Handelsbanken’s Interim Report January – June 2020

Summary January - June 2020, compared with January - June 2019 · Strong capital situation and further increase to liquidity reserve. The common equity tier 1 ratio increased to 18.7% (17.1). · The credit loss ratio was 0.04% (0.06). · Operating profit went down by 11% to SEK 10,196m (11,460). Adjusted for items affecting comparability, operating profit decreased by 3%. · Return on equity went down to 10.3% (12.8). · Earnings per share decreased to SEK 3.99 (4.61). · Income went down by 1% till SEK 21,803m (22,075). Net interest income was affected in the amount of SEK -