Handelsbanken's interim report January

Summary January - September 2012, compared with January - September 2011

  * Operating profit increased by 9 per cent to SEK 13,504 million (12,426)
  * The period's profit after tax for total operations went up by 8 per cent to
    SEK 10,008 million (9,277) and earnings per share increased by 7 per cent to
    SEK 15.95 (14.90)
  * Operating profit in Branch office operations outside Sweden went up by 50
    per cent and in the Swedish branch office operations by 6 per cent
  * Equity rose by 10 per cent, while return on equity for total operations was
    more or less unchanged at 13.7 per cent (13.8)
  * Income increased by 7 per cent to SEK 26,171 million (24,435)
  * Net interest income rose by 14 per cent to SEK 19,597 million (17,256)
  * The C/I ratio improved to 45.1 per cent (46.8)
  * The loan loss ratio was 0.07 per cent (0.05)
  * The tier 1 capital ratio in Basel II rose to 20.5 per cent (17.4) and the
    core tier 1 capital ratio increased to 17.9 per cent (14.7)
  * All bonds maturing up to and including the end of 2013 have been prefinanced
    and the Bank's liquidity reserve exceeded SEK 750 billion
  * Twenty new branches were opened in the UK bringing the total to 124 and a
    further 13 are in the opening phase


Summary of Q3 2012, compared with Q2 2012

  * Operating profit declined by 3 per cent, for seasonal reasons, to SEK 4,405
    million (4,528) and increased by 1 per cent compared with the third quarter
    of 2011
  * Operating profit for Branch office operations outside Sweden, the
    individually best quarterly result, rose by 8 per cent in local currency
  * Income amounted to SEK 8,466 million (8,839)
  * The C/I ratio improved to 44.7 per cent (45.5) in the Group and to 32.9 per
    cent (34.4) in the Swedish branch operations
  * The period's profit after tax for total operations decreased by 5 per cent
    to SEK 3,246 million (3,414) and earnings per share were SEK 5.15 (5.44)
  * Return on equity for total operations was 13.2 per cent (14.4)
  * The loan loss ratio was unchanged at 0.07 per cent (0.07)


The full report can be down loaded here:
http://hugin.info/1225/R/1650903/532467.pdf

The full interim report and the slide presentation for today's press conference
will be available on the Bank's website www.handelsbanken.se/ireng from 07.00
CET.

For more information about Handelsbanken, please go to www.handelsbanken.com

For further information, please contact:
Pär Boman, 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 22 October 2012, at 07.00
CET.

[HUG#1650900]
Handelsbanken's interim report January - September 2012

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