1. Marlow Chamber of Commerce 24th April 2017
Presentation for
Marlow Chamber of Commerce
24th April 2017

2. The essence of Handelsbanken
Focus on long-term relationships and customer satisfaction
Genuine local decision-making
A wide range of competitive banking and wealth management products and services for Corporate and Individual customers
Prudent, long-term approach and financial stability

3. Long-term relationships
See the customer’s needs
Relationships – not transactions
Direct access to your account manager
Supported by specialist expertise wherever required
Digital and telephone services that support the branch relationship and increase our availability
Long-term view

4. The most satisfied customers
Individuals
Businesses % %
Ranked top for customer satisfaction and loyalty, for the eighth year running, in an independent survey of UK bank customers.
Source: EPSI Rating UK 2016

5. Genuine local decision-making
The branch is the bank
The branch is responsible for all customers, credit decisions and pricing
Approx 95% of all credit decisions in Handelsbanken are made at local level
Local branches who know their patch
Focus on personal contact
Tailored decisions based on individual circumstances and local knowledge
Speed of decisions
Central Departments and Business Areas
Regional
Banks
Branches
CUSTOMER

6. Wide range of banking products
Corporate customers
Day-to-day transactional banking
Online and mobile banking
Currency accounts
Cash pools
Commercial cards
Domestic and international payment
Counter services via an agency arrangement
Working capital funding, long term lending and transaction finance
Invoice discounting
Import/Export finance
Asset finance
Treasury services
Foreign exchange (available via online platform if required)
Currency and interest rate hedging
Bonds and guarantees
Individual customers
Online and mobile banking
Current accounts and overdrafts
Savings accounts
Cheque books
Cards
Mortgages
Loans, including:
Buy-to-let loans
Pension lending
Partnership capital loans
Trust facilities
Investment portfolio funding
Wealth management services
Retirement and inheritance advice
Efficient tax planning
Discretionary investment
Tax efficient ISA and pensions

7. Wealth management services
Flexible delivery of services to meet a broad range of customers’ wealth management requirements throughout their lives.
Provided by experienced Handelsbanken Wealth Management financial advisers, or available via online Self-Select services.
Personalised advice solutions to cover, retirement, pensions, inheritance and tax planning.
Global multi-asset investment solutions provided through our investment specialists at Heartwood Investment Management, who are an award winning boutique with a strong track record in delivering dependable investment returns over the long term:
Private Asset Managers Awards ( )
Citywire Wealth Manager awards (2014)
WealthBriefing European Awards (2013)
Past performance should not be seen as a reliable indicator of future performance.

8. Financial stability: Moody’s rating of UK banks
Long term
Outlook
Short term
Svenska Handelsbanken
Aa2
Stable
P-1
HSBC Bank plc
Negative
Santander UK plc
Aa3
Barclays Bank plc A1
Lloyds Bank plc
RBS plc A3
Positive
P-2
Clydesdale Bank plc
Baa2
Source: Moody’s 10th April 2017
Handelsbanken is also rated AA by Fitch and AA- by Standard & Poor’s as at April 2017

9. The world’s fourth safest commercial bank
Handelsbanken was named the world's fourth safest commercial bank, by Global Finance magazine*
*Global Finance: World's Safest Banks, November 2016
Global Finance is a monthly magazine covering worldwide economic, financial and political issues from a global corporate perspective. Each year it publishes a ranking of the world's safest commercial banks, based on long-term currency ratings issued by Fitch, Standard & Poor's and Moody's Investors Service for the last annual reporting period.
For the purpose of this ranking, commercial banks are defined as those that are not majority-owned by governments and not sponsored by governments or regional bodies.

10. Prudent, long-term approach
A conservative lending policy
The assessment starts with the borrower’s repayment capacity
Understanding of prevailing local market conditions
Credits must normally be adequately secured
No product or volume goals
No short-term bonuses linked to targets
Lower loan losses than other major banks*
One of the most cost-effective listed full-service banks in Europe**
*Source: SNL
**Source: Reuters

11. A responsible, sustainable business
Sustainability is a key part of our concept for a successful bank
Understanding our role in the community
Acting responsibly where we can make a difference, directly or indirectly
Living up to our financial, social and environmental responsibilities...
...and the expectations of our stakeholders
Winner: Corporate responsibility/ environment

12. To summarise The branch is the bank
Local decisions tailored to the customer’s needs
More satisfied customers than our competitors
Prudently run and financially sound
A universal bank with a full product range

