A presentation of Handelsbanken Finans

1. 2014-08-07 2014-08-07 A presentation of Handelsbanken Finans EXTERNAL

2. A few facts • The first finance company in Sweden, founded in 1963. • Present at Handelsbanken's 458 branches in Sweden, Norway, Finland, Denmark, Great Britain and Poland, as well as at thousands of retailers in stores and online. • Offers financing to both consumers and companies, as well as simple services for the daily financial needs of private individuals in collaboration with Stadshypotek Bank. • SEK 56bn in total assets (2006). • Strong growth with increased market share and good potential for continued growth.

3. History 1963 Svenska Finans – The first finance company in Sweden. 1978 Acquired Kreditinkasso & Kundkredit. 1983–1988 International expansion: – Svenska Finans International is formed. – Acquisition of Nordan A/S in Denmark (1986). – The Bank buys Astor Finans A/S, Norway (1988). 1991 Svenska Finans becomes Handelsbanken Finans. 1995 Acquired Skopfinans OY, Finland. 2000 Acquired Kronos AS, Norway. Acquired Spartacus A/S, Denmark. 2001/02 Acquired Midtfinans, Denmark. 2003 Started operations in Great Britain. 2004 Co-ordination with Stadshypotek Bank. 2005 Handelsbanken's card operations are integrated with Handelsbanken Finans. 2006 Business & product development of lending, deposit & payment services for private customers of Handelsbanken are integrated into Handelsbanken Finans. Start of operations in Poland.

4. Our mission To enhance Handelsbanken's opportunities of setting up long-term, profitable relationships with more customers by providing a better service at lower cost than our competitors. We define service as: • Availability • Simplicity • Care.

5. Strengths • Our main competitive factors: • – Availability – Simplicity– Care. • Long experience and in-depth specialist knowledge. • Best rating/best funding. • Low costs. • Highly developed customer focus and service level. • Pooling the resources of the whole Handelsbanken Group. • A vital part of the universal bank. • We have our own units in Sweden, Norway, Finland, Denmark, Great Britain and Poland. • We are present where business is done.

6. 2005 2004 2003 2002 2006 Operating profit (SEK m) 797 792 737 656 981 C/I ratio before credit losses (%) 40.5 38.5 38.6 41.2 38.4 Average number of employees 441 403 409 405 480 Loans to the public (SEK m) 42,148 37,806 35,413 33,016 47,919 Handelsbanken Finans 2002-2006 (excl. Stadshypotek Bank)

7. Services • Leasing & Conditional sales. • Bank services for companies. • Debt collection. • Vehicle fleet financing & administration. • Flexible card solutions. • Retail financial services. • Simple service for daily finances. • Card acquisition. • E-commerce.

8. Business areas Regional bank operations • Leasing, conditional sales and vehicle administration for all companies. Banking services • Business & product development of lending, deposit & payment services, mainly for private customers, as well as systems management in the same product areas. • Function responsibility for the credit area in the Bank excluding Stadshypotek. Card services • Overall responsibility for all card operations at Handelsbanken. • Card issuing, acquisition, complaints and branch support. Direct sales • Financing for purchases of consumer & capital goods by co-operation with retailers in Sweden. • Collaborations with external partners by means of affinity and co-branding cards. • Stadshypotek Bank – telephone and online banking with simple banking services for private individuals. International • Responsible for operations outside Sweden, with a full range of finance company products in Sweden Norway, Finland, Denmark, and for Great Britain and Poland mainly with leasing operations. Kredit-Inkasso • Kredit-Inkasso offers debt collection services in Sweden and abroad.