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Handelsbanken (SHB) investor relations material

Handelsbanken Pre-Close Call summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Pre-Close Call summary29 Sep, 2025

Trading performance and revenue trends

  • Volume growth in home markets remained subdued, as indicated by official statistics and market data.

  • Lower policy rates since June have pressured transaction account deposit margins, though lending and term deposit rates can be adjusted to offset some effects.

  • Q3 contains one more day than Q2, with a net day count effect estimated at SEK 30 million per day.

  • FX movements across operating countries largely offset each other, resulting in modest net FX effects on both income and cost lines.

  • Savings-related fees, which make up about two-thirds of commissions, are expected to benefit from a slight increase in daily average stock market indices in Q3 versus Q2.

Profitability and margins

  • Net interest margin (NIM) sensitivity remains difficult to predict due to multiple influencing factors, and no specific guidance is provided.

  • NFT income line remains minor and stable, with no significant Q3 events highlighted.

  • No restructuring costs are guided for Q3, with previous cost initiatives considered largely complete.

Balance sheet and liquidity position

  • CET1 ratio at the end of Q2 was 18.4%, 350 basis points above SREP, with ongoing review of the 50 basis point headroom to the target range.

  • Ambition remains to move into a 100–300 basis point target range above SREP, but no specific timing is provided.

  • No changes in balance sheet structure or funding activities; normal routines maintained for both short- and long-term funding.

  • Two senior trades executed during the quarter, one in euros and one in U.S. dollars, following standard funding routines.

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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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