Handelsbanken’s Interim Report January

Summary January – September 2013, compared with January – September 2012

  · The period’s profit after tax for total operations increased by 10% to SEK
10,768 million (9,754) and earnings per share increased to SEK 16.97 (15.55)
  · Operating profit increased by 4% to SEK 13,630 million (13,160)
  · Return on equity for total operations increased to 14.2% (14.0)
  · Income increased by 3% to SEK 27,049 million (26,171)
  · Net interest income rose by 2% to SEK 19,897 million (19,597)
  · The C/I ratio was 46.4% (46.4)
  · The loan loss ratio was 0.07% (0.07)
  · The core tier 1 ratio according to Basel II increased to 19.3% (17.3) and
the total capital ratio rose to 21.7% (20.7)
  · The core tier 1 ratio according to Basel III rose to 18.8%
  · The Bank’s liquidity reserve exceeded SEK 800 billion

Summary of Q3 2013, compared with Q2 2013

  · The period’s profit after tax for total operations decreased by 2% to
SEK 3,607 million (3,695) and earnings per share were SEK 5.68 (5.82)
  · Operating profit decreased by 3% to SEK 4,571 million (4,723) due to a
seasonal fall in income
  · Return on equity for total operations decreased to 14.2% (15.1)
  · Income fell by 3% to SEK 9,009 million (9,240)
  · Net interest income rose in all home markets outside Sweden by a total of 6%
  · Expenses decreased by 1% to SEK ‑4,157 million (-4,215)
  · The loan loss ratio fell to 0.06% (0.07)

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

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 23 October 2013, at 06.30
CET.

For more information about Handelsbanken, please go to: www.handelsbanken.com
Handelsbanken’s Interim Report January– September 2013

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