13. Award recognition Winner: Bank of the Year
Most Admired Company (banking sector) 2016, commended 2014 & 2015

14. “Our advice must always be what is best for the customer, not what is most profitable for the bank at that time”

15. Important information
Tax treatment depends on the individual circumstances of each client and may be subject to change in the future.
Handelsbanken is the trading name of Svenska Handelsbanken AB (publ). Registered Office: Svenska Handelsbanken AB (publ), 3 Thomas More Square, London, E1W 1WY. Registered in England and Wales No, BR Incorporated in Sweden with limited liability. Registered in Sweden No, Head Office in Stockholm. Authorised by the Swedish Financial Supervisory Authority (Finansinspektionen) and the Prudential Regulation Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of our authorisation and regulation by the Prudential Regulation Authority, and regulation by the Financial Conduct Authority are available from us on request.
Handelsbanken Wealth Management and Heartwood Investment Management are trading names of Heartwood Wealth Management Ltd which is authorised and regulated by the Financial Conduct Authority (FCA) in the conduct of investment business, and is a wholly-owned subsidiary of Svenska Handelsbanken AB (publ). Tax advice which does not contain any investment element is not regulated by the FCA. Registered Head Office: No.1 Kingsway, London WC2B 6AN. Registered in England No: All investments carry an element of risk. The value of any investment and the income from it is not guaranteed and can fall as well as rise, so that you may not realise the amount originally invested. 

16. Appendices Appendix content: A growing UK branch network
A strong, established universal bank
Strong capital base
Customer satisfaction (Businesses and Individuals) 3 year trend
Business Banking Insight survey: rated best for SMEs
History of Svenska Handelsbanken
International presence
Management continuity - a long-standing tradition

17. An established UK branch network
1988
London, Moorgate
1989
Manchester - Spinningfields
1994
Birmingham - Temple Row
2000
Nottingham - Ropewalk
2001
Leeds, Wellington St
Reading
2002
Bristol – Queen square
Newcastle upon Tyne
2003
Cardiff
Southampton
Hull - Hesslewood
Norwich
2004
Guildford
Stoke
Chelmsford
2005
Liverpool – Exchange Station
Bournemouth
Plymouth
Maidstone
Cambridge – Milton Road
2006
Windsor
Sheffield - St Paul’s
Oxford
Leicester- New Walk
Wolverhampton
Swindon
Brighton
Preston
Doncaster
2007
Bath
Stockton-on-Tees
Wakefield
Portsmouth
Northampton
Croydon
Coventry
London West End
Milton Keynes
Enfield
Basingstoke
Carlisle
Chester
2007 contd
Exeter
Swansea
St Albans
Crawley
Grimsby
Bradford
Dartford
2008
Kingston
Shrewsbury
Harrogate
Lincoln
Scarborough
Stockport
Tunbridge Wells
Huddersfield
Derby
Warrington
Harrow
Glasgow
Edinburgh
2009
Blackburn
York
High Wycombe
Halifax
Peterborough
Kendal
Chiswick
2010
Sunderland
Durham
Gloucester
Morpeth
Bolton
Newport
Burnley
Cheltenham
Ipswich
Colchester
Darlington
Luton
Taunton
Barnsley
Worcester
Manchester - Trinity Way
Altrincham
Stafford
Castleford
Clifton
Tynemouth
Solihull
Rotherham
Canterbury
2011
Truro
Wigan
Beverley
2011 contd
Wrexham
Wetherby
Watford
Ilkley
Richmond
Ascot
Newbury
Tamworth
Bury St Edmunds
Lancaster
Salisbury
Lytham
Kensington
Chichester
Hereford
Bishop's Stortford
Hexham
Mansfield
Perth
Hampstead
Bridgend
2012
Bedford
Leeds - The Embankment
Wimbledon
Stirling
Loughborough
Weston-super-Mare
Aberdeen
Birmingham - Newhall St
Chesterfield
Bodmin
Romford
Southend-on-Sea
Banbury
Redhill
Aylesbury
Epsom
Colwyn Bay
London Holborn
Poole
Yeovil
Dorchester
Middlesbrough
Burton upon Trent
Leamington Spa
Clapham
Chatham
Queens Park
Hertford
2013
Sevenoaks
Bromsgrove
Uxbridge
Crewe
Bristol - Parkway
London Marylebone
Leeds - Headingley
Heswall
Nottingham - West Bridgford
2013 contd Barnstaple
London Bridge
Frimley
Rugby
Ealing
Bromley
Sheffield – Barker’s Pool
Wilmslow
Winchester
Stratford-upon-Avon
Chorley
Edinburgh - West End
Weybridge
Walsall
Chelsea
Hove
2014
Hull Marina Court
Henley-on-Thames
Abingdon
Finchley
Islington
Bury
Greenwich
Farnham
Cambridge - Hills Road
Hitchin
Dundee
Leicester – Grey Friars
Ashford
Oldham
Petersfield
Edgbaston
Portishead
Inverness
Haywards Heath
2015
Stratford
Southport
Oxford Parkway
London Belgravia
Eastbourne
Staines-upon-Thames
Penrith
Scunthorpe
Northallerton
Gateshead
Chippenham
Newark
Dunfermline
Cirencester
Glasgow - Finnieston
Stourbridge
London - Mayfair
2016
Liverpool – Duke Street
An established UK branch network

