Handelsbanken’s Interim Report January

Summary January – September 2015, compared with January – September 2014

  · Operating profit grew to SEK 14,942m (14,901)
  · The period’s profit after tax for total operations was unchanged at SEK
11,842m (11,842)
  · Earnings per share for total operations were SEK 6.21 (6.21)
  · The common equity tier 1 ratio according to CRD IV increased to 21.4% (20.7)
and the total capital ratio rose to 27.4% (25.6)
  · Return on equity for total operations decreased to 13.1% (14.1)
  · Moody’s upgraded Handelsbanken’s long-term credit rating to Aa2, and thus
the Bank has the highest rating in the Nordic countries of all peer banks
  · Income increased by 2% to SEK 29,427m (28,758)
  · Net interest income went up by 2% to SEK 20,769m (20,361) and in the UK, net
interest income increased by 33%
  · Net fee and commission income grew by 10% to SEK 6,977m (6,328)
  · The Bank was the largest player for new savings on the mutual funds market
in Sweden
  · The C/I ratio rose to 45.4% (44.4)
  · The loan loss ratio was 0.08% (0.08)

Summary of Q3 2015, compared with Q2 2015

  · Operating profit fell by 10% to SEK 4,731m (5,256)
  · The period’s profit after tax for total operations decreased by 10% to SEK
3,758m (4,173), and earnings per share fell to SEK 1.97 (2.19)
  · Return on equity for total operations declined to 12.7% (14.5)
  · Income fell by 7% to SEK 9,461m (10,221)
  · The C/I ratio was 45.2% (45.1)
  · The loan loss ratio was 0.10% (0.08)

The slide presentation for today’s press conference will be available at 06.30
CET at handelsbanken.se/ireng

For further information, please contact:
Frank Vang-Jensen, President and Group Chief Executive
Tel: +46 (0)8 22 92 20

Ulf Riese, CFO
Tel: +46 (0)8 22 92 20

Mikael Hallåker, Head of Investor Relations
Tel: +46 (0)8 701 29 95, miha11 @ handelsbanken.se

Handelsbanken discloses the information provided herein pursuant to the
Securities Markets Act. Submitted for publication on 21 October 2015, at 06.30
CET.

For more information about Handelsbanken, please go to: handelsbanken.com
Handelsbanken’s Interim Report January – September 2015

Anhänge
