Financial Ratios Svenska Handelsbanken AB

Stocks

SHB A

SE0007100599

Banks

Market Closed - Nasdaq Stockholm Other stock markets 17:00:00 12/06/2026 BST			5-day change	1st Jan Change
138.35 ^SEK	+2.63%		+2.79%	+2.98%

06-12	Ilex no longer a public short seller in Handelsbanken	FW
06-12	Fitch Keeps Svenska Handelsbanken's Rating on Strong Credit Profile	MT

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Published financial data: SVENSKA HANDELSBANKEN AB

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	35.83B	67.41B	160B	171B	129B
Interest Income On Investments	2M	17M	3M	16M	11M
Interest Income, Total	35.83B	67.42B	160B	171B	129B
Interest On Deposits	6.44B	30.8B	112B	124B	86.84B
Interest Expense, Total	6.44B	30.8B	112B	124B	86.84B
Net Interest Income	29.39B	36.63B	47.58B	46.86B	42.55B
Gain (Loss) on Sale of Assets	422M	1.08B	20M	13M	8M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-900M	-4.71B	670M	-112M	-525M
Income (Loss) on Equity Invest. (Income Block)	63M	-13M	51M	27M	-9M
Total Other Non Interest Income	14.38B	17.29B	13.95B	15.57B	14.78B
Non Interest Income, Total	13.97B	13.65B	14.69B	15.5B	14.25B
Revenues Before Provison For Loan Losses	43.36B	50.27B	62.27B	62.36B	56.8B
Provision For Loan Losses	43M	47M	141M	-601M	-313M
Total Revenues	43.32B	50.23B	62.13B	62.96B	57.12B
Salaries And Other Employee Benefits	12.38B	12.68B	13.28B	14.95B	14.52B
Occupancy Expense	1.7B	1.62B	1.7B	2B	2.04B
Selling General & Admin Expenses, Total	146M	200M	325M	317M	331M
Total Other Non Interest Expense	5.43B	8.68B	10.18B	9.95B	9.26B
Non Interest Expense, Total	19.66B	23.18B	25.48B	27.22B	26.15B
EBT, Excl. Unusual Items	23.66B	27.05B	36.65B	35.74B	30.96B
Restructuring Charges	-	-	-	-472M	-81M
Impairment of Goodwill	-18M	-	-	-	-
Asset Writedown	-100M	-32M	-40M	-1M	22M
Other Unusual Items	-69M	-401M	-285M	-255M	-155M
EBT, Incl. Unusual Items	23.48B	26.62B	36.32B	35.02B	30.75B
Income Tax Expense	4.63B	5.43B	8.42B	7.8B	6.76B
Earnings From Continuing Operations	18.85B	21.19B	27.91B	27.22B	24B
Earnings Of Discontinued Operations	693M	281M	1.21B	234M	-266M
Net Income to Company	19.54B	21.47B	29.12B	27.46B	23.73B
Minority Interest	-14M	-2M	-8M	-5M	-3M
Net Income - (IS)	19.53B	21.47B	29.11B	27.45B	23.73B
Net Income to Common Incl Extra Items	19.53B	21.47B	29.11B	27.45B	23.73B
Net Income to Common Excl. Extra Items	18.83B	21.19B	27.9B	27.22B	23.99B
Per Share Items
Net EPS - Basic	9.86	10.84	14.7	13.86	11.98
Basic EPS - Continuing Operations	9.51	10.7	14.09	13.75	12.12
Basic Weighted Average Shares Outstanding	1.98B	1.98B	1.98B	1.98B	1.98B
Net EPS - Diluted	9.86	10.84	14.7	13.86	11.98
