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Interim Report January–September 2026

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Handelsbanken’s Interim Report January – September 2026 Q3 2026 (Q2 2026)  Operating profit increased to SEK 7,353m (6,678)  Adjusted for items affecting comparability, operating profit increased by 10%  Return on equity increased to 13.5% (12.8)  Earnings per share increased to SEK 2.87 (2.60)  The C/I ratio improved to 42.3% (44.3)  The credit loss ratio was 0.00% (0.00)  The common equity tier 1 ratio was 17.0% (17.2 ) JANUARY – SEPTEMBER 2026 (JANUARY – SEPTEMBER 2025)  Operating profit was SEK 22,226m (22,933)  Adjusted for items affecting comparability, operating profit decreased by 8%  Return on equity increased to 13.3% (13.0)  Earnings per share amounted to SEK 8.68 (8.97)  The C/I ratio improved to 42.0% (42.3)  The credit loss ratio was 0.00% (-0.01)  The common equity tier 1 ratio was 17.0% (18.2 ) Stable quarter of growth in business volumes Income increased on the preceding quarter, with rising net interest income, net fee and commission income and net gains/losses on financial transactions. Expenses decreased and the credit loss ratio was 0.00%. Operating profit increased in all home markets. Lending volumes rose, primarily driven by the UK and the Netherlands. Assets under management in the savings business increased to the highest levels to date, positively impacted by both rising market values and continued strong net inflows. Customer appreciation confirmed again by customer satisfaction surveys and awards Customer appreciation of the Bank’s decentralised and customer-centric business model was confirmed by the numerous external awards won during the quarter. Over the past few decades, the Bank’s overall customer satisfaction has been consistently higher than that of its peer competitors in all home markets according to the Swedish Quality Index/EPSI. The Bank was named “Business Bank of the Year” in the Finansbarometern survey for the fifth consecutive year and named “Sweden’s Small Enterprise Bank” for the fourteenth consecutive year. Global Finance also ranked Handelsbanken The World’s Safest Commercial Bank during the quarter. Financial stability and capital generation The common equity tier 1 ratio, after anticipated dividends, amounted to 17.0%. This was 2.5 percentage points above the regulatory requirement, which was lowered from 14.7% to 14.5%. For the first nine months of the year SEK 8.02 per share was anticipated as dividends, which corresponded to 92% of profit for the period. A new PD model for corporate exposures, which was approved by the Swedish Financial Supervisory Authority in the second quarter, was implemented during the quarter. After the end of the period, the Swedish Financial Supervisory Authority approved the Bank’s new PD model for household exposures. After the removal of the related additional capital requirement, the introduction of the new PD model for household exposures is expected to reduce the common equity tier 1 capital requirement by approximately SEK 3bn, net. No other privately owned bank in the world has a higher overall credit rating from the leading rating agencies. The Bank’s financial strength creates trust and confidence, as well as prerequisites for continued stable and profitable growth . * Items affecting comparability consist of foreign exchange effects, non -recurring items and special items, which are presented in the tables on pages 4 and 6 . Adjusted for Adjusted for Q3 Q2 items affecting Jan-Sep Jan-Sep items affecting SEK m 2026 2026 Change comparability 2026 2025 Change comparability Total income 13,959 13,456 4% 3% 42,193 42,938 -2% -4% Total expenses -5,910 -5,963 -1% -3% -17,711 -18,172 -3% -1% Net credit losses -5 -30 -83% -70 278 Regulatory fees -691 -788 -12% -2,191 -2,116 4% Operating profit 7,353 6,678 10% 10% 22,226 22,933 -3% -8%

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2 Handelsbanken’s Interim Report January-September 2026 Table of Contents Group – Overview .......................................................................................................................................................... 3 Handelsbanken Group – Business segments .................................................................................................................. 9 Handelsbanken Sweden............................................................................................................................................... 10 Handelsbanken UK ...................................................................................................................................................... 12 Handelsbanken Norway ............................................................................................................................................... 14 Handelsbanken the Netherlands ................................................................................................................................... 16 Handelsbanken Markets ............................................................................................................................................... 18 Other units not reported in the business segments ....................................................................................................... 19 Key metrics – Group .................................................................................................................................................... 20 Condensed set of financial statements – Group ............................................................................................................ 21 Notes ........................................................................................................................................................................... 27 Note 1 Accounting Policies .......................................................................................................................................................... 27 Note 2 Net interest income .......................................................................................................................................................... 28 Note 3 Net fee and commission income ...................................................................................................................................... 29 Note 4 Net gains/losses on financial transactions ......................................................................................................................... 30 Note 5 Net insurance result ......................................................................................................................................................... 30 Note 6 Other expenses ............................................................................................................................................................... 30 Note 7 Net credit losses .............................................................................................................................................................. 31 Note 8 Regulatory fees ................................ ................................ ................................................................................................ 34 Note 9 Loans ................................ .............................................................................................................................................. 34 Note 10 Credit risk exposure ................................ ....................................................................................................................... 40 Note 11 Derivatives ................................ ................................ ..................................................................................................... 40 Note 12 Offsetting of financial instruments ................................ ................................ ................................................................... 41 Note 13 Intangible assets ................................ ............................................................................................................................ 42 Note 14 Due to credit institutions ................................ ................................ ................................................................................. 42 Note 15 Deposits and borrowing from the public ................................ .......................................................................................... 42 Note 16 Issued securities ................................ ............................................................................................................................ 42 Note 17 Pledged assets and contingent liabilities ......................................................................................................................... 43 Note 18 Classification of financial assets and liabilities ................................ ................................ ................................ .................. 43 Note 19 Fair value measurement of financial instruments .............................................................................................................. 45 Note 20 Assets and liabilities by material currency ........................................................................................................................ 47 Note 21 Own funds and capital requirements in the consolidated situation ................................ ................................ ................... 48 Note 22 Risk and liquidity ................................ ............................................................................................................................ 51 Note 23 Related-party transactions ................................ ............................................................................................................. 55 Note 24 Segment reporting .......................................................................................................................................................... 55 Note 25 Events after the end of the period ................................ ................................ ................................................................... 55 Condensed set of financial statements – Parent company ............................................................................................ 56 Information regarding the press conference .................................................................................................................. 63 Auditors’ review report ................................................................................................................................................. 64 Share price performance and other information ............................................................................................................ 65 For definitions and calculation of alternative performance measures, together with specifications of foreign exchange effects, non-recurring items and special items, please see the Fact Book which is available at handelsbanken.com/ir. The figures presented in the tables in this interim report have not been rounded off, which may result in the sum totals for certain sub-items not equalling the total presented.

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3 Handelsbanken’s Interim Report January-September 2026 Group – Overview * Other income includes the line items Net insurance result, Other dividend income, Share of profit of associates and joint ven tures, and Other income . As of Q1 2026, the operations in Finland are no longer considered to fulfil the criteria for recognition as a disposal group in accordance with IFRS 5 (Non -current Assets Held For Sale and Discontinued Operations). Assets and liabilities recognised in the balance sheet items Assets held for sale and Liabilities held for sale, respectively, as at 31 December 2025 have thus been reclassified to the respective balance sheet item. The comparative figures have not been adjusted. Profit from the operations in Finland has been transferred from discontinued operations to continuing operations as of Q1 2026. The comparative figures in the income statement for 2025 have been recalculated . Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 10,051 10,008 0% 10,578 -5% 30,075 32,902 -9% 43,041 3,330 3,135 6% 2,978 12% 9,538 8,755 9% 11,872 515 116 344% 573 -10% 1,178 1,010 17% 1,686 63 198 -68% 102 -38% 1,402 272 415% 701 13,959 13,456 4% 14,230 -2% 42,193 42,938 -2% 57,300 -3,818 -3,743 2% -3,746 2% -11,240 -11,493 -2% -15,146 -1,584 -1,756 -10% -1,594 -1% -5,017 -5,209 -4% -7,031 -508 -464 9% -515 -1% -1,454 -1,470 -1% -1,951 -5,910 -5,963 -1% -5,855 1% -17,711 -18,172 -3% -24,128 8,049 7,493 7% 8,375 -4% 24,482 24,766 -1% 33,173 -5 -30 -83% 19 -70 278 208 1 2 -50% 1 0% 5 5 0% 7 -691 -788 -12% -706 -2% -2,191 -2,116 4% -2,924 7,353 6,678 10% 7,690 -4% 22,226 22,933 -3% 30,463 -1,601 -1,449 10% -1,741 -8% -4,887 -5,174 -6% -6,734 5,753 5,228 10% 5,948 -3% 17,339 17,759 -2% 23,729 30 Sep 30 Jun 30 Sep 30 Sep 30 Sep 31 Dec SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 2,393,051 2,346,528 2% 2,288,016 5% 2,393,051 2,288,016 5% 2,263,765 1,263,180 1,248,070 1% 1,234,429 2% 1,263,180 1,234,429 2% 1,226,231 1,129,538 1,098,151 3% 1,053,570 7% 1,129,538 1,053,570 7% 1,024,112 1,479,245 1,463,636 1% 1,397,295 6% 1,479,245 1,397,295 6% 1,293,784 660,842 657,904 0% 635,424 4% 660,842 635,424 4% 632,200 818,403 805,732 2% 761,871 7% 818,403 761,871 7% 661,584 194,221 184,395 5% 194,690 0% 194,221 194,690 0% 199,355 3,740,642 3,872,440 -3% 3,802,267 -2% 3,740,642 3,802,267 -2% 3,387,566 Q3 Q2 Q3 Jan-Sep Jan-Sep 31 Dec 2026 2026 2025 2026 2025 2025 13.5% 12.8% 13.3% 13.3% 13.0% 13.0% 42.3% 44.3% 41.1% 42.0% 42.3% 42.1% 2.87 2.60 3.00 8.68 8.97 11.98 17.0% 17.2% 18.2% 17.0% 18.2% 17.6% 22.1% 22.3% 22.6% 22.1% 22.6% 22.0% Common equity tier 1 ratio, CRR Total capital ratio, CRR Summary of key figures Return on equity C/I ratio Earnings per share (before and after dilution), SEK of which corporates Total equity Total assets Summary balance sheet Loans to the public of which households of which corporates Deposits and borrowing from the public Taxes Profit for the period Profit before credit losses and regulatory fees Net credit losses Gains/losses on disposal of tangible and intangible assets Regulatory fees Operating profit of which households Total income Staff costs Other expenses Depreciation, amortisation and impairment of tangible and intangible assets Total expenses Summary income statement Net interest income Net fee and commission income Net gains/losses on financial transactions Other income*

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4 Handelsbanken’s Interim Report January-September 2026 Q3 2026 compared with Q2 2026 Operating profit climbed by 10% to SEK 7,353m (6,678). Income grew by 4% to SEK 13,959m (13,456). Adjusted for foreign exchange effects, income increased by 3%. Expenses decreased by 1% to SEK -5,910m (-5,963). Adjusted for items affecting comparability, expenses decreased by 3%. The C/I ratio improved to 42.3% (44.3). Credit losses decreased to SEK -5m (-30), and the credit loss ratio was 0.00% (0.00). Profit for the period increased to SEK 5,753m (5,228). Earnings per share amounted to SEK 2.87 (2.60). Return on equity improved to 13.5% (12.8). After deductions for anticipated dividends, the common equity tier 1 ratio was 17.0% (17.2). Income Net interest income increased by SEK 43m to SEK 10,051m (10,008). Adjusted for foreign exchange effects of SEK 112m and a day effect of SEK 31m, due to a higher number of days than in the comparison quarter, net interest income fell by SEK 100m, or 1%. Changed business volumes made a contribution of SEK 87m. The net amount of margins and funding costs had an impact of SEK - 194m. The decrease was due to higher funding costs in the quarter resulting from higher market rates. Other effects had a SEK 7m impact on net interest income. Net fee and commission income climbed by 6% to SEK 3,330m (3,135). Fund management, custody and other asset management commissions increased by 10% to SEK 2,130m (1,945). Insurance commissions increased by 5% to SEK 232m (221). Net payment commissions rose by 8%, or SEK 44m, to SEK 628m (584). Net card commissions rose by 18%, or SEK 46m, to SEK 309m (263). Brokerage income declined by 18% to SEK 127m (155). Income from advisory services fell by 27% to SEK 37m (51). Lending and deposit commissions were SEK 213m (213). Other items in net fee and commission income primarily comprised fee and commission expenses and amounted to SEK -36m (35). Net gains/losses on financial transactions improved to SEK 515m (116). The customer-driven business in Handelsbanken Markets and the home markets increased to SEK 486m (473). Net gains/losses on financial transactions linked to the Bank’s funding and liquidity management, mainly attributable to changes in the market values of derivatives not included in the formal hedge accounting, improved to SEK 35m (-349). The value of these derivative contracts declines to zero over time. Other effects amounted to SEK -6m (-8). Other income amounted to SEK 63m (198). Expenses Staff costs climbed by 2% to SEK - 3,818m (-3,743). The preliminary provision to the Oktogonen profit -sharing scheme was SEK -94m (-48). Adjusted for Oktogonen and foreign exchange effects of SEK -43m, staff costs declined by 13%. The average number of employees increased to 11,841 (11,667), mainly relating to temporary staff for the summer holiday period. Other expenses fell to SEK -1,584m (-1,756), mainly due to seasonally lower activity. Depreciation, amortisation and impairment amounted to SEK -508m (-464). Credit losses Credit losses decreased to SEK -5m (-30). The credit loss ratio was 0.00% (0.00) . Regulatory fees Regulatory fees decreased to SEK -691m (-788). A cost of SEK -123m for interest -free deposits at the Riksbank referring to the 12 -month period until the end of the first half of 2027 was recognised in the last quarter. The risk tax amounted to SEK - 407m (-407), and the resolution fee amounted to SEK -268m (-245). The Bank of England Levy was SEK -17m (-14). Taxes The effective tax rate was 21.8% (21.7). The difference between this rate and the corporate tax rate in Sweden of 20.6% derives primarily from the higher tax rate in the UK operations, as well as from the fact that interest expenses on subordinated liabilities are not deductible . Non-recurring items and special items in operating profit Q3 Q2 SEK m 2026 2026 Change Net interest income 10,051 10,008 0% Net fee and commission income 3,330 3,135 6% Net gains/losses on financial trans. 515 116 344% Other income 63 198 -68% Total income 13,959 13,456 4% Q3 Q2 SEK m 2026 2026 Change Staff costs -3,818 -3,743 2% Other expenses -1,584 -1,756 -10% Depreciation, amortisation and impairment of property -508 -464 9% Total expenses -5,910 -5,963 -1% Q3 Q2 SEK m 2026 2026 Change Net credit losses -5 -30 25 Credit loss ratio, % 0.00 0.00 Q3 Q2 SEK m 2026 2026 -94 -48 Total -94 -48 Oktogonen: provision current year (staff costs) Special items

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5 Handelsbanken’s Interim Report January-September 2026 Foreign exchange effects January – September 2026 compared with January – September 2025 Operating profit decreased by 3% to SEK 22,226m (22,933). Adjusted for items affecting comparability, the decrease was 8%. Income decreased by 2% to SEK 42,193m (42,938). Expenses decreased by 3% to SEK -1 7,7 1 1m (-18,172). The C/I ratio improved to 42.0% (42.3). The credit loss ratio was 0.00% (-0.01). Profit for the period amounted to SEK 17 ,339m (17 ,759). Earnings per share amounted to SEK 8.68 (8.97). Return on equity improved to 13.3% (13.0). After deductions for anticipated dividends, the common equity tier 1 ratio was 17.0% (18.2). Income Net interest income decreased by 9%, or SEK -2,827m, to SEK 30,075m (32,902). Adjusted for foreign exchange effects of SEK -178m, the decrease was 8%. Higher business volumes had an impact of SEK 468m. The net amount of margins and funding costs had an impact of SEK -2,719m, mainly deriving from lower market rates. The fee for the deposit guarantee scheme increased by SEK 45m to SEK -232m (-187). Other effects amounted to SEK -353m, of which SEK -265m refers to Finland and, primarily, lower business volumes. Net fee and commission income increased by 9% to SEK 9,538m (8,755). The classification of certain fee and commission income was adjusted at the beginning of the year. For the comparison period, the income was recognised as Other commission income, and from 2026 is recognised in Asset management commissions and Payment commissions, respectively. Fund management, custody and other asset management commissions increased by 12% to SEK 5,947m (5,300). Insurance commissions increased by 10% to SEK 661m (601). Brokerage income increased by 20% to SEK 448m (372). Net payment commissions increased to SEK 1,745m (1,337). Net card commissions amounted to SEK 794m (755). Lending and deposit commissions fell by 5% to SEK 629m (664). Advisory commissions increased to SEK 198m (113). Other items in net fee and commission income primarily comprised fee and commission expenses and amounted to SEK -90m (368), with the change compared with the preceding year due to the aforementioned transfers to other fee and commission income categories. Net gains/losses on financial transactions grew to SEK 1,178m (1,010). The customer-driven business in Handelsbanken Markets and the home markets increased to SEK 1,451m (1,349). Net gains/losses on financial transactions linked to the Bank’s funding and liquidity management totalled SEK -286m (-235). Other effects amounted to SEK 13m (-105), with the comparison period charged with a capital loss of SEK -121m from the divestment of credit portfolios in Finland. Other income amounted to SEK 1,402m (272). VAT of SEK 1,127m attributable to the period 2020-2025 was reversed during the first quarter due to the Bank’s review request to the Swedish Tax Agency. Foreign exchange effects vs. previous quarter, SEKm Q3 2026 Net interest income 112 Net fee and commission income 13 Net gains/losses on financial transactions 3 Other income 0 Total income 128 Staff costs -43 Other expenses -20 Depreciation and amortisation -4 Total expenses -67 Net loan losses 0 Gains/losses on disposal of tangible and intangible assets 0 Regluatory fees -1 Operating profit 61 Jan-Sep Jan-Sep SEK m 2026 2025 Change Net interest income 30,075 32,902 -9% Net fee and commission income 9,538 8,755 9% Net gains/losses on financial trans. 1,178 1,010 17% Other income 1,402 272 Total income 42,193 42,938 -2%

