Svenska Handelsbanken AB (Handelsbanken)

Founded in Stockholm in 1871, Handelsbanken is a Swedish bank serving personal, corporate and institutional customers. Its home markets are Sweden, Norway, the United Kingdom and the Netherlands, with additional operations supporting customers in Luxembourg and the United States.

The bank operates through a decentralised branch model: local offices have broad authority to make customer and credit decisions, supported by central specialist teams. Its offering spans retail and corporate banking, investment banking, trading and financial-institution services.

Handelsbanken is especially associated with long-term customer relationships, high customer satisfaction and disciplined risk management. The model is designed to support sustainable profitability through local knowledge, lower operating costs and strong credit quality rather than rapid centralised growth.