Approved and registered by Finansinspektionen ( FI ) and published by Handelsbanken on July 23, 2018. FI Dnr 18-13583, 18-13584 Supplement to the Base Prospectus FI Dnr 18-3014, 18-3215 for Svenska Handelsbanken AB (publ) s MTN, warrant and certificate programme. Approved and registered by the Swedish Financial Supervisory Authority on July 23, 2018. In accordance with Chapter 2, section 34 of the Financial Instruments (Trading) Act (SFS 1991:980), Handelsbanken hereby establish this supplement to the Base Prospectus dated March 21, 2018. The supplement is approved and registered by the Swedish Financial Supervisory Authority on July 23, 2018. Any investor who, before this supplement is made public, has submitted an application for or in any other way consented to a purchase or subscription of any transferrable security covered by the Base Prospectus, has the right to recall its application or consent within two weekdays from the publication of this supplement. Last day for recall is July 25, 2018. This supplement is made due to the publication on July 18, 2018 of Handelsbanken s interim Report for January - June 2018 and should be read together with, and is a part of the Base Prospectus. Handelsbanken s interim Report can be found at www.handelsbanken.se/ir and Base Prospectus can be found at www.handelsbanken.se. Changes are made to the following parts of the Base Prospectus: On page 182, add this sentence: Handelsbanken's Interim Report of July 18, 2018 is incorporated this Base Prospectus by reference. Section 8, Assets and liabilities, financial situation, and profits and losses, on page 29, subheading Incorporation by reference/most recent financial information, add this sentence: Handelsbanken's Interim Report, pages 26-60 and page 70 of July 18, 2018 incorporated this Base Prospectus by reference. Item B. 12 in the Summary in the Base Prospectus changes, so columns Q2 2017 and Q2 2018 adds as follows:
Item B.12 in the summary Historical financial information B.12 Historical financial information The below tables shows a summary of certain selected financial information taken from, and which must be read together with, Handelsbanken s audited annual accounts for the years ending 31 December 2017 and 31 December 2016, the reviewed interim report ending 30 June 2018 and the auditors reports and comments thereto. KEY RATIOS FOR THE HANDELSBANKEN GROUP YR 2017 YR 2016 Q2 2018 Q2 2017 Operating profit, MSEK 21 025 20 633 6 220 5 257 Profit for the year/ the period, MSEK 16 102 16 245 5 231 4 056 Total assets, MSEK 2 766 977 2 627 580 3 134 353 2 961 094 Shareholders' equity, MSEK 141 604 136 381 138 279 134 900 Return on equity, total business, total operations% 1 12,3 13,1 16,0 12,9 Primary capital ratio, %, CRD IV 2 22,7 25,1 21,4 23,4 Total Capital adequacy ratio, %, CRD IV 3 28,34 31,4 28,3 29,0 1) The year s profit in relation to average equity. Average equity is adjusted for value changes on financial assets classified as available for sale, derivatives in cash flow hedges, revaluation effects from defined benefit pension plans and a weighted average of new share issues, dividends and repurchase of own shares. This key ratio is not defined under IFRS The key figure is presented to facilitate an investor's assessment of the bank's financial situation and also for comparison between reporting periods. SEK m YR 2017 YR 2016 Q2 2018 Q2 2017 Equity 141 604 136 381 138 279 134 900 Adjustment defined benefit pension plans -4 711-1 656-2 957-4 253 Adjustment fair value reserve -499-974 -593-1 028 Adjustment hedge reserve -654-2 487-377 -1 907 Reversed weighted dividend Total adjusted equity 135 740 131 264 134 352 127 712 Adjusted equity, average 130 538 123 812 131 134 126 116 Adjustment fo impact of conversions on adjusted equity, quarterly average -1-1 332 0-1 Actual quarterly average of converted shares 1 1 335 0 1 Capital Market s holdings of SHB shares, 0 average 0 Adjusted equity, quarterly average 130 539 123 814 131 134 126 116 Profit for the period 16 102 16 245 5 231 4 056 Ereturn on equity, total operations 12,3% 13,1% 16,0% 12,9% 2) Common equity tier 1 capital in relation to riskweighted assets. This key ratio is not defined under IFRS but it is defined and calculated in accordance with EU regulation no 575/2013 EU (CRR) and EU directive no 2013/36/EU (CRD IV).. 