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Handelsbanken (SHB) investor relations material
Handelsbanken Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Q3 2025 operating profit rose 8% sequentially to SEK 7,768m, with ROE at 13.3% and cost/income ratio at 40.5%, reflecting increased income and decreased costs.
Net credit loss reversals continued for the seventh consecutive quarter, supporting strong asset quality.
CET1 ratio stood at 18.2%, 350bp above regulatory requirements, reflecting a robust capital position.
Customer satisfaction remains high, with top rankings in digital offerings and local presence.
Anticipated dividend for the first nine months is SEK 10.65 per share, representing 119% of profit for the period.
Financial highlights
Q3 2025 total income was SEK 14,121m, up 4% sequentially; expenses decreased 5% to SEK 5,715m.
Net interest income in Q3 2025 declined 2% to SEK 10,468m; net fee and commission income rose 4% to SEK 2,979m.
For Jan–Sep 2025, operating profit was SEK 23,068m, down 11% year-over-year; net interest income fell 7% and total income declined 8%.
Net credit loss ratio remained at -0.01% for both Q3 and Jan–Sep 2025.
Net credit loss reversals totaled SEK 35m in Q3 and SEK 308m for the nine months.
Outlook and guidance
Positive signs of lending growth in the UK, Netherlands, and Swedish mortgage market.
Management expects household and corporate lending demand to pick up as macro conditions improve.
Fiscal stimulus and lower rates are anticipated to support household sentiment and investment.
Signs of volume growth and improved cost/income ratio are expected to support future earnings.
Ongoing focus on efficiency and cost control is expected to support profitability.
Manage CET1 buffer with new regulatory demands?
Mitigate NII pressure from lower market rates?
Strategic outlook for remaining Finnish operations?
Elaborate on M&A strategy given capital buffer
How will cost efficiency support income growth?
U.K. profitability outlook with further rate cuts?
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Next Handelsbanken earnings date
Q4 20254 Feb, 2026
Next Handelsbanken earnings date
Q4 20254 Feb, 2026
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Frequently asked questions
Handelsbanken is one of Sweden's largest banks. The company offers a range of bank accounts, including savings accounts, mortgages and housing loans, consumer loans, and payment services. The company was formerly known as Föreningssparbanken and changed its name to Handelsbanken in September 1966. Handelsbanken was founded in 1871 and is headquartered in Stockholm, Sweden.
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