Handelsbanken’s Interim Report January – September 2022

Q3 2022- COMPARED WITH Q2 2022 · Operating profit increased by 39% to SEK 7,277m (5,246). · Return on equity increased to 13.2% (9.9). · Income grew by 17% to SEK 12,897m (11,040). · Net interest income increased by 14% to SEK 9,578m (8,389) to its highest ever level. · Expenses decreased by 1% to SEK -5,121m (-5,148). · The C/I ratio improved to 39.7% (46.6). · The credit loss ratio was -0.01% (0.01). · The common equity tier 1 ratio increased to 19.0% (18.7). JANUARY – SEPTEMBER 2022- COMPARED WITH JANUARY – SEPTEMBER 2021 · Operating profit increased