Approved and registered by Finansinspektionen ( FI ) and published by Handelsbanken on July 26, 217. FI Dnr 172144, 172157 Supplement to the Base Prospectus FI Dnr 17-2752, 17-2917 for Svenska Handelsbanken AB (publ) s MTN, warrant and certificate programme. Approved and registered by the Swedish Financial Supervisory Authority on July 26, 217 In accordance with Chapter 2, section 34 of the Financial Instruments (Trading) Act (SFS 1991:98), Handelsbanken hereby establish this supplement to the Base Prospectus dated March 29, 217. The supplement is approved and registered by the Swedish Financial Supervisory Authority on July 26, 217. 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 28, 217 This supplement is made due to the publication on July 18, 217 of Handelsbanken s interim Report for January - June 217 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: On page 187, add this sentence: Handelsbanken's Interim Report of July 18, 217 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 26-62 of July 18, 217 incorporated this Base Prospectus by reference. Item B. 12 in the Summary in the Base Prospectus changes, so columns Q2 216 and Q2 217 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 215 and 31 December 216, the generally reviewed interim report ending 3 June 217 and the auditors reports and comments thereto. KEY RATIOS FOR THE HANDELSBANKEN GROUP YR 216 YR 215 Q2 217 Q2 216 Operating profit, MSEK 2 633 2 475 5 257 5 277 Profit for the year/ the period, MSEK 16 245 16 343 4 56 4 194 Total assets, MSEK 2 627 58 2 522 133 2 961 94 3 3 645 Shareholders' equity, MSEK 136 381 128 268 134 9 129 582 Return on equity, total business, total operations% 1 13,1 13,5 12,9 14,2 Primary capital ratio, %, CRD IV 2 25,1 21,2 23,4 23, Total Capital adequacy ratio, %, CRD IV 3 31,4 27,2 29, 28,9 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 216 YR 215 Q2 217 Q2 216 Equity 136 381 128 268 134 9 129 582 Adjustment defined benefit pension plans 656 1 461-4 253 2 317 Adjustment fair value reserve -974-2 24 28 59 Adjustment hedge reserve -2487-4 94 97-8 815 Reversed weighted dividend Total adjusted equity 131 264 122 765 127 712 121 575 Adjusted equity, average 123 812 12 644 126 116 117 985 Adjustment fo impact of conversions on adjusted equity, quarterly average 332-961 Actual quarterly average of converted shares 1335 1 1 856 Capital Market s holdings of SHB shares, average Adjusted equity, quarterly average 123 814 12 644 126 116 117 88 Profit for the period 16 245 16 343 4 56 4 194 Ereturn on equity, total operations 13,1% 13,5% 12,9% 14,2% 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 575/213 EU (CRR) and EU directive no 213/36/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 575/213 EU (CRR) and EU directive no 213/36/EU (CRD IV). HANDELSBANKEN'S INCOME STATEMENT AND BALANCE SHEET IN SUMMARY INCOME STATEMENT, MSEK YR 216 YR 215 Q2 217 Q2 216 Net interest items: 27 943 27 74 7 321 6 88 Net commissions: 9 156 9 32 2 58 2 28 Other revenues: 3 664 3 276 49 834 Total revenues: 4 763 4 336 1 238 9 922 Personnel costs 2 542 2 581-3 242-2 952 Other costs: -5 41-5 23 41 346 Write-down and depreciation: -495-487 45 19 Total costs 8 438 8 271-4 797-4 417 Net credit losses 724 597 86-229 Profits on sales of tangible / intangible assets:tillgångar: 32 7 2 1 Operating profit: 2 633 2 475 5 257 5 277 Taxes: -4 41-4 277 21 91 Profit for the year / the period from divested business after tax 13 145-8 Profit for the year / the period: 16 245 16 343 4 56 4 194
