Nederland Fact sheet

HANDELSBANKEN GROUP HANDELSBANKEN IN THE - Established in 1871 in Stockholm, Sweden; - A for individuals, entrepreneurs and - Listed, international bank active in about 20 companies. Our products and services are countries, with approximately 800 branches and characterised by customised, high-quality service over 12,000 employees; and a personal approach; - Local presence ensures in-depth knowledge of - Strong in mortgages and financing; a full range of the local market, high customer satisfaction and services for individuals regarding payments high-quality of outstanding loans; and savings; - Conservative risk profile resulting in low credit - Wealth management via Optimix, a wholly owned losses (6M2019: 0.06%); subsidiary of Handelsbanken; - The bank has no sales targets; - International financing and cash management - Handelsbanken has never needed government solutions through a worldwide branch network; support, not even during the financial crisis; - No bonuses for management or employees; - The Netherlands is one of Handelsbanken’s six - Number of employees in the Netherlands: 319 home markets, along with Sweden, the UK, (Q2 2019). Denmark, Finland and Norway. LOCAL BRANCH NETWORK OUR PHILOSOPHY 29 branches throughout the Netherlands, with plans to Handelsbanken is a bank with a strongly open more new branches. decentralised and cost-efficient way of working. Branches can take decisions locally, close to the Alkmaar Breda Maastricht customer, with a high degree of independence. Alphen aan den Rijn Den Haag Rijnmond Zuid Amersfoort Roermond Competent, passionate and with short lines. Long- Amstelveen Emmen Rotterdam term relationships with customers and direct personal Amstel Groningen Schiphol Amsterdam Centrum Haarlem Tilburg contact are paramount. Amsterdam Zuid ’s-Hertogenbosch Twente Apeldoorn Het Gooi Utrecht Arnhem Laren Zwolle OUR GOAL Bergen op Zoom Leeuwarden Handelsbanken aims to be more profitable than the average of a peer group of in its home markets, through higher customer satisfaction and lower costs. HIGH CUSTOMER SATISFACTION Independent research (EPSI, 2018) shows that A SOLID BANK Handelsbanken in the Netherlands has a higher - Handelsbanken has a conservative financing customer satisfaction than its peer banks and the policy. The bank only provides funding that it industry average, for both individual and corporate believes to be responsible vis-à-vis both the customers. customer and the bank. The European stress test 78 (EBA, 2018) shows that under extreme conditions 73,5 70,6 69,4 66,3 69,1 66,4 Handelsbanken is one of the strongest banks in 62,1 61,5 64,1 Europe; - Because of its good capital position – a common equity tier 1 ratio of 17.1% (Q2 2019) – and its low risk profile, Handelsbanken has a strong international credit rating, making it one of Europe’s most solid banks. Handelsbanken ABN Amro ING Industry average Individual customers Corporate customers

Long term Short Term Moody’s Aa2 Prime-1 MORE INFORMATION Standard & Poor’s AA- A-1+ Contact your local Handelsbanken branch or visit Fitch AA F1+ handelsbanken.nl. 2019/07