Michael Green
President & Group CEO
Good morning, everyone, and welcome to this presentation of Handelsbanken’s results for the fourth quarter and full year of 2025. The bank reported a solid fourth quarter with net profits from continuing operations, up slightly compared to Q3 and a return on equity of 13%. The savings business continued to perform well with strong inflows in customer savings.
Assets under management reached an all-time high in our home markets. Household lending has started to grow again in most of our home markets. And in the U.K. and the Netherlands, we now have also seen several quarters with steadily growth also in corporate lending.
All in all, the income increased in the quarter, while the normal seasonal pickup in expenses was fairly modest. Asset quality remained very strong, and we added yet another quarter with net credit loss reversals, bringing the consecutive count to 8 quarters in a row with net reversals.
So given the solid asset quality and strong financial position of the bank, the Board proposes a dividend of SEK 17.50 per share to the AGM, which an ordinary dividend of SEK 8 per share and an extra dividend of
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