18 010 18 823 20 042 22 029 19 602 Expected loss, non defaults Retail 1 394 1 409 1 410 1 449 1 457 1 474 1 380 1 452 1 504 of which Retail mortgage 686 696 686 697 691 689 593 615 631 of which Retail other 708 713 724 753 766 784 787 837 873 Corporate 2 083 2 267 2 325 2 492 2 642 2 847 2 942 3 158 3 313 Corporate specialised lending 177 188 202 218 203 216 226 247 278 Institutions 46 34 34 37 34 33 45 33 35 Total Swedbank FCG 1) 3 700 3 898 3 971 4 197 4 336 4 570 4 592 4 891 5 130 Expected loss, defaults Retail 2 487 2 785 2 996 3 271 3 332 3 120 3 138 3 234 3 317 of which Retail mortgage 1 710 1 797 1 947 2 114 2 170 1 924 1 939 1 979 2 003 of which Retail other 777 988 1 049 1 157 1 162 1 196 1 200 1 255 1 314 Corporate 3 399 4 084 4 198 4 665 7 900 8 346 9 342 10 379 7 161 Corporate specialised lending 1 144 1 368 1 489 1 964 2 339 2 656 2 834 3 376 3 811 Institutions 34 129 129 100 103 131 134 150 183 Total Swedbank FCG 1) 7 064 8 366 8 812 10 000 13 674 14 253 15 449 17 138 14 472 Defaults Retail 7 700 8 112 8 545 9 262 9 329 9 093 9 240 9 599 9 818 of which Retail mortgage 6 151 6 272 6 639 7 112 7 165 6 875 6 994 7 141 7 230 of which Retail other 1 549 1 840 1 906 2 150 2 163 2 218 2 247 2 458 2 588 Corporate 7 599 9 154 9 440 10 464 12 442 12 269 14 083 15 140 16 017 Corporate specialised lending 2 287 2 736 2 977 3 927 4 677 5 313 5 668 6 752 7 622 Institutions 75 286 288 223 225 291 299 333 406 Total Swedbank FCG 1) 17 661 20 288 21 250 23 877 26 673 26 965 29 291 31 824 33 863 1) Only exposures calculated by IRB approach. FCG=Financial companies group 52

33B 3B Capital adequacy Capital adequacy according to Basel 2 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKm 2012 2012 2011 2011 2011 Shareholders' equity according to the Group balance sheet 98 389 95 259 97 993 97 208 95 923 Non-controlling interests 155 144 140 138 135 Anticipated dividend -3 294-1 750-5 825-5 389-3 652 Deconsolidation of insurance companies -2 336-2 104-1 980-1 908-1 579 Associated companies consolidated according to purchase method 1 970 1 686 1 742 1 678 1 500 Unrealised value changes in financial liabilities due to changes in own creditworthiness 43 4-23 -15-2 Cash flow hedges -19-7 -268 13 116 Goodwill -11 064-11 018-11 085-13 367-13 375 Deferred tax assets -720-799 -843-908 -1 016 Intangible assets -1 701-1 731-1 767-1 795-1 788 Net provisions for reported IRB credit exposures -724-897 -748-551 -754 Shares deducted from Tier 1 capital -34-34 -34-41 -45 Total core Tier 1 capital 80 665 78 753 77 302 75 063 75 463 Core Tier 1 capital ratio, % 16.6 15.9 15.7 15.1 14.8 Tier 1 capital contributions, of which 7 551 7 306 7 553 7 562 6 776 a) Tier 1 instruments that must be converted during emergency situations 0 0 0 0 0 b) Undated Tier 1 instruments without incentives to redeem 535 536 535 535 536 c) Fixed term Tier 1 or undated Tier 1 instruments with incentives to redeem 7 016 6 770 7 018 7 027 6 240 Total Tier 1 capital 88 216 86 059 84 855 82 625 82 239 Tier 1 capital ratio, % 18.2 17.4 17.2 16.6 16.1 Undated subordinated loans 1 211 1 148 1 616 1 634 1 481 Fixed-term subordinated loans 8 289 10 233 10 389 11 959 12 846 Deduction remaining duration 0 0 0 0 0 Net provisions for reported IRB credit exposures -724-897 -748-551 -754 Shares