Diluted EPS - Continuing Operations	9.51	10.7	14.09	13.75	12.12
Diluted Weighted Average Shares Outstanding	1.98B	1.98B	1.98B	1.98B	1.98B
Normalized Basic EPS	7.46	8.54	11.56	11.28	9.77
Normalized Diluted EPS	7.46	8.54	11.56	11.28	9.77
Dividend Per Share	5	5.5	6.5	7.5	8
Payout Ratio	85.35	46.12	54.42	93.77	125.17
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	19.71	20.4	23.17	22.26	21.97
Total Current Taxes	5.31B	5.65B	8.45B	7.81B	7.41B
Total Deferred Taxes	-682M	-222M	-118M	-53M	-452M
Normalized Net Income	14.77B	16.9B	22.9B	22.34B	19.35B
Non-Cash Pension Expense	-34M	-40M	-568M	-436M	-501M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	25M	78.6M	54.7M	22M
Total Stock-Based Compensation	-	25M	78.6M	54.7M	22M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	277B	461B	449B	515B	385B
Investment Securities, Total	140B	162B	243B	219B	238B
Trading Asset Securities, Total	45.62B	31.91B	32.07B	54.61B	31.99B
Mortgage Backed Securities	20.52B	17.46B	34.38B	31.65B	37.3B
Total investments	206B	211B	310B	306B	307B
Gross Loans	2,161B	2,315B	2,294B	2,302B	2,280B
Allowance For Loan Losses	-2.44B	-2.02B	-2B	-1.37B	-857M
Other Adjustments to Gross Loans	-351M	-900M	-1.29B	-957M	-610M
Net Loans	2,158B	2,312B	2,290B	2,300B	2,278B
Gross Property Plant And Equipment	7.08B	6.76B	6.68B	6.84B	9.88B
Accumulated Depreciation	-1.8B	-1.85B	-1.9B	-2.04B	-4.93B
Net Property Plant And Equipment	5.27B	4.91B	4.78B	4.8B	4.95B
Goodwill	4.36B	4.4B	4.36B	4.36B	4.29B
Other Intangibles, Total	3.94B	4B	4.21B	4.07B	3.7B
Accrued Interest Receivable	3.88B	6.61B	1.22B	1.4B	1.42B
Other Receivables	469M	160M	203M	100M	2.87B
Restricted Cash	14.6B	14.75B	27.46B	14.59B	22.71B
Other Current Assets, Total	425B	204B	185B	80.89B	48.34B
Deferred Tax Assets Long-Term (Collected)	845M	1.59B	358M	157M	631M
Other Real Estate Owned And Foreclosed	-	-	2M	2M	2M
Other Long-Term Assets, Total	248B	230B	261B	308B	328B
Total Assets	3,347B	3,454B	3,538B	3,539B	3,388B
Liabilities
Accounts Payable, Total	-	-	-	-	458M
Accrued Expenses, Total	2.2B	2.44B	1.9B	2.06B	1.67B
Interest Bearing Deposits	1,238B	1,179B	1,017B	1,061B	1,254B
Total Deposits	1,238B	1,179B	1,017B	1,061B	1,254B
Short-Term Borrowings	528B	653B	641B	637B	368B
Current Portion of Long-Term Debt	-	-	13.71B	-	-
Current Portion of Leases	671M	719M	722M	697M	713M
Long-Term Debt	1,003B	1,121B	1,318B	1,299B	1,226B
Long-Term Leases	2.74B	2.3B	2.14B	2.05B	2.15B
Current Income Taxes Payable	108M	217M	1.21B	957M	2.15B
Accrued Interest Payable	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	138B	70.88B	66.08B	11.63B	2.58B
Unearned Revenue Non Current	1.36B	1.12B	1.09B	880M	363M
Pension & Other Post Retirement Benefits	-	-	-	-	-
