Handelsbanken’s interim report January – June 2023

· Operating profit increased by 46% to SEK 17,357m (11,905) · C/I ratio improved to 37.8%, together with intensified investment rate in growth initiatives and profitability-generating IT development and business development · 15.6% return on equity · Good credit quality with a credit loss ratio of 0.01% · Strong financial position with a common equity tier 1 ratio of 19.8% · Highest combined credit rating in the world for a privately owned bank   * Items affecting comparability: Reversal of VAT paid in conjunction with sale of card acquiring operations (other