deducted from Tier 2 capital -34-34 -34-41 -45 Total Tier 2 capital 8 742 10 450 11 223 13 001 13 528 Less shares in insurance companies -2 898-2 906-2 905-2 909-2 907 Total capital base 94 060 93 603 93 173 92 717 92 860 Total capital adequacy ratio, % 19.4 18.9 18.9 18.7 18.2 Capital quotient 2.42 2.37 2.37 2.33 2.28 RWA Credit risks 409 421 415 679 415 957 423 350 433 433 RWA Market risks 21 872 24 808 21 880 19 217 21 381 RWA Operational risks 54 081 54 081 54 487 54 487 54 487 RWA Settlement risks 13 66 13 13 25 Total RWA, Basel 2 485 387 494 634 492 337 497 067 509 326 Capital ratios according to Basel 2 transition rules 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKm 2012 2012 2011 2011 2011 Total RWA, Basel 2 485 387 494 634 492 337 497 067 509 326 RWA Supplement during transition period 285 675 264 813 264 425 263 388 235 535 Total RWA, Basel 2 transition rules 771 062 759 447 756 762 760 455 744 861 Core Tier 1 capital ratio, % 10.5 10.4 10.2 9.9 10.1 Tier 1 capital ratio, % 11.4 11.3 11.2 10.9 11.0 Total capital adequacy ratio, % 12.2 12.3 12.3 12.2 12.5 Capital quotient 1.52 1.54 1.54 1.52 1.56 Capital ratios according to Basel 3 rules 1) 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKm 2012 2012 2011 2011 2011 Total RWA 508 300 515 325 515 137 Total core Tier 1 capital 78 579 77 015 75 595 Core Tier 1 capital ratio, % 15.5 14.9 14.7 1) Estimates based on Swedbank's current understanding of future regulations. 53

Outstanding subordinated debt Swedbank AB (parent company) ISIN Value date Maturity date Coupon Call date Coupon after step-up Currency Nominal amount, local currency, m Carrying Rating amount, SEKm Moody's S&P Lower Tier 2 XS0322614420 27-Sep-07 27-Sep-17 5.57% 2012-09-27 3mth EURIBOR + 2.6% EUR 358 3 366 A3 SE0002268417 14-Dec-07 14-Dec-17 5.9% 2012-12-14 3mth Stibor + 2.8% SEK 725 732 SE0002288381 21-Dec-07 21-Dec-17 3mth Stibor+1.30% 2012-12-21 3mth Stibor + 2.8% SEK 349 349 NO0010404643 21-Dec-07 21-Dec-17 5.36% 2012-12-21 3mth NIBOR + 2.77% NOK 156 183 XS0372124403 26-Jun-08 26-Jun-18 7.38% 2013-06-26 3mth EURIBOR + 3.8% EUR 400 3 907 A3 A- SE0000122111 26-Apr-89 26-Apr-19 11.00% n.a. Non-innovative SEK 111 136 Total Lower Tier 2 8 673 Upper Tier 2 XS0080222838 11-Sep-97 Perpetual 7.50% 2012-09-11 3mth USD Libor + 2.35% USD 95 668 Baa3 XS0085821733 27-Apr-98 Perpetual 5.00% 2028-04-28 6mth YEN Libor + 1.9% JPY 5 000 516 Baa3 Total Upper Tier 2 1 184 Hybrid Tier 1 SE0002408989 12-May-08 Perpetual 6mth Stibor+2.25% 2013-09-17 Non-innovative SEK 536 535 W9421AA1 30-Sep-05 Perpetual 4.00% 2015-09-17 6mth YEN Libor + 1.4% JPY 14 000 1 243 Ba2 BBB- XS0188779028 26-Mar-04 Perpetual 5.75% 2016-03-17 3mth LIBOR + 1.92% GBP 200 2 519 Ba2 BBB- XS0321184706 17-Sep-07 Perpetual 6.67% 2017-09-17 6mth Stibor + 300bp SEK 2 000 2 229 XS0363160127 12-May-08 Perpetual 8.28% 2018-09-17 6mth Stibor + 450bp SEK 873 1 025 Total Hybrid Tier 1 7 551 Total 17 408 54