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6 Handelsbanken’s Interim Report January-September 2026 Expenses Staff costs fell by 2%, or SEK -253m, to SEK -11,240m (-11,493). The Oktogonen profit-sharing scheme had an effect of SEK -144m (-194) on staff costs, of which SEK -171m (-181) was a preliminary provision for the current year and SEK 27m (-13) was related to the finalisation of the previous preliminary provision for the preceding financial year. Restructuring charges amounted to SEK -81m during the comparison period. Foreign exchange effects totalled SEK 81m. Adjusted for these items affecting comparability, staff costs decreased marginally. The average number of employees fell by 2% during the period to 11,726 (11,937). Other expenses fell by 4% to SEK -5,017m (-5,209), due to, for example, a reduction in the utilisation of external resources. Depreciation, amortisation and impairment of tangible and intangible assets amounted to SEK -1,454m (-1,470). Credit losses Credit losses totalled SEK -70m (278). The credit loss ratio was 0.00% ( -0.01). Regulatory fees Regulatory fees amounted to SEK - 2,191m (-2,116), of which the risk tax amounted to SEK -1,221m (-1,200) and the resolution fee to SEK -804m (-874). A cost of SEK -123m for interest-free deposits at the Riksbank referring to the next 12-month period was recognised during the second quarter of 2026. The Bank of England Levy was SEK - 44m (-42). Taxes The effective tax rate was 22.0% (22.6). The difference between this rate and the corporate tax rate in Sweden of 20.6% derives primarily from the higher tax rate in the UK operations, as well as from the fact that interest expenses on subordinated liabilities are not deductible . Non-recurring items and special items in operating profit Foreign exchange effects Jan-Sep Jan-Sep SEK m 2026 2025 Change Staff costs -11,240 -11,493 -2% Other expenses -5,017 -5,209 -4% Depreciation, amortisation and impairment of property -1,454 -1,470 -1% Total expenses -17,711 -18,172 -3% Jan-Sep Jan-Sep SEK m 2026 2025 Change Net credit losses -70 278 -348 Credit loss ratio, % 0.00 -0.01 Jan-Sep Jan-Sep SEK m 2026 2025 27 -13 -171 -181 1,127 -81 Total 983 -275 Non-recurring items Restructuring charge (staff costs) Oktogonen: provision current year (staff costs) Oktogonen: adjustment of allocation previous year (staff costs) Special items VAT to be recovered (other income) Foreign exchange effects vs. previous year, SEKm Jan-Sep 2026 Net interest income -178 Net fee and commission income -13 Net gains/losses on financial transactions -1 Other income 1 Total income -191 Staff costs 81 Other expenses 23 Depreciation and amortisation 11 Total expenses 115 Net loan losses -1 Gains/losses on disposal of tangible and intangible assets 0 Regluatory fees 3 Operating profit -74

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7 Handelsbanken’s Interim Report January-September 2026 Business development Q3 2026 compared with Q2 2026 Loans to the public grew by 2% and amounted to SEK 2,393bn (2,347) at the end of the quarter . In local currencies terms loans to the public in the home markets grew by 0.5%. The average volume of loans to the public in the home markets increased by SEK 27bn, or 1%, to SEK 2,286bn (2,259). The average volume of deposits and borrowing from the public in the home markets grew by SEK 28bn, or 2%, to SEK 1,320bn (1,292). Total assets under management in the Group grew by 4% and amounted to SEK 1,508bn (1,457) at the end of the quarter, of which SEK 1,422bn (1,373) was invested in the Bank’s mutual funds. The net flow to the Bank’s mutual funds in the home markets amounted to SEK 10.7bn (14.4). In Sweden, the net flow in the Bank’s mutual funds amounted to SEK 8.8bn (12.8). January – September 2026 compared with January – September 2025 The average volume of loans to the public in the home markets rose to SEK 2,258bn (2,242). The average volume of deposits and borrowing from the public in the home markets grew by 2% and totalled SEK 1,290bn (1,264). Total assets under management in the Group increased by 23% over the past 12 months and at the end of the period amounted to SEK 1,508bn (1,227), of which SEK 1,422bn (1,154) was invested in the Bank’s mutual funds. The net flow in the Bank’s mutual funds in the home markets was SEK 44.1bn (49.3), of which SEK 39.7bn (50.5) was in the Swedish market. Rating During the second quarter, Moody’s upgraded its Baseline Credit Assessment (BCA) for Handelsbanken to the highest level of A1 – a level shared with only a handful of other banks worldwide. No other privately owned bank in the world has a higher overall cor porate credit rating from the leading rating agencies. The high corporate rating was reflected in the high rating for the Bank’s debt instruments. The Bank’s credit ratings for long -term senior debt from the leading rating agencies were unchanged during th e quarter. For all of the Bank’s ratings, the outlook is considered stable . Funding and liquidity For decades, the Bank has adopted a prudent approach to funding, with a low risk profile. The funding strategy is based on a diversified, balanced utilisation of several stable funding sources, comprising deposits from households and SMEs, deposits from non-financial companies and diversified market funding across different types of debt instruments in various currencies. Long-term assets are funded with stable long-term liabilities in the form of stable market funding and long-term stable deposits and borrowing from the public. Short-term liabilities, in the form of other deposits and borrowing from the public and short-term market funding, are matched by short- term assets and a liquidity reserve amounting to SEK 849bn at the end of the quarter (675 at year-end 2025). Of this reserve, 90% is deposited with central banks and holdings of government bonds. The remainder is invested for the most part in holdings of liquid covered bonds. Interest rate risk and foreign exchange risk in the bond holdings are hedged using derivative instruments, and the entirety of the holdings is measured at market value on an ongoing basis. The Bank’s low encumbrance ratio of its assets creates an unutilised issue amount of covered bonds, which serves in practice as an additional buffer from a liquidity perspective. The low encumbrance ratio also serves as a layer of protection for holders of the Bank’s senior bonds. The ratio of non- encumbered assets to unsecured market funding amounted to 259% at the end of the quarter (266% at year-end 2025). At the end of the period, the Group’s liquidity coverage ratio (LCR), calculated according to CRR3, was 172% (205% at year-end 2025). The net stable funding ratio (NSFR) according to CRR3 was 119% on the same date (119% at year- end 2025). Bond issues during the first nine months of the year totalled SEK 146bn (130 during the corresponding period of the previous year), of which SEK 90bn (88) was in covered bonds, SEK 39bn (34) was in senior bonds and SEK 11bn (8) was in senior non-preferred debt, with the latter issued under the Bank’s Green Bond Framework. A perpetual subordinated loan in Swedish kronor amounting to SEK 6bn (-) was issued during the period. Bonds reaching maturity amounted to SEK 124bn (100) during the period. Capital The Bank’s assessment was that the common equity tier 1 capital requirement, including Pillar 2 guidance, amounted to 14.5%, or SEK 120bn, at the end of the quarter. This assessment was based on the Swedish Financial Supervisory Authority ’s decision in connection with the Supervisory Review and Evaluation Process (SREP). This decision entailed that the Pillar 2 requirement was lowered to 1.2 percentage points (1.5). The reduction was attributable to a -0.07 percentage point lower requirement for interest rate risk in the banking book and a -0.07 percentage point lower requirement for credit concentration risk, with a further -0.14 percentage point of the reduction attributable to the approval of the PD model for corporate exposures. The Pillar 2 guidance amounted to 0.5 percentage points. The countercyclical buffer requirement was 2.0%. After anticipated dividends, the common equity tier 1 ratio was 17.0% at the end of the period, thus exceeding the common equity tier 1 capital requirement by 2.5 percentage points. The Bank’s capital goal is that its common equity tier 1 ratio should, under normal circumstances, exceed the common equity tier 1 capital requirement, including Pillar 2 guidance, by 1-3 percentage points. The Bank’s common equity tier 1 ratio was thus within the target range. Dividends of SEK 15.9bn were anticipated for the first nine months of the year, corresponding to SEK 8.02 per share and 92% of profit for the period. A perpetual subordinated Tier 1 capital instrument (AT1) in SEK amounting to SEK 6bn was issued during the period. The Tier 1 ratio was 18.9%. The Bank’s estimation is that the total capital requirement, including Pillar 2 guidance of 0.5 percentage points, amounted to 18.3%. The total capital requirement, including Pillar 2 Counterparty Long-term Short-term risk rating Standard & Poor's AA- A-1+ AA- Fitch AA+ F1+ AA+ Moody's Aa2 P-1- Aa1

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8 Handelsbanken’s Interim Report January-September 2026 requirement, amounted to 1.6 percentage points, corresponding to SEK 14bn. At the end of the period, the total capital ratio was 22.1%. During the second quarter, the Bank received approval from the Swedish Financial Supervisory Authority for its new PD model for corporate exposures, which was implemented in the third quarter. The introduction of the new model increased the risk exposure amount for exposures to corporates by approximately SEK 9bn, and at the same time the related additional Pillar 2 capital requirement of 0.14% was removed. Approval for a new PD model for household exposures was received after the end of the period. This model is intended to be implemented in the fourth quarter of 2026 and is expected to increase the risk-weighted exposure amount by approximately SEK 1bn. The related additional Pillar 2 capital requirement of 0.38% will be removed when the new model is introduced. The implementation of the new PD model for household exposures is expected to reduce the capital requirement by approximately SEK 3bn, net, in the fourth quarter. Capital for consolidated situation 30 September 2026 compared with 30 June 2026 Profit for the period increased the common equity tier 1 ratio by 0.7 percentage points. Anticipated dividends had an impact of -0.8 percentage points. Higher lending volumes had an impact of -0.1 percentage points. The net impact of portfolio allocation, credit risk migrations, risk weight floors and model updates was neutral. The increase in the risk exposure amount for the new PD model for corporates was largely offset by lower risk exposure amounts for resuming use of the standardised approach for exposures to sovereigns, central banks and municipalities. Net foreign exchange effects had a neutral effect. Other effects were neutral. Capital for consolidated situation 30 September 2026 compared with 30 September 2025 Profit for the period increased the common equity tier 1 ratio by 2.7 percentage points. Anticipated dividends had an impact of - 3.7 percentage points. Higher lending volumes had an impact of -0.3 percentage points. The net impact of portfolio allocation, meaning the change in the mix of the customer portfolio, credit risk migrations, risk weight floors and model updates was - 0.1 percentage points. The updates of the risk exposure amount for operational risks had a 0.1 percentage point impact. Foreign excha nge effects had a net impact of 0.1 percentage points. Other effects, including rounding off, were netural. Economic capital and available financial resources The Bank’s internal assessment of its need for capital is based on the Bank’s capital requirement, stress tests, and the Bank’s model for economic capital (EC). This is measured in relation to the Bank’s available financial resources (AFR). The Board stipu lates that the AFR/EC ratio for the Group must exceed 120%. At the end of the quarter, Group EC totalled SEK 60bn (58 for the corresponding period during the previous year), while AFR was SEK 241bn (223). Thus, the ratio between AFR and EC was 398% (384). For the consolidated situation, EC totalled SEK 33bn (30), and AFR was SEK 228bn (213 ). A sustainable bank in the community Sustainability is an integral part of Handelsbanken’s core business operations, involving products and advisory services founded on the pillars of a long-term approach and a decentralised way of working. The Bank focuses on long- lasting customer relationships and supporting customers’ transitions through savings and financing solutions that deliver value over time. Lending volumes linked to the Bank’s sustainability activities continued to grow. Compared with the corresponding period of the previous year, the volume of green loans increased by 47% to SEK 206bn (140); as part of this total, green mortgages grew by 10% to SEK 54bn (49). In addition, sustainability-linked loan facilities increased to SEK 152bn (148), of which SEK 77bn (71) comprises utilised volumes. The EU’s Sustainable Finance Disclosures Regulation (SFDR) means that asset managers must be transparent in how their mutual funds are classified under the SFDR. At the end of the period, 99.7% of the assets under management in the Group’s funds were reported in the two highest categories (articles 8 and 9). Events after the end of the period After the end of the period, the Swedish Financial Supervisory Authority, as mentioned in the section Capital above, approved the Bank’s new PD model for household exposures and decided to remove the related additional capital requirement. The new model is intended to be introduced in the fourth quarter. SEK m 2026 2026 Change Common equity tier 1 ratio 17.0% 17.2% -0.2 Total capital ratio 22.1% 22.3% -0.2 Total risk-weighted exposure amount 829,576 812,327 2% Common equity tier 1 (CET1) capital 140,696 140,045 0% Total capital 183,080 181,481 1% Total equity 194,221 184,395 5% SEK m 2026 2025 Change Common equity tier 1 ratio 17.0% 18.2% -1.2 Total capital ratio 22.1% 22.6% -0.5 Total risk-weighted exposure amount 829,576 801,540 3% Common equity tier 1 (CET1) capital 140,696 146,041 -4% Total capital 183,080 181,003 1% Total equity 194,221 194,690 0%

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9 Handelsbanken’s Interim Report January-September 2026 Handelsbanken Group – Business segments The business segments consist of Handelsbanken Sweden, Handelsbanken UK, Handelsbanken Norway, Handelsbanken the Netherlands and Handelsbanken Markets. The income statements by segment include internal items such as internal interest, commissions and payment for internal services rendered, primarily according to the cost price principle. The part of Handelsbanken Markets’ operating profit that does not involve risk-taking is allocated to branches with customer responsibility. Internal income which is included in total income comprises income from transactions with other operating segments and Other. Since interest income and interest expense are reported net as income, this means that internal income includes the net amount of the internal funding cost among segments and Other. As of Q1 2026, the business operations in Finland are no longer reported separately as Profit from discontinued operations and are instead included in Other. The comparative figures for 2025 have been recalculated accordingly. January - September 2026 SEK m Sweden UK Norway The Nether- lands Markets Other Adj. & elim. Total Net interest income 17,654 6,426 3,531 1,373 5 1,085 30,075 Net fee and commission income 7,514 640 640 160 533 51 9,538 Net gains/losses on financial transactions 544 146 69 21 826 -430 1,178 Net insurance result 237 237 Share of profit of associates and joint ventures -34 -34 Other income 30 -4 15 1 2 1,156 1,199 Total income 25,980 7,208 4,255 1,555 1,366 1,828 42,193 Staff costs -3,910 -2,820 -1,004 -489 -737 -2,643 362 -11,240 Other expenses -848 -717 -471 -148 -361 -2,472 -5,017 Internal purchased and sold services -3,442 -650 -340 -148 31 4,549 Depreciation, amortisation and impairment of tangible and intangible assets -567 -242 -138 -47 -108 -335 -17 -1,454 Total expenses -8,767 -4,428 -1,953 -832 -1,174 -901 345 -17,711 Profit before credit losses and regulatory fees 17,213 2,780 2,302 723 192 927 345 24,482 Net credit losses -69 -10 -5 1 0 12 -70 Gains/losses on disposal of tangible and intangible assets 3 0 3 0 5 Regulatory fees -1,531 -44 -294 -111 -17 -195 -2,191 Operating profit 15,617 2,726 2,006 613 175 745 345 22,226 Profit allocation 306 39 43 0 -327 -61 Operating profit after profit allocation 15,923 2,765 2,049 612 -152 683 345 22,226 Internal income 318 1,077 -6,197 -945 -1,376 7,123 January - September 2025 SEK m Sweden UK Norway The Nether- lands Markets Other Adj. & elim. Total Net interest income 19,466 7,182 3,775 1,373 8 1,099 32,902 Net fee and commission income 6,978 630 524 132 427 65 8,755 Net gains/losses on financial transactions 479 156 64 14 808 -511 1,010 Net insurance result 204 204 Share of profit of associates and joint ventures -89 -89 Other income 62 -5 9 1 4 85 157 Total income 27,188 7,963 4,372 1,520 1,246 649 42,938 Staff costs -3,838 -2,596 -963 -465 -697 -3,163 229 -11,493 Other expenses -845 -542 -176 -86 -376 -3,183 -5,209 Internal purchased and sold services -3,353 -1,094 -666 -239 45 5,307 Depreciation, amortisation and impairment of tangible and intangible assets -573 -361 -79 -48 -117 -275 -18 -1,470 Total expenses -8,609 -4,593 -1,884 -838 -1,145 -1,314 212 -18,172 Profit before credit losses and regulatory fees 18,580 3,370 2,488 682 101 -665 212 24,766 Net credit losses 135 81 47 -4 0 19 278 Gains/losses on disposal of tangible and intangible assets 5 -1 2 -1 5 Regulatory fees -1,525 -42 -309 -104 -17 -118 -2,116 Operating profit 17,194 3,407 2,227 574 83 -765 212 22,933 Profit allocation 266 33 39 0 -302 -36 Operating profit after profit allocation 17,460 3,440 2,266 574 -219 -801 212 22,933 Internal income 1,403 2,357 -6,830 -468 -688 4,226 Home markets Home markets

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10 Handelsbanken’s Interim Report January-September 2026 Handelsbanken Sweden Income Statement Business volumes Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Net interest income 5,865 5,890 0% 6,250 -6% 17,654 19,466 -9% 25,415 Net fee and commission income 2,666 2,460 8% 2,395 11% 7,514 6,978 8% 9,463 Net gains/losses on financial transactions 188 136 38% 199 -6% 544 479 14% 852 Net insurance result 35 196 -82% 71 -51% 237 204 16% 289 Other income 14 6 133% 46 -70% 30 62 -52% 90 Total income 8,770 8,687 1% 8,960 -2% 25,980 27,188 -4% 36,109 Staff costs -1,297 -1,313 -1% -1,286 1% -3,910 -3,838 2% -5,133 Other expenses -248 -298 -17% -257 -4% -848 -845 0% -1,158 Internal purchased and sold services -1,077 -1,190 -9% -1,045 3% -3,442 -3,353 3% -4,520 Depreciation, amortisation and impairment of tangible and intangible assets -189 -189 0% -184 3% -567 -573 -1% -753 Total expenses -2,811 -2,990 -6% -2,773 1% -8,767 -8,609 2% -11,563 Profit before credit losses and regulatory fees 5,959 5,697 5% 6,188 -4% 17,213 18,580 -7% 24,546 Net credit losses -11 -29 -62% 14 -69 135 133 Gains/losses on disposal of tangible and intangible assets 1 1 0% 1 0% 3 5 -40% 7 Regulatory fees -510 -493 3% -508 0% -1,531 -1,525 0% -2,030 Operating profit 5,439 5,177 5% 5,694 -4% 15,617 17,194 -9% 22,655 Profit allocation 92 106 -13% 85 8% 306 266 15% 359 Operating profit after profit allocation 5,531 5,283 5% 5,779 -4% 15,923 17,460 -9% 23,014 Internal income 218 73 199% 301 -28% 318 1,403 -77% 1,451 Cost/income ratio, % 31.7 34.0 30.7 33.4 31.4 31.7 Credit loss ratio, % 0.00 0.01 0.00 0.01 -0.01 -0.01 Allocated capital 106,564 102,869 4% 117,146 -9% 106,564 117,146 -9% 120,494 Return on allocated capital, % 16.5 16.3 15.7 15.1 15.5 15.3 Average number of employees 4,701 4,563 3% 4,698 0% 4,607 4,617 0% 4,602 Q3 Q2 Q3 Jan-Sep Jan-Sep Jan-Dec Average volumes, SEK bn 2026 2026 Change 2025 Change 2026 2025 Change 2025 Loans to the public* Household 984 980 0% 972 1% 980 969 1% 971 of which mortgage loans 962 958 0% 948 1% 958 944 1% 946 Corporates 614 614 0% 620 -1% 615 621 -1% 621 of which mortgage loans 471 472 0% 466 1% 471 465 1% 466 Total 1,598 1,594 0% 1,592 0% 1,595 1,590 0% 1,591 Deposits and borrowing from the public Household 514 510 1% 499 3% 507 489 4% 492 Corporates 368 356 3% 339 9% 359 348 3% 347 Total 882 866 2% 838 5% 866 837 3% 839 * Excluding loans to the National Debt Office.

