Summary January - December 2011, compared with January - December 2010

• Profit after tax for total operations increased by 12 per cent to SEK 12,323 million (11,025) and earnings per share rose by 12 per cent to SEK 19.78 (17.72)
• Operating profit for continuing operations increased by 12 per cent to SEK 16,536 million (14,770)
• Return on equity for total operations was 13.5 per cent (12.9)
• Income rose by 5 per cent to SEK 32,809 million (31,296)
• Net interest income rose by 11 per cent to SEK 23,613 million (21,337)
• The C/I ratio improved to 47.1 per cent (48.0)
• The loan loss ratio went down to 0.05 per cent (0.10)
• Tier 1 capital rose to SEK 93.5 billion (87.8) and the tier 1 capital ratio was 18.4 per cent (16.5). The core tier 1 capital ratio was 15.6 per cent (13.8)
• The average volume of loans to the public grew by 5 per cent to SEK 1,552 billion (1,475)
• In the UK, operating profit increased by 55 per cent
• The Bank's net inflow on the Swedish mutual fund market was SEK 14.4 billion, equivalent to a market share of 90 per cent
• The Board proposes a dividend of SEK 9.75 per share (9.00)

Summary of Q4 2011, compared with Q3 2011

• Profit after tax for total operations decreased to SEK 3,046 million (3,209) and earnings per share were SEK 4.88 (5.15)
• Operating profit for continuing operations was SEK 4,110 million (4,360)
• Return on equity for total operations was 13.0 per cent (14.1)
• Income increased by 1 per cent to SEK 8,374 million (8,328)
• Net interest income rose by 5 per cent to SEK 6,357 million (6,066)
• The loan loss ratio was 0.06 per cent (0.04)
• The average volume of loans to the public grew by 1 per cent to SEK 1,594 billion (1,574) and the average volume of deposits by 8 per cent to SEK 711 billion (660)
• The total liquidity reserve exceeded SEK 700 billion

The slide presentation for today's press conference will be available at 08.00 CET at www.handelsbanken.se/ireng

For further information, please contact:
Pär Boman, President and Group Chief Executive
Tel: +46 (0)8 22 92 20

Ulf Riese, CFO
Tel: +46 (0)8 22 92 20

Mikael Hallåker, Head of Investor Relations
Tel: +46 (0)8 701 29 95, miha11@handelsbanken.se

For more information about Handelsbanken, please go to: www.handelsbanken.com