Interest bearing securities and loans to credit institutions (>3 months maturities) 30 June 2012 Country Banks & other financial of which covered Government & Other nonfinancial Loans (net) to credit institions and balances with central banks with SEKm institutions bonds municipalities companies Total maturities over 3 months Algeria 414 Australia Austria 3 3 9 Bangladesh 21 Belgium 17 1 822 1 839 10 Bermuda 38 38 Brazil 4 Bulgaria 10 10 Canada Chile China 28 Croatia 13 13 Cyprus Czech Republic 61 61 Denmark 366 288 49 415 7 Estonia 52 270 322 Finland 1 205 1 196 1 087 2 292 France 969 519 2 601 14 3 584 4 Germany 6 983 1 079 178 8 240 593 Ghana 5 Greece 4 4 Hungary 57 57 India 3 Indonesia Ireland Italy 105 105 24 Japan Kazakhstan Kenya 27 Kuwait Korea, Republic of Japan Latvia 10 74 17 101 Lithuania 805 805 Luxembourg 3 333 3 333 Mexico 1 Morocco 16 Netherlands 885 20 226 1 131 223 Norway 3 394 1 908 119 5 351 8 864 706 Oman 17 Poland 62 62 Portugal 26 26 Romania Russian Federation 218 Saudi Arabia 2 Slovakia 87 87 Spain 10 10 Sweden 70 569 67 132 18 053 4 499 93 121 2 789 Switzerland Thailand Tunisia Turkey 397 Ukraine United Kingdom 1 232 238 1 1 233 27 United States 5 769 5 769 6 Vietnam 54 Total 94 715 71 281 23 258 13 552 131 525 5 605 of which repos of which central banks SEKm 100 000 90 000 80 000 70 000 60 000 50 000 40 000 30 000 20 000 10 000 0 Banks & other financial institutions Government & municipalities Sweden Other countries Other non-financial companies 55

Liquidity Reserve Liquidity Reserve, Group SEKm 1) According to the template defined by the Swedish Bankers' Association Total Currency distribution SEK EUR USD Other Cash and holdings in central banks 132 028 2 961 87 430 31 462 10 174 Deposits in other banks available overnight 270 233 37 Securities issued or guaranteed by sovereigns, central banks or multilateral development banks 22 265 4 473 16 471 1 320 Securities issued or guaranteed by municipalities or Public sector entities 396 396 Covered bonds 56 577 53 419 3 158 - Issued by other institutions 56 577 53 419 3 158 - Own issued Securities issued by non-financial corporates Securities issued by financial corporates (excl. covered bonds) 2 846 690 2 156 Other Total 214 382 61 087 108 182 34 939 10 174 1) 95% of the securities in the liquidity reserve per Q2 2012 are rated AAA. Liquidity Reserve Definition by the Swedish Bankers' Association Assets included in the liquidity reserve should comply with the following: - assets shall be held by the Treasury function in a bank - assets can not be encumbered - market values are used for the assets - only unencumbered securities receiving 0-20% risk weight under the standardised approach to credit risk of the Basel II framework can be included - securities received in reverse repo transactions shall be included in the liquidity reserve and securities used as collateral for repo transactions shall be excluded Additional liquid assets Additional liquid assets, Group SEKm 2) Cash and holdings in central banks Deposits in other banks available overnight Securities issued or guaranteed by sovereigns, central banks or multilateral Total Currency distribution SEK EUR USD Other development banks 4 170 3 183 537 450 Securities issued or guaranteed by municipalities or Public sector entities 2 2 Covered bonds 56 762 52 205 850 3 706 - Issued by other institutions 42 197 37 673 828 3 696 - Own issued 14 565 14 533 22 11 Securities issued by non-financial corporates 1 794 114 1 500 181 Securities issued by financial corporates (excl. covered bonds) 4 746 440 1 606 2 634 67 Other Total 67 474 55 942 4 492 2 635 4 405 2) 88% of the additional assets fulfill the Liquidity Reserve definition by the Swedish Bankers Association except for that they are held outside the Treasury department. 56