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11 Handelsbanken’s Interim Report January-September 2026 Q3 2026 compared with Q2 2026 Operating profit increased by 5% to SEK 5,439m (5,177). The return on allocated capital rose to 16.5% (16.3). The C/I ratio improved to 31.7% (34.0). Income grew by 1% to SEK 8,770m (8,687). Expenses decreased by 6% to SEK -2,811m (-2,990). Net interest income decreased marginally by SEK -25m to SEK 5,865m (5,890). The day effect had an impact of SEK 50m. The net amount of changed margins and funding costs had an impact of SEK -140m. Changed business volumes had an impact of SEK 63m. Other effects had a SEK 2m impact. Net fee and commission income increased by 8% to SEK 2,666m (2,460), which was mainly due to higher mutual fund commissions and higher income from custody and other asset management commissions. Net gains/losses on financial transactions improved to SEK 188m (136). Net insurance result was SEK 35m (196). Other income increased to SEK 14m (6). Staff costs fell by 1% to SEK -1,297m (-1,313). The average number of employees rose by 3% to 4,701 (4,563), mainly due to the hiring of temporary staff during the summer period. Other expense items fell by 10% to SEK -1,514m (-1,677), mainly due to lower activity during the summer period. Credit losses improved to SEK -11m (-29), and the credit loss ratio improved 0.00% (0.01). Regulatory fees increased to SEK -510m (-493), of which the risk tax amounted to SEK -316m (-316) and the resolution fee to SEK -195m (-177). January – September 2026 compared with January – September 2025 Operating profit decreased by 9% to SEK 15,617m (17,194). The return on allocated capital was 15.1% (15.5). The C/I ratio was 33.4% (31.4). Income decreased by 4% to SEK 25,980m (27,188). Expenses rose by 2% to SEK -8,767m (-8,609). Net interest income decreased by 9% to SEK 17,654m (19,466). The net amount of changed margins and funding costs had an impact of SEK -1,989m on net interest income. Higher business volumes had an impact of SEK 274m. The changed fee for the deposit guarantee scheme had an impact of SEK -43m. Other effects in net interest income contributed SEK -54m. Net fee and commission income increased by 8% to SEK 7,514m (6,978). The increase was due to growth in fund management, custody and other asset management commissions, brokerage income as well as increased net payment commissions. Net gains/losses on financial transactions totalled SEK 544m (479). Net insurance result increased to SEK 237m (204). Other income amounted to SEK 30m (62). Staff costs rose by 2% to SEK -3,910m (-3,838). The average number of employees decreased marginally to 4,607 (4,617). Other expense items rose by 2% to SEK -4,857m (-4,771). Credit losses were SEK -69m (135), and the credit loss ratio was 0.01% (-0.01). Regulatory fees amounted to SEK -1,531m (-1,525), of which the risk tax amounted to SEK -948m (-906) and the resolution fee to SEK -584m (-619). Business development Handelsbanken held on to its position as the best bank for business in this year's independent Finansbarometern survey, which named Handelsbanken “Business Bank of the Year” for the fifth consecutive year and “Sweden’s Small Enterprise Bank” for the fourteenth consecutive year. The major survey of customer satisfaction in the banking sector carried out by the Swedish Quality Index (SKI) showed that Handelsbanken continues to have more satisfied customers than the sector average and the highest customer satisfaction among the large banks. Private customers gave Handelsbanken an index score of 68.2, as compared with the sector average of 66.0. Corporate customers gave Handelsbanken an index score of 65.8, as compared with the sector average of 64.2. The SKI also surveyed customer opinions of the banks’ digital meeting places. Both private and corporate customers gave Handelsbanken’s apps (smartphone, tablet) and online banking a higher index score than the sector average. Q3 2026 compared with Q2 2026 The total average volume of lending rose slightly to SEK 1,598bn (1,594). Household lending increased to SEK 984bn (980) and corporate lending was unchanged at SEK 614bn (614). The total average volume of deposits increased by 2% to SEK 882bn (866). Household deposits increased by 1% to SEK 514bn (510), while corporate deposits increased by 3% to SEK 368bn (356). Total assets under management in Sweden increased to SEK 1,321bn (1,279) at the end of the quarter, of which the managed fund volume increased to SEK 1,265bn (1,225). The net flow to the Bank’s mutual funds in Sweden amounted to SEK 8.8bn (12.8). January – September 2026 compared with January – September 2025 The total average volume of lending rose marginally to SEK 1,595bn (1,590). Household lending increased by 1% to SEK 980bn (969) and corporate lending decreased by 1% to SEK 615bn (621). The total average volume of deposits increased by 3% to SEK 866bn (837). Household deposits increased by 4% to SEK 507bn (489), while corporate deposits increased by 3% to SEK 359bn (348). Total assets under management in Sweden increased to SEK 1,321bn (1,077) at the end of the period, of which the managed fund volume increased to SEK 1,265bn (1,026). The net flow in the Bank’s mutual funds in Sweden during the period totalled SEK 39.7bn (50.5).

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12 Handelsbanken’s Interim Report January-September 2026 Handelsbanken UK Income Statement Income Statement in local currency Business volumes Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Net interest income 2,201 2,142 3% 2,295 -4% 6,426 7,182 -11% 9,401 Net fee and commission income 230 215 7% 211 9% 640 630 2% 838 Net gains/losses on financial transactions 51 49 4% 48 6% 146 156 -6% 207 Other income -4 0 -5 -20% -4 -5 -20% 8 Total income 2,478 2,405 3% 2,550 -3% 7,208 7,963 -9% 10,454 Staff costs -962 -933 3% -819 17% -2,820 -2,596 9% -3,738 Other expenses -253 -247 2% -177 43% -717 -542 32% -992 Internal purchased and sold services -204 -221 -8% -380 -46% -650 -1,094 -41% -831 Depreciation, amortisation and impairment of tangible and intangible assets -71 -78 -9% -127 -44% -242 -361 -33% -470 Total expenses -1,489 -1,480 1% -1,504 -1% -4,428 -4,593 -4% -6,032 Profit before credit losses and regulatory fees 989 926 7% 1,046 -5% 2,780 3,370 -18% 4,423 Net credit losses -1 12 15 -10 81 92 Gains/losses on disposal of tangible and intangible assets 0 0 0% 0 0% 0 -1 -1 Regulatory fees -17 -14 21% -15 13% -44 -42 5% -56 Operating profit 971 924 5% 1,045 -7% 2,726 3,407 -20% 4,457 Profit allocation 14 12 17% 11 27% 39 33 18% 43 Operating profit after profit allocation 985 937 5% 1,057 -7% 2,765 3,440 -20% 4,501 Internal income 288 359 -20% 651 -56% 1,077 2,357 -54% 2,928 Cost/income ratio, % 59.8 61.2 58.7 61.1 57.4 57.5 Credit loss ratio, % 0.00 -0.02 -0.02 0.01 -0.04 -0.03 Allocated capital 26,822 25,464 5% 26,188 2% 26,822 26,188 2% 26,510 Return on allocated capital, % 11.7 11.7 12.8 11.0 13.1 13.0 Average number of employees 3,004 2,962 1% 2,678 12% 2,970 2,733 9% 2,784 Q3 Q2 Q3 Jan-Sep Jan-Sep Full year GBP m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Net interest income 169.3 170.5 -1% 179.2 -6% 509.0 550.1 -7% 727.6 Net fee and commission income 17.7 17.2 3% 16.5 7% 50.7 48.3 5% 64.9 Net gains/losses on financial transactions 4.0 3.8 5% 3.7 8% 11.6 11.9 -3% 16.0 Other income -0.3 0.0 -0.4 -25% -0.3 -0.4 -25% 0.6 Total income 190.7 191.5 0% 199.1 -4% 571.0 610.0 -6% 809.2 Staff costs -74.0 -74.3 0% -63.9 16% -223.4 -198.8 12% -289.3 Other expenses -19.5 -19.7 -1% -13.8 41% -56.8 -41.5 37% -76.8 Internal purchased and sold services -15.6 -17.6 -11% -29.6 -47% -51.5 -83.8 -39% -64.3 Depreciation, amortisation and impairment of tangible and intangible assets -5.4 -6.2 -13% -9.8 -45% -19.1 -27.6 -31% -36.4 Total expenses -114.4 -117.8 -3% -117.3 -2% -350.7 -351.8 0% -466.9 Profit before credit losses and regulatory fees 76.2 73.7 3% 81.7 -7% 220.2 258.1 -15% 342.3 Net credit losses -0.1 1.0 1.2 -0.8 6.2 7.1 Gains/losses on disposal of tangible and intangible assets 0.0 0.0 0% 0.0 0% 0.0 -0.1 -0.1 Regulatory fees -1.3 -1.1 18% -1.1 18% -3.5 -3.2 9% -4.3 Operating profit 74.9 73.6 2% 81.7 -8% 216.0 261.0 -17% 345.0 Profit allocation 1.1 1.0 10% 0.8 38% 3.1 2.5 24% 3.3 Operating profit after profit allocation 75.9 74.6 2% 82.6 -8% 219.0 263.5 -17% 348.3 Q3 Q2 Q3 Jan-Sep Jan-Sep Jan-Dec Average volumes, GBP m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Loans to the public Household 5,291 5,202 2% 5,027 5% 5,205 5,004 4% 5,017 Corporates 14,306 13,975 2% 13,126 9% 13,981 12,986 8% 13,089 Total 19,597 19,177 2% 18,152 8% 19,186 17,991 7% 18,105 Deposits and borrowing from the public Household 5,317 5,382 -1% 5,496 -3% 5,403 5,485 -1% 5,519 Corporates 16,083 15,959 1% 15,669 3% 15,950 15,597 2% 15,685 Total 21,400 21,341 0% 21,166 1% 21,353 21,082 1% 21,203

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13 Handelsbanken’s Interim Report January-September 2026 Q3 2026 compared with Q2 2026 Operating profit increased by 5% to SEK 971m (924). Foreign exchange effects amounted to SEK 25m, and in local currency terms, operating profit rose by 2%. Return on allocated capital was 11.7% (11.7). The C/I ratio improved to 59.8% (61.2). Income grew by 3% to SEK 2,478m (2,405). Foreign exchange effects amounted to SEK 70m, and in local currency terms, income fell marginally. Expenses increased by 1% to SEK -1,489m (-1,480). Foreign exchange effects amounted to SEK -44m, and in local currency terms, expenses declined by 3%. Net interest income increased by 3% to SEK 2,201m (2,142). Foreign exchange effects amounted to SEK 61m, and in local currency terms, net interest income declined by 1%. The day effect was SEK 21m. The net amount of changed margins and funding costs had an impact of SEK -49m. Higher business volumes made a contribution of SEK 20m. Other effects had a SEK 6m impact. Net fee and commission income increased by 7% to SEK 230m (215). Foreign exchange effects amounted to SEK 7m, and in local currency terms, net fee and commission income rose by 3%. The increase was mainly due to higher mutual fund commissions and increased net payment commissions. Staff costs rose by 3% to SEK -962m (-933). Foreign exchange effects amounted to SEK -30m, and in local currency terms, staff costs fell marginally. The average number of employees grew by 1% to 3,004 (2,962), due to such factors as temporary staff for the summer holiday period. Other expense items declined by 3% to SEK -528m (-546). Expressed in local currency, other expense items decreased by 7%. Regulatory fees, comprised of the Bank of England Levy, amounted to SEK -17m (-14). Credit losses were SEK -1m (12), and the credit loss ratio was 0.00% (-0.02). January – September 2026 compared with January – September 2025 Operating profit decreased by 20% to SEK 2,726m (3,407). Foreign exchange effects amounted to SEK -109m, and in local currency terms, operating profit declined by 17%. Return on allocated capital was 11.0% (13.1). The C/I ratio was 61.1% (57.4). Income decreased by 9% to SEK 7,208m (7,963). Foreign exchange effects amounted to SEK -234m, and in local currency terms, income fell by 6%. Expenses decreased by 4% to SEK -4,428m (-4,593). Foreign exchange effects amounted to SEK 126m, and in local currency terms, expenses decreased marginally. Net interest income declined by 11% to SEK 6,426m (7,182). Foreign exchange effects amounted to SEK -209m, and in local currency terms, net interest income decreased by 7%. The net effect of changes to margins and funding costs was SEK -705m. Higher business volumes had an impact of SEK 181m. Other effects had a SEK -23m impact on net interest income. Net fee and commission income increased by 2% to SEK 640m (630). Foreign exchange effects amounted to SEK -21m, and in local currency terms, net fee and commission income rose by 5%, mainly due to higher mutual fund commissions. Staff costs rose by 9% to SEK -2,820m (-2,596). Foreign exchange effects amounted to SEK 86m, and in local currency terms, staff costs rose by 12%. The main reason for the increase was the organisational change involving the transfer of a number of staff from the central IT department to the segment. The average number of employees grew by 9% to 2,970 (2,733). Other expense items declined by 19% to SEK -1,609m (-1,997). In local currency terms, other expense items decreased by 17%, mainly due to the aforementioned organisational change. Regulatory fees, comprised of expenses for the Bank of England Levy, were SEK -44m (-42). Credit losses were SEK -10m (81), and the credit loss ratio was 0.01% (-0.04). Business development According to the annual EPSI survey of customer satisfaction in the banking industry, Handelsbanken – similar to previous years – had the most satisfied customers among all UK banks in the survey. Private customers gave Handelsbanken an index score of 86.8, as compared with the sector average of 78.1. Corporate customers gave the Bank an index score of 80.1, as compared with the sector average of 67.1. Q3 2026 compared with Q2 2026 The total average volume of lending increased by 2% to GBP 19.6bn (19.2). Household lending increased by 2% to GBP 5.3bn (5.2), and corporate lending increased by 2% to GBP 14.3bn (14.0). The total average volume of deposits increased marginally to GBP 21.4bn (21.3). Household deposits decreased by 1% to GBP 5.3bn (5.4), and corporate deposits increased by 1% to GBP 16.1bn (16.0). The total volume of assets under management in Handelsbanken Wealth & Asset Management amounted to GBP 5.1bn (5.1) at the end of the quarter. New savings in Handelsbanken Wealth & Asset Management totalled net GBP -3m (98). January – September 2026 compared with January – September 2025 The total average volume of lending increased by 7% to GBP 19.2bn (18.0). Household lending increased by 4% to GBP 5.2bn (5.0), and corporate lending increased by 8% to GBP 14.0bn (13.0). The total average volume of deposits increased by 1% to GBP 21.4bn (21.1). Household deposits decreased by 1% to GBP 5.4bn (5.5), and corporate deposits increased by 2% to GBP 16.0bn (15.6). The total volume of assets under management in Handelsbanken Wealth & Asset Management increased to GBP 5.1bn (4.6) at the end of the period. New savings totalled net GBP -80m (-166).

