Swedbank Green bond

Investor presentation

May 2021

© Swedbank

Disclaimer, page 1of 2

2

• By reading the following slides, you agree to be bound by the following limitations.

• The information contained in this document has not been independently verified and no representation or warranty, express or implied, is made as to, and no reliance should be placed on, the

fairness, accuracy, completeness or correctness of the information or opinions contained herein. The information set out herein may be subject to updating, revision, verification and

amendment and such information may change materially. Neither Swedbank AB (publ) nor any of its affiliates including Swedbank Mortgage AB (publ) (jointly referred to as “Swedbank”) are

under any obligation to update or keep current the information contained in this document or in the presentation to which it relates and any opinions expressed in them is subject to change

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• This document does not constitute an offering circular in whole or part. This document is presented solely for information purposes and is not to be construed as a solicitation or an offer to buy

or sell any securities or related financial instruments and should not be treated as giving investment advice. It has no regard to the specific investment objectives, financial situation or particular

needs of any recipient. Any offering of securities would be made by means of a base prospectus that may be obtained from the relevant dealers. Any decision to purchase any securities should

be made solely on the basis of the final terms and conditions of the securities and the information contained in a base prospectus prepared by Swedbank dated 10 May 2021 (the “Base

Prospectus”) in connection with the offering of the securities (including, without limitation, the risk factors contained therein).

• This Presentation is an advertisement and is not a prospectus for the purposes of Regulation (EU) 2017/1129, nor for the purposes of Regulation (EU) 2017/1129 as it forms part of domestic

law by virtue of the EUWA. The Base Prospectus is available on Swedbank’s website (https://www.swedbank.com/investor-relations/debt-investors/funding-programmes.html) and the Final

Terms, when published, will be available on Swedbank’s website (https://www.swedbank.com/investor-relations/debt-investors/final-terms.html).

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violation of United States securities laws. This presentation and the information contained herein are not an offer of securities for sale in the United States.

© Swedbank

Disclaimer, page 2 of 2

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• Under no circumstances shall the information presented herein constitute an offer to sell or the solicitation of an offer to buy nor shall there be any sale of the securities in any jurisdiction in

which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of such jurisdiction. Any such offer would be made only after a prospective

participant had completed its own independent investigation of the relevant transaction, and received all information it required to make its own investment decision, including, where applicable,

a review of any prospectus, prospectus supplement, offering circular or memorandum describing such security or instrument. That information would supersede this material and contain

information not contained herein and to which prospective participants are referred. We have no obligation to tell you when information herein is stale or may change, nor are we obligated to

provide updated information.

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you are not relying on Swedbank for) legal, tax or accounting advise, (b) there may be legal, tax or accounting risks associated with the securities in this document, (c) you should receive (and

rely on) separate and qualified legal, tax and accounting advice, and (d) you should appraise senior management in your organization as to such legal, tax and accounting advice (and risks

associated with the securities) and this disclaimer to these matters.

• This presentation includes statements that are, or may be deemed to be, “forward-looking statements”. These forward-looking statements can be identified by the use of forward-looking

terminology, including the terms “anticipates”, “believes”, “estimates”, “expects”, “aims”, “continues”, “intends”, “may”, “plans”, “considers”, “projects”, “should” or “will”, or, in each case, their

negative or other variations or comparable terminology, or by discussions of strategy, plans, objectives, goals, future events or intentions. These forward-looking statements include all matters

that are not historical facts. They appear in a number of places and include, but are not limited to, statements regarding Swedbank’s intentions, beliefs or current expectations concerning,

amongst other things, results of operations, financial positions, prospects, growth, strategies and expectations of the banking industry and Swedish mortgage market.

• By their nature, forward-looking statements involve risk and uncertainty, because they relate to future events and circumstances. Forward-looking statements are not guarantees of future

performance, and the actual results, performance, achievements or industry results of Swedbank’s operations, results of operations, financial position and the development of the markets and

the industry in which they operate or are likely to operate and their respective operations may differ materially from those described in, or suggested by, the forward-looking statements

contained in this presentation. In addition, even if the operations, results of operations, financial position and the development of the markets and the industry in which Swedbank operates are

consistent with the forward-looking statements contained in this document, those results or developments may not be indicative of results or developments in subsequent periods. A number of

factors could cause results and developments to differ materially from those expressed or implied by the forward-looking statements including, without limitation, general economic and business

conditions, industry trends, competition, prices in the residential mortgage industry, changes in regulation, currency fluctuations.