Liquidity ratios Liquidity and funding ratios, % 30 Jun 2012 31 Mar 2012 31 Dec 2011 Liquidity coverage ratio (LCR), Total 152 116 139 Liquidity coverage ratio (LCR), EUR 398 Liquidity coverage ratio (LCR), USD 652 Net stable funding ratio (NSFR) 91 96 94 Liquid assets in relation to maturing funding during next 3, 6 and 12 months liquidity reserve 3 months 145 141 127 liquidity reserve 6 months 123 126 106 liquidity reserve 12 months 81 102 97 liquidity reserve + additional liquid assets 3 months 190 178 159 liquidity reserve + additional liquid assets 6 months 162 159 133 liquidity reserve + additional liquid assets 12 months 106 129 121 Definitions Liquid assets in relation to maturing wholesale funding during next 3, 6 and 12 months: - Liquidity reserve according to definition by the Swedish Bankers' Association - Additional liquid assets: Assets, pledgeable in central banks, held by the group outside of Group Treasury - Maturing funding during 3, 6 and 12 months: All wholesale funding maturing within 3, 6 and 12 months, including short-term CP/CD's, and net of lending and borrowing to/from credit institutions (net Interbank). 57

33B 3B Debt securities in issue Group 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun SEKm 2012 2012 2011 2011 2011 % Commercial papers with government guarantee Other commercial papers 121 861 129 873 122 970 110 673 94 907 28 Covered bonds 530 304 530 069 525 892 536 394 488 046 9 Government guaranteed bonds 38 111 46 709 75 568 118 441 119 832-68 Other interest-bearing bonds 77 766 59 741 39 440 35 615 35 298 120 Structured retail bonds 18 418 18 215 17 588 18 107 19 120-4 Total debt securities in issue 786 460 784 607 781 458 819 230 757 203 4 Q2 Q1 Q4 Q3 Q2 Turnover during the period 2012 2012 2011 2011 2011 Other commercial papers Opening balance 129 873 122 970 110 673 94 907 84 893 Issued 146 770 101 529 92 024 90 578 69 168 Repurchased 3 096-3 096-107 4 38 Repaid -162 961-89 542-79 844-74 946-59 233 Change in market value -496 967-60 -205 158 Changes in exchange rates 5 579-2 955 284 335-117 Closing balance 121 861 129 873 122 970 110 673 94 907 Covered bonds Opening balance 530 069 525 892 536 394 488 046 476 548 Issued 20 093 29 993 37 706 57 814 51 333 Repurchased -8 600-21 291-31 258-23 269-21 974 Repaid -14 941-364 -7 592-1 247-24 637 Change in market value 3 683-4 161-9 358 15 050 6 776 Closing balance 530 304 530 069 525 892 536 394 488 046 Government guaranteed bonds Opening balance 46 709 75 568 118 441 119 832 125 555 Repurchased -7 512-4 870 Repaid -8 989-27 657-34 448-637 -7 159 Change in market value -4-20 423 467 168 Changes in exchange rates 395-1 182-1 336 3 649 1 268 Closing balance 38 111 46 709 75 568 118 441 119 832 Other interest-bearing bonds Opening balance 59 741 39 440 35 615 35 298 32 152 Issued 19 415 24 470 6 209 1 444 6 182 Repurchased -724-51 -1 249-243 -2 294 Repaid -645-4 048-789 -1 127-1 247 Change in market value 346 99 262-98 34 Changes in exchange rates -367-169 -608 341 471 Closing balance 77 766 59 741 39 440 35 615 35 298 Structured retail bonds Opening balance 18 215 17 588 18 107 19 120 19 470 Issued 1 828 1 799 321 488 1 717 Repaid -1 431-1 986-2 993-1 116-1 682 Change in market value -193 814 2 155-385 -386 Changes in exchange rates -1-2 1 Closing balance 18 418 18 215 17 588 18 107 19 120 Weighted average maturity of wholesale funding 30 Jun 31 Mar 31 Dec (months) 2012 2012 2011 Total (incl. ST-debt) 35 35 35 of which term funding 41 42 41 of which covered bonds 42 42 43 of which senior unsecured 31 32 19 58