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14 Handelsbanken’s Interim Report January-September 2026 Handelsbanken Norway Income Statement Income Statement in local currency Business volumes Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Net interest income 1,226 1,184 4% 1,258 -3% 3,531 3,775 -6% 4,969 Net fee and commission income 226 222 2% 182 24% 640 524 22% 716 Net gains/losses on financial transactions 25 25 0% 20 25% 69 64 8% 78 Other income 8 6 33% 3 167% 15 9 67% 19 Total income 1,485 1,437 3% 1,463 2% 4,255 4,372 -3% 5,782 Staff costs -340 -331 3% -317 7% -1,004 -963 4% -1,282 Other expenses -156 -164 -5% -52 200% -471 -176 168% -236 Internal purchased and sold services -111 -113 -2% -216 -49% -340 -666 -49% -878 Depreciation, amortisation and impairment of tangible and intangible assets -49 -45 9% -27 81% -138 -79 75% -120 Total expenses -655 -655 0% -612 7% -1,953 -1,884 4% -2,516 Profit before credit losses and regulatory fees 830 783 6% 851 -2% 2,302 2,488 -7% 3,266 Net credit losses 0 0 0% 7 -100% -5 47 44 Gains/losses on disposal of tangible and intangible assets 1 1 0% 1 0% 3 2 50% 2 Regulatory fees -98 -95 3% -103 -5% -294 -309 -5% -418 Operating profit 733 689 6% 755 -3% 2,006 2,227 -10% 2,894 Profit allocation 10 10 0% 11 -9% 43 39 10% 50 Operating profit after profit allocation 743 700 6% 767 -3% 2,049 2,266 -10% 2,945 Internal income -2,209 -2,060 7% -2,183 1% -6,197 -6,830 -9% -8,807 Cost/income ratio, % 43.8 45.3 41.5 45.4 42.7 43.1 Credit loss ratio, % 0.00 0.00 -0.01 0.00 -0.02 -0.01 Allocated capital 20,948 20,364 3% 20,463 2% 20,948 20,463 2% 21,991 Return on allocated capital, % 11.3 10.9 11.9 10.3 11.1 10.8 Average number of employees 912 913 0% 979 -7% 922 990 -7% 981 Q3 Q2 Q3 Jan-Sep Jan-Sep Full year NOK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Net interest income 1,205 1,193 1% 1,336 -10% 3,590 3,981 -10% 5,261 Net fee and commission income 223 223 0% 192 16% 651 552 18% 758 Net gains/losses on financial transactions 26 25 4% 21 24% 71 67 6% 83 Other income 7 7 0% 4 75% 15 10 50% 20 Total income 1,460 1,449 1% 1,552 -6% 4,326 4,610 -6% 6,122 Staff costs -334 -333 0% -336 -1% -1,021 -1,015 1% -1,357 Other expenses -153 -166 -8% -55 178% -479 -185 159% -250 Internal purchased and sold services -109 -114 -4% -230 -53% -346 -703 -51% -930 Depreciation, amortisation and impairment of tangible and intangible assets -48 -46 4% -30 60% -140 -84 67% -127 Total expenses -643 -659 -2% -650 -1% -1,986 -1,987 0% -2,664 Profit before credit losses and regulatory fees 817 790 3% 902 -9% 2,340 2,623 -11% 3,458 Net credit losses 0 1 -100% 8 -100% -5 50 47 Gains/losses on disposal of tangible and intangible assets 1 1 0% 1 0% 3 2 50% 2 Regulatory fees -96 -95 1% -109 -12% -299 -326 -8% -443 Operating profit 722 696 4% 802 -10% 2,039 2,349 -13% 3,064 Profit allocation 10 10 0% 12 -17% 44 41 7% 53 Operating profit after profit allocation 731 707 3% 814 -10% 2,083 2,390 -13% 3,118 Q3 Q2 Q3 Jan-Sep Jan-Sep Jan-Dec Average volumes, NOK bn 2026 2026 Change 2025 Change 2026 2025 Change 2025 Loans to the public Household 134.0 134.0 0% 141.2 -5% 134.4 143.1 -6% 141.6 Corporates 175.9 177.4 -1% 184.5 -5% 176.7 184.8 -4% 183.3 Total 309.9 311.4 0% 325.7 -5% 311.1 327.9 -5% 324.9 Deposits and borrowing from the public Household 54.0 53.0 2% 51.2 5% 52.8 50.0 6% 50.0 Corporates 59.7 59.5 0% 62.5 -4% 58.5 60.9 -4% 60.1 Total 113.6 112.5 1% 113.7 0% 111.3 110.9 0% 110.1

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15 Handelsbanken’s Interim Report January-September 2026 Q3 2026 compared with Q2 2026 Operating profit increased by 6% to SEK 733m (689). Foreign exchange effects amounted to SEK 13m, and in local currency terms, operating profit rose by 4%. The return on allocated capital improved to 11.3% (10.9) The C/I ratio improved to 43.8% (45.3). Income grew by 3% to SEK 1,485m (1,437). Foreign exchange effects amounted to SEK 26m, and in local currency terms, income rose by 1%. Expenses were unchanged at SEK -655m (-655). Foreign exchange effects amounted to SEK -13m, and in local currency terms, expenses declined by 2%. Net interest income increased by 4%, or SEK 42m, to SEK 1,226m (1,184). Foreign exchange effects amounted to SEK 22m, and in local currency terms, net interest income rose by 1%. The day effect was SEK 10m. The net effect of changes to margins and funding costs was SEK -5m, with the effect of the required notification period, due to an eight-week delay before interest rates on lending can be raised for household customers, amounting to SEK -14m. Changed business volumes had an impact of SEK -1m. Other effects had a SEK 16m impact on net interest income. Net fee and commission income increased by 2% to SEK 226m (222). Foreign exchange effects amounted to SEK 4m, and in local currency terms, net fee and commission income was unchanged. Net gains/losses on financial transactions totalled SEK 25m (25). Other income increased to SEK 8m (6). Staff costs rose by 3% to SEK -340m (-331). Foreign exchange effects amounted to SEK -7m, and in local currency terms, staff costs rose marginally. The average number of employees decreased marginally to 912 (913). Other expense items fell by 2% to SEK -316m (-322). Expressed in local currency, other expense items declined by 5%. Credit losses were SEK 0m (0), and the credit loss ratio was 0.00% (0.00). Regulatory fees amounted to SEK -98m (-95), of which the risk tax amounted to SEK -57m (-57) and the resolution fee to SEK -41m (-38). January – September 2026 compared with January – September 2025 Operating profit decreased by 10% to SEK 2,006m (2,227). Foreign exchange effects amounted to SEK 68m, and in local currency terms, operating profit declined by 13%. Return on allocated capital was 10.3% (11.1). The C/I ratio was 45.4% (42.7). Income decreased by 3% to SEK 4,255m (4,372). Foreign exchange effects amounted to SEK 132m, and in local currency terms, income fell by 6%. Expenses increased by 4% to SEK -1,953m (-1,884). Foreign exchange effects amounted to SEK -66m, and in local currency terms, expenses decreased marginally. Net interest income decreased by 6% to SEK 3,531m (3,775). Foreign exchange effects amounted to SEK 116m, and in local currency terms, net interest income declined by 10%. The net effect of changes to margins and funding costs was a contribution of SEK -254m. Changed business volumes made a contribution of SEK -84m. Other effects, including changes to the fees for deposit guarantees, had a SEK -22m impact. Net fee and commission income increased by 22% to SEK 640m (524). Foreign exchange effects on net fee and commission income amounted to SEK 14m, and in local currency terms, net fee and commission income rose by 18%. Commission income from fund management, custody account management and other asset management fees, brokerage and insurance increased by 27% to SEK 394m (311). Commission income from loans and deposits and from guarantees increased by 14% and amounted to SEK 99m (87). Net payment commissions rose by 14% to SEK 169m (148). Net gains/losses on financial transactions increased to SEK 69m (64). Other income increased to SEK 15m (9). Staff costs rose by 4% to SEK -1,004m (-963). Foreign exchange effects amounted to SEK -36m, and in local currency terms, staff costs rose by 1%. The average number of employees decreased by 7% to 922 (990). Other expense items increased by 3% to SEK -949m (-921). Expressed in local currency, other expense items decreased by 1%. Credit losses were SEK -5m (47), and the credit loss ratio was 0.00% (-0.02). Regulatory fees amounted to SEK -294m (-309), of which the risk tax amounted to SEK -170m (-177) and the resolution fee to SEK -124m (-133). Business development According to the annual EPSI survey of customer satisfaction in the banking industry, Handelsbanken has more satisfied customers than the average for the banking sector. Private customers gave the Bank an index score of 70.6, as compared with the sector average of 69.6. Corporate customers gave the Bank an index score of 70.5, as compared with the sector average of 67.8. Q3 2026 compared with Q2 2026 The total average volume of lending decreased marginally to NOK 310bn (311). Household lending was unchanged at NOK 134bn (134), and corporate lending decreased by 1% to NOK 176bn (177). The total average volume of deposits increased by 1% to NOK 114bn (113). Household deposits increased by 2% to NOK 54bn (53), and corporate deposits increased marginally to NOK 60bn (60). Total assets under management were NOK 71bn (71) at the end of the quarter, of which the managed fund volume was NOK 65bn (64). The net flow to the Bank’s mutual funds in Norway amounted to NOK 1.2bn (1.2). January – September 2026 compared with January – September 2025 The total average volume of lending decreased by 5% to NOK 311bn (328). Household lending decreased by 6% to NOK 134bn (143), and corporate lending decreased by 4% to NOK 177bn (185). The total average volume of deposits increased marginally to NOK 111bn (111). Household deposits increased by 6% to NOK 53bn (50), and corporate deposits decreased by 4% to NOK 59bn (61). Total assets under management increased by 25% and amounted to NOK 71bn (57) at the end of the period, of which the managed fund volume accounted for NOK 65bn (54). The net flow to the Bank’s mutual funds in Norway increased to NOK 3.0bn (-0.5).

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16 Handelsbanken’s Interim Report January-September 2026 Handelsbanken the Netherlands Income Statement Income Statement in local currency Business volumes Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Net interest income 476 460 3% 453 5% 1,373 1,373 0% 1,817 Net fee and commission income 58 55 5% 47 23% 160 132 21% 177 Net gains/losses on financial transactions 7 8 -13% 5 40% 21 14 50% 22 Other income 0 1 -100% 0 0% 1 1 0% 4 Total income 541 523 3% 504 7% 1,555 1,520 2% 2,019 Staff costs -166 -164 1% -155 7% -489 -465 5% -616 Other expenses -48 -51 -6% -26 85% -148 -86 72% -118 Internal purchased and sold services -45 -50 -10% -78 -42% -148 -239 -38% -319 Depreciation, amortisation and impairment of tangible and intangible assets -16 -15 7% -17 -6% -47 -48 -2% -66 Total expenses -275 -281 -2% -275 0% -832 -838 -1% -1,119 Profit before credit losses and regulatory fees 266 242 10% 229 16% 723 682 6% 900 Net credit losses 1 -3 -4 1 -4 -4 Regulatory fees -37 -36 3% -35 6% -111 -104 7% -141 Operating profit 230 203 13% 190 21% 613 574 7% 754 Profit allocation 0 0 0% 0 0% 0 0 0% 0 Operating profit after profit allocation 229 203 13% 190 21% 612 574 7% 754 Internal income -350 -307 14% -228 54% -945 -468 102% -735 Cost/income ratio, % 50.8 53.7 54.6 53.5 55.1 55.4 Credit loss ratio, % 0.00 0.01 0.02 0.00 0.01 0.00 Allocated capital 6,205 5,902 5% 6,242 -1% 6,205 6,242 -1% 6,457 Return on allocated capital, % 11.7 10.9 9.7 10.3 10.1 9.7 Average number of employees 463 461 0% 432 7% 458 430 7% 430 Q3 Q2 Q3 Jan-Sep Jan-Sep Full year EUR m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Net interest income 42.8 42.3 1% 40.6 5% 126.0 123.6 2% 164.1 Net fee and commission income 5.2 5.1 2% 4.2 24% 14.7 11.9 24% 16.0 Net gains/losses on financial transactions 0.6 0.7 -14% 0.4 50% 1.9 1.2 58% 1.9 Other income 0.0 0.1 -100% 0.0 0% 0.1 0.1 0% 0.3 Total income 48.7 48.1 1% 45.4 7% 142.7 136.9 4% 182.4 Staff costs -14.9 -15.1 -1% -13.9 7% -44.9 -41.9 7% -55.7 Other expenses -4.3 -4.8 -10% -2.3 87% -13.6 -7.7 77% -10.7 Internal purchased and sold services -4.0 -4.7 -15% -7.0 -43% -13.6 -21.6 -37% -28.8 Depreciation, amortisation and impairment of tangible and intangible assets -1.5 -1.4 7% -1.5 0% -4.4 -4.3 2% -6.0 Total expenses -24.7 -25.9 -5% -24.8 0% -76.4 -75.5 1% -101.1 Profit before credit losses and regulatory fees 23.9 22.3 7% 20.6 16% 66.3 61.4 8% 81.3 Net credit losses 0.1 -0.3 -0.3 0.1 -0.3 -0.4 Regulatory fees -3.3 -3.3 0% -3.1 6% -10.2 -9.3 10% -12.8 Operating profit 20.7 18.7 11% 17.1 21% 56.2 51.7 9% 68.2 Profit allocation 0.0 0.0 0% 0.0 0% 0.0 0.0 0% 0.0 Operating profit after profit allocation 20.7 18.7 11% 17.1 21% 56.2 51.7 9% 68.2 Q3 Q2 Q3 Jan-Sep Jan-Sep Jan-Dec Average volumes, EUR m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Loans to the public Household 5,316 5,271 1% 5,189 2% 5,278 5,107 3% 5,139 Corporates 5,471 5,257 4% 4,642 18% 5,253 4,433 18% 4,524 Total 10,787 10,528 2% 9,831 10% 10,531 9,539 10% 9,663 Deposits and borrowing from the public Household 837 808 4% 818 2% 807 804 0% 804 Corporates 3,268 3,459 -6% 3,202 2% 3,311 3,357 -1% 3,290 Total 4,105 4,267 -4% 4,020 2% 4,118 4,161 -1% 4,094

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17 Handelsbanken’s Interim Report January-September 2026 Q3 2026 compared with Q2 2026 Operating profit increased by 13% and amounted to SEK 230m (203). Foreign exchange effects amounted to SEK 5m, and in local currency terms, operating profit rose by 11%. Return on allocated capital increased to 11.7% (10.9). The C/I ratio improved to 50.8% (53.7). Income grew by 3% to SEK 541m (523). Foreign exchange effects amounted to SEK 10m, and in local currency terms, income rose by 1%. Expenses decreased by 2% to SEK -275m (-281). Foreign exchange effects amounted to SEK -5m, and in local currency terms, expenses declined by 5%. Net interest income increased by 3% to SEK 476m (460). Foreign exchange effects amounted to SEK 9m, and in local currency terms, net interest income rose by 1%. The day effect had a SEK 1m impact on net interest income. The net amount of changed margins and funding costs had an impact of SEK -2m. Higher business volumes made a contribution of SEK 5m. Other effects had a SEK 3m impact. Net fee and commission income increased by 5% to SEK 58m (55). Foreign exchange effects amounted to SEK 1m, and in local currency terms, net fee and commission income rose by 2%. Staff costs rose by 1% to SEK -166m (-164). Foreign exchange effects amounted to SEK -3m, and in local currency terms, staff costs fell by 1%. The average number of employees increased marginally to 463 (461). Other expense items fell by 6% to SEK -109m (-116). In local currency terms, other expense items decreased by 10%, mainly due to higher IT costs in the comparison quarter. Credit losses consisted of net reversals of SEK 1m (-3), and the credit loss ratio was 0.00% (0.01). Regulatory fees amounted to SEK -37m (-36), of which the risk tax amounted to SEK -21m (-22) and the resolution fee to SEK -16m (-14). January – September 2026 compared with January – September 2025 Operating profit increased by 7% and amounted to SEK 613m (574). Foreign exchange effects amounted to SEK -11m, and in local currency terms, operating profit rose by 9%. Return on allocated capital increased to 10.3% (10.1). The C/I ratio improved to 53.5% (55.1). Income rose by 2% to SEK 1,555m (1,520). Foreign exchange effects amounted to SEK -26m, and in local currency terms, income rose by 4%. Expenses decreased by 1% to SEK -832m (-838). Foreign exchange effects amounted to SEK 15m, and in local currency terms, expenses rose by 1%. Net interest income was unchanged at SEK 1,373m (1,373). Foreign exchange effects amounted to SEK -23m, and in local currency terms, net interest income rose by 2%. The net amount of changed margins and funding costs had an impact of SEK -78m. Higher business volumes made a contribution of SEK 97m. Other effects had a SEK 4m impact on net interest income. Net fee and commission income increased by 21% and amounted to SEK 160m (132). Foreign exchange effects amounted to SEK -2m, and in local currency terms, net fee and commission income rose by 24%. The increase was due to higher commission income from fund management, custody account management and other asset management, as well as brokerage fees. Staff costs rose by 5% to SEK -489m (-465). Foreign exchange effects amounted to SEK 9m, and in local currency terms, staff costs rose by 7%. The average number of employees grew by 7% to 458 (430). Other expense items fell by 8% to SEK -343m (-373). Expressed in local currency, other expense items decreased by 6%. Credit losses consisted of net reversals of SEK 1m (-4). The credit loss ratio was 0.00% (0.01). Regulatory fees amounted to SEK -111m (-104), of which the risk tax amounted to SEK -64m (-58) and the resolution fee to SEK -47m (-46). Business development According to the annual EPSI survey of customer satisfaction in the banking industry, Handelsbanken had the most satisfied customers among all reported banks in the Netherlands. Private customers gave Handelsbanken an index score of 79.4, as compared with the sector average of 66.6. Corporate customers gave the Bank an index score of 77.3, as compared with the sector average of 64.9. Q3 2026 compared with Q2 2026 The total average volume of lending increased by 2% to EUR 10.8bn (10.5). Household lending increased 1% and amounted to EUR 5.3bn (5.3), while corporate lending increased by 4% to EUR 5.5bn (5.3). The total average volume of deposits decreased by 4% to EUR 4.1bn (4.3). Household deposits increased by 4% to EUR 0.8bn (0.8), and corporate deposits decreased by 6% to EUR 3.3bn (3.5). Total assets under management at Optimix, including the company’s own mutual funds, increased to EUR 2.9bn (2.8) at the end of the quarter. New savings in Optimix during the quarter totalled net EUR 68m (55). January – September 2026 compared with January – September 2025 The total average volume of lending increased by 10% to EUR 10.5bn (9.5). Household lending increased by 3% to EUR 5.3bn (5.1), and corporate lending increased by 18% to EUR 5.3bn (4.4). The total average volume of deposits decreased by 1% to EUR 4.1bn (4.2). Household deposits increased marginally and amounted to EUR 0.8bn (0.8), and corporate deposits decreased by 1% to EUR 3.3bn (3.4). Total assets under management at Optimix, including the company’s own mutual funds, increased to EUR 2.9bn (2.3) at the end of the period. New savings in Optimix during the period totalled EUR 231m (70).

