Handelsbanken

Handelsbanken

Handelsbanken was founded in 1871 and is today considered one of the world’s most secure banks. The bank offers a wide variety of financial services. It has a decentralized work method with a strong local presence and a major focus on customer requirements. 

Handelsbanken’s model, with a local market presence, long-term customer relationships and strong local decision-making power, is particularly suitable for customers with stable cash flows seeking a long-term relationship with their bank. The bank’s offering is particularly targeted at private customers, real estate companies and other owner-operated companies. 

The credit policy is always based on the customer’s repayment capacity. For a long time, the bank has been operating with a low loan-loss ratio, high customer satisfaction and strong profitability. The bank’s credit rating with the leading rating agencies is one of the best in the world and according to Global Finance’s annual ranking, Handelsbanken is the safest commercial bank in Europe. 

Handelsbanken is the largest overall lender to households and companies in the Swedish market.  

Sustainability

Handelsbanken has long integrated sustainability as a natural part of its business, with a focus on long-term responsibility and close customer relationships. The bank aims to ensure that its operations can fully support its customers in their green transition, in line with prevailing scientific and climate objectives in its home markets and in the EU. The bank’s goal is to provide capital and liquidity that meet its customers’ financing needs and to offer products, services and advice that create the conditions for a sustainable transition. This will make it easier for Handelsbanken to integrate sustainability into all its dealings with customers, wherever and however customers choose to reach out to the bank. 

Financial objectives

Handelsbanken’s objective is to achieve higher profitability than the average for comparable competitors in its home markets. The aim is to be achieved primarily by having more satisfied customers and lower costs than competing banks.