• Forward-looking statements may, and often do, differ materially from actual results. Any forward-looking statements in this document reflect Swedbank’s current view with respect to future

events and are subject to risks relating to future events and other risks, uncertainties and assumptions relating to Swedbank’s financial position, prospects, operations, results of operations,

growth, strategy and expectations of the residential mortgage industry. Any forward-looking statement speaks only as of the date on which it is made. New factors will emerge in the future, and

it is not possible for Swedbank to predict which factors they will be. In addition, Swedbank cannot assess the impact of each factor on its business or the extent to which any factor, or

combination of factors, may cause actual results to differ materially from those described in any forward-looking statements.

Swedbank- a sustainable bank

© Swedbank

StrategicDirection

5

© Swedbank

Sustainability is at the centre of our Strategic Direction

6

By 2050, Swedbank has committed to carbon neutrality and interim target setting (Net Zero Banking Alliance, NZBA)

By 2040, The aggregate fund capital managed by Swedbank Robur will be placed in carbon neutral investments

By 2030, Reduce Swedbank’s direct greenhouse gas emissions by 60 per cent (base year 2019)

By 2025, Reduce energy consumption in the bank’s premises by 15 per cent (with interim 10% by 2021, base year 2017)

A strong commitment to sustainability is one of the most important strategic targets that the bank has set up

Sustainability Targets

© Swedbank

Sustainability governance

7

CommitmentsFrameworks &

GuidelinesGovernance

• UN Global Compact

• UN Environmental Programme for the

Financial Sector

• UN Framework on Business and

Human Rights

• Financial Coalition against

Commercial Sexual Exploitation of

Children

• UN Principles for Responsible

Investments

• Montreal Carbon Pledge

• Global Investment Performance

Standards

• Policies

– Sustainability Policy

– Equality and diversity

– Credit policy

– Policy on Human Rights

– Environmental Policy

– Anti-corruption Policy

– AML

– CTF and KYC Declaration

– Tax Policy

• Position statements

– Paper Defense Equipment

– Statement Climate Change

– Exclusion list of companies that

Swedbank Group does not

finance or invest in

• Code of Conduct

• Sector Guidelines

• Board of directors are ultimately

responsible for governance of

Swedbank’s sustainability work

• CEO decides on the Group’s position

statements

• Swedbank’s Business Ethics Council

addresses issues where business

ethics and sustainability are critical

factors in business decisions

• ISO 14001 compliant environmental

management system

• Strategy and goals

Reporting

• Annual and Sustainability Report

– NFRD

– TCFD

– PRB Self - Assessment

• Sustainability Fact Book

• UN Communication on Progress

• Green Bond Impact Report

• Swedbank Robur Climate Report

• Swedbank Robur Sustainable

investments

• Swedbank Robur PRI Report

• International commitments:

− Net Zero Banking Alliance (NZBA)

− Equator Principles

− Principles for Responsible Banking

(PRB)

− Science Based Targets initiative

− Task Force on Climate related

Financial Disclosures (TCFD)

− UN Women’s Empowerment

Principles

− UN Global Compact

− UN Guiding Principles on Business

and Human Rights

− Climate Action 100+ (Swedbank

Robur)

− Finance for Biodiversity (Swedbank

Robur)

− International Corporate Governance

Network (ICGN) (Swedbank Robur)

− Principles for Responsible Invest-

ments (PRI) (Swedbank Robur)

− Net Zero Asset Managers Initiative

(Swedbank Robur)

• Policies, examples:

– Anti-corruption

– Anti-money laundering and counter

terrorist financing

– Credit

– Diversity and inclusion

– Environmental

– Financial reporting, transparency and

tax

– Human Rights

– Responsible investments

– Sustainability

• Position statements:

– Statement Defense Equipment

– Statement Climate Change

– Exclusion list of companies

• Code of Conduct

• Supplier Code of Conduct

• Sector Guidelines

• Board - accountable for governing

sustainability aspects in Swedbank

business through policies

• CEO - accountable for the Group’s

position statements

• Group Sustainability - supports,

governs and manages through

monitoring, following-up and reporting

across the Group. Accountable for Sector

Guidelines

• Swedbank’s Sustainability Committee

- guiding and adding recommendations

in decisions where sustainability and

business ethics are critical aspects

• Green Bond Committee – governs

green asset inclusion towards asset

register (chaired by Head of Group

Sustainability)

• ISO14001:2015 - certified EMS

• Sustainable business strategy and

targets

© Swedbank

Sustainable value creation Long-term sustainability equals long-term profitability

8

Empower our customers to make

sustainable choices

KEY MESSAGES

▪ We empower the many

people and businesses

to create a better future

▪ A new proactive role of

banking is emerging• Set corporate level targets in

alignment with Paris Agreement

and the fulfillment of the UN

SDGs

• Provision of finance to

investments with environmental,

social and governance

considerations

• Empower the many people to

create a better future by

supporting sustainable choices

• Offer sustainable savings,

green mortgages, solar cell

loans

• Empower the many Businesses to

create a better future by supporting

the transformation

• Offer green loans, sustainability

improvement loans, ESG-bonds,

renewable energy investments

• The UN SDGs: 17 global goals

• United Nations General

Assembly’s vision of society in

2030

• Committed to SDGs 4, 8, 12,

16

▪ The Paris Agreement

and UN SDGs

determine the future

operating environment

• Limit global warming

• Align finance flows with low

greenhouse gas emissions

and climate-resilient

development

Swedbank included in:

✓ Dow Jones Sustainability Index

✓ FTSE4Good Index

✓ Bloomberg Gender – Equality Index

© Swedbank

Two hundred years of working with sustainability

9

1980 2003

First SRI mutual fund

launched – excluding

sectors deemed

unethical

First listed Nordic bank to

receive ISO 14001 certification

for its Environmental

Management System

1820

Swedbank’s first Group-

wide sustainability report

complying with GRI G4

2014 2015

Headquarters in

Stockholm received EU

Green Building

certification

Achieved target to

reduce CO2 emissions

by 50% from 2010

2013

Sustainability Report

integrated in the Annual

Report

Group-wide exclusion of

companies whose coal

revenues exceed 30% of

turnover

2016 2017

Inaugural Swedbank

Green Bond issued

Launched Global

Impact Fund

2018

Ensuring a secure

operating environment

✓ Proactive strategy to information

security

✓ Systematic approach to AML with

same governance and processes

in all our home markets

✓ Low losses related to operational

risks

Commitment to govern

with impact

✓ UN Principles for Responsible

Banking – Founding Signatory

✓ TCFD Supporter and committed to

Science Based Target initiative

✓ Committed to SDGs 4, 8, 12, 16

✓ Member of UNEPFI Energy

Efficiency Finance Platform

✓ Aiming to reduce CO2 emissions

by 60% 2019-2030

Help our customers to

make sustainable

decisions

✓ Green mortgages

✓ Unique SDG fund (Global Impact

Fund)

✓ Market leading Green Bond

Nordic bookrunner

✓ Developed indicators to assess

progress towards the SDGs in our

home markets

Our legacy – roots, values

& conduct

✓ Sweden’s first savings bank in

1820 combating poverty

✓ Increasing financial literacy in

society

✓ Supporting development of

financial infrastructure in our

home markets

✓ Inclusive bank

✓ Our core values: Open, Simple,

Caring

2014

Swedbank acquired a majority

stake in Hansabank in the

Baltics

1998

Swedbank is the first

savings bank

established in Sweden

1820

1996

Launched fund investing in

companies with industry

leading environmental focus

2019

Launched Green Loans

and Sustainability

Improvement Loans

Launched

Transition Funds

2019 2020

Launched ‘Paris

Aligned’ Funds

Group-wide exclusion

of companies whose

coal revenues exceed

5% of turnover

© Swedbank

Key Sustainability achievements in 2020

84% 63 2 108

…decrease of Swedbank's

direct carbon footprint 2010-

2020

…number of ESG-bonds arranged

by Swedbank, 24 % of total

volume of bonds that Swedbank

arranged during the year

…Swedbank’s Youth Financial

Literacy sessions in 2020

We empower the

many people and

businesses to

create a better

future

Responsible banking Risk management Long-term asset management Sustainable financing solutions