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18 Handelsbanken’s Interim Report January-September 2026 Handelsbanken Markets Income Statement A large proportion of the fee and commission income and net gains/losses on financial transactions related to Markets’ products is recognised in the profit/loss of the respective home market segment. Q3 2026 compared with Q2 2026 Operating profit was SEK - 27m (87). Income decreased by 24%. Expenses were unchanged at SEK -388m (-388). Net fee and commission income declined by 20% to SEK 135m (169), mainly due to lower brokerage and advisory commissions. Net gains/losses on financial transactions decreased to SEK 230m (309), mainly because of lower activity compared with the previous quarter. Staff costs were unchanged at SEK -243m (-243). The average number of employees increased by 1% to 439 (436). Other expense items amounted to SEK -147m (-144). Regulatory fees totalled SEK -6m (-5). January – September 2026 compared with January – September 2025 Operating profit increased to SEK 175m (83). Income grew by 10% to SEK 1,366m (1,246). Expenses rose by 3% to SEK -1,174m (-1,145). Net fee and commission income increased by 25% to SEK 533m (427), mainly due to higher brokerage and advisory income. Net gains/losses on financial transactions increased by 2% to SEK 826m (808). Staff costs rose by 6% to SEK -737m (-697). The average number of employees grew by 1% to 436 (431). Other expense items amounted to SEK -438m (-448). Regulatory fees totalled SEK -17m (-17). Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Net interest income 0 3 -100% 0 0% 5 8 -37% 5 Net fee and commission income 135 169 -20% 133 2% 533 427 25% 595 Net gains/losses on financial transactions 230 309 -26% 230 0% 826 808 2% 1,079 Other income 1 1 0% 1 0% 2 4 -50% 5 Total income 367 481 -24% 363 1% 1,366 1,246 10% 1,684 Staff costs -243 -243 0% -232 5% -737 -697 6% -941 Other expenses -118 -122 -3% -118 0% -361 -376 -4% -510 Internal purchased and sold services 7 14 -50% 16 -56% 31 45 -31% 57 Depreciation, amortisation and impairment of tangible and intangible assets -36 -36 0% -41 -12% -108 -117 -8% -155 Total expenses -388 -388 0% -374 4% -1,174 -1,145 3% -1,548 Profit before credit losses and regulatory fees -22 94 -11 100% 192 101 90% 135 Net credit losses 0 0 0% 0 0% 0 0 0% 0 Regulatory fees -6 -5 20% -5 20% -17 -17 0% -23 Operating profit -27 87 -17 59% 175 83 111% 112 Profit allocation -92 -109 -16% -95 -3% -327 -302 8% -402 Operating profit after profit allocation -120 -20 500% -112 7% -152 -219 -31% -290 Internal income -542 -454 19% -280 94% -1,376 -688 100% -1,076 Cost/income ratio, % 141.1 104.3 139.6 113.0 121.3 120.7 Credit loss ratio, % 0.00 0.00 0% 0.00 0% 0.00 0.00 0% 0.00 Allocated capital 1,795 1,633 10% 1,673 7% 1,795 1,673 7% 1,564 Return on allocated capital, % -21.2 -4.0 -21.3 -9.7 -14.6 -14.6 Average number of employees 439 436 1% 428 3% 436 431 1% 432

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19 Handelsbanken’s Interim Report January-September 2026 Other units not reported in the business segments Below is an account of income and expense items attributable to units not reported in the business segments, including the Group’s IT department, provisions for Oktogonen and central business support units. Income Statement As of Q1 2026, the business operations in Finland are no longer reported separately as Profit from discontinued operations and are instead included in Other. The comparative figures for 2025 have been recalculated accordingly. Q3 2026 compared with Q2 2026 Operating profit improved to SEK -100m (-521). Income grew to SEK 318m (-77). Net gains/losses on financial transactions increased to SEK 11m (-410) because the previous quarter was charged with negative valuation effects on derivatives related to the Bank’s funding. Expenses increased to SEK -400m (-288). Staff costs totalled SEK -926m (-882). A preliminary provision of SEK -94m (-48) for Oktogonen was made in the quarter. The average number of employees fell to 2,323 (2,332). Other expenses totalled SEK -763m (-872). Internal purchased and sold services amounted to SEK 1,430m (1,561). Depreciation, amortisation and impairment of tangible and intangible assets amounted to SEK -142m (-94). Regulatory fees decreased to SEK -24m (-146). The previous quarter included a cost of SEK -123m (-) for interest- free deposits made with the Riksbank, referring to the next 12- month period. January – September 2026 compared with January – September 2025 Operating profit was SEK 745m (-765) Income increased to SEK 1,828m (649). VAT of SEK 1,127m attributable to the period 2020-2025 was reversed during the first quarter. Expenses decreased to SEK -901m (-1,314). Staff costs fell by 16% to SEK -2,643m (-3,163). The provision to Oktogonen was SEK -144m (-194). The average number of employees decreased by 15% to 2,333 (2,736), with the number of employees at the Bank’s IT department totalling 1,610 (1,891). Personnel were transferred from the central IT department to the UK, Netherlands and Norway segments during the period. Other expenses fell by 22% to SEK -2,472m (-3,183), mainly due to lower IT-related expenses. Internal purchased and sold services amounted to SEK 4,549m (5,307). The decrease was mainly due to the aforementioned organisational change. Depreciation, amortisation and impairment of tangible and intangible assets amounted to SEK -335m (-275). Regulatory fees totalled SEK -195m (-118). A cost of SEK -123m for interest-free deposits at the Riksbank referring to the 12-month period until the end of the first half of 2027 was recognised during the second quarter of 2026. Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Net interest income 281 331 -15% 323 -13% 1,085 1,099 -1% 1,434 Net fee and commission income 16 14 14% 13 23% 51 65 -22% 83 Net gains/losses on financial transactions 11 -410 71 -85% -430 -511 -16% -552 Share of profit of associates and joint ventures 3 -22 -22 -34 -89 -62% -9 Other income 7 10 -30% 7 0% 1,156 85 296 Total income 318 -77 391 -19% 1,828 649 182% 1,252 Staff costs -926 -882 5% -1,009 -8% -2,643 -3,163 -16% -3,737 Other expenses -763 -872 -13% -962 -21% -2,472 -3,183 -22% -4,016 Internal purchased and sold services 1,430 1,561 -8% 1,702 -16% 4,549 5,307 -14% 6,489 Depreciation, amortisation and impairment of tangible and intangible assets -142 -94 51% -113 26% -335 -275 22% -364 Total expenses -400 -288 39% -383 4% -901 -1,314 -31% -1,628 Profit before credit losses and regulatory fees -82 -365 -78% 8 927 -665 -376 Net credit losses 6 -11 -13 12 19 -37% -57 Gains/losses on disposal of tangible and intangible assets 0 0 0% 0 -1 -1 Regulatory fees -24 -146 -84% -39 -38% -195 -118 65% -255 Operating profit -100 -521 -81% -45 122% 745 -765 -689 Profit allocation -24 -20 20% -13 85% -61 -36 69% -50 Operating profit after profit allocation -124 -542 -77% -58 114% 683 -801 -739 Internal income 2,593 2,391 8% 1,739 49% 7,123 4,226 69% 6,240 Average number of employees 2,323 2,332 0% 2,684 -13% 2,333 2,736 -15% 2,659

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20 Handelsbanken’s Interim Report January-September 2026 Key metrics – Group The Handelsbanken share Q3 Q2 Q3 Jan-Sep Jan-Sep Full year 2026 2026 2025 2026 2025 2025 Return on equity 13.5% 12.8% 13.3% 13.3% 13.0% 13.0% C/I ratio 42.3% 44.3% 41.1% 42.0% 42.3% 42.1% Earnings per share, SEK 2.87 2.60 3.00 8.68 8.97 11.98 Ordinary dividend per share, SEK 8.00 Total dividend per share, SEK 17.50 Adjusted equity per share, SEK 97.99 93.04 98.21 97.99 98.21 100.56 Common equity tier 1 ratio, CRR 17.0% 17.2% 18.2% 17.0% 18.2% 17.6% Total capital ratio, CRR 22.1% 22.3% 22.6% 22.1% 22.6% 22.0% Average number of employees 11,841 11,667 11,898 11,726 11,937 11,888 Q3 Q2 Q3 Jan-Sep Jan-Sep Full year 2026 2026 2025 2026 2025 2025 Number of converted shares Number of repurchased shares Holding of own shares in trading book, end of period Number of outstanding shares after repurchases and deduction for trading book, end of period 1,980,028,494 1,980,028,494 1,980,028,494 1,980,028,494 1,980,028,494 1,980,028,494 Number of outstanding shares after dilution, end of period 1,980,028,494 1,980,028,494 1,980,028,494 1,980,028,494 1,980,028,494 1,980,028,494 Average number of shares converted during the period Average holdings of own shares (repurchased and holdings in trading book) Average number of outstanding shares 1,980,028,494 1,980,028,494 1,980,028,494 1,980,028,494 1,980,028,494 1,980,028,494 - after dilution 1,980,028,494 1,980,028,494 1,980,028,494 1,980,028,494 1,980,028,494 1,980,028,494 Share price SHB class A, end of period, SEK 154.55 142.60 122.40 154.55 122.40 134.35 Share price SHB class B, end of period, SEK 243.60 235.40 210.00 243.60 210.00 231.80 Market capitalisation, end of period, SEK bn 309 286 245 309 245 269

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21 Handelsbanken’s Interim Report January-September 2026 Condensed set of financial statements – Group Income Statement - Group *Includes interest income according to effective interest method and interest on derivatives in hedge accounting. Earnings per Share – Group Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Interest income 31,056 29,674 5% 32,170 -3% 88,377 102,093 -13% 131,394 26,732 25,984 3% 28,697 -7% 77,062 91,312 -16% 117,242 Interest expenses -21,005 -19,667 7% -21,592 -3% -58,302 -69,191 -16% -88,353 Net interest income Note 2 10,051 10,008 0% 10,578 -5% 30,075 32,902 -9% 43,041 Fee and commission income 3,709 3,537 5% 3,369 10% 10,713 9,912 8% 13,434 Fee and commission expenses -379 -402 -6% -391 -3% -1,175 -1,157 2% -1,562 Net fee and commission income Note 3 3,330 3,135 6% 2,978 12% 9,538 8,755 9% 11,872 Net gains/losses on financial transactions Note 4 515 116 344% 573 -10% 1,178 1,010 17% 1,686 Net insurance result Note 5 35 196 -82% 71 -51% 237 204 16% 289 Other dividend income 2 1 100% 1 100% 4 3 33% 11 Share of profit of associates and joint ventures 3 -22 -22 -34 -89 -62% -9 Other income 23 23 52 -56% 1,195 154 410 Total income 13,959 13,456 4% 14,230 -2% 42,193 42,938 -2% 57,300 Staff costs -3,818 -3,743 2% -3,746 2% -11,240 -11,493 -2% -15,146 Other expenses Note 6 -1,584 -1,756 -10% -1,594 -1% -5,017 -5,209 -4% -7,031 Depreciation, amortisation and impairment of tangible and intangible assets -508 -464 9% -515 -1% -1,454 -1,470 -1% -1,951 Total expenses -5,910 -5,963 -1% -5,855 1% -17,711 -18,172 -3% -24,128 Profit before credit losses and regulatory fees 8,049 7,493 7% 8,375 -4% 24,482 24,766 -1% 33,173 Net credit losses Note 7 -5 -30 -83% 19 -70 278 208 Gains/losses on disposal of tangible and intangible assets 1 2 -50% 1 5 5 7 Regulatory fees Note 8 -691 -788 -12% -706 -2% -2,191 -2,116 4% -2,924 Operating profit 7,353 6,678 10% 7,690 -4% 22,226 22,933 -3% 30,463 Taxes -1,601 -1,449 10% -1,741 -8% -4,887 -5,174 -6% -6,734 Profit for the period 5,753 5,228 10% 5,948 -3% 17,339 17,759 -2% 23,729 Attributable to Shareholders in Svenska Handelsbanken AB 5,699 5,228 9% 5,948 -4% 17,284 17,757 -3% 23,727 Non-controlling interest 0 1 -100% 1 -100% 2 2 0% 3 Holders of other tier 1 capital 52 52 of which financial assets at amortised cost* Q3 Q2 Q3 Jan-Sep Jan-Sep Full year 2026 2026 Change 2025 Change 2026 2025 Change 2025 5,699 5,228 9% 5,948 -4% 17,284 17,757 -3% 23,727 1,980.0 1,980.0 1,980.0 1,980.0 1,980.0 1,980.0 1,980.0 1,980.0 1,980.0 1,980.0 1,980.0 1,980.0 2.87 2.60 10% 3.00 -4% 8.68 8.97 -3% 11.98 Profit for the year, attributable to shareholders in Svenska Handelsbanken AB Average number of outstanding shares, millions Average number of outstanding shares after dillution, millions Earnings per share, SEK

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22 Handelsbanken’s Interim Report January-September 2026 Statement of Comprehensive Income – Group For the period January-September 2026, other comprehensive income totalled SEK 6,240m (-3,396) after tax. The main items explaining the positive effect on other comprehensive income are the translation of the foreign operations amounting to SEK 4,272m after tax (-3,814) and the defined benefit pension plans amounting to SEK 1,964m after tax (551). The positive effect on the translation of the foreign operations was a result of the depreciation of the Swedish krona during the year versus all currencies in the countries where the Group operates. The higher discount rate at the end of the quarter compared with the beginning of the year was due to the positive effect on the defined benefit pension plans. Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 5,753 5,228 10% 5,948 -3% 17,339 17,759 -2% 23,729 2,356 254 912 158% 2,467 686 260% 622 45 82 -45% 20 125% 81 10 -1 -493 -66 -186 165% -515 -136 279% -123 -485 -50 -182 166% -503 -135 273% -122 -8 -16 -50% -4 100% -12 -1 -1 1,908 270 746 156% 2,033 560 263% 498 27 32 -16% 122 -78% -55 -109 -50% -88 -8 7 -1 1 12 -92% -8 118 -171 79 49% -22 -66 -67% -16 2,343 853 175% -701 4,810 -3,987 -5,425 -205 -138 49% 172 -423 587 710 -264 -42 -53 398% -527 193 329 -6 -7 -14% -26 -77% 11 22 -50% 18 2 -2 0 0 -3 -2 42 28 50% -36 87 -121 -146 -302 -62 387% 7 -625 294 459 2,218 680 226% -553 4,208 -3,956 -5,209 4,125 950 334% 193 6,240 -3,396 -4,711 9,877 6,179 60% 6,141 61% 23,579 14,363 64% 19,018 9,876 6,181 60% 6,141 61% 23,579 14,366 64% 19,020 1 -2 1 0% -3 -2 52 52Holders of other tier 1 capital Profit for the period Items that will not be reclassified to the income statement Defined benefit pension plans Equity instruments measured at fair value through other comprehensive income Tax on items that will not be reclassified to income statement of which hedges of net investments in foreign operations Debt instruments measured at fair value through other comprehensive income Insurance contracts Translation differences for the period of which hedges of net investments in foreign operations of which defined benefit pension plans of which equity instruments measured at fair value through other comprehensive income Total Items that may subsequently be reclassified to the income statement Cash flow hedges Shareholders in Svenska Handelsbanken AB Non-controlling interest of which translation difference Total Total other comprehensive income for the period Total comprehensive income for the period Attributable to Tax on items that may subsequently be reclassified to the income statement of which cash flow hedges of which debt instruments measured at fair value through other comprehensive income

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23 Handelsbanken’s Interim Report January-September 2026 Quarterly Performance – Group Q3 Q2 Q1 Q4 Q3 SEK m 2026 2026 2026 2025 2025 Net interest income 10,051 10,008 10,016 10,139 10,578 Net fee and commission income 3,330 3,135 3,073 3,117 2,978 Net gains/losses on financial transactions 515 116 547 676 573 Net insurance result 35 196 6 85 71 Other dividend income 2 1 1 8 1 Share of profit of associates and joint ventures 3 -22 -15 80 -22 Other income 23 23 1,149 256 52 Total income 13,959 13,456 14,778 14,362 14,230 Staff costs -3,818 -3,743 -3,679 -3,653 -3,746 Other expenses -1,584 -1,756 -1,677 -1,822 -1,594 Depreciation, amortisation and impairment of tangible and intangible assets -508 -464 -482 -481 -515 Total expenses -5,910 -5,963 -5,838 -5,956 -5,855 Profit before credit losses and regulatory fees 8,049 7,493 8,940 8,407 8,375 Net credit losses -5 -30 -35 -70 19 Gains/losses on disposal of property, equipment and intangible assets 1 2 2 2 1 Regulatory fees -691 -788 -712 -808 -706 Operating profit 7,353 6,678 8,195 7,530 7,690 Taxes -1,601 -1,449 -1,837 -1,560 -1,741 Profit for the period 5,753 5,228 6,358 5,970 5,948 Earnings per share, SEK 2.87 2.60 3.21 3.01 3.00