Maturity profile, long-term funding Nominal amount, SEKm Domestic covered bonds 1) International covered bonds Senior unsecured bonds Government guaranteed bonds Structured retail bonds 1) Total Q3 2012 388 3 088 1 835 1 617 6 928 Q4 2012 2 321 2 927 4 473 9 721 Q1 2013 11 990 14 720 10 361 1 428 38 499 Q2 2013 40 237 4 487 2 086 922 47 732 Q3 2013 1 176 3 566 648 5 390 Q4 2013 1 620 2 808 2 244 1 092 993 8 757 Q1 2014 1 100 16 978 750 1 055 19 883 Q2 2014 70 263 16 880 878 25 032 1 554 114 607 Q3 2014 16 099 1 698 915 18 712 Q4 2014 2 200 4 076 4 244 1 628 12 148 Q1 2015 50 963 3 171 1 399 1 122 56 655 Q2 2015 12 504 15 604 647 28 755 Q3 2015 32 489 14 634 100 155 47 378 Q4 2015 1 000 1 694 610 3 304 Q1 2016 900 17 840 1 550 649 20 939 Q2 2016 48 417 350 8 899 573 58 239 Q3 2016 9 874 1 500 436 11 810 Q4 2016 1 430 11 153 1 022 430 14 035 Q1 2017 37 463 12 034 12 012 334 61 843 Q2 2017 11 146 166 11 312 Q3 2017 61 88 149 Q4 2017 11 350 1 893 13 243 2018-9 746 30 401 569 100 40 816 Total 309 566 206 658 77 603 36 485 20 543 650 855 1) Including intra-group holdings. FX distribution Nominal amount, SEKm SEK EUR USD CHF Other Total Q3 2012 5 049 1 577 0 0 302 6 928 Q4 2012 6 577 2 453 691 0 0 9 721 Q1 2013 4 968 21 431 10 361 1 274 465 38 499 Q2 2013 44 479 263 0 2 730 260 47 732 Q3 2013 2 448 2 628 0 0 314 5 390 Q4 2013 5 413 482 0 2 184 678 8 757 Q1 2014 2 905 8 937 6 907 1 092 42 19 883 Q2 2014 88 992 24 094 138 728 655 114 607 Q3 2014 2 940 13 405 69 1 274 1 024 18 712 Q4 2014 7 853 876 159 801 2 459 12 148 Q1 2015 54 210 1 402 0 0 1 043 56 655 Q2 2015 4 122 22 380 69 2 184 0 28 755 Q3 2015 33 214 13 914 76 0 174 47 378 Q4 2015 2 933 175 0 0 196 3 304 Q1 2016 3 099 9 331 6 907 0 1 602 20 939 Q2 2016 48 989 9 112 138 0 0 58 239 Q3 2016 1 936 0 6 955 2 548 371 11 810 Q4 2016 1 860 11 153 0 0 1 022 14 035 Q1 2017 41 123 20 720 0 0 0 61 843 Q2 2017 951 0 10 361 0 0 11 312 Q3 2017 88 61 0 0 0 149 Q4 2017 11 350 0 0 1 893 0 13 243 2018-11 716 22 847 0 2 548 3 705 40 816 Total 387 215 187 241 42 831 19 256 14 312 650 855 59

Outstanding benchmark bonds SEK benchmark covered bonds (tap issuance) ISIN code Loan Coupon Maturity date Outstanding amount Outstanding, nominal amount, SEKm 1) number % 30 Jun 2012 31 Mar 2012 31 Dec 2011 30 Sept 2011 30 Jun 2011 31 Mar 2011 SE0002373696 SPI 177 4.75 2013-06-19 40 237 45 987 61 373 61 873 62 373 62 273 SE0000426371 SPI 166 6.75 2014-05-05 70 257 70 257 70 257 68 257 63 007 44 577 SE0003041045 SPI 182 3.75 2015-03-18 50 963 50 963 50 963 50 713 47 513 47 513 SE0003585785 SPI 183 3.75 2015-09-16 32 489 32 489 32 489 30 239 29 239 24 179 SE0003585793 SPI 184 3.75 2016-06-15 48 209 38 459 30 059 22 009 15 159 6 359 SE0003585801 SPI 185 3.75 2017-03-15 37 463 33 163 33 163 21 813 9 063 5 513 SE0004270007 SPI 186 3.75 2017-12-20 11 350 4 300 SE0002576561 SPI 180 