BALANCE SHEET, MSEK YR 216 YR 215 Q2 217 Q1 216 Lending to the public: 1 963 622 1 866 467 2 11 455 1 937 155 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: 224 889 236 748 489 566 583 11 97 25 74 777 119 63 117 753 31 347 49 656 33 526 48 479 63 99 44 513 61 243 46 223 246 68 249 972 245 71 298 24 2 627 58 2 522 133 2 961 94 3 3 645 829 336 753 855 1 12 291 1 134 5 178 781 163 77 22 681 27 312 1 261 765 1 245 367 1 264 536 1 32 83 221 317 23 873 238 686 239 168 2 491 199 2 393 865 2 826 194 2 91 63 134 9 128 268 134 9 129 582 2 627 58 2 522 133 2 961 94 3 3 645 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 215 og for året som slutter den 31. december 216 og den overordnet gennemgået delårsrapport som sluttede den 3. juni 217 og revisorernes rapporter og kommentarer til det.nøgletal for Handelsbankkoncernen. 216 215 Q2 217 Q2 216 Driftsresultat, mio. SEK 2 633 2 475 5 257 5 277 Årets resultat, mio. SEK 16 245 16 343 4 56 4 194 Balance, mio. SEK 2 627 58 2 522 133 2 961 94 3 3 645 Egenkapital, mio. SEK 136 381 128 268 134 9 129 582 Rentabilitet på egenkapital total virksomhed % 1 13,1 13,5 12,9 14,2 Kernekapitalprocent, %, CRD IV 2 25,1 21,2 23,4 23, Total Kernekapitalprocent, %, CRD IV 3 31,4 27,2 29, 28,9 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 ÅR 216 ÅR 215 Q2 217 Q2 216 Egenkapital 136 381 128 268 134 9 129 582 Regulering af ydelsesbaserede pensionsordninger 656 1 461-4 253 2 317 Regulering til dagsværdireserve -974-2 24 28 59 Justering reserve for sikringstransaktioner -2487-4 94 97-8 815 Vægtet udbytte tilføjet tilbage Samlet justerede egenkapital 131 264 122 765 127 712 121 575 Korrigeret egenkapital, gennemsnit 123 812 12 644 126 116 117 985 Regulering for konverteringars indvirkning på justerede egenkapital 332 Faktisk gennemsnit af de konverterede aktier 1335 1 1 856 Capital Markets besiddelse af SHB aktier, gennemsnitlig Korrigeret egenkapital, årligt gennemsnit 123 814 12 644 126 116 117 88 nettoindtægt 16 245 16 343 4 56 4 194 Egenkapitalforrentning tot operationer 13,1% 13,5% 12,9% 14,2% 2) Kernekapital i forhold til risikovægtede aktiver. Dette element er ikke relateret til IFRS, men defineret og beregnet i overenstemmelse med EU-forordningen nr 575/213 EU (CRR) og EU-direktivet 213/36 / 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 575/213 EU ( CRR ) og EU-direktivet 213/36 / EU ( CRD IV ). -961 HANDELSBANKENS RESULTAT OG BALANCE Resultatopgørelse, mio. SEK 216 215 Q2 217 Q2 216 Renteindtægt, netto: 27 943 27 74 7 321 6 88 Provisionsindtægt, netto: 9 156 9 32 2 58 2 28 Øvrige indtægter: 3 664 3 276 49 834 Indtægter i alt: 4 763 4 336 1 238 9 922 Personaleomkostninger: 2 542 2 581-3 242-2 952 Øvrige omkostninger: -5 41-5 23 41 346 Af- og nedskrivninger: -495-487 45 19 Omkostninger i alt 8 438 8 271-4 797-4 417 Tab og hensættelser 724 597 86-229 Gevinst på salg af materielle/immaterielle aktiver: 32 7 2 1 Driftsresultat: 2 633 2 475 5 257 5 277 Skatter: -4 41-4 277 21 91 Resultat fra frasolgte aktiviteter efter skat: 13 145-8 Årets resultat: 16 245 16 343 4 56 4 194
Balance, mio. SEK 216 215 Q2 217 Q2 216 Udlån: 1 963 622 1 866 467 2 11 455 1 937 155 Kassebeholdning, tillgodehavender: 224 889 236 748 489 566 583 11 Belåningsbare statsobligationer 97 25 74 777 119 63 117 753 Udlån til øvrige kreditinstitutter: 31 347 49 656 33 526 48 479 Obligationer, rentebærende 63 99 44 513 61 243 46 223 værdipapirer: Øvrige aktiver: 246 68 249 972 245 71 298 24 Aktiver i alt: 2 627 58 2 522 133 2 961 94 3 3 645 Indlån: 829 336 753 855 1 12 291 1 134 5 Gæld til kreditinstitutter: 178 781 163 77 22 681 27 312 Værdipapirer: 1 261 765 1 245 367 1 264 536 1 32 83 Øvrige passiver: 221 317 23 873 238 686 239 168 Passiver: 2 491 199 2 393 865 2 826 194 2 91 63 Egenkapital 134 9 128 268 134 9 129 582 Passiver og egenkapital i alt: 2 627 58 2 522 133 2 961 94 3 3 645 Handelsbanken bekræfter, at der ikke har været nogen væsentlige, negative forandringer i Handelsbankens fremtidsudsigter, finansielle- eller markedsposition, siden den dato, hvor årsopgørelsen 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.