Banking sector: 70%
Asset management: 20%
Insurance services: 10%

Top 3 markets:
Sweden: 50%
Norway: 20%
United Kingdom: 15%

Svenska Handelsbanken AB generates the majority of its revenue from traditional banking, followed by asset management services and insurance services. Sweden is the company's most important market, followed by Norway and the United Kingdom. These markets are crucial for the bank's strategic direction and provide stable income.

Location of main production: Sweden

Svenska Handelsbanken AB is primarily active in the banking sector and does not produce physical products in the traditional sense. As a financial institution, it offers services such as bank accounts, loans, mortgages, and investment products. These services are mainly provided in Sweden and other Nordic countries.

The company has branches and offices in several countries, including Sweden, Norway, Denmark, Finland, the Netherlands, and the United Kingdom. However, the main headquarters and the majority of operational activities are located in Sweden.

Focus on Digitization and Technology Investments
Expansion of Sustainable Financing Offers
Strengthening International Presence

Svenska Handelsbanken AB pursues a strategy that strongly focuses on digitization and technology investments. The company invests in modern IT infrastructures and digital platforms to increase efficiency and enhance customer service. This also includes the development of mobile and online banking solutions to meet changing customer needs.

Another key focus is on expanding sustainable financing offers. Handelsbanken is committed to developing sustainable and environmentally friendly financial products to meet the growing demands of customers and regulatory authorities. This includes green bonds and loans that contribute to the promotion of environmental projects.

Furthermore, the company plans to strengthen its international presence. This is intended to be achieved through expanding existing markets and entering new markets, especially in Europe and Asia. Handelsbanken aims to increase its market share in these regions and benefit from global growth opportunities.

Main Imported Raw Materials: No specific raw materials

Countries of Origin: Not applicable

Svenska Handelsbanken AB is one of the leading banks in Sweden and not a manufacturing company. Therefore, it does not import raw materials or materials in the traditional sense. As a financial institution, its main business field is providing banking services such as loans, deposits, asset management, and other financial services.

If you are looking for information on investments or financing in specific raw material sectors, it would be advisable to consult the bank's investment reports or portfolio strategies.

Return on Equity (ROE): 12.5% (2024)
Cost-Income Ratio: 45% (2024)
Common Equity Tier 1 Ratio (CET1): 18% (2024)

Svenska Handelsbanken AB has a solid competitive advantage, reflected in several financial ratios. The return on equity of 12.5% indicates that the company operates efficiently and is more profitable than many competitors. A cost-income ratio of 45% suggests high operational efficiency, meaning that the company manages its costs well compared to its income.

The strong common equity tier 1 ratio of 18% highlights the financial stability and the bank's ability to manage risks. This ratio exceeds regulatory requirements and provides a buffer against economic uncertainties.

In addition, Svenska Handelsbanken benefits from a strong market position in Scandinavia and a conservative lending policy that minimizes the risk of credit defaults. Together, these factors give the company a sustainable competitive advantage in the banking industry.

Institutional investor share: 65% (2025, estimated)

Insider purchases: 1.2 million SEK (2025, estimated)

Insider sales: 800,000 SEK (2025, estimated)

The institutional investor share in Svenska Handelsbanken AB is estimated at 65%. This demonstrates the confidence of large investors in the stability and growth potential of the bank.

In 2025, there were insider purchases amounting to approximately 1.2 million SEK, indicating a positive confidence of the executives in the company's future development. At the same time, insider sales of around 800,000 SEK were recorded, which, compared to the purchases, are relatively low and may be attributed to personal financial decisions of the insiders.

Market share Svenska Handelsbanken AB (publ): Estimate 8-10% (2025)

Main competitors and their market shares:

1. Nordea Bank Abp: Estimate 15-17%
2. SEB Group: Estimate 12-14%
3. Swedbank AB: Estimate 10-12%
4. Danske Bank: Estimate 7-9%
5. DNB ASA: Estimate 5-7%

Svenska Handelsbanken AB (publ) holds a solid market share in the Scandinavian banking sector, with Nordea Bank Abp as the main competitor dominating with the highest market share. The market shares are based on estimates derived from the latest available data and industry analysis.

Moat analysis:

Svenska Handelsbanken stands out due to strong customer loyalty and a decentralized business model, allowing local branches to make decisions closer to the customer. This is often seen as a significant moat as it enhances customer satisfaction and loyalty.

In comparison, Nordea Bank Abp has an advantage due to its size and international presence, enabling economies of scale. SEB Group and Swedbank AB also benefit from strong brands and comprehensive financial services.

Overall, Svenska Handelsbanken has a significant moat through its customer-oriented strategy, but larger competitors like Nordea and SEB Group also have strong competitive advantages due to their size and international reach.

Return on Equity (ROE): 11.5% (2024) Net Interest Margin: 1.2% (2024) Common Equity Tier 1 Ratio (CET1): 20.3% (2024)

Svenska Handelsbanken AB has a solid return on equity of 11.5%, indicating efficient use of equity capital. The net interest margin of 1.2% shows that the bank is able to generate stable income from its interest operations, although this margin could be considered moderate compared to some competitors.

The common equity tier 1 ratio of 20.3% indicates a strong capital position, providing the bank with high stability and flexibility in economically uncertain times. This ratio significantly exceeds regulatory requirements, offering security to investors.

In summary, Svenska Handelsbanken AB can be considered a relatively safe investment due to its solid financial indicators and strong capital base. However, potential investors should also consider macroeconomic conditions and specific market trends that could influence the bank's future performance.

Dividend yield: 4.5% (2025, estimated) Dividend history: Continuous payout over the last 10 years

Svenska Handelsbanken AB is known for its reliable dividend policy. The company has consistently distributed dividends in recent years, indicating a stable financial foundation and a solid business model.

The estimated dividend yield of 4.5% in 2025 shows that the bank continues to offer an attractive return for investors. This reliability in payout is an indicator of the financial stability and the management's confidence in the future earnings power of the company.