Approved and registered by Finansinspektionen ( FI ) and published by Handelsbanken on 15 July, 2016. FI Dnr 16-10260, 16-10568 Supplement to the Base Prospectus FI Dnr 16-2120, 16-2121 for Svenska Handelsbanken AB (publ) s MTN, warrant and certificate programme. Approved and registered by the Swedish Financial Supervisory Authority on July 15, 2016. 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 16, 2016. The supplement is approved and registered by the Swedish Financial Supervisory Authority on July 15, 2016. 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 19, 2016. This supplement is made due to the publication on July 15, 2016 of Handelsbanken s interim Report for April - June 2016 and should be read together with, and is a part of the Base Prospectus. Handelsbanken s interim Report and Base Prospectus can be found at www.handelsbanken.se. Changes are made to the following parts of the Base Prospectus: 1. On page 3, add this sentence: Handelsbanken's Interim Report of July 15, 2016 incorporated this Base Prospectus by reference. 2. Section 8, Assets and liabilities, financial situation, and profits and losses, on page 28, subheading Incorporation by reference/most recent financial information, add this sentence: Handelsbanken's Interim Report, pages 25-53 of July 15, 2016 incorporated this Base Prospectus by reference. 3. 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 year ending 31 December 2015, the generally reviewed interim report ending 31 March 2016 and the auditors reports and comments thereto. KEY RATIOS FOR THE HANDELSBANKEN GROUP YR 2015 YR 2014 Q2 2016 Q2 2015 Operating profit, MSEK 20 475 19 212 5 277 5 256 Profit for the year/ the period, MSEK 16 343 15 184 4 194 4 173 Total assets, MSEK 2 522 133 2 816 676 3 030 645 2 935 809 Shareholders' equity, MSEK 128 268 126 827 129 582 123 971 Return on equity, total business, actual tax % 1 13,5 13,4 14,2 14,5 Primary capital ratio, %, CRD IV 2 21,2 20,4 23,0 21,3 Total Capital adequacy ratio, %, CRD IV 3 27,2 25,6 28,9 28,4 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 but it is defined in AR 2015. 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 2015 YR 2014 Q2 2016 Q2 2015 Net interest items: 27 740 27 244 6 808 7 019 Net commissions: 9 320 8 556 2 280 2 359 Other revenues: 3 276 2 514 834 843 Total revenues: 40 336 38 314 9 922 10 221 Personnel costs -12 581-11 766-2 952-3 149 Other costs: -5 203-5 099-1 346-1 336 Write-down and depreciation: -487-462 -119-122 Total costs -18 271-17 327-4 417-4 607 Net credit losses -1 597-1 781-229 -359 Profits on sales of tangible / intangible assets:tillgångar: 7 6 1 1 Operating profit: 20 475 19 212 5 277 5 256 Taxes: -4 277-4 069-1 091-1 110 Profit for the year / the period from divested business after tax 145 41 8 27 Profit for the year / the period: 16 343 15 184 4 194 4 173 BALANCE SHEET, MSEK YR 2015 YR 2014 Q2 2016 Q2 2015 Lending to the public: 1 866 467 1 807 836 1 937 155 1 851 432 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: 236 748 505 579 583 011 553 935 74 777 78 219 117 753 73 071 49 656 70 339 48 479 87 250 44 513 63 725 46 223 56 502 249 972 290 978 298 024 313 619 2 522 133 2 816 676 3 030 645 2 935 809 753 855 1 022 267 1 134 500 1 093 551 163 770 200 074 207 312 218 571 1 245 367 1 212 613 1 320 083 1 214 721 230 873 254 895 239 168 284 995 2 393 865 2 689 849 2 901 063 2 811 838 128 268 126 827 129 582 123 971 2 522 133 2 816 676 3 030 645 2 935 809
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 interim 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 Nedenstående tabeller viser et sammendrag af finansiel information fra Handelsbankens legale årsregnskab anno 2015 2015 og delårsrapporten som slutter den 30 juni 2016, som i enighed med praksis, er overgribende gransket men ikke revideret.. Som forklarende element til sammendraget indgår fodnoter fra bankens revision nedenfor. Nøgletal for Handelsbankkoncernen 2015 2014 Q2 2016 Q2 2015 Driftsresultat, mio. SEK 20 475 19 212 5 277 5 256 Årets resultat, mio. SEK 16 343 15 184 4 194 4 173 Balance, mio. SEK 2 522 133 2 816 676 3 030 645 2 935 809 Egenkapital, mio. SEK 128 268 126 827 129 582 123 971 Rentabilitet på egenkapital total virksomhed % 1 13,5 13,4 14,2 14,5 Kernekapitalprocent, %, CRD IV 2 21,2 20,4 23,0 21,3 Total Kernekapitalprocent, %, CRD IV 3 27,2 25,6 28,9 28,4 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 men i år 2015. 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 2015 2014 Q2 2016 Q2 2015 Renteindtægt, netto: 27 740 27 244 6 808 7 019 Provisionsindtægt, netto: 9 320 8 556 2 280 2 359 Øvrige indtægter: 3 276 2 514 834 843 Indtægter i alt: 40 336 38 314 9 922 10 221 Personaleomkostninger: -12 581-11 766-2 952-3 149 Øvrige omkostninger: -5 203-5 099-1 346-1 336 Af- og nedskrivninger: -487-462 -119-122 Omkostninger i alt -18 271-17 327-4 417-4 607 Tab og hensættelser -1 597-1 781-229 -359 Gevinst på salg af materielle/immaterielle aktiver: 7 6 1 1 Driftsresultat: 20 475 19 212 5 277 5 256 Skatter: -4 277-4 069-1 091-1 110 Resultat fra frasolgte aktiviteter efter skat: 145 41 8 27 Årets resultat: 16 343 15 184 4 194 4 173 Balance, mio. SEK 2015 2014 Q2 2016 Q2 2015 Udlån: 1 866 467 1 807 836 1 937 155 1 851 432 Kassebeholdning, tillgodehavender: 236 748 505 579 583 011 553 935 Belåningsbare statsobligationer 74 777 78 219 117 753 73 071 Udlån til øvrige kreditinstitutter: 49 656 70 339 48 479 87 250 Obligationer, rentebærende værdipapirer: 44 513 63 725 46 223 56 502 Øvrige aktiver: 249 972 290 978 298 024 313 619 Aktiver i alt: 2 522 133 2 816 676 3 030 645 2 935 809 Indlån: 753 855 1 022 267 1 134 500 1 093 551 Gæld til kreditinstitutter: 163 770 200 074 207 312 218 571 Værdipapirer: 1 245 367 1 212 613 1 320 083 1 214 721 Øvrige passiver: 230 873 254 895 239 168 284 995 Passiver: 2 393 865 2 689 849 2 901 063 2 811 838 Egenkapital 128 268 126 827 129 582 123 971 Passiver og egenkapital i alt: 2 522 133 2 816 676 3 030 645 2 935 809 Handelsbanken bekræfter, at der ikke har været nogen væsentlige, negative forandringer
i Handelsbankens fremtidsudsigter, finansielle- eller markedsposition, siden den dato, hvor delårstapporten 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.