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Marlow Chamber of Commerce 24th April 2017

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Presentation on theme: "Marlow Chamber of Commerce 24th April 2017"— Presentation transcript:

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


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