18. A strong, established universal bank
Founded in 1871
Average loans to the public: SEK 1,964 billion*
Operating profits: SEK 20.6 billion*
11,800 employees
Operations in more than 20 countries
Over 800 branches in six home markets
* Per Annual Report 2016

19. Customer satisfaction trend (2009 - 2016): Individuals
Source: EPSI Rating, October 2016
*EPSI notes that in 2010 the error margin for Lloyds was unusually high

20. Customer satisfaction trend (2009 - 2016): Corporates
Source: EPSI Rating, October 2016

21. Rated best for UK small and medium-sized enterprises (SMEs)
For the second year, Handelsbanken was rated the top provider of current accounts in the government-backed Business Banking Insight (BBI) survey for SMEs*, in January 2017.
20,000 SMEs across the UK rated their bank’s performance. Handelsbanken also came top or joint top in ten of twelve categories.
*Providers with fewer than ten reviews have been excluded. The BBI survey is run by the Federation of Small Businesses and the British Chambers of Commerce. Full results available:

22. History of Svenska Handelsbanken
1871 Founded under the name Stockholms Handelsbank
The bank’s shares listed on the Stockholm stock exchange (oldest listed company)
The first branch opened in Stockholm
1919 The bank changed its name to Svenska Handelsbanken
Acquisitions of provincial banks in Sweden
1970 Jan Wallander decentralises operations
1982 Established operations in London
1990s Branch office operations in Norway, Finland and Denmark
2000 Branch expansion programme in UK
2014 Henley on Thames branch opens, one of over 200 today in the UK

23. We have six home markets, and provide support worldwide
Sweden
Over 400 branches
Finland
45 branches
Denmark
57 branches
Norway
50 branches
Great Britain
207 branches *
* Per 31st Dec 2016 (incl. Branches announced)
The Netherlands
25 branches
Outside its home markets, the bank has operations in:
Branches: Representative offices:
Austria (Vienna, Salzburg) Lithuania (Vilnius) Beijing Sydney
Estonia (Tallinn) Poland (Warsaw) Jakarta Taipei
France (Nice) Luxembourg Kuala Lumpur
Germany (Frankfurt) Singapore Marbella
Greater China (Hong Kong, Shanghai) USA (New York) Mumbai
Latvia (Riga)

24. Operations in over 20 countries
Branches with universal banking operations
Denmark
Norway
Finland
Sweden
The Netherlands
Great Britain
Representative offices
Australia – Sydney
Greater China – Beijing, Taipei
India – Mumbai (Bombay)
Indonesia - Jakarta
Malaysia – Kuala Lumpur
Spain – Marbella
Branches in the rest of Europe
Austria - Vienna
Estonia - Tallinn
France - Paris, Nice
Germany - Frankfurt
Latvia - Riga
Lithuania - Vilnius
Luxembourg - Luxembourg
Poland - Warsaw
Branches in the rest of the world
Greater China – Shanghai, Hong Kong
Singapore
USA - New York

25. Management continuity - a long standing tradition
CEO
Jan Wallander
Jan Ekman
(employed 1970)
Tom Hedelius
(employed 1967)
Arne Mårtensson (employed 1974)
Lars O Grönstedt (employed 1983)
Pär Boman
(employed 1991)
Frank Vang-Jensen
(employed 1998)
Current Anders Bouvin
(employed 1985)
Chairman of the Board
Tore Browaldh
Jan Wallander
Tom Hedelius
Arne Mårtensson
Lars O Grönstedt
Hans Larsson
Anders Nyrén
Current Pär Boman