3) Total own funds for capital adequacy purposes in relation to risk-weighted assets. This key ratio is not defined under IFRS but it is defined and calculated in accordance with EU regulation no 575/2013 EU (CRR) and EU directive no 2013/36/EU (CRD IV). HANDELSBANKEN'S INCOME STATEMENT AND BALANCE SHEET IN SUMMARY INCOME STATEMENT, MSEK YR 2017 YR 2016 Q2 2018 Q2 2017 Net interest items: 29 766 27 943 7 904 7 321 Net commissions: 9 718 9 156 2 551 2 508 Other revenues: 2 190 3 664 1 180 409 Total revenues: 41 674 40 763 11 635 10 238 Personnel costs -12 472-12 542-3 363-3 242 Other costs: -5 889-5 401-1 644-1 410 Write-down and depreciation: -619-495 -189-145 Total costs -18 980-18 438-5 196-4 797 Net credit losses -1 683-1 724-222 -186 Profits on sales of tangible / intangible assets:tillgångar: 14 32 3 2 Operating profit: 21 025 20 633 6 220 5 257 Taxes: -4 923-4 401-989 -1 201 Profit for the year / the period from divested business after tax - 13 - - Profit for the year / the period: 16 102 16 245 5 231 4 056
BALANCE SHEET, MSEK YR 2017 YR 2016 Q2 2018 Q2 2017 Lending to the public: 2 065 761 1 963 622 2 194 038 2 011 455 Cash and balances with central banks: Interest-bearing securities eligible as collateral with central banks: Loans to other credit institutions: Bonds and other interest-bearing securities: Other assets: Total assets: Deposits and borrowing from the public: Debts to credit institutions: Securities issued: Other liabilities: Total liabilities: Shareholders' equity Total liabilities and shareholders' equity: 265 234 224 889 436 347 489 566 129 006 97 205 141 828 119 603 20 250 31 347 36 985 33 526 49 601 63 909 62 009 61 243 237 125 246 608 263 146 245 701 2 766 977 2 627 580 3 134 353 2 961 094 941 967 829 336 1 126 480 1 120 291 174 820 178 781 211 927 202 681 1 276 595 1 261 765 1 406 806 1 264 536 231 991 221 317 250 861 238 686 2 625 373 2 491 199 2 996 074 2 826 194 141 604 136 381 138 279 134 900 2 766 977 2 627 580 3 134 353 2 961 094 Handelsbanken confirms that no material negative changes in Handelsbanken s outlooks or financial situation or market position have occurred since the publishing date of the annual report. The consolidated accounts have been prepared in accordance with international financial reporting standards (IFRSs) and interpretations of these standards as adopted by the EU. However, note that some of the key ratios stated above are not defined under IFRS, they are instead defined as described in the foot note to the relevant key ratio. Note that key ratios which are not calculated in accordance with IFRS not necessarily are comparable with similar ratios presented by other companies and may therefore have some limitations when used as an analyzing tool.
Danish translation: B.12 Historisk finansiel information Tabellerne nedenfor viser særligt udvalgte finansielle informationer hentet fra Handelsbankens reviderede årsrapport for året som slutter den 31. december 2017 og for året som slutter den 31. december 2016 og den overordnet gennemgået delårsrapport som sluttede den 30.juni 2018 og revisorernes rapporter og kommentarer til det.nøgletal for Handelsbankkoncernen. 