5.70 2020-05-12 9 746 9 736 9 511 8 231 8 000 5 102 1) Including intra-group holdings. Non-SEK benchmark covered bonds ISIN code Coupon Value date Maturity date Issuance Spread Issued amount Issued, nominal amount, EURm % XS0479630013 2.50 2010-01-21 2013-01-21 MS + 39 bps 1 000 XS0554369081 2.00 2010-11-02 2014-01-31 MS + 26 bps 1 000 XS0432619087 4.125 2009-06-09 2014-06-09 MS + 130 bps 1 250 XS0603232165 2.75 2011-03-10 2014-09-10 MS + 30 bps 1 500 XS0517421920 2.50 2010-06-15 2015-06-15 MS + 52 bps 1 100 XS0673599097 2.25 2011-09-07 2015-09-07 MS + 46 bps 1 500 XS0581062675 3.00 2011-01-21 2016-01-21 MS + 44 bps 1 000 XS0455687920 3.625 2009-10-05 2016-10-05 MS + 58 bps 1 250 XS0496542787 3.375 2010-03-22 2017-03-22 MS + 57 bps 1 100 ISIN code Coupon Value date Maturity date Issuance Spread Issued amount Issued, nominal amount, USDm % XS0609425011 (US87020LAB27) 3mUSDLibor + 0.45 2011-03-28 2014-03-28 3mUSDLibor + 45 bps 1 000 XS0609192678 (US87020LAA44) 2.95 2011-03-28 2016-03-28 MS + 71 bps 1 000 XS0670236842 (US87020LAC00) 2.125 2011-08-31 2016-08-31 MS + 82 bps 1 000 XS0762447075 (US87020LAD82) 2.375 2012-03-23 2017-04-05 MS + 105 bps 1 500 ISIN code Coupon Value date Maturity date Issuance Spread Issued amount Issued, nominal amount, CHFm % CH0123031269 3mCHFLibor + 0.22 2011-02-08 2013-02-08 3mCHFLibor + 22 bps 175 CH110741102 1.260 2010-04-22 2013-04-22 MS + 14 bps 375 CH0117529856 3mCHFLibor + 0.30 2010-10-05 2013-10-04 3mCHFLibor + 30 bps 150 CH0124339422 1.125 2011-02-08 2014-02-28 MS + 20 bps 150 CH0128250492 3mCHFLibor + 0.27 2011-05-16 2014-05-16 3mCHFLibor + 27 bps 100 CH0132525293 3mCHFLibor + 0.32 2011-07-15 2014-07-15 3mCHFLibor + 32 bps 175 CH0110878490 1.635 2010-03-29 2015-05-29 MS + 20 bps 300 CH0109730207 2.135 2010-02-26 2016-08-26 MS + 16 bps 350 CH0118532776 1.625 2010-12-08 2017-12-08 MS + 18 bps 260 CH0123069038 2.125 2011-02-08 2021-02-08 MS + 15 bps 100 CH0131220631 2.250 2011-06-21 2021-06-21 MS + 15 bps 100 CH0129918071 2.500 2011-06-03 2022-06-03 MS + 16 bps 150 Benchmark senior unsecured bonds ISIN code Coupon Value date Maturity date Issuance Spread Outstanding Issued, nominal amount, EURm % amount XS0491438429 3.125 2010-03-04 2013-03-04 MS + 133 bps 1 201 XS0768453101 2.375 2012-04-04 2016-04-04 MS + 107 bps 1 000 XS0740788699 3.375 2012-02-02 2017-02-09 MS + 183 bps 1 000 XS0794246925 1.75 2012-06-18 2015-06-18 MS + 85 bps 1 250 60

Outstanding short-term funding Programme Outstanding volumes Outstanding, nominal SEKm Limit 30 Jun 2012 31 Mar 2012 31 Dec 2011 30 Sept 2011 30 Jun 2011 31 Mar 2011 Swedbank AB Domestic CP SEK 80bn 5 421 2 777 451 1 075 1 775 1 850 European CP/CD EUR 6bn 43 553 49 317 42 660 34 673 18 260 21 696 USCP USD 15bn 42 142 40 304 46 952 55 693 54 763 37 136 Yankee CD USD 10bn 22 727 27 746 30 391 23 504 17 002 26 453 French CD EUR 4bn 4 240 4 213 2 441 Finnish CD EUR 4bn 999 619 624 785 Swedbank Mortgage AB Domestic CP SEK 50bn 3 377 7 620 2 910 2 321 775 1 350 Total, Group 122 459 132 596 126 429 118 051 92 575 88 485 61

