Debt investors

Access to the funding and liquidity markets is vital in all circumstances.

SEB’s funding consists of deposits from customers as well as long-term and short-term funding in the financial markets.

Our funding and liquidity strategy is managed from three perspectives:

optimising the liquidity structure of the balance sheet to ensure that less liquid assets are matched with stable funding
monitoring wholesale funding dependence
ensuring that the bank has sufficient liquidity reserves to withstand a severely stressed scenario

Product *	<1y	1-2y	2-3y	3-4y	4-5y	5-7y	7-10y	>10y	Total
Mortgage covered bonds, SEK	51	54	51	51	30	12	1	3	253
Mortgage covered bonds, non-SEK	0	11	13	0	23	17	0	0	64
Senior unsecured	30	22	35	18	0	0	0	1	106
Senior non-preferred	0	0	0	26	21	19	0	0	66
Subordinated debt **	9	0	9	5	5	0	0	0	29
Total	91	87	108	99	79	47	1	4	518

* Excluding public covered bonds.
** Tier 2 and Additional Tier 1 issues assumed to be called at first call date.

SEB is rated by Fitch, Moody’s and S&P Global. Moody’s also rates SEB’s covered bonds.

Here you can download the latest investor presentation.

Here you can find information about SEB’s outstanding debt instruments.

SEB's funding programs include a global MTN program for covered bonds, senior debt and subordinated debt and a SEK MTN program for SEK covered bonds.

As part of its wholesale funding, SEB issues covered bonds, which are secured by Swedish residential mortgages.

SEB is recognised as a pioneer in the green bond market through a close collaboration with the World Bank in 2007/2008.