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Stadshypoteks Year-End Report January–December 2025

JANUARY – DECEMBER 2025 COMPARED WITH JANUARY – DECEMBER 2024Stadshypotek’s operating profit decreased by SEK 1,468m, or 17%, to SEK 7,271m (8,739). Net interest income fell by SEK 1,489m to SEK 10,501m, (11,990), mainly due to the ongoing downward trend for margins on Swedish loans. In Sweden, net interest income decreased by SEK 1,246m, while in the Norwegian branch net interest income decreased by SEK 11m. Of the net interest income, SEK 1,043m (1,054) was attributable to the branch in Norway and SEK 165m (396) to the branch in Finland. Net gains/losses on financial transactions

Stadshypotek’s Interim Report January – June 2025

January – June 2025 compared with July – December 2024 Operating profit decreased by 11% to SEK 3,883m (4,356). Net interest income went down by 8% to SEK 5,598m (6,063). Loans to the public in continuing operations increased by 0%, to SEK 1,554bn (1,553). Return on equity was 9.4% (10.7). The credit loss ratio was 0.00% (-0.01). The common equity tier 1 ratio was 12.6% (12.5).   January – June 2025 compared with January – June 2024 Operating profit decreased by 11% to SEK 3,883m (4,383). Net interest income went down by 6% to SEK 5,598m (5,927). Loans to

Highlights of Stadshypotek’s Annual Report January–December 2024

JANUARY–DECEMBER 2024 COMPARED WITH JANUARY–DECEMBER 2023During the second half of 2024, parts of Stadshypotek’s Finnish international branch were divested. Stadshypotek’s operating profit decreased by SEK 559m, or 6%, to SEK 8,739m (9,298). Net interest income fell by SEK 222m to SEK 11,990m, (12,212), mainly due to decreased margins arising from the fierce competition in the mortgage loan market. In Sweden, net interest income decreased by SEK 499m, while in the Norwegian branch net interest income increased by SEK 366m. Of the net interest income, SEK 1,054m (688) was

Stadshypotek’s Interim Report January – June 2024

JANUARY – JUNE 2024 COMPARED WITH JANUARY – JUNE 2023 Stadshypotek’s operating profit decreased by SEK 367m, or 8%, to SEK 4,383m (4,750). Net interest income fell by SEK 504m to SEK 5,927m, (6,431), mainly due to ongoing narrow margins on Swedish  loans. In Sweden, net interest income decreased by SEK 629m, while in the Norwegian branch net interest income increased by SEK 140m. Of the net interest income, SEK 507m (367) was attributable to the branch in Norway and SEK 210m (219) to the branch in Finland. Net gains/losses on financial transactions increased by SEK 223m to SEK 326m (

Highlights of Stadshypotek’s Annual Report January–December 2023

JANUARY–DECEMBER 2023 COMPARED WITH JANUARY–DECEMBER 2022Stadshypotek’s operating profit decreased by SEK 3,589m, or 28%, to SEK 9,298m (12,887). Net interest income fell by SEK 2,767m to SEK 12,212m, (14,979), mainly due to higher funding costs arising from rising market rates, and decreased margins for Swedish and Norwegian private loans. In Sweden, net interest income fell by SEK 2,020m, while in the Norwegian branch it fell by SEK 164m.   Of the net interest income, SEK 688m (852) was attributable to the branch in Norway and SEK 469m (557) to the branch in Finland. Exclud- ing the

Stadshypotek Interim Report January – June 2023

JANUARY – JUNE 2023 COMPARED WITH JANUARY – JUNE 2022 Stadshypotek’s operating profit decreased by SEK 1,171m, or 20%, to SEK 4,750m (5,921). Net interest income fell by SEK 1,156m to SEK 6,431m, (7,587), mainly due to higher funding costs arising from rises in market rates, as well as narrower margins, especially for Swedish and Norwegian private loans. In Sweden, net interest income decreased by SEK 695m, while in the Norwegian branch net interest income decreased by SEK 120m. Of the net interest income, SEK 367m (487) was attributable to the branch in Norway and SEK 219m (304) to

Highlights of Stadshypotek’s Annual Report January–December 2022

JANUARY–DECEMBER 2022 COMPARED WITH JANUARY–DECEMBER 2021 Stadshypotek’s operating profit decreased by SEK 190m, or 1%, to SEK 12,887m (13,077). Net interest income fell by SEK 676m to SEK 14,979, (15,655), mainly due to decreased margins for Swedish and Norwegian private loans. Of the net interest income, SEK 852m (1,130) was attributable to the branch in Norway, SEK 557m (581) to the branch in Finland and SEK 512m (526) to the branch in Denmark. Excluding the branches, net interest income decreased by SEK 360m (+134). Net gains/losses on financial transactions decreased by SEK 100m

Stadshypotek Interim Report January – June 2022

JANUARY – JUNE 2022 COMPARED WITH JANUARY – JUNE 2021 Stadshypotek’s operating profit decreased by SEK 595m, or 9%, toSEK 5,921m (6,516). Net interest income fell by SEK 231m to SEK 7,587m (7,818), mainly due to higher borrowing costs that stemmed from rising market rates. In Sweden, net interest income decreased by SEK 187m, while in the Norwegian branch net interest income decreased by SEK 68m, as customers are contractually entitled to a notification of a change in their interest rate 90 days in advance. Of the net interest income, SEK 487m (555) was attributable to the branch in