Cover pool data Cover pool 1) 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 2012 2012 2011 2011 2011 2011 Total assets in the cover pool, SEKbn 2) 686.5 678.4 669.8 660.9 652.6 642.9 Number of borrowers 1 143 372 1 145 570 1 146 976 1 148 388 1 145 690 1 147 391 Number of properties 750 401 750 458 750 742 750 429 748 235 748 513 Average loan size, SEK 435 316 434 925 426 544 422 313 423 144 418 803 Number of loans outstanding 1 577 071 1 559 777 1 570 199 1 565 019 1 542 161 1 535 061 Over-collateralisation level 30.1% 28.5% 28.7% 24.5% 29.0% 27.0% Average seasoning 61 months 60 months 60 months 59 months 58 months 57 months Type of loans in the pool Residentials 91.0% 90.9% 90.9% 91.2% 91.1% 90.9% of which Single-family housing 61.1% 61.4% 61.7% 62.2% 61.8% 62.1% of which Tenant owner rights 16.0% 15.9% 15.9% 15.8% 15.9% 15.9% of which Tenant owner associations 9.6% 9.5% 9.4% 9.3% 9.5% 9.0% of which Multi-family housing 4.3% 4.1% 3.9% 3.9% 3.9% 3.9% Public 3) 1.6% 1.7% 1.8% 1.8% 1.9% 2.1% Commercial 0.2% 0.2% 0.1% 0.1% 0.1% 0.1% Forestry & Agriculture 7.2% 7.2% 7.2% 6.9% 6.9% 6.9% Supplemental assets 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% Loan-to-value (LTV) Weighted Average LTV (property level) 59% 59% 57% 57% 57% 56% Single-family housing 60% 60% 58% 57% 57% 57% Tenant owner rights 64% 65% 63% 64% 63% 64% Tenant owner associations 50% 50% 49% 49% 49% 49% Multi-family housing 60% 59% 58% 58% 58% 58% Commercial 48% 50% 47% 46% 47% 47% Forestry & Agriculture 51% 48% 48% 48% 47% 46% Public 3) n.a. n.a. n.a. n.a. n.a. n.a. Weighted Average LTV distribution 3), 4) LTV % 00-10 19.8% 19.9% 20.4% 20.5% 20.6% 20.7% 10-20 18.3% 18.4% 18.9% 19.0% 19.0% 19.1% 20-30 16.4% 16.4% 16.8% 16.8% 16.9% 16.9% 30-40 14.2% 14.2% 14.4% 14.4% 14.4% 14.4% 40-50 12.0% 12.0% 12.0% 12.0% 11.9% 11.9% 50-60 9.7% 9.6% 9.5% 9.5% 9.4% 9.4% 60-70 7.0% 7.0% 6.4% 6.4% 6.3% 6.2% 70-75 2.6% 2.5% 1.6% 1.4% 1.4% 1.4% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% LTV calculation The calculation of the weighted average loan-to-value (WA LTV) for Swedbank's cover pool follows the method defined by the Association of Swedish Covered Bond Issuers (ASCB). In Sweden, one property can be financed with more than one mortgage. The ASCB LTV definition accounts for the highest LTV among all issued mortgages against a specific property. Public loans are not backed by property collateral, but rather government guarantees, and are hence not part of the LTV calculations. The presentation of the LTV distribution accounts for the total volume of mortgages within each LTV bracket. E.g. a loan with a LTV of 50% is sliced and accounted for in equal parts, in all LTV brackets up to 50%. For more detailed description of the ASCB LTV definition, please visit www.ascb.se. When calculating eligible loan amounts in the cover pool, the value component of the LTV is adjusted upwards only when a price increase can be statistically verified and only limited to certain single family properties. Statistically verified property price declines are however always taken into account, on all property types, when calculating eligible loan amounts in the cover pool. 1) Type of pool: Dynamic. 2) Loans originated by Swedbank and the independent savings banks under a specific cooperation agreement. 3) Public loans are guaranteed either by a Swedish municipality or the state and have therefore no LTV assigned to them. 4) As defined by the Association of Swedish Covered Bond Issuers (www.ascb.se). 62