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24 Handelsbanken’s Interim Report January-September 2026 Balance Sheet – Group 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep SEK m 2026 2026 2026 2025 2025 Assets Cash and balances with central banks 517,108 578,352 535,676 408,154 598,245 Other loans to central banks Note 9 10,269 23,699 37,438 24,526 36,466 Interest-bearing securities eligible as collateral with central banks 243,081 369,389 305,859 188,272 330,416 Loans to other credit institutions Note 9 32,826 28,652 21,436 21,694 28,750 Loans to the public Note 9 2,393,051 2,346,528 2,333,447 2,263,765 2,288,016 Value change of interest-hedged item in portfolio hedge -6,979 -5,330 -6,066 -5,510 -5,401 Bonds and other interest-bearing securities 60,947 62,120 65,409 53,631 57,523 Shares 36,086 34,551 34,984 16,549 31,624 Investments in associates and joint ventures 982 979 866 881 800 Assets where the customer bears the value change risk 362,898 349,133 305,005 312,284 303,315 Derivatives Note 11,12 33,817 34,031 26,264 21,752 22,253 Intangible assets Note 13 7,931 7,893 7,972 7,991 8,080 Tangible assets 4,928 4,930 4,916 4,956 5,152 Current tax assets 611 536 30 14 1,865 Deferred tax assets 379 385 459 631 284 Net pension assets 18,824 15,980 15,234 14,920 15,267 Assets held for sale 0 0 43,580 50,459 Other assets 20,520 17,046 32,487 6,956 26,280 Prepaid expenses and accrued income 3,363 3,567 3,965 2,518 2,874 Total assets Note 18 3,740,642 3,872,440 3,725,382 3,387,566 3,802,267 Liabilities and equity Due to credit institutions Note 14 149,881 192,810 136,300 64,525 159,777 Deposits and borrowing from the public Note 15 1,479,245 1,463,636 1,399,174 1,293,784 1,397,295 Liabilities where the customer bears the value change risk 363,569 349,833 305,916 312,714 303,880 Issued securities, etc. Note 16 1,447,649 1,427,027 1,456,103 1,429,185 1,491,285 Derivatives Note 11,12 23,129 16,522 21,997 26,211 23,496 Short positions 12,424 12,433 11,539 2,163 13,248 Insurance liabilities 6,931 7,177 7,133 7,310 7,485 Current tax liabilities 461 294 384 726 1,015 Deferred tax liabilities 4,440 3,944 3,986 4,028 4,234 Provisions 650 595 646 538 310 Liabilities held for sale 0 0 413 454 Other liabilities 20,181 176,258 173,354 10,524 167,657 Accrued expenses and deferred income 2,371 2,308 2,388 2,029 2,810 Subordinated liabilities 35,490 35,207 34,233 34,061 34,631 Total liabilities Note 18 3,546,421 3,688,045 3,553,154 3,188,211 3,607,577 Non-controlling interest 3 2 4 3 3 Additional tier1 capital 6,000 6,000 Share capital 3,069 3,069 3,069 3,069 3,069 Share premium 8,758 8,758 8,758 8,758 8,758 Reserves 20,195 16,070 15,118 13,953 15,268 Retained earnings 138,911 138,911 138,922 149,845 149,835 Profit for the period, attributable to shareholders in Svenska Handelsbanken AB 17,284 11,585 6,357 23,727 17,757 Total equity 194,221 184,395 172,228 199,355 194,690 Total liabilities and equity 3,740,642 3,872,440 3,725,382 3,387,566 3,802,267

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25 Handelsbanken’s Interim Report January-September 2026 Statement of Changes in Equity – Group January - September 2026 SEK m Share capital Share premium Defined benefit plans Cash flow hedges Fair value through other compre- hensive income Insurance contracts Translation of foreign operations Retained earnings incl profit for the year Total Non- controlling interest Additional tier1 capital Total equity Opening balance 3,069 8,758 12,771 238 356 446 142 173,572 199,352 3 199,355 Profit for the period 17,284 17,284 2 52 17,339 Other comprehensive income 1,964 -44 70 -22 4,275 -3 6,240 Total comprehensive income for the period 1,964 -44 70 -22 4,275 17,284 23,527 0 52 23,579 Issued other tier 1 capital -40 -40 6,000 5,960 Dividend to holders of other Tier1 capital -52 -52 Dividend -34,650 -34,650 -34,650 Share-based payments to employees of Handelsbanken Plc 28 28 28 Closing balance 3,069 8,758 14,735 194 425 424 4,416 156,195 188,216 3 6,000 194,221 January – December 2025 SEK m Share capital Share premium Defined benefit plans Cash flow hedges Fair value through other compre- hensive income Insurance contracts Translation of foreign operations Retained earnings incl profit for the year Non- controlling interest Total equity Opening balance 3,069 8,758 12,271 308 369 462 5,249 179,535 6 210,027 Profit for the period 23,727 3 23,729 Other comprehensive income 500 -70 -13 -16 -5,107 -5 -4,711 of which reclassified within equity -10 -10 Total comprehensive income for the period 500 -70 -13 -16 -5,107 23,727 -2 19,018 Reclassified to retained earnings 10 10 Dividend -29,700 -29,700 Share-based payments to employees of Handelsbanken Plc 22 22 Settlement of share-based payment -22 -22 Closing balance 3,069 8,758 12,771 238 356 446 142 173,572 3 199,355 January - September 2025 SEK m Share capital Share premium Defined benefit plans Cash flow hedges Fair value through other compre- hensive income Insurance contracts Translation of foreign operations Retained earnings incl profit for the year Non- controlling interest Total equity Opening balance 3,069 8,758 12,271 308 369 462 5,249 179,535 6 210,027 Profit for the period 17,757 2 17,759 Other comprehensive income 552 -87 18 -66 -3,809 -5 -3,396 Total comprehensive income for the period 552 -87 18 -66 -3,809 17,757 -3 14,363 Dividend -29,700 -29,700 Closing balance 3,069 8,758 12,823 221 387 397 1,440 167,593 3 194,690 Reserves Reserves Reserves Equity attributable to shareholders in Svenska Handelsbanken AB Equity attributable to shareholders in Svenska Handelsbanken AB Equity attributable to shareholders in Svenska Handelsbanken AB

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26 Handelsbanken’s Interim Report January-September 2026 Condensed Statement of Cash Flows – Group Jan-Sep Jan-Dec Jan-Sep SEK m 2026 2025 2025 Operating profit 22,226 30,463 22,933 Adjustment from operating activities to investment activities 43 43 Adjustment for non-cash items in operating profit 2,396 3,518 2,205 Paid income tax -5,474 -7,162 -6,738 Changes in the assets and liabilities of operating activities 87,356 -73,157 124,644 Cash flow from operating activities 106,504 -46,294 143,088 Disposal of portfolios 1,231 1,231 Change in shares -175 -20 -20 Change in tangible assets -455 -530 -431 Change in intangible assets -309 -558 -379 Cash flow from investing activities -939 123 402 Issued other Tier1 capital 6,000 Dividend to holders of other Tier1 capital -52 Dividend paid -34,650 -29,700 -29,700 Cash flow from financing activities -28,702 -29,700 -29,700 Cash and cash equivalents at beginning of the period* 408,155 530,009 530,009 Cash flow for the period 76,863 -75,871 113,790 Exchange rate difference on cash and cash equivalents 32,091 -45,983 -45,551 Cash and cash equivalents at end of the period* 517,108 408,155 598,248 * Cash and cash equivalents are defined as Cash and balances with central banks.

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27 Handelsbanken’s Interim Report January-September 2026 Notes Note 1 Accounting Policies This interim report has been prepared in accordance with IAS 34 Interim Financial Reporting. The consolidated accounts have been prepared in accordance with international financial reporting standards (IFRS®) and interpretations of these standards as adopt ed by the EU. The accounting policies also follow the Swedish Annual Accounts Act for Credit Institutions and Securities Companies (1995:1559), and the regulations and general guidelines issued by the Swedish Financial Supervisory Authority, FFFS 2008:25 A nnual reports in credit institutions and securities companies. RFR 1 Supplementary Accounting Rules for Groups, and statements from the Swedish Corporate Reporting Board, are also applied in the consolidated accounts. The interim report for the parent company has been prepared in accordance with the Swedish Annual Accounts Act for Credit Institutions and Securities Companies, and the regulations and general guidelines issued by the Swedish Financial Supervisory Authority, FFFS 2008:25 Annual reports in credit institutions and securities companies. The parent company also applies the Swedish Corporate Reporting Board’s recommendation RFR 2 Accounting for legal entities, and other statements. Changed accounting policies Amendments to the classification and measurement of financial instruments (IFRS 9 Financial Instruments and IFRS 7 Financial Instruments: Disclosures) Certain amendments to the classification and measurement of financial instruments in IFRS 9 Financial Instruments and IFRS 7 Financial Instruments: Disclosures entered into force on 1 January 2026. The amendments to IFRS 9 primarily entail clarifications to the assessment of whether contractual cash flows in financial assets, which include terms dependent on future events, meet the criteria to constitute solely payments of principal and interest (SPPI criteria). The amendments mainly provide guidance for assessing whether the SPPI criteria are met for loans with ESG - linked features. The amendments to IFRS 7 entail, among other effects, disclosure requirements regarding contractual terms that could change the amount of contractual cash flows on the occurrence (or non-occurrence) of a contingent event that does not relate directly to ch anges in basic lending risks and costs. The Bank will present disclosures in accordance with the amendments in IFRS 7 for the first time in the Annual Report for 2026. The amendments to IFRS 9 also clarify the date of the initial recognition of financial assets and liabilities and the date of derecognition of financial assets and liabilities from the statement of financial position. The amendments also include an optional exemption entailing that financial liabilities settled through an electronic payment system can be derecognised from the statement of financial position before the obligation is extinguished. The amendments have not had a material impact on Handelsbanken’s financial statements, capital adequacy, large exposures or other circumstances according to the applicable regulatory requirements. In other respects, the interim report of the Group and the parent company has been prepared in accordance with the same accounting policies and calculation methods that were applied in the Annual Report for 2025 . Future regulatory changes IFRS 18 Presentation and Disclosure in Financial Statements IFRS 18 Presentation and Disclosure in Financial Statements, which replaces IAS 1 Presentation of Financial Statements, has been published by the IASB, adopted by the EU and will be applied as of the 2027 financial year. The standard sets out new requirements for the presentation and disclosure of information in financial statements with the aim of increasing transparency and improving comparability between companies. The focus of the standard is on ensuring that the primary financial statements provide a relevant and useful structured summary of an entity’s recognised assets, liabilities, income, equity, expenses and cash flows. New requirements are introduced for both the classification of income and expenses in defined categories in the statement of profi t or loss and defined subtotals, as well as more detailed disclosures requirements regarding the aggregation and disaggregation of information in both the primary financial statements and the notes. There are also new requirements for management -defined performance measures. The changes that IFRS 18 will bring about for Handelsbanken are as follows: • The new classification requirements entail that the Group’s statement of profit and loss is to be presented in five categories. Of these categories, operating, investing and financing are new, while income taxes and discontinued operations remain unchanged. The standard includes an exemption meaning that entities with “specified main business activities” are to classify particular types of income and expense items as part of the operating category, instead of the investing or financing categories if these items relate to such categories. Without this exception, such items would need to be classified under the investing or financing categories, which would not provide a fair presentation of operating profit. The Bank has assessed that its business operations include providing financing to customers through lending and investing in assets, both of which constitute “specified main business activities”. In light of this, essentially all income and expenses will be classified into the operating category . • The expanded disclosure requirements for aggregation and disaggregation of financial information do not entail any overall material changes for the presentation of the Group in the primary financial statements. The expanded requirements have primarily required the Bank to enhance the disclosures in its notes, whereby the quantitative information has become more detailed and transparent and a review of the content and presentation of the accounting policies has been carried out. • Management-defined performance measures will be presented in the notes. The new IFRS 18 requirements do not have any material effects on the presentation and disclosure of Handelsbanken’s financial statements. Nor does the standard have any financial impact, as it does not introduce any new valuation principles, but rather focuses on presentation and disclosure in financial statements. Others changes in IFRS None of the other forthcoming changes in the accounting regulations issued for application are assessed to have a material impact on Handelsbanken’s financial statements, capital adequacy, large exposures or other circumstances according to the applicable regulatory requirements.

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28 Handelsbanken’s Interim Report January-September 2026 Note 2 Net interest income Included on the Derivative instruments rows is net interest income which relates to assets and liabilities that are hedged. T hese can have either a positive or a negative impact on interest income and interest expenses . Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Loans to credit institutions and central banks 4,490 4,519 -1% 6,239 -28% 12,940 20,602 -37% 25,109 Loans to the public 21,574 20,906 3% 21,732 -1% 62,549 67,533 -7% 88,247 Interest-bearing securities eligible as collateral with central banks 1,396 1,130 24% 1,170 19% 3,640 4,051 -10% 5,103 Bonds and other interest-bearing securities 602 629 -4% 536 12% 1,809 1,790 1% 2,356 Derivative instruments 3,063 2,661 15% 2,767 11% 7,911 9,120 -13% 11,663 83 94 -12% 93 -11% 256 321 -20% 418 31,207 29,938 4% 32,536 -4% 89,105 103,416 -14% 132,897 -152 -263 -42% -366 -58% -728 -1,323 -45% -1,503 31,056 29,674 5% 32,170 -3% 88,377 102,093 -13% 131,394 26,732 25,984 3% 28,697 -7% 77,062 91,312 -16% 117,242 Due to credit institutions and central banks -1,333 -1,154 16% -1,462 -9% -3,287 -4,708 -30% -5,520 Deposits and borrowing from the public -6,023 -5,656 6% -6,445 -7% -16,599 -21,826 -24% -27,087 Issued securities -11,187 -10,677 5% -11,265 -1% -32,081 -34,480 -7% -45,433 Derivative instruments -2,169 -1,931 12% -2,284 -5% -5,593 -8,005 -30% -9,849 Subordinated liabilities -395 -383 3% -393 1% -1,150 -1,195 -4% -1,581 Deposit guarantee fee -77 -77 0% -62 24% -232 -187 24% -304 -117 -128 -9% -96 22% -390 -474 -18% -592 -21,301 -20,007 6% -22,007 -3% -59,332 -70,875 -16% -90,367 296 340 -13% 415 -29% 1,030 1,684 -39% 2,014 -21,005 -19,667 7% -21,592 -3% -58,302 -69,191 -16% -88,353 -19,413 -18,247 6% -20,307 -4% -54,074 -65,119 -17% -82,920 10,051 10,008 0% 10,578 -5% 30,075 32,902 -9% 43,041Net interest income of which interest income according to the effective interest method and interest on derivatives in hedge accounting Deduction of interest expense reported in Net gains/losses on financial transactions Total interest expense of which interest expense according to the effective interest method and interest on derivatives in hedge accounting Other interest expenses Total Interest income Interest expense Total Other interest income Deduction of interest income reported in Net gains/losses on financial transactions Total interest income

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29 Handelsbanken’s Interim Report January-September 2026 Note 3 Net fee and commission income Net fee and commission income per business segment Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Brokerage and other securities commissions 127 155 -18% 118 8% 448 372 20% 517 Mutual funds 1,663 1,564 6% 1,496 11% 4,719 4,356 8% 5,893 Custody and other asset management fees 467 381 23% 332 41% 1,228 944 30% 1,294 Advisory services 37 51 -27% 33 12% 198 113 75% 180 Insurance 232 221 5% 202 15% 661 601 10% 813 Payments 891 868 3% 738 21% 2,576 2,165 19% 2,906 Loans and deposits 213 213 0% 218 -2% 629 664 -5% 889 Guarantees 35 35 0% 41 -15% 109 132 -17% 173 Other commission income 45 48 -6% 191 -76% 145 565 -74% 768 Total fee and commission income 3,709 3,537 5% 3,369 10% 10,713 9,912 8% 13,434 Securities -57 -61 -7% -58 -2% -178 -167 7% -225 Payments -263 -284 -7% -282 -7% -831 -828 0% -1,123 Other commission expenses -59 -57 4% -51 16% -166 -162 2% -213 Total fee and commission expenses -379 -402 -6% -391 -3% -1,175 -1,157 2% -1,562 Net fee and commission income 3,330 3,135 6% 2,978 12% 9,538 8,755 9% 11,872 January - September 2026 SEK m Sweden UK Norway Nether- lands Markets Other Adj. & elim. Brokerage and other securities commissions 165 3 15 12 271 6 -24 448 Mutual funds 4,189 286 187 48 9 4,719 Custody and other asset management fees 924 26 153 107 1 18 -1 1,228 Advisory services 41 0 151 8 -2 198 Insurance 620 1 39 1 661 Payments 2,093 237 247 1 0 -2 2,576 Loans and deposits 421 105 78 10 4 15 -4 629 Guarantees 52 11 21 1 25 -1 109 Other commission income 131 3 5 1 230 1 -226 145 Total fee and commission income 8,596 712 744 179 657 80 -255 10,713 Total fee and commission expenses -1,082 -72 -104 -19 -123 -29 255 -1,175 Net fee and commission income 7,514 640 640 160 533 51 9,538 of which Net card comissions 676 48 80 -10 794 January - September 2025 SEK m Sweden UK Norway Nether- lands Markets Other Adj. & elim. Brokerage and other securities commissions 142 9 8 8 214 6 -15 372 Mutual funds 3,898 252 154 42 9 1 4,356 Custody and other asset management fees 699 27 118 83 1 18 -2 944 Advisory services 39 0 82 2 -10 113 Insurance 569 1 31 0 601 Payments 1,687 240 228 1 0 10 2,165 Loans and deposits 447 110 62 9 2 37 -2 664 Guarantees 63 11 25 1 34 -2 132 Other commission income 549 3 5 1 228 2 -223 565 Total fee and commission income 8,054 690 630 143 527 118 -250 9,912 Total fee and commission expenses -1,076 -60 -106 -12 -101 -53 250 -1,157 Net fee and commission income 6,978 630 524 132 427 65 8,755 of which Net card comissions 648 49 72 -15 755 Home markets Home markets Total Total