SEK 23.7bn

…in sustainable financing

provided by Swedbank

Monitoring the exposure in customer segments

that have been identified as having the highest

climate-related risks

Established Key Risk Indicators on the most

exposed parts of lending portfolio regarding

climate risk

Report according to TCFD recommendations

including the carbon footprint of equity funds

Committed to set science based climate targets

Signatory of Equator Principles

Swedbank´s subsidiary Swedbank Robur is

one of the leading asset managers in the

Nordic region, with a vision to be a world

leader in sustainable value creation

Swedbank Robur´s climate targets:

• The combined fund capital will be aligned

with the Paris Agreement’s goal to limit

the global temperature increase to 1.5

degrees Celsius by 2025.

• The combined fund capital will be carbon-

neutral by 2040.

Swedbank Robur will reallocate investments

in the most carbon-intensive sectors in line

with the Paris Agreement requirements

Swedbank encourages sustainable business

models and offers financing products and

services that contribute to the transition to a

more sustainable society.

Swedbank Sustainability Capital Markets

provides advice on green equity, green, social

and sustainability bonds

Two green bonds have been issued by the

bank.

10

52%

…Assets under management

with extended ESG exclusion

criteria and/or positive inclusion

Target for 2021:

Increase sustainable financing to

reduce the bank’s negative impact

on climate change and resource

efficiency.

© Swedbank

Sustainability analysis in lending

11

Corporate credits

Industry

specific questionnaireGeographical assessment Automated ESG risk exposure tool Result

ESG-Score

NACE/SNI-code from the KYCCustomer segmentation

The current sustainability analysis for corporate credit applications in Swedbank is under

development. The aim of the development is to automise some parts of the process and

enable the level and detail of the analysis to vary depending on the size of the customer.

In the lending process sustainability risks are taken into consideration in credit

assessments. A detailed sustainability analysis is done for corporate credits applications

and reviews when the total credit limit is over SEK 8m in Sweden and EUR 0.8m in the

Baltic countries.

ESG risk exposure tool = based on sector specific

information including around 270 subsectors. The tool

reflects ESG risks stemming from the business

operations of the customer. Automated ESG tool for

micro, SSE, SME and Midcrop customers.

Geographical assessment = identifying risks

depending on where in the world the company is

operating

ESG Score: can be used in credit decision and

transition advisory. The ESG score summarizes the

assessments done on a specific customer.

More information

© Swedbank

Swedbank implementation of TCFD recommendations

12

TCFD

portfolio

• Swedbank does not directly finance coal-fired power plants or finance companies that

generate over 5 per cent of their revenue from coal production.

• Swedbank does not to grant new financing for the prospecting of new oil and gas fields

or for unconventional extraction of fossil fuels.

• The position statements serve as the basis of the Group’s exclusion list of companies it

will not work with.

Swedbank's position on climate change

We continually monitor our loan portfolio from the standpoint of climate-related risks and

have implemented the decision not to finance unconventional extraction of fossil fuels and

prospecting of new oil and gas sources, which means our oil-related lending will shrink.

• Support the increased investment need in the transition to a low carbon economy

• Identify, measure and monitor transition and physical climate risks

• Increase climate change awareness and enhance transparent reporting

Important areas for the bank to focus on to mitigate climate risks

© Swedbank

Principles for Responsible BankingCommitment to align business strategy to Paris Agreement and UN SDG:s

13

In 2020 Swedbank conducted its first Portfolio Impact Analysis using the methodology provided by UNEP Financial Initiative.

- Through the analysis, we determined that the bank, through its business, impacts climate change (emissions), resource efficiency (consumption),

access to housing and decent employment.

- The analysis shows that Swedbank, through activities in the real estate and manufacturing sectors, as well as the professional, scientific and technological

sectors, has a positive impact on housing and employment.