2017 2016 Q2 2018 Q2 2017 Driftsresultat, mio. SEK 21 025 20 633 6 220 5 257 Årets resultat, mio. SEK 16 102 16 245 5 231 4 056 Balance, mio. SEK 2 766 977 2 627 580 3 134 353 2 961 094 Egenkapital, mio. SEK 141 604 136 381 138 279 134 900 Rentabilitet på egenkapital total virksomhed % 1 12,3 13,1 16,0 12,9 Kernekapitalprocent, %, CRD IV 2 22,7 25,1 21,4 23,4 Total Kernekapitalprocent, %, CRD IV 3 28,34 31,4 28,3 29,0 1) Årets resultat i relation til gennemsnitlig egenkapital. Gennemsnitlig egenkapital justeres for værdiændringer for finansielle aktiver der er disponibel for salg, derivater anvendt til afdækning af pengestrømme, opskrivningseffekt af netto pensionsforpligtelser samt et vægtet gennemsnit af aktieemission, udbytter og aktietilbagekøb. Ovenstående er ikke defineret i IFRS. Nøgletallet præsenteres for at lette en investors vurdering af bankens finansielle situation og øge sammenligneligheden mellem forskellige perioder.. mkr Egenkapital Regulering af ydelsesbaserede pensionsordninger Regulering til dagsværdireserve Justering reserve for sikringstransaktioner Vægtet udbytte tilføjet tilbage Samlet justerede egenkapital Korrigeret egenkapital, gennemsnit Regulering for konverteringars indvirkning på justerede egenkapital Faktisk gennemsnit af de konverterede aktier Capital Markets besiddelse af SHB aktier, gennemsnitlig Korrigeret egenkapital, årligt gennemsnit nettoindtægt Egenkapitalforrentning tot operationer ÅR 2017 ÅR 2016 Q2 2018 Q2 2017 141 604 136 381 138 279 134 900-4 711-1 656-2 957-4 253-499 -974-593 -1 028-654 -2 487-377 -1 907 135 740 131 264 134 352 127 712 130 538 123 812 131 134 126 116-1 -1 332 0-1 1 1 335 0 1 130 539 123 814 131 134 126 116 16 102 16 245 5 231 4 056 12,3% 13,1% 16,0% 12,9% 2) Kernekapital i forhold til risikovægtede aktiver. Dette element er ikke relateret til IFRS, men defineret og beregnet i overenstemmelse med EU-forordningen nr 575/2013 EU (CRR) og EU-direktivet 2013/36 / EU ( CRD IV ). 3) Den totale kapitalebase i forhold t il de risikovægtede aktiver. Dette element er ikke relateret til IFRS, men defineret og beregnet i overenstemmelse med EU-forordningen nr 575/2013 EU ( CRR ) og EU-direktivet 2013/36 / EU ( CRD IV ).
HANDELSBANKENS RESULTAT OG BALANCE Resultatopgørelse, mio. SEK 2017 2016 Q2 2018 Q2 2017 Renteindtægt, netto: 29 766 27 943 7 904 7 321 Provisionsindtægt, netto: 9 718 9 156 2 551 2 508 Øvrige indtægter: 2 190 3 664 1 180 409 Indtægter i alt: 41 674 40 763 11 635 10 238 Personaleomkostninger: -12 472-12 542-3 363-3 242 Øvrige omkostninger: -5 889-5 401-1 644-1 410 Af- og nedskrivninger: -619-495 -189-145 Omkostninger i alt -18 980-18 438-5 196-4 797 Tab og hensættelser -1 683-1 724-222 -186 Gevinst på salg af materielle/immaterielle aktiver: 14 32 3 2 Driftsresultat: 21 025 20 633 6 220 5 257 Skatter: -4 923-4 401-989 -1 201 Resultat fra frasolgte aktiviteter efter skat: - 13 - - Årets resultat: 16 102 16 245 5 231 4 056 Balance, mio. SEK 2017 2016 Q2 2018 Q2 2017 Udlån: 2 065 761 1 963 622 2 194 038 2 011 455 Kassebeholdning, tillgodehavender: 265 234 224 889 436 347 489 566 Belåningsbare statsobligationer 129 006 97 205 141 828 119 603 Udlån til øvrige kreditinstitutter: 20 250 31 347 36 985 33 526 Obligationer, rentebærende 49 601 63 909 62 009 61 243 værdipapirer: Øvrige aktiver: 237 125 246 608 263 146 245 701 Aktiver i alt: 2 766 977 2 627 580 3 134 353 2 961 094 Indlån: 941 967 829 336 1 126 480 1 120 291 Gæld til kreditinstitutter: 174 820 178 781 211 927 202 681 Værdipapirer: 1 276 595 1 261 765 1 406 806 1 264 536 Øvrige passiver: 231 991 221 317 250 861 238 686 Passiver: 2 625 373 2 491 199 2 996 074 2 826 194 Egenkapital 141 604 136 381 138 279 134 900 Passiver og egenkapital i alt: 2 766 977 2 627 580 3 134 353 2 961 094 Handelsbanken bekræfter, at der ikke har været nogen væsentlige, negative forandringer i Handelsbankens fremtidsudsigter, finansielle- eller markedsposition, siden den dato, hvor delårsrapporten blev publiceret. Koncernregnskabet er udarbejdet efter de internationale regnskabsstandarder (IFRS) og fortolkningerne af disse standarder, som de er godkendt af EU. Vær opmærksom på, at en række af ovenstående indikatorer ikke er defineret i IFRS, men er defineret i fodnoterne. Nøgletal ej defineret i IFRS kan ikke sammenlignes med tilsvarende nøgletal præsenteret af andre institutioner og kan dermed have visse begrensninger som analyseværktøj.