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30 Handelsbanken’s Interim Report January-September 2026 Note 4 Net gains/losses on financial transactions Note 5 Net insurance result Note 6 Other expenses Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Amortised cost 133 125 6% 137 -3% 351 271 30% 410 of which loans 48 36 33% 61 -21% 145 39 272% 102 of which interest-bearing securities 0 of which issued securities 85 90 -6% 76 12% 206 233 -12% 311 Fair value through other comprehensive income 0 0 0% 1 0 1 1 of which interest-bearing securities - expected credit losses 0 0 0% 1 -100% 0 1 -100% 1 Fair value through profit or loss, fair value option -1,717 608 -243 -1,629 -158 -525 of which interest-bearing securities -1,717 608 -243 -1,629 -158 -525 Fair value through profit or loss, mandatory including FX effects 2,125 -389 704 202% 2,643 1,159 128% 1,991 of which assets held on behalf of policyholders 2 149 -99% 26 -92% 131 111 18% 152 Hedge accounting -24 -78 69% 0 -56 -152 63% -40 of which net gains/losses on fair value hedges -38 -58 34% 14 -63 -84 25% 5 of which cash flow hedge ineffectiveness 14 -21 -14 7 -68 -45 Total 517 265 95% 599 -14% 1,308 1,121 17% 1,838 Deduction of return on assets held on behalf of policyholders -2 -149 99% -26 92% -131 -111 -18% -152 Net gains/losses on financial transactions 515 116 344% 573 -10% 1,178 1,010 17% 1,686 Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Insurance revenue 282 279 1% 280 1% 877 874 0% 1,156 Insurance service expenses -231 -211 9% -218 6% -712 -727 -2% -955 Insurance service result 51 68 -25% 62 -18% 165 147 12% 201 Result from reinsurance contracts held 10 Financial income and expenses from insurance contracts -18 -22 -18% -16 13% -58 -54 7% -73 Insurance result 34 45 -24% 45 -24% 107 93 15% 137 Return on assets held on behalf of policyholders 3 149 -98% 26 -88% 131 111 18% 152 Net insurance result 35 196 -82% 71 -51% 237 204 16% 289 Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 IT related expenses -833 -868 -4% -794 5% -2,551 -2,562 0% -3,465 Purchased services -347 -399 -13% -380 -9% -1,108 -1,239 -11% -1,673 Property and premises -179 -185 -3% -181 -1% -553 -554 0% -736 Telephone and postage -65 -63 3% -65 0% -198 -210 -6% -278 Travel and entertainment -36 -53 -32% -30 20% -128 -116 10% -182 Marketing -31 -35 -11% -21 48% -89 -83 7% -112 Supplies -34 -32 6% -28 21% -99 -90 10% -123 Other -121 -160 -24% -132 -8% -441 -501 -12% -697 Total -1,645 -1,795 -8% -1,631 1% -5,166 -5,356 -4% -7,266 Deduction of other expenses attributable to insurance contracts 10 10 0% 9 11% 28 28 0% 41 Deduction of other expenses capitalised as intangible assets 51 29 76% 28 82% 121 118 3% 195 Total Other Expenses -1,584 -1,756 -10% -1,594 -1% -5,017 -5,209 -4% -7,031

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31 Handelsbanken’s Interim Report January-September 2026 Note 7 Net credit losses Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Expected credit losses on balance sheet items The period's provision Stage 3 -34 -50 -32% -75 -55% -171 -212 -19% -340 Reversal of Stage 3 provisions previous years 17 37 -54% 79 -78% 121 162 -25% 194 Total expected credit losses Stage 3 -18 -12 50% 3 -50 -51 -2% -146 The period's net provision Stage 2 -2 -5 -60% 13 -10 156 161 The period's net provision Stage 1 1 -1 9 -89% -9 40 48 Total expected credit losses in Stage 1 and Stage 2 -1 -6 -83% 22 -19 196 209 Total expected credit losses on balance sheet items -20 -18 11% 25 -70 145 63 Expected credit lossses on off-balance sheet items The period's net provision Stage 3 -1 1 -2 -50% 4 7 -43% 8 The period's net provision Stage 2 2 0 1 100% 2 60 -97% 61 The period's net provision Stage 1 1 -1 -1 -1 6 7 Total expected credit losses on off-balance sheet items 4 -2 -2 6 73 -92% 76 Write-offs Actual credit losses for the period -69 -45 53% -52 33% -199 -203 -2% -253 Utilised share of previous provision Stage 3 59 22 168% 25 136% 144 136 6% 169 Total write-offs -10 -23 -57% -27 -63% -55 -67 -18% -84 Recoveries 21 13 62% 24 -13% 49 127 -61% 153 Net credit losses -5 -30 -83% 19 -70 278 208 of which loans to the public -9 -27 -67% 21 -73 204 132 Q3 Q2 Q1 Q4 Q3 SEK m 2026 2026 2026 2025 2025 1) Expected credit losses Stage 3 on and off balance sheet -18 -12 -16 -94 1 Change in model-based provision Stage 1 and Stage 2: Update of macroeconomic scenarios and risk factors 3 0 -15 -2 -6 Change in probablity of default in portfolio at beginning of quarter (net rating changes) -13 -22 -10 -4 -1 Effects of changes in exposures (existing, new and terminated exposures) -2 2 1 11 6 Other in Stage 1 and Stage 2 13 12 12 11 22 2) Expected credit losses in Stage 1 and Stage 2 on and off balance sheet 2 -7 -13 15 22 3) Write-offs -10 -23 -22 -17 -27 4) Recoveries 21 13 15 26 24 Net credit losses (1+2+3+4) -5 -30 -35 -70 19

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32 Handelsbanken’s Interim Report January-September 2026 The total provision requirement in Stage 1 and Stage 2 was largely unchanged during the third quarter. As was the case in the second quarter, the provision consists solely of a model-based provision which is affected by aspects including macroeconomic risk factors and customer migration. The Bank is carefully monitoring the geopolitical situation to assess whether there is any need for an expert-based provision, which there was not for this quarter. In all future quarters, an assessment will be made as to whether an expert-based provision is needed. If such a need is identified, an expert-based provision will be applied. As regards the model-based provision, the selection of macroeconomic risk factors upon which the model is based is unchanged since the previous quarter. Updated assumptions for macroeconomic risk factors have led to an overall SEK 3m decrease in the provision requirement during the quarter. Negative rating changes increased the provision requirement by SEK 13m. This was partly offset by other factors, such as maturity effects, which lowered the provision requirement by a total of SEK 13m. The impairment testing process for agreements in Stage 3 has not been changed, and the customary procedure with individual as sessment has continued. Loans to the public – Key metrics For definitions, please see the Fact Book which is available at handelsbanken.com/ir. Sensitivity analysis and macroeconomic forecast in ECL calculations The table below shows the percentage increase and decrease, respectively, to the provision for expected credit losses in Stage 1 and Stage 2 as at 30 September 2026, if the downturn and upturn scenarios are assigned probabilities of 100%. The effect of assigning a probability of 100% to the severe downturn scenario for the UK is not included in the total. % 30 Sep 2026 30 Jun 2026 31 Mar 2026 31 Dec 2025 30 Sep 2025 Credit loss ratio, YTD 0.00 0.01 0.01 -0.01 -0.01 Total credit loss reserve ratio 0.05 0.05 0.05 0.05 0.05 Credit loss reserve ratio Stage 1 0.01 0.01 0.01 0.01 0.01 Credit loss reserve ratio Stage 2 0.28 0.27 0.28 0.27 0.26 Credit loss reserve ratio Stage 3 12.40 12.18 12.28 12.49 10.67 Proportion of loans Stage 3 0.24 0.26 0.26 0.27 0.30 % Sweden 22.22 -10.21 24.74 -10.35 UK 35.85 -16.23 23.97 -30.33 35.26 29.61 Norway 24.41 -10.90 32.47 -12.22 Finland 20.60 -8.99 24.38 -11.13 The Netherlands 29.64 -14.01 32.50 -17.80 United States 47.85 -16.05 59.84 -23.07 Other countries 15.23 -6.79 18.90 -7.42 Total 26.31 -11.94 25.58 -17.27 UK, severe downturn scenario 30 September 2026 31 December 2025 Increase in the provision in a negative scenario Decrease in the provision in a positive scenario Increase in the provision in a negative scenario Decrease in the provision in a positive scenario

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33 Handelsbanken’s Interim Report January-September 2026 The calculation of expected credit losses applies forward-looking information in the form of macroeconomic scenarios. The expected credit loss is a probability-weighted average of the calculated forecasts. Three scenarios are applied for exposures outside the UK. The forecast in the base case scenario is assigned a weight of 70% (70), while an upturn in the economy is assigned 15% (15), and a downturn 15% (15). For exposures in the UK, a fourth, more severe downturn scenario is also applied. The probability weighting for severe downturn/downturn/base case/upturn scenarios for the UK is 5%/15%/65%/15% (5/35/50/10). These scenarios and weightings have formed the basis for the calculation of expected credit losses in Stage 1 and Stage 2 as at 30 September 2026. 2026 2027 2028 2026 2027 2028 2026 2027 2028 Sweden 2.65 -2.12 -1.66 2.65 2.38 1.84 2.65 3.38 2.84 UK 1.14 -2.51 -1.56 1.14 1.19 1.44 1.14 2.19 2.44 UK, severe downturn scenario 1.14 -3.51 -3.06 Norway 0.88 -3.11 -2.37 0.88 1.09 1.13 0.88 2.09 2.13 Finland 1.10 -3.30 -2.10 1.10 1.20 1.40 1.10 2.20 2.40 Euro area 0.81 -3.07 -2.18 0.81 1.23 1.32 0.81 2.23 2.32 United States 2.15 -2.28 -1.60 2.15 2.22 1.90 2.15 3.22 2.90 Sweden 2.00 4.75 4.75 2.00 2.25 2.25 2.00 1.50 1.50 UK 4.00 6.25 6.00 4.00 3.75 3.50 4.00 3.00 2.25 UK, severe downturn scenario 4.00 0.25 0.25 Norway 4.50 6.75 6.50 4.50 4.25 4.00 4.50 3.50 2.75 Finland 2.50 4.75 4.75 2.50 2.25 2.25 2.50 1.50 1.50 Euro area 2.50 4.75 4.75 2.50 2.25 2.25 2.50 1.50 1.50 United States 4.13 6.63 6.38 4.13 4.13 3.88 4.13 3.38 2.63 Sweden 8.60 9.43 10.33 8.60 8.03 7.53 8.60 7.63 6.83 UK 5.11 6.75 7.94 5.11 5.35 5.24 5.11 4.65 4.54 UK, severe downturn scenario 5.11 7.65 9.24 Norway 2.13 3.68 5.05 2.13 2.28 2.35 2.13 1.58 1.65 Finland 10.30 11.20 12.20 10.30 9.80 9.40 10.30 9.10 8.70 Euro area 6.38 7.78 8.83 6.38 6.38 6.13 6.38 5.68 5.43 United States 4.22 5.47 6.82 4.22 4.07 4.02 4.22 3.37 3.32 Sweden 3.70 -7.36 -4.14 3.70 5.60 4.40 3.70 10.72 8.87 UK 0.71 -4.98 -7.17 0.71 2.00 1.47 0.71 5.29 5.60 UK, severe downturn scenario 0.71 -8.98 -14.57 Norway 2.91 -3.59 -3.59 2.91 4.10 0.55 2.91 8.41 3.16 Finland -1.97 -1.41 -3.22 -1.97 1.19 3.59 -1.97 5.56 7.26 Euro area 3.63 3.06 2.32 3.63 3.56 3.02 3.63 3.96 3.32 Sweden -3.30 -17.55 -10.42 -3.30 3.92 4.63 -3.30 8.49 7.35 UK 0.07 -11.57 -16.02 0.07 1.06 0.58 0.07 7.11 7.80 UK, severe downturn scenario 0.07 -16.33 -27.77 Norway -1.90 -18.45 -8.00 -1.90 2.52 3.16 -1.90 7.99 5.87 Finland -3.65 -8.79 -7.34 -3.65 1.75 3.03 -3.65 6.33 7.12 Euro area -1.73 -3.63 -5.25 -1.73 2.64 2.15 -1.73 4.92 4.51 Commercial real estate, value change % Residential real estate, value change % Unemployment rate, % GDP growth, % Policy interest rate, % Macroeconomic risk factor Downturn scenario Base case scenario Upturn scenario

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34 Handelsbanken’s Interim Report January-September 2026 Note 8 Regulatory fees * On 6 May 2026, the Riksbank (Sweden’s central bank) made another decision on interest-free deposits from Swedish banks and other credit institutions with operations in Sweden. The interest-free deposits that the Handelsbanken Group has made with the Riksbank in accordance with this decision amount to SEK 6,951m, which entails a decrease of SEK 1,442m, compared with the 2025 decision on interest-free deposits. The interest income lost due to the regulatory requirement that the Bank make interest-free deposits with the Riksbank is recognised as a regulatory fee on the date that payment is made to the Riksbank. The interest-free loan to the Riksbank is recognised as a zero-coupon instrument at amortised cost in the balance sheet item Other loans to central banks. The initial discount is amortised over the term and recognised in the income statement under the item Interest income. Note 9 Loans During previous periods, the assets in the table below also included the disposal group in Finland, which was previously reclassified in the balance sheet to Assets held for sale. Loans and interest -bearing securities that are subject to impairment testing, net Loans and interest -bearing securities that are subject to impairment testing, divided into stages Loans to the public that are subject to impairment testing, divided into stages Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Risk tax -407 -407 0% -400 2% -1,221 -1,200 2% -1,596 Resolution Fee -268 -245 9% -291 -8% -804 -874 -8% -1,174 Cost for interest-free deposit at the Riksbank* -123 -123 -98 Bank of England Levy -17 -14 21% -15 13% -44 -42 5% -56 Total -691 -788 -12% -706 -2% -2,191 -2,116 4% -2,924 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep SEK m 2026 2026 2026 2025 2025 Cash and balances with central banks 517,107 578,352 535,673 408,150 598,243 Other loans to central banks 10,269 23,699 37,438 24,526 36,466 of which reverse repurchase agreements 6,003 Interest-bearing securities eligible as collateral with central banks 13 13 12 Loans to other credit institutions 32,826 28,652 21,436 21,711 28,773 of which reverse repurchase agreements 24,506 22,602 12,327 13,446 18,671 Loans to the public 2,393,051 2,346,528 2,333,447 2,307,191 2,338,206 of which reverse repurchase agreements 31,945 26,765 24,815 18,128 28,385 Bonds and interest-bearing securities 8,764 7,978 7,043 9,056 11,417 Total 2,962,029 2,985,221 2,935,049 2,770,633 3,013,105 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep SEK m 2026 2026 2026 2025 2025 Volume, gross 2,963,165 2,986,380 2,936,210 2,771,819 3,014,258 of which Stage 1 2,897,452 2,921,253 2,875,026 2,709,181 2,946,020 of which Stage 2 59,125 58,166 54,198 55,448 60,287 of which Stage 3 6,588 6,961 6,986 7,190 7,951 Provisions -1,138 -1,161 -1,163 -1,187 -1,155 of which Stage 1 -157 -154 -152 -141 -151 of which Stage 2 -164 -159 -153 -149 -156 of which Stage 3 -817 -848 -858 -898 -848 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep SEK m 2026 2026 2026 2025 2025 Volume, gross 2,394,186 2,347,688 2,334,607 2,308,377 2,339,358 of which Stage 1 2,328,473 2,282,561 2,273,423 2,245,739 2,271,120 of which Stage 2 59,125 58,166 54,198 55,448 60,287 of which Stage 3 6,588 6,961 6,986 7,190 7,951 Provisions -1,136 -1,159 -1,161 -1,186 -1,153 of which Stage 1 -155 -152 -150 -139 -149 of which Stage 2 -164 -159 -153 -149 -156 of which Stage 3 -817 -848 -858 -898 -848

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35 Handelsbanken’s Interim Report January-September 2026 Change in the provision for expected credit losses – Loans and interest -bearing securities Change in the provision for expected credit losses – Loans to the public The change analysis shows the net effect on the provision for the stage in question for each explanatory item during the period. The impact of reversals and write -offs is calculated on the opening balance. The effect of revaluations arising as a result of changes due to updates in the methodology for estimation, foreign exchange effects, etc., is calculated before any transfer of net amounts between stages. Purchased or originated assets and amounts transferred between stages are recognised after the effect s of other explanatory items are taken into account. The transfer rows present the effect on the provision for the stated stage . 30 September 2026 SEK m Stage 1 Stage 2 Stage 3 Total Provision at beginning of year -141 -149 -898 -1,187 Derecognised assets 11 21 54 86 Write-offs 0 0 143 144 Remeasurements due to changes in credit risk -111 0 -44 -154 Changes due to update in the methodology for estimation -3 -6 -9 Foreign exchange effect, etc -11 -4 -23 -38 Purchased or originated assets -19 -4 0 -22 Transfer to Stage 1 -9 9 0 0 Transfer to Stage 2 70 -77 5 -1 Transfer to Stage 3 55 45 -55 45 Provision at end of period -157 -164 -817 -1,138 31 December 2025 SEK m Stage 1 Stage 2 Stage 3 Total Provision at beginning of year -213 -331 -1,071 -1,614 Derecognised assets 35 76 195 307 Write-offs 0 0 168 169 Remeasurements due to changes in credit risk -45 71 -86 -60 Changes due to update in the methodology for estimation Foreign exchange effect, etc 11 8 24 43 Purchased or originated assets -18 -5 -5 -27 Transfer to Stage 1 -11 10 1 0 Transfer to Stage 2 50 -60 1 -8 Transfer to Stage 3 49 81 -127 3 Provision at end of period -141 -149 -898 -1,187 30 September 2026 SEK m Stage 1 Stage 2 Stage 3 Total Provision at beginning of year -139 -149 -898 -1,186 Derecognised assets 11 21 54 86 Write-offs 0 0 143 144 Remeasurements due to changes in credit risk -111 0 -44 -154 Changes due to update in the methodology for estimation -3 -6 -9 Foreign exchange effect, etc -11 -4 -23 -38 Purchased or originated assets -19 -4 0 -22 Transfer to Stage 1 -9 9 0 0 Transfer to Stage 2 70 -77 5 -1 Transfer to Stage 3 55 45 -55 45 Provision at end of period -155 -164 -817 -1,136 31 December 2025 SEK m Stage 1 Stage 2 Stage 3 Total Provision at beginning of year -210 -328 -1,071 -1,608 Derecognised assets 35 76 195 307 Write-offs 0 0 168 169 Remeasurements due to changes in credit risk -46 68 -86 -64 Changes due to update in the methodology for estimation Foreign exchange effect, etc 11 8 24 43 Purchased or originated assets -18 -5 -5 -27 Transfer to Stage 1 -11 10 1 0 Transfer to Stage 2 50 -60 1 -8 Transfer to Stage 3 49 81 -127 3 Provision at end of period -139 -149 -898 -1,186