Cover pool data, cont. Geographical distribution - Sweden 100% 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 2012 2012 2011 2011 2011 2011 North 6.8% 6.8% 6.8% 6.8% 6.8% 6.8% Norrbotten county (BD) 1.5% 1.6% 1.6% 1.6% 1.6% 1.6% Västerbotten county (AC) 2.5% 2.4% 2.4% 2.4% 2.4% 2.5% Västernorrland county (Y) 1.6% 1.6% 1.6% 1.6% 1.6% 1.5% Jämtland county (Z) 1.2% 1.2% 1.2% 1.2% 1.2% 1.2% Middle (including Stockholm) 44.4% 44.5% 44.7% 44.9% 45.1% 45.2% Dalarna county (W) 2.3% 2.4% 2.4% 2.4% 2.4% 2.4% Gävleborg county (X) 2.2% 2.3% 2.3% 2.3% 2.3% 2.3% Värmland county (S) 2.3% 2.3% 2.3% 2.3% 2.3% 2.3% Örebro county (T) 2.6% 2.7% 2.6% 2.6% 2.6% 2.6% Västmanland county (U) 2.7% 2.7% 2.7% 2.7% 2.8% 2.8% Uppsala county ( C) 4.0% 4.1% 4.1% 4.1% 4.1% 4.1% Södermanland county (D) 2.7% 2.6% 2.7% 2.7% 2.7% 2.7% Stockholm county (including Stockholm) (AB) 25.6% 25.4% 25.6% 25.7% 26.0% 25.9% South (including Göteborg and Malmö) 48.8% 48.7% 48.5% 48.4% 48.1% 48.0% Västra götaland county (Including Göteborg) (O) 17.0% 16.9% 16.9% 16.8% 16.7% 16.6% Östergötland county (E) 4.1% 4.1% 4.1% 4.1% 4.0% 4.1% Jönköping county (F) 3.7% 3.7% 3.7% 3.7% 3.7% 3.7% Halland county (N) 3.5% 3.5% 3.5% 3.5% 3.4% 3.4% Kronoberg county (G) 2.3% 2.3% 2.3% 2.3% 2.3% 2.3% Kalmar county (H) 3.4% 3.4% 3.3% 3.3% 3.3% 3.3% Skåne county (including Malmö) (M) 12.4% 12.4% 12.4% 12.4% 12.4% 12.4% Blekinge county (K) 1.8% 1.8% 1.8% 1.8% 1.7% 1.7% Gotland county (I) 0.6% 0.6% 0.6% 0.6% 0.6% 0.6% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% Interest rate fixing, floating/ fixed, current 1) Floating, reset in < 365 days 60% 60% 60% 62% 63% 64% Fixed, reset period 1-2Y 16% 16% 17% 16% 16% 15% Fixed, reset period 2-5Y 22% 22% 20% 19% 18% 18% Fixed, reset period > 5Y 2% 2% 3% 3% 3% 3% Repayment structure, on property level Amortising 44% 44% 46% 46% 47% 47% Interest only 56% 56% 54% 54% 53% 53% Seasoning structure 2012 2011 2010 2009 2008 2007 2006 2005 <2005 Year of loan origination 8% 13% 13% 12% 9% 10% 8% 7% 21% Collateral ranking 2) as % of total cover pool Total 0-10% 10-20% 20-30% 30-40% 40-50% 50-60% 60-70% 70-75% No prior ranks 96.1% 19.4% 17.6% 15.6% 13.5% 11.4% 9.3% 6.8% 2.5% Prior ranks 3.9% 0.4% 0.7% 0.8% 0.7% 0.6% 0.4% 0.2% 0.1% Total 100.0% 19.8% 18.3% 16.4% 14.2% 12.0% 9.7% 7.0% 2.6% Loans past due < 60 days Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3 Q2 as % of the total cover pool 3) 2012 2012 2011 2011 2011 2011 2010 2010 2010 Total 0-60 days 0.15% 0.13% 0.13% 0.12% 0.14% 0.13% 0.11% 0.09% 0.14% of which 0-30 days 0.12% 0.10% 0.09% 0.09% 0.11% 0.13% 0.09% 0.08% 0.13% of which 31-60 days 0.03% 0.03% 0.04% 0.03% 0.03% 0.00% 0.02% 0.01% 0.01% 1) Distribution by refixing period as percentage of total cover pool. 2) No prior ranks indicates that the loan will be repaid out of the collateral proceeds in the event of a forced sale, prior to any other claim secured by a contractual pledge over the same collateral being repaid. Prior ranks indicates that there are other claims secured by a contractual pledge over the same collateral which will be repaid prior to the loan. Please note that under Swedish law there are restrictions regarding expansion of prior ranks at the expense of claims with subsequent ranks. 3) Loans past due > 60 days are not eligible for the cover pool. 63