Deferred Tax Liability Non-Current	5.28B	5.61B	3.97B	3.74B	4.03B
Other Non Current Liabilities	245B	221B	266B	309B	326B
Total Liabilities	3,165B	3,258B	3,333B	3,329B	3,188B
Common Stock, Total	3.07B	3.07B	3.07B	3.07B	3.07B
Additional Paid In Capital	8.76B	8.76B	8.76B	8.76B	8.76B
Retained Earnings	154B	166B	177B	180B	174B
Comprehensive Income and Other	15.84B	17.89B	16.24B	18.66B	13.95B
Total Common Equity	182B	196B	205B	210B	199B
Minority Interest	25M	3M	8M	6M	3M
Total Equity	182B	196B	205B	210B	199B
Total Liabilities And Equity	3,347B	3,454B	3,538B	3,539B	3,388B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.98B	1.98B	1.98B	1.98B	1.98B
ECS Total Common Shares Outstanding	1.98B	1.98B	1.98B	1.98B	1.98B
Book Value / Share	91.77	99	103.57	106.07	100.68
Tangible Book Value	173B	188B	197B	202B	191B
Tangible Book Value Per Share	87.58	94.76	99.25	101.81	96.65
Average Loans	2,344B	2,308B	2,386B	2,352B	2,341B
Total Debt	1,535B	1,777B	1,976B	1,939B	1,597B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-8.77B	-12.88B	-11.7B	-13.1B	-14.92B
Net Debt	1,187B	1,271B	1,468B	1,340B	1,148B
Equity Method Investments, Total	478M	561M	657M	860M	881M
Full Time Employees	10.79K	10.17K	10.9K	12.64K	12.3K
Part Time Employees	-	833	839	-	-
Number Of Offices	548	462	434	424	407

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	19.53B	21.47B	29.11B	27.45B	23.73B
Depreciation, Depletion & Amortization	1.04B	3.61B	957M	1.13B	1.15B
Amortization of Goodwill and Intangible Assets - (CF)	83M	67M	70M	70M	36M
Total Depreciation, Depletion & Amortization	1.12B	3.68B	1.03B	1.2B	1.19B
Amortization of Deferred Charges, Total	576M	594M	681M	786M	800M
(Gain) Loss On Sale of Asset - (CF)	-	-751M	-	1.77B	-
(Gain) Loss on Sale of Investments - (CF)	363M	418M	-	-	-
Total Asset Writedown	118M	-2.17B	-1.06B	-88M	1.65B
Restructuring Activities	-	-	-	-	-
Provision for Credit Losses	80M	284M	254M	-576M	-54M
Change in Other Net Operating Assets (Collected)	-144B	-95.72B	18.43B	28.59B	-87.97B
Other Operating Activities	-1.14B	-1.27B	-467M	-954M	-95M
Net Cash From Discontinued Operations	1.51B	1.46B	1.39B	753M	-357M
Cash from Operations	-122B	-72.01B	49.37B	58.93B	-61.11B
Capital Expenditure	-1.19B	-786M	-832M	-949M	-535M
Sale of Property, Plant, and Equipment	1.06B	482M	326M	398M	5M
Cash Acquisitions	-	-	-	-	-
Divestitures	-	49.24B	-	17.15B	10M
Purchase / Sale of Intangible Assets	-539M	-711M	-957M	-678M	-558M
Investment in Marketable and Equity Securities, Total	-82M	-11M	-53M	-169M	-30M
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-	-	1.23B
Other Investing Activities, Total	-	-	-1M	-1M	-