Highlights of Stadshypotek’s Annual Report 2021

JANUARY–DECEMBER 2021 COMPARED WITH JANUARY–DECEMBER 2020 Stadshypotek’s operating profit increased by SEK 236m, or 2%, to SEK 13,077m (12,841). Net interest income grew by SEK 308m to SEK 14,948m (14,640), mainly due to higher lending volumes to the private and corporate markets in Sweden. Of the net interest income, SEK 1,080m (924) was attributable to the branch in Norway, SEK 554m (476) to the branch in Finland and SEK 501m (517) to the branch in Denmark. Excluding the branches, net interest income increased by SEK 90m (489). Net gains/losses on financial transactions increased by

Stadshypotek Interim Report January-June 2021

JANUARY – JUNE 2021 COMPARED WITH JANUARY – JUNE 2020 Stadshypotek’s operating profit rose by SEK 187m, or 3%, to SEK 6,516m (6,329). Net interest income grew by SEK 188m to SEK 7,464m (7,276). This is mainly due to higher lending volumes to the private and corporate markets in Sweden and Norway. Of the net interest income, SEK 555m (404) was attributable to the branch in Norway, SEK 283m (250) to the branch in Finland and SEK 260m (275) to the branch in Denmark. Excluding the branches, net interest income increased by SEK 19m (325). Net gains/losses on financial transactions

Highlights of Stadshypotek’s Annual Report 2020

JANUARY – DECEMBER 2020 COMPARED WITH JANUARY – DECEMBER 2019Stadshypotek’s operating profit increased by SEK 422m, or 3%, to SEK 12,841m (12,419). Net interest income grew by SEK 643m to SEK 14,640m (13,997), mainly due to higher lending volumes to the private and corporate markets in Sweden. Of the net interest income, SEK 924m (801) was attributable to the branch in Norway, SEK 476m (439) to the branch in Finland and SEK 517m (524) to the branch in Denmark. Excluding the branches, net interest income increased by SEK 490m (289). Net gains/losses on financial transactions increased

New Chief Executive of Stadshypotek AB

David Haqvinsson has been appointed Chief Executive of Stadshypotek AB, Handelsbanken’s mortgage institution. David Haqvinsson is currently Head of Business development at Stadshypotek. David Haqvinsson will take over from Göran Stille, who has been appointed Head of the product area Financing at Handelsbanken. These changes are effective immediately.  For further information, please contact:Jan Larsson, Chief Communications Officer, +46 73 257 85 43Viktoria Aastrup, Head of Group Media Relations, +46 73 043 51 59  For more information about Handelsbanken, visit www.

Stadshypotek Interim Report January – June 2020

JANUARY – JUNE 2020 COMPARED WITH JANUARY – JUNE 2019 Stadshypotek’s operating profit rose by SEK 77m, or 1%, to SEK 6,329m. (6,252). Net interest income grew by SEK 337m to SEK 7,276m (6,939). This is mainly due to higher lending volumes to the private and corporate markets in Sweden. Of the net interest income, SEK 404m (424) was attributable to the branch in Norway, SEK 250m (226) to the branch in Finland and SEK 275m (267) to the branch in Denmark. Excluding the branches, net interest income increased by SEK 325m (99). Net gains/losses on financial transactions increased by SEK 3m

Highlights of Stadshypotek’s Annual Report January – December 2019

JANUARY – DECEMBER 2019 COMPARED WITH JANUARY – DECEMBER 2018 Stadshypotek’s operating profit increased by SEK 18m, or 0%, to SEK 12,419m (12,401). Net interest income grew by SEK 309m to SEK 13,997m (13,688), mainly due to higher lending volumes to the private and corporate markets in Sweden. Of the net interest income, SEK 801m (862) was attributable to the branch in Norway, SEK 439m (408) to the branch in Finland and SEK 524m (475) to the branch in Denmark. Excluding the branches, net interest income increased by SEK 289m (257). Net gains/losses on financial transactions increased

Stadshypotek Interim Report January–June 2019

JANUARY–JUNE 2019 COMPARED WITH JANUARY–JUNE 2018Stadshypotek’s operating profit rose by SEK 29m (406), or 0% (7), to SEK 6,252m (6,223). Net interest income grew by SEK 98m (464) to SEK 6,939m (6,841). This is mainly due to higher lending volumes to the private and corporate markets in Sweden. Of the net interest income, SEK 424m (465) was attributable to the branch in Norway, SEK 226m (211) to the branch in Finland and SEK 267m (242) to the branch in Denmark. Excluding the branches, net interest income increased by SEK 99m (296). Net gains/losses on financial transactions increased