- Conversely, there were negative impacts on the areas of climate change and resource efficiency from activities in property management, manufacturing,

agriculture, forestry and fishing, as well as in the energy sector connected with the extraction of fossil fuels.

Portfolio Impact Analysis 2020

Set science based climate targets for the real estate sector that align with the Paris Agreement.

The baseline year is 2020

1

Increase our sustainable finance offering compared with 2020. To achieve this the bank will

work with customers by offering advice & financing solutions to support transition

2

Targets set for 2021 to address our impacts

Through our core business we have both:

• Positive Social impact

• Negative Environmental impact

Key conclusions on impact

© Swedbank

Focus areas in 2021A strategic direction based on sustainability

14

Drive further integration of

sustainability –

in everything we do every day

A financially sound and

sustainable society

Focus on fundamentals – building a robust

sustainable finance offering taking into consideration

compliance, governance and transparency

Focus on customer value creation – empower

customers to make sustainable choices supporting

the transition

Measure environmental and social impact and

performance – develop and set long-term science

based climate targets (SBT)

Swedbank Green Bond Framework

© Swedbank

Swedbank 2017 Green Bond Framework In accordance with Green Bond Principles

• Renewable energy

• Energy efficiency

• Clean transportationUse of Proceeds

• Sustainability Risk Assessment in credit process

• Project selection and Green Asset Application

• Green bond sustainability analysis and recommendation

• Eligible asset approval in Green Bond Committee

Green Asset Selection Process

• Green Asset Register reviewed annually

• Swedbank targets a 20% buffer in the asset pool to accommodate redemptions or amortisation

• Tracking of green bond proceeds

Management of Proceeds

• Annual reporting on the use of proceeds and impact

• Reporting is externally verified to limited assurance by PWCReporting

External Review

16

• Pollution prevention and control

• Sustainable management of living natural resources

• DNV provided an external review on the Green Bond Framework, to confirm its alignment with ICMA Green

Bond Principles (GBP)

© Swedbank

Key Features of the Green Bond Framework

• Green Bonds enable and support sustainable financing by

demonstrating commitment to Swedbank’s overall

sustainability goals

• Swedbank’s current Green Bond Framework is aligned to

the ICMA Green Bond Principles and eligibility criteria are

in line with market practice

• Analysis to map the Framework’s level of alignment to EU

Taxonomy is ongoing

• Pricing benefits from issuance (if any) are directly

channelled back to the businesses engaged in sustainable

financing to further promote lending

• Green Asset Register continues to grow at a good pace,

with the buffer exceeding our target of 20%

17

Outstanding Senior Preferred Green Bonds

18.3

7

20.4

Green Asset Register Green bond proceeds

2020 2021

38.7

Green asset register and utilisation, SEKbn

Green asset buffer

ISIN Currency Issued volume Coupon Maturity

millions % year

XS1711933033 EUR 500 0.25 2022

XS1800143650 SEK 1 000 1.00 2023

XS1800142330 SEK 500 FRN 2023

© Swedbank

Green Asset Register

RenewableEnergy

EnergyEfficiency

Sustainable Management of Living Natural

ResourcesPollution Prevention

and Control

Clean Transportation

Impact indicatorWind

and Solar

Green

Buildings

Sustainable

Forestry

Waste

Management

Clean Public

Transport

Avoided emissions (tCO2e) 589 547 574 780 6 120 8 647

Energy generation (MWh) 2 333 500 1 831 000 502 500

Energy savings (MWh) 19 477 19 477

FSC/ PEFC certified forest area (ha) 26 740 26 740

Certified standing stock (m3) 3 344 000 3 344 000

Waste treated (t) 150 000 150 000

Passenger kilometers (pkm) 94 029 698 94 029 698

Green Bond Impact 2020

18

Avoided emissions

tCO2e/SEKm

Avoided emissions

tCO2e

Green Asset Register as per 31 Dec 2020: 18 344SEKm

• Three new asset categories were added to the Green Asset

Register in 2020: Sustainable Management of Living

Natural Resources, Pollution Prevention and Control, and

Clean Transportation

• The geographic representation of assets has grown to

include all four Swedbank home markets*, in addition to

Norway and Finland

Impact metrics 2020:

Energy efficiency

Renewable energy

Pollution prevention andcontrol

Sustainable managementof living natural resources

Clean transportation

6%

75%

3%1%

15%

* Sweden, Estonia, Latvia and Lithuania

Green bond impact report 2020

© Swedbank

Green Asset Register

Renewable Energy

EnergyEfficiency

Sustainable Management of Living Natural

Resources

Pollution Prevention and Control

Clean Transportation

ProjectsWind

and Solar

Green

Buildings

Sustainable

Forestry

Waste

Management

Clean Public

Transport

Green Asset Register End 2020 18 344 2 730 13 632 563 1 154 265

Green Asset Register YTD 2021 38 733 2 566 34 096 628 1 166 277

---of which Mortgage Portfolio 18 401

Taxonomy alignment estimates Aligned Partially aligned Partially aligned To be defined Not aligned

Green Asset Register and the EU Taxonomy- Based on Swedbank’s preliminary internal assessment ( April, 2021)

Alignment to

technical

screening criteria

of EU Taxonomy

19

• In 2021 Swedbank included Swedish mortgages amounting to 18 401SEKm,

with energy performance certificates (EPC) level A and B

• Energy performance certificates (EPC) level A and B correspond to 7% of

Sweden’s national stock (Swedbank equivalent 7.5%)

• Taxonomy Technical screening criteria (TSC):

“For buildings built before 31 December 2020, the building has at least an Energy

Performance Certificate (EPC) class A. As an alternative, the building is within the top

15% of the national or regional building stock expressed as operational Primary Energy

Demand (PED) and demonstrated by adequate evidence, which at least compares the

performance of the relevant asset to the performance of the national or regional stock

built before 31 December 2020 and at least distinguishes between residential and non-

residential buildings”.

EPC: SEKm: Taxonomy assessment:

EPC A 2 323 EPC level A TSC aligned

EPC B 16 078 EPC level B TSC partially aligned

-- of which EPC post- Jan 2019 7 263Estimated to be aligned based on top 15% of

national stock (using PED)

-- of which EPC pre- Jan 2019 8 815Yet to be determined as energy performance

measured using the older methodology in Sweden

“Specific Energy”

Details on the mortgage portfolio inclusion

© Swedbank

Swedbank Green Bond

20

Overview of target transaction

• Issuer: Swedbank AB

• Type: Senior Non-Preferred note

• Currency: EUR

• Targeted volume: Benchmark size

• Tenor: 6NC5

• Coupon: Fixed

• Expected rating: A-/A+/Baa1 (S&P/Fitch/Moody’s)

• ESG ratings

© Swedbank

Swedbank – contacts and financial calendar

21

Peter Stenborn Magnus Alvesson Karolina Skog

Investor Relations Officer, Debt Investor Relations Officer, Debt and Rating Investor Relations Officer, ESG

Mobile: +46 706 76 60 92 Mobile: +46 706 10 33 41 Mobile: +46 702 25 05 89

peter.stenborn@swedbank.com magnus.alvesson@swedbank.com karolina.skog@swedbank.com

Gregori Karamouzis Ulf Jakobsson Kerstin Ahlqvist

Head of Group Treasury Head of Funding Head of long-term Funding

Mobile: +46 727 40 63 38 Tel: +46 8 700 90 61 Tel: +46 8 700 98 90

gregori.karamouzis@swedbank.com ulf.jakobsson@swedbank.se kerstin.ahlqvist@swedbank.se

Q2 Interim report, 2021 16 Jul 2021

Q3 Interim report, 2021 21 Oct 2021

ir@swedbank.com

www.swedbank.com/investor-relations/debt-investor

Swedbank AB (publ) Landsvägen 40,

SE-105 34 Stockholm, Sweden Sundbyberg

Contact Investor Relations:

Financial calendar

Postal address: Visitors:

Group Treasury

Investor Relations

Useful links:

Green Bond Framework

Green Bond Website

Q1 2021 Investor presentation

Second party opinion

ESG Fact book

Green Bond Impact Report 2020