Cash from Investing	-752M	48.21B	-1.52B	15.75B	123M
Long-Term Debt Issued, Total	-	11.84B	8.64B	5.7B	-
Total Debt Issued	-	11.84B	8.64B	5.7B	-
Long-Term Debt Repaid, Total	-10.13B	-3B	-8.35B	-13.37B	-
Total Debt Repaid	-10.13B	-3B	-8.35B	-13.37B	-
Common Dividends Paid	-16.67B	-9.9B	-15.84B	-25.74B	-29.7B
Common & Preferred Stock Dividends Paid	-16.67B	-9.9B	-15.84B	-25.74B	-29.7B
Net Increase (Decrease) in Deposit Accounts - (CF)	171B	33.71B	-26.25B	-14.4B	14.82B
Special Dividend Paid	-	-	-	-	-
Cash from Financing	144B	32.65B	-41.8B	-47.81B	-14.88B
Foreign Exchange Rate Adjustments	20.49B	27.06B	-5.75B	26.96B	-45.98B
Miscellaneous Cash Flow Adjustments	-	-	-	1M	-
Net Change in Cash	42.32B	35.92B	299M	53.83B	-122B
Supplemental Items
Cash Interest Paid	7.26B	28.17B	112B	127B	69.18B
Cash Income Tax Paid (Refund)	5.09B	6.42B	7.68B	8.52B	7.16B
Net Debt Issued / Repaid	-10.13B	8.84B	284M	-7.67B	-

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.58	0.62	0.8	0.77	0.69
Return On Equity %	10.67	11.22	13.98	13.12	11.72
Return on Common Equity	10.67	11.22	13.98	13.11	11.72
Shareholders Value Added	-1.58B	-1.13B	5.23B	2.91B	-749M
Margin Analysis
SG&A Margin	32.84	28.86	24.64	27.43	29.57
Net Interest Income / Total Revenues %	67.85	72.92	76.58	74.42	74.5
EBT Excl. Non-Recurring Items Margin %	54.62	53.86	58.99	56.77	54.21
Income From Continuing Operations Margin %	43.51	42.19	44.92	43.24	42.01
Net Income Margin %	45.08	42.74	46.85	43.6	41.54
Net Avail. For Common Margin %	43.48	42.18	44.9	43.23	42.01
Normalized Net Income Margin	34.11	33.66	36.85	35.48	33.88
Asset quality
Nonperforming Loans / Total Loans %	0.34	0.25	0.31	0.37	0.32
Nonperforming Loans / Total Assets %	0.22	0.17	0.2	0.24	0.21
Nonperforming Assets / Total Assets %	0.22	0.17	0.2	0.24	0.21
NPAs / Loans and OREO	0.34	0.25	0.31	0.37	0.32
NPAs / Equity	4.08	2.92	3.45	4.06	3.61
Allowance for Credit Losses / Net Charge-offs %	302.48	173.13	616	284.79	351.23
Allowance for Credit Losses / Nonperforming Loans %	32.93	35.29	28.34	16.04	11.92
Allowance for Credit Losses / Total Loans %	0.11	0.09	0.09	0.06	0.04
Net Charge-offs / Total Average Loans %	0.03	0.05	0.01	0.02	0.01
Provision for Loan Losses / Net Charge-offs %	5.32	4.03	43.38	-125.21	-128.28
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.45	5.55	5.71	5.87	5.91
Total Average Equity / Total Average Assets %	5.45	5.55	5.71	5.87	5.91
Total Equity + Allowance for Loan Losses / Total Loans %	8.52	8.56	9.03	9.18	8.78
Gross Loans / Total Deposits %	174.57	196.33	225.61	216.91	181.84
Net Loans / Total Deposits %	174.34	196.08	225.29	216.69	181.73
Tier 1 Capital Ratio %	21.1	21.5	20.6	20.2	18.8