Highlights of Stadshypotek’s Annual Report January – December 2018

JANUARY – DECEMBER 2018 COMPARED WITH JANUARY – DECEMBER 2017Stadshypotek’s operating profit increased by 1%, or SEK 152m, to SEK 12,401m (12,249). Net interest income grew by SEK 331m to SEK 13,688m (13,357), mainly due to higher lending volumes to the private and corporate markets in Sweden. Of the net interest income, SEK 862m (885) was attributable to the branch in Norway, SEK 408m (363) to the branch in Finland and SEK 475m (422) to the branch in Denmark. Net gains/losses on financial transactions decreased by SEK 54m to SEK -12m (42). Expenses increased by SEK 103m to SEK -1,237m

Stadshypotek’s Interim Report January – June 2018

JANUARY–JUNE 2018 COMPARED WITH JANUARY–JUNE 2017Stadshypotek’s operating profit increased by 7%, or SEK 406m, to SEK 6,223m (5,817). Net interest income grew by SEK 464m to SEK 6,841m (6,377), mainly due to higher lending volumes to the private ­market in Sweden. Of the net interest income, SEK 465m (409) was attributable to the branch in Norway, SEK 211m (190) to the branch in Finland and SEK 242m (208) to the branch in Denmark. Excluding the branches, net interest income increased by SEK 296m. Net gains/losses on financial transactions decreased to SEK -5m (6). Expenses increased by

Highlights of Stadshypotek’s Annual Report January – December 2017

JANUARY – DECEMBER 2017 COMPARED WITH JANUARY – DECEMBER 2016Stadshypotek’s operating profit increased by 8%, or SEK 883m, to SEK 12,249m (11,366). Net interest income grew by SEK 995m to SEK 13,357m (12,362), mainly due to higher lending volumes to the private market in Sweden. However, this change in net interest income was adversely affected by SEK 391m as a result of the significant increase of the fee to the Resolution Fund in 2017. Net interest income was affected positively by SEK 250m due to changes in the terms and conditions of subordinated loans. Of the net interest income, SEK

Management changes at Stadshypotek

Ulrica Stolt Kirkegaard has been appointed at Group level to be responsible for preparing and managing Handelsbanken’s activities relating to Brexit. Since 2014 she has been Chief Executive of Stadshypotek AB, and will therefore be leaving this position on 15 February 2018. Maria Lidström Andersson will succeed Ulrica Stolt Kirkegaard as Chief Executive of Stadshypotek AB on 15 February 2018. Maria Lidström Andersson is currently Chief Executive of Handelsbanken Finans AB.  For further information, please contact: Anders Bouvin, President and Group Chief Executive, +46 8–22 92 20

Stadshypotek’s Interim Report January – June 2017

JANUARY – JUNE 2017 COMPARED WITH JANUARY – JUNE 2016 Stadshypotek’s operating profit increased by 5%, or SEK 267m, to SEK 5,817m (5,550). Net interest income grew by SEK 343m to SEK 6,377m (6,034), mainly due to higher lending volumes to the private market in Sweden. However, this change in net interest income was adversely affected by SEK 196m as a result of the doubling of the fee to the Resolution Fund, effective as of 2017. Of the net interest income, SEK 409m (299) was attributable to the branch in Norway, SEK 190m (191) to the branch in Finland and SEK 208m (160) to the branch in

Highlights of Stadshypotek’s Annual Report January – December 2016

JANUARY – DECEMBER 2016 COMPARED WITH JANUARY – DECEMBER 2015Stadshypotek’s operating profit increased by 6%, or SEK 650m, to SEK 11,366m (10,716). Net interest income grew by SEK 606m to SEK 12,362m (11,756). This increase was primarily due to higher lending volumes to the private market in Sweden. Of the net interest income, SEK 577m (875) was attributable to the branch in Norway, SEK 377m (417) to the branch in Finland and SEK 345m (276) to the branch in Denmark. The decrease in net interest income at the Norwegian branch was attributable to lower margins for both the private and

Stadshypotek’s Interim Report January – June 2016

JANUARY – JUNE 2016 COMPARED WITH JANUARY – JUNE 2015Stadshypotek’s operating profit increased by 3%, or SEK 166m, to SEK 5,550m (5,384). Net interest income rose by SEK 166m to SEK 6,034m (5,868). Of the net interest income, SEK 299m (470) was attributable to the branch in Norway, SEK 191m (211) to the branch in Finland and SEK 160m (130) to the branch in Denmark. Excluding the branches, net interest income increased by SEK 327m, mainly due to higher lending volumes to the private market. The decrease in net interest income at the Norwegian branch was attributable to lower margins for

Highlights of Stadshypotek’s Annual Report January – December 2015

JANUARY – DECEMBER 2015 COMPARED WITH JANUARY – DECEMBER 2014Stadshypotek’s operating profit increased by 23%, or SEK 1,975m, to SEK 10,716m (8,741). Net interest income grew by SEK 1,516m to SEK 11,756m (10,240). Of the net interest income, SEK 875m (1,014) was attributable to the branch in Norway, SEK 417m (398) to the branch in Finland and SEK 277m (221) to the branch in Denmark. Excluding the branches, net interest income increased by SEK 1,580m. This increase was primarily due to lower funding costs and higher lending volumes. The decrease in net interest income at the Norwegian

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