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Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
Handelsbanken (SHB) investor relations material
Handelsbanken Pre-Close Call summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Pre-Close Call summary17 Dec, 2025
Executive summary
Call focused on reiterating publicly available information and clarifying expectations ahead of the interim report, with no new guidance or undisclosed data shared.
Discussion included regulatory changes, capital position, and general trends in volumes, margins, and costs.
Trading performance and revenue trends
Swedish mortgage volumes picked up slightly in October, while corporate lending growth remains muted.
Gradual volume increases observed in the UK and Netherlands; Norway remains flat.
Lower policy rates in Q3 have pressured transaction account deposit margins.
Strengthening of the Swedish krona is expected to be a headwind for sequential NII development.
Stock market indices up in Q4 vs Q3, supporting savings-related fee income.
Profitability and margins
No specific guidance on net interest margin due to multiple influencing factors; no one-off effects noted in the previous quarter.
No day count effect expected in Q4 NII.
Minor NFT income line remains stable, with no significant Q4 volatility.
Q4 P&L impact from Riksbank deposit booking?
Norwegian mortgage risk weight impact on REA?
Q4 NII sequential headwind from FX?
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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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