Total Capital Ratio %	23.3	23.8	23.9	23.4	22
Core Tier 1 Capital Ratio	19.4	19.6	18.8	18.8	17.6
Tier 2 Capital Ratio	2.23	2.35	3.28	3.26	3.21
Coverage Ratio	32.93	35.29	28.34	16.04	11.92
Interbank Ratio	26.12	27.32	21.4	22.45	33.62
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	4.64	1.86	1.32	1.28	1.35
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	0.9	20.79	29.89	-1.52	-9.19
Non Interest Income, 1 Yr. Growth %	24.26	-2.31	6.7	5.53	-8.06
Provision For Loan Losses, 1 Yr. Growth %	-93.37	9.3	200	-526.24	-47.92
Total Revenues, 1 Yr. Growth %	9.05	13.51	23.39	1.34	-9.28
Earnings From Cont. Operations, 1 Yr. Growth %	29.48	12.42	30.42	-2.45	-11.85
Net Income, 1 Yr. Growth %	25.29	9.94	34.28	-5.69	-13.57
Normalized Net Income, 1 Yr. Growth %	14.98	14.79	34.39	-2.45	-13.37
Diluted EPS Before Extra, 1 Yr. Growth %	29.39	12.51	30.39	-2.44	-11.85
Dividend Per Share, 1 Yr. Growth %	21.95	10	18.18	15.38	6.67
Gross Loans, 1 Yr. Growth %	-6.13	7.12	-1.13	0.38	-0.98
Allowance For Loan Losses, 1 Yr. Growth %	-29.47	-17.47	-0.74	-31.72	-37.31
Net Loans, 1 Yr. Growth %	-6.1	7.13	-1.15	0.43	-0.94
Non Performing Loans, 1 Yr. Growth %	5.98	-22.98	23.58	20.68	-15.66
Non Performing Assets, 1 Yr. Growth %	5.92	-22.98	23.62	20.68	-15.66
Total Assets, 1 Yr. Growth %	6.74	3.2	2.43	0.04	-4.28
Total Deposits, 1 Yr Growth %	4.18	-4.75	-13.77	4.41	-6.11
Tangible Book Value, 1 Yr. Growth %	8.29	8.2	5.87	2.59	-5.08
Average Interest Bearing Liabilities, 1 Yr. Growth %	1.95	6.16	0.95	0.94	-3.4
Common Equity, 1 Yr. Growth %	5.97	7.88	5.7	2.41	-5.08
Total Equity, 1 Yr. Growth %	5.98	7.87	5.7	2.41	-5.08
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-4.53	12.13	25.27	13.1	-5.43
Non Interest Income, 2 Yr. CAGR %	6.41	10.18	2.55	6.12	-1.5
Provision For Loan Losses, 2 Yr. CAGR %	-79.72	-73.09	81.08	257.59	48.99
Total Revenues, 2 Yr. CAGR %	-0.25	12.44	18.5	11.82	-4.12
Earnings From Cont. Operations, 2 Yr. CAGR %	5.53	20.65	21.68	12.79	-7.27
Net Income, 2 Yr. CAGR %	7.42	17.37	22.09	12.54	-9.71
Normalized Net Income, 2 Yr. CAGR %	3.75	14.7	24.69	14.5	-8.07
Diluted EPS Before Extra, 2 Yr. CAGR %	5.28	20.66	21.72	12.79	-7.26
Dividend Per Share, 2 Yr. CAGR %	-	15.82	14.02	16.77	10.94
Gross Loans, 2 Yr. CAGR %	-3.52	0.28	3.03	-0.38	-0.3
Allowance For Loan Losses, 2 Yr. CAGR %	-26.89	-23.7	-9.49	-17.68	-34.57
Net Loans, 2 Yr. CAGR %	-3.48	0.3	3.02	-0.36	-0.26
Non Performing Loans, 2 Yr. CAGR %	-8.33	-9.65	-2.44	22.12	0.89
Non Performing Assets, 2 Yr. CAGR %	-8.39	-9.67	-2.42	22.14	0.89
Total Assets, 2 Yr. CAGR %	4.42	4.96	2.81	1.23	-2.15
Total Deposits, 2 Yr CAGR %	7.26	-0.38	-9.37	-5.11	11.05
Tangible Book Value, 2 Yr. CAGR %	8.01	8.24	6.45	4.21	-1.32
