A presentation of Handelsbanken Finans

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A presentation of Handelsbanken Finans
2009-11-21
2009-11-21

• EXTERNAL

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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.

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History

• 1963 Svenska Finans The first finance company
  in Sweden.
• 1978 Acquired Kreditinkasso Kundkredit.
• 19831988 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.

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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.

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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.

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Handelsbanken Finans 2002-2006 (excl.
Stadshypotek Bank)
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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.

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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.