Approved and registered by Finansinspektionen ( FI ) and published by Handelsbanken on November 1, 2018. FI Dnr 18-19776, 18-20030 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 November 1, 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 November 1, 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 November 5, 2018. This supplement is made due to the publication on October 24, 2018 of Handelsbanken s interim Report for January - September 2018 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 182, add this sentence: Handelsbanken's Interim Report of October 24, 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 26-62 of October 24, 2018 incorporated this Base Prospectus by reference. Item B. 12 in the Summary in the Base Prospectus changes, so columns Q3 2017 and Q3 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 September 2018 and the auditors reports and comments thereto. KEY RATIOS FOR THE HANDELSBANKEN GROUP YR 2017 YR 2016 Q3 2018 Q3 2017 Operating profit, MSEK 21 025 20 633 5 344 5 424 Profit for the year/ the period, MSEK 16 102 16 245 4 106 4 173 Total assets, MSEK 2 766 977 2 627 580 3 087 236 2 981 055 Shareholders' equity, MSEK Return on equity, total business, total operations% 1 12,3 13,1 12,1 12,9 Primary capital ratio, %, CRD IV 2 22,7 25,1 21,7 23,6 Total Capital adequacy ratio, %, CRD IV 3 28,34 31,4 27,1 28,5 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 Q3 2018 Q3 2017 Equity Adjustment defined benefit pension plans -4 711-1 656-4 240-4 543 Adjustment fair value reserve -499-974 -624-1 064 Adjustment hedge reserve -654-2 487 955-1 464 Reversed weighted dividend Total adjusted equity 135 740 131 264 137 301 131 880 Adjusted equity, average 130 538 123 812 135 827 129 796 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 0 0 average 0 Adjusted equity, quarterly average 130 539 123 814 135 827 129 796 Profit for the period 16 102 16 245 4 106 4 173 Ereturn on equity, total operations 12,3% 13,1% 12,1% 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 Q3 2018 Q3 2017 Net interest items: 29 766 27 943 7 862 7 587 Net commissions: 9 718 9 156 2 624 2 355 Other revenues: 2 190 3 664 242 306 Total revenues: 41 674 40 763 10 728 10 248 Personnel costs -12 472-12 542-3 421-3 134 Other costs: -5 889-5 401-1 554-1 337 Write-down and depreciation: -619-495 -181-140 Total costs -18 980-18 438-5 156-4 611 Net credit losses -1 683-1 724-230 -217 Profits on sales of tangible / intangible assets:tillgångar: 14 32 2 4 Operating profit: 21 025 20 633 5 344 5 424 Taxes: -4 923-4 401-1 238-1 251 Profit for the year / the period from divested business after tax - 13 - - Profit for the year / the period: 16 102 16 245 4 106 4 173
BALANCE SHEET, MSEK YR 2017 YR 2016 Q3 2018 Q3 2017 Lending to the public: 2 065 761 1 963 622 2 193 712 2 040 589 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: 265 234 224 889 405 868 488 829 129 006 97 205 145 589 112 339 20 250 31 347 35 722 30 742 49 601 63 909 56 571 61 996 237 125 246 608 249 774 246 560 2 766 977 2 627 580 3 087 236 2 981 055 941 967 829 336 1 099 384 1 112 138 174 820 178 781 194 657 205 355 1 276 595 1 261 765 1 393 819 1 274 283 231 991 221 317 258 166 245 328 2 625 373 2 491 199 2 946 026 2 842 104 2 766 977 2 627 580 3 087 236 2 981 055 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.september 2018 og revisorernes rapporter og kommentarer til det.nøgletal for Handelsbankkoncernen. 2017 2016 Q3 2018 Q3 2017 Driftsresultat, mio. SEK 21 025 20 633 5 344 5 424 Årets resultat, mio. SEK 16 102 16 245 4 106 4 173 Balance, mio. SEK 2 766 977 2 627 580 3 087 236 2 981 055 Egenkapital, mio. SEK Rentabilitet på egenkapital total virksomhed % 1 12,3 13,1 12,1 12,9 Kernekapitalprocent, %, CRD IV 2 22,7 25,1 21,7 23,6 Total Kernekapitalprocent, %, CRD IV 3 28,34 31,4 27,1 28,5 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 Q3 2018 Q3 2017-4 711-1 656-4 240-4 543-499 -974-624 -1 064-654 -2 487 955-1 464 135 740 131 264 137 301 131 880 130 538 123 812 135 827 129 796-1 -1 332 0-1 1 1 335 0 1 130 539 123 814 135 827 129 796 16 102 16 245 4 106 4 173 12,3% 13,1% 12,1% 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 Q3 2018 Q3 2017 Renteindtægt, netto: 29 766 27 943 7 862 7 587 Provisionsindtægt, netto: 9 718 9 156 2 624 2 355 Øvrige indtægter: 2 190 3 664 242 306 Indtægter i alt: 41 674 40 763 10 728 10 248 Personaleomkostninger: -12 472-12 542-3 421-3 134 Øvrige omkostninger: -5 889-5 401-1 554-1 337 Af- og nedskrivninger: -619-495 -181-140 Omkostninger i alt -18 980-18 438-5 156-4 611 Tab og hensættelser -1 683-1 724-230 -217 Gevinst på salg af materielle/immaterielle aktiver: 14 32 2 4 Driftsresultat: 21 025 20 633 5 344 5 424 Skatter: -4 923-4 401-1 238-1 251 Resultat fra frasolgte aktiviteter efter skat: - 13 - - Årets resultat: 16 102 16 245 4 106 4 173 Balance, mio. SEK 2017 2016 Q3 2018 Q3 2017 Udlån: 2 065 761 1 963 622 2 193 712 2 040 589 Kassebeholdning, tillgodehavender: 265 234 224 889 405 868 488 829 Belåningsbare statsobligationer 129 006 97 205 145 589 112 339 Udlån til øvrige kreditinstitutter: 20 250 31 347 35 722 30 742 Obligationer, rentebærende 49 601 63 909 56 571 61 996 værdipapirer: Øvrige aktiver: 237 125 246 608 249 774 246 560 Aktiver i alt: 2 766 977 2 627 580 3 087 236 2 981 055 Indlån: 941 967 829 336 1 099 384 1 112 138 Gæld til kreditinstitutter: 174 820 178 781 194 657 205 355 Værdipapirer: 1 276 595 1 261 765 1 393 819 1 274 283 Øvrige passiver: 231 991 221 317 258 166 245 328 Passiver: 2 625 373 2 491 199 2 946 026 2 842 104 Egenkapital Passiver og egenkapital i alt: 2 766 977 2 627 580 3 087 236 2 981 055 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.