Average Interest Bearing Liabilities, 2 Yr. CAGR %	3.52	4.04	3.43	0.95	-1.25
Common Equity, 2 Yr. CAGR %	6.63	6.92	6.24	4.04	-1.41
Total Equity, 2 Yr. CAGR %	6.63	6.92	6.23	4.04	-1.41
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-2.29	4.34	17.77	15.61	5.12
Non Interest Income, 3 Yr. CAGR %	4.39	3.42	9.33	3.53	1.16
Provision For Loan Losses, 3 Yr. CAGR %	-63.45	-64.44	-39.88	140.88	88.14
Total Revenues, 3 Yr. CAGR %	0.32	4.88	16.08	12.48	4.29
Earnings From Cont. Operations, 3 Yr. CAGR %	2.79	7.78	24.22	13.04	3.9
Net Income, 3 Yr. CAGR %	4.01	8.25	23.15	12.02	3.06
Normalized Net Income, 3 Yr. CAGR %	1.35	7.19	21.23	14.89	4.33
Diluted EPS Before Extra, 3 Yr. CAGR %	2.46	7.64	24.22	13.07	3.89
Dividend Per Share, 3 Yr. CAGR %	-3.13	-	16.6	14.47	13.3
Gross Loans, 3 Yr. CAGR %	-1.11	-0.1	-0.12	2.14	-0.58
Allowance For Loan Losses, 3 Yr. CAGR %	-13.77	-23.87	-16.71	-17.61	-24.82
Net Loans, 3 Yr. CAGR %	-1.09	-0.07	-0.11	2.15	-0.56
Non Performing Loans, 3 Yr. CAGR %	-1.35	-13.5	0.29	4.73	7.95
Non Performing Assets, 3 Yr. CAGR %	-1.66	-13.54	0.28	4.74	7.96
Total Assets, 3 Yr. CAGR %	3.97	4.01	4.11	1.88	-0.64
Total Deposits, 3 Yr CAGR %	8.74	3.1	-5.06	-4.99	2.07
Tangible Book Value, 3 Yr. CAGR %	9.58	8.07	7.06	5.15	1.02
Average Interest Bearing Liabilities, 3 Yr. CAGR %	3.25	4.4	2.93	2.59	-0.52
Common Equity, 3 Yr. CAGR %	8.5	7.04	6.15	4.95	0.91
Total Equity, 3 Yr. CAGR %	8.5	7.04	6.15	4.94	0.91
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	0.85	3.83	8.6	7.76	7.87
Non Interest Income, 5 Yr. CAGR %	2.04	3.79	3.65	4.67	4.86
Provision For Loan Losses, 5 Yr. CAGR %	-52.2	-51.11	-30.68	-10.47	-13.57
Total Revenues, 5 Yr. CAGR %	2.09	4.66	7.69	7.66	7.53
Earnings From Cont. Operations, 5 Yr. CAGR %	3.03	5.64	9.96	9.97	10.51
Net Income, 5 Yr. CAGR %	3.75	5.92	10.9	10.16	8.77
Normalized Net Income, 5 Yr. CAGR %	2.08	4.57	10.04	10.23	8.53
Diluted EPS Before Extra, 5 Yr. CAGR %	2.76	5.46	9.77	9.88	10.52
Dividend Per Share, 5 Yr. CAGR %	0	0	3.4	-	14.3
Gross Loans, 5 Yr. CAGR %	1.42	1.75	0.53	-0.16	-0.19
Allowance For Loan Losses, 5 Yr. CAGR %	-12.04	-17.12	-12.09	-21.45	-24.38
Net Loans, 5 Yr. CAGR %	1.44	1.78	0.54	-0.14	-0.17
Non Performing Loans, 5 Yr. CAGR %	28.66	-	-1.79	-0.7	0.53
Non Performing Assets, 5 Yr. CAGR %	24.62	-	-1.97	-0.73	0.53
Total Assets, 5 Yr. CAGR %	4.96	4.53	3.5	2.89	1.56
Total Deposits, 5 Yr CAGR %	9.79	5.79	1.1	-0.27	1.08
Tangible Book Value, 5 Yr. CAGR %	6.43	7.33	8.32	6.28	3.63
Average Interest Bearing Liabilities, 5 Yr. CAGR %	3.25	4.17	3.32	2.96	1.24
Common Equity, 5 Yr. CAGR %	5.91	6.72	7.59	5.61	3.06
Total Equity, 5 Yr. CAGR %	5.91	6.72	7.59	5.61	3.06