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36 Handelsbanken’s Interim Report January-September 2026 Loans to the public – by sector 30 September 2026 Gross Provisions Net SEK m Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Private individuals 1,169,618 23,199 3,976 -35 -53 -422 1,196,283 of which mortgage loans 1,013,398 19,077 2,214 -21 -35 -77 1,034,556 of which other loans with property 134,615 3,331 1,115 -6 -6 -127 138,922 of which other loans to private 21,605 791 647 -8 -12 -218 22,805 Housing co-operative associations 250,818 4,836 45 -1 -1 -6 255,691 of which mortgage loans 244,944 4,172 44 0 0 -6 249,154 Property management 728,712 25,316 1,826 -77 -71 -153 755,553 Manufacturing 28,198 931 33 -5 -3 -20 29,134 Retail 20,810 1,555 77 -5 -7 -47 22,383 Hotel and restaurant 7,687 618 268 -4 -4 -18 8,547 Passenger and goods transport by sea 628 7 0 0 0 0 635 Other transport and communication 6,638 75 17 -2 -1 -13 6,714 Construction 14,905 1,085 87 -6 -9 -52 16,010 Electricity, gas and water 5,953 12 9 -1 0 -6 5,967 Agriculture, hunting and forestry 24,105 641 78 -4 -5 -7 24,808 Other services 15,719 503 82 -8 -6 -21 16,269 Holding, investment and insurance Comp., funds etc. 17,185 155 28 -5 -2 -2 17,359 Government and municipalities 1,419 33 0 0 1,452 of which Swedish national debt office 332 332 Other corporate lending 36,078 159 62 -2 -2 -50 36,245 Total 2,328,473 59,125 6,588 -155 -164 -817 2,393,051 31 December 2025 Gross Provisions Net SEK m Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Private individuals 1,131,205 23,943 4,216 -31 -48 -482 1,158,803 of which mortgage loans 990,509 20,170 2,424 -16 -27 -87 1,012,973 of which other loans with property 120,669 3,066 1,170 -4 -6 -136 124,759 of which other loans to private 20,027 707 622 -11 -15 -259 21,071 Housing co-operative associations 253,122 8,859 324 -1 -5 -12 262,287 of which mortgage loans 247,325 7,129 60 0 -3 -9 254,502 Property management 682,241 16,542 1,809 -69 -58 -116 700,349 Manufacturing 32,900 1,788 52 -5 -3 -18 34,714 Retail 19,564 1,341 87 -5 -5 -57 20,925 Hotel and restaurant 6,351 633 127 -5 -4 -18 7,084 Passenger and goods transport by sea 414 5 0 0 0 0 419 Other transport and communication 5,015 102 24 -2 -1 -16 5,122 Construction 15,575 785 186 -6 -5 -113 16,422 Electricity, gas and water 6,527 11 11 -1 0 -7 6,541 Agriculture, hunting and forestry 21,924 613 87 -4 -5 -3 22,612 Other services 13,550 534 69 -6 -5 -13 14,129 Holding, investment and insurance Comp., funds etc. 18,561 180 11 -3 -2 -1 18,746 Government and municipalities 14,305 32 0 0 14,337 of which Swedish national debt office 13,422 13,422 Other corporate lending 24,485 80 187 -1 -8 -42 24,701 Total 2,245,739 55,448 7,190 -139 -149 -898 2,307,191

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37 Handelsbanken’s Interim Report January-September 2026 Specification of Loans to the public – Property management 30 September 2026 Gross Provisions Net SEK m Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Loans in Sweden State-owned property companies 12,237 0 12,237 Municipal-owned property companies 9,033 14 0 0 9,047 Residential property companies 151,680 2,484 303 -3 -7 -8 154,449 of which mortgage loans 146,422 2,388 287 -3 -7 -7 149,080 Other property management 154,715 5,268 189 -6 -16 -39 160,111 of which mortgage loans 88,894 1,021 92 -2 -4 -32 89,969 Total loans in Sweden 327,665 7,766 492 -9 -23 -47 335,844 Loans outside Sweden UK 163,699 4,568 748 -55 -22 -4 168,934 Norway 132,610 2,670 127 -11 -3 -56 135,337 The Netherlands 81,572 707 -1 0 82,278 Other countries 23,166 9,605 459 -1 -23 -46 33,160 Total loans outside Sweden 401,047 17,550 1,334 -68 -48 -106 419,709 Total loans - Property management 728,712 25,316 1,826 -77 -71 -153 755,553 31 December 2025 Gross Provisions Net SEK m Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Loans in Sweden State-owned property companies 12,238 0 12,238 Municipal-owned property companies 9,488 88 0 0 9,576 Residential property companies 150,482 3,189 194 -4 -8 -19 153,834 of which mortgage loans 144,984 3,123 168 -4 -7 -14 148,250 Other property management 154,312 2,078 280 -5 -5 -15 156,645 of which mortgage loans 92,257 1,233 196 -2 -4 -11 93,669 Total loans in Sweden 326,520 5,355 474 -9 -13 -34 332,293 Loans outside Sweden UK 142,670 4,488 852 -48 -31 -3 147,928 Norway 116,086 985 192 -10 -2 -12 117,239 The Netherlands 72,573 814 -1 0 73,386 Other countries 24,392 4,900 291 -1 -12 -67 29,503 Total loans outside Sweden 355,721 11,187 1,335 -60 -45 -82 368,056 Total loans - Property management 682,241 16,542 1,809 -69 -58 -116 700,349

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38 Handelsbanken’s Interim Report January-September 2026 Specification of Loans to the public – Property management: Type of collateral & country Loans to the public – Property management: Commercial properties LTV per country Loan to value (LTV) shows lending in relation to the market value of the collateral. Average LTV refers to a weighted average maximum LTV per property. The division into ranges follows an allocation method that can be described using the following feasible example: a credit with a loan-to-value ratio of 60% is divided up in such a way that two-thirds of the volume is reported under the line item LTV 0-40%, while the remaining third is reported under the line item LTV 41-60%. 30 September 2026 The Nether- SEK m, gross Sweden UK Norway Finland lands Total Government guarantees 14,300 3,020 25,724 43,044 Residential 180,640 74,572 17,119 5,086 20,900 298,317 Office, retail, hotel 93,882 61,001 79,149 568 20,835 255,435 Other real estate 12,540 569 9,778 110 38,452 61,449 Industry, logistics 18,165 23,784 10,958 370 1,460 54,737 Agriculture, forestry 1,279 1,101 30 2,410 Other collateral 1,104 211 1 120 69 1,505 Unsecured 14,013 7,777 15,134 237 555 37,716 Undeveloped 218 63 8 289 Total 335,923 169,015 135,407 32,278 82,279 754,902 31 December 2025 The Nether- SEK m, gross Sweden UK Norway Finland lands Total Government guarantees 16,565 4,340 23,741 44,646 Residential 179,490 68,168 15,341 2,961 16,746 282,706 Office, retail, hotel 90,711 53,633 70,188 851 17,514 232,897 Other real estate 12,223 456 8,025 121 37,443 58,268 Industry, logistics 17,708 19,149 9,081 695 1,189 47,822 Agriculture, forestry 1,349 863 37 2,249 Other collateral 1,152 179 15 124 109 1,579 Unsecured 13,151 5,562 10,224 120 386 29,443 Undeveloped 12 89 101 Total 332,349 148,010 117,263 28,702 73,387 699,711 30 September 2026 The Nether- LTV, % Sweden UK Norway Finland lands Total 0-40 84.6 86.3 79.1 85.4 88.4 83.8 41-60 14.9 13.4 19.1 11.3 10.9 15.4 61-75 0.5 0.2 1.3 2.3 0.4 0.7 >75 0.0 0.1 0.5 1.0 0.3 0.2 Average LTV 45.3 43.7 50.9 43.6 44.3 46.5 31 December 2025 The Nether- LTV, % Sweden UK Norway Finland lands Total 0-40 84.1 88.2 78.4 83.3 87.4 83.8 41-60 15.3 11.5 19.2 14.0 11.8 15.2 61-75 0.5 0.2 1.7 1.6 0.7 0.8 >75 0.1 0.1 0.6 1.1 0.1 0.3 Average LTV 45.5 42.1 51.3 46.4 44.8 46.3

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39 Handelsbanken’s Interim Report January-September 2026 Loans to the public – Property management: Residential properties LTV per country Loan to value (LTV) shows lending in relation to the market value of the collateral. Average LTV refers to a weighted average maximum LTV per property. The division into ranges follows an allocation method that can be described using the following feasible example: a credit with a loan-to-value ratio of 60% is divided up in such a way that two-thirds of the volume is reported under the line item LTV 0-40%, while the remaining third is reported under the line item LTV 41-60%. 30 September 2026 The Nether- LTV, % Sweden UK Norway Finland lands Total 0-40 81.1 86.0 78.8 75.2 86.1 82.7 41-60 16.9 13.8 19.4 16.8 13.1 15.8 61-75 1.8 0.2 1.3 5.3 0.6 1.3 >75 0.2 0.0 0.5 2.7 0.2 0.2 Average LTV 48.6 44.9 50.9 54.3 45.7 47.6 31 December 2025 The Nether- LTV, % Sweden UK Norway Finland lands Total 0-40 80.6 86.5 78.2 78.7 85.4 82.4 41-60 17.4 13.2 19.9 10.3 14.0 16.0 61-75 1.9 0.2 1.3 3.3 0.5 1.3 >75 0.1 0.1 0.6 7.6 0.1 0.3 Average LTV 49.0 44.4 51.2 56.8 46.3 47.9

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40 Handelsbanken’s Interim Report January-September 2026 Note 10 Credit risk exposure *Refers to the sum total of positive market values. During previous periods, the items in the table above also included the disposal group in Finland, which was previously reclassified in the balance sheet to Assets held for sale. Note 11 Derivatives In this note, derivative contracts are presented on a gross basis. Amounts offset on the balance sheet consist of the offset market value of contracts for which there is a legal right and intention to settle contractual cash flows net (including cleared co ntracts). These contracts are presented on a net basis on the balance sheet per counterparty and currency . 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep SEK m 2026 2026 2026 2025 2025 Cash and balances with central banks 517,108 578,352 535,676 408,155 598,248 Other loans to central banks 10,269 23,699 37,438 24,526 36,466 of which reverse repurchase agreements 6,003 Interest-bearing securities eligible as collateral with central banks 243,081 369,389 305,859 188,272 330,416 Loans to other credit institutions 32,826 28,652 21,436 21,711 28,773 of which reverse repurchase agreements 24,506 22,602 12,327 13,446 18,671 Loans to the public 2,393,051 2,346,528 2,333,447 2,307,191 2,338,206 of which reverse repurchase agreements 31,945 26,765 24,815 18,128 28,385 Bonds and other interest-bearing securities 60,947 62,120 65,409 53,631 57,523 Derivative instruments* 33,817 34,031 26,264 21,752 22,253 Contingent liabilities 42,695 41,585 42,105 40,474 44,799 Commitments 511,817 505,883 476,686 466,388 438,141 Total 3,845,611 3,990,239 3,844,320 3,532,100 3,894,823 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep SEK m 2026 2026 2026 2025 2025 Positive market values Trading 49,857 40,882 35,952 25,340 27,021 Fair value hedges 10,134 11,812 12,526 14,000 15,805 Cash flow hedges 9,742 11,356 11,122 15,027 14,985 Amounts offset -35,916 -30,019 -33,336 -32,615 -35,558 Total 33,817 34,031 26,264 21,752 22,253 Negative market values Trading 35,485 28,630 31,496 36,315 35,298 Fair value hedges 14,057 6,725 10,019 7,206 7,787 Cash flow hedges 6,245 3,888 6,622 5,690 5,387 Amounts offset -32,658 -22,721 -26,140 -22,999 -24,976 Total 23,129 16,522 21,997 26,211 23,496 Nominal amounts Trading 3,950,241 4,032,668 4,255,761 4,102,427 3,706,256 Fair value hedges 719,279 702,554 710,900 679,630 683,803 Cash flow hedges 271,637 263,548 283,193 292,287 295,249 Amounts offset -2,617,868 -2,505,331 -2,459,856 -2,332,268 -2,300,573 Total 2,323,289 2,493,439 2,789,998 2,742,074 2,384,735

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41 Handelsbanken’s Interim Report January-September 2026 Note 12 Offsetting of financial instruments Derivative instruments are offset on the balance sheet when doing so reflects the Bank’s expected cash flows upon the settlement of two or more derivatives. Repurchase agreements and reverse repurchase agreements with central counterparty clearing houses are offset on the balance sheet when doing so reflects the Bank’s expected cash flows upon the settlement of two or more agreements. This occurs when the Bank has both a contractual right and the intention to settle the agreed cash flows at a net amount. The remaining counterparty risk in derivatives is reduced through netting agreements in the event of cancelled payment, i.e. the netting of positive and negative values in all derivative transactions with one and the same counterparty in the case of bankruptcy. The Bank’s policy is to sign netting agreements with all bank counterparties. These netting agreements are supplemented with agreements on the pledging of collateral for the net exposure. Cash is primarily pledged as collateral, although government instruments are also used in some cases. Collateral for repurchase agreements and for the depositing and lending of securities is, as a rule, in the form of cash or other securities. The amount offset for derivative assets includes offset cash collateral of SEK 5,708m (9,987) derived from the balance sheet item Deposits and borrowing from the public. The amount set off for derivative liabilities includes offset cash collateral of SEK 2,450m (371), derived from the balance sheet item Loans to the public . 30 September 2026 SEK m Derivatives Total Assets 69,733 60,226 1,855 131,814 -35,916 -3,775 -39,691 33,817 56,451 1,855 92,123 -7,352 -7,352 -21,660 -56,404 -1,855 -79,919 -29,012 -56,404 -1,855 -87,271 4,805 47 4,852 Liability 55,787 8,164 63,951 -32,658 -3,775 -36,433 23,129 4,389 27,518 -7,795 -7,795 -5,642 -4,385 -10,027 -13,437 -4,385 -17,822 9,692 4 9,696 31 December 2025 SEK m Derivatives Total Assets 54,367 32,369 1,014 87,750 -32,615 -795 -33,410 21,752 31,574 1,014 54,340 -7,366 -7,366 -12,355 -31,574 -1,014 -44,943 -19,721 -31,574 -1,014 -52,309 2,031 2,031 Liability 49,210 795 50,005 -22,999 -795 -23,794 26,211 26,211 -7,789 -7,789 -11,578 -11,578 -19,367 -19,367 6,844 6,844 borrowing/lending borrowing/lending Reverse repurchase Reverse repurchase Repurchase agreements Repurchase agreements agreements/ Securities agreements/ Securities Amounts offset Financial assets subject to offsetting, enforceable master netting arrangements and similar agreements Gross amount Amounts offset Carrying amount on the balance sheet Related amounts not offset on the balance sheet Financial instruments, netting arrangements Financial assets received as collateral Total amounts not offset on the balance sheet Net amount Financial liabilities subject to offsetting, enforceable master netting arrangements and similar agreements Gross amount Related amounts not offset on the balance sheet Carrying amount on the balance sheet Related amounts not offset on the balance sheet Financial instruments, netting arrangements Financial assets pledged as collateral Total amounts not offset on the balance sheet Net amount Financial assets subject to offsetting, enforceable master netting arrangements and similar agreements Gross amount Amounts offset Carrying amount on the balance sheet Carrying amount on the balance sheet Financial instruments, netting arrangements Financial assets pledged as collateral Total amounts not offset on the balance sheet Net amount Related amounts not offset on the balance sheet Amounts offset Financial instruments, netting arrangements Financial assets received as collateral Total amounts not offset on the balance sheet Net amount Financial liabilities subject to offsetting, enforceable master netting arrangements and similar agreements Gross amount

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42 Handelsbanken’s Interim Report January-September 2026 Note 13 Intangible assets Note 14 Due to credit institutions Note 15 Deposits and borrowing from the public Note 16 Issued securities Jan-Sep Jan-Dec Jan-Sep Jan-Sep Jan-Dec Jan-Sep Jan-Sep Jan-Dec Jan-Sep SEK m 2026 2025 2025 2026 2025 2025 2026 2025 2025 Opening residual value 4,294 4,360 4,360 3,697 4,066 4,066 7,991 8,426 8,426 Additional during the period 309 559 379 309 559 379 The period's amortisation -576 -836 -623 -576 -836 -623 The period's impairments -4 -4 Foreign exchange effect 104 -66 -39 107 -92 -63 211 -158 -102 Closing residual value 4,398 4,294 4,321 3,533 3,697 3,759 7,931 7,991 8,080 Goodwill Other intangible assets Total 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep SEK m 2026 2026 2026 2025 2025 Banks 147,791 190,235 134,240 62,447 155,945 Other credit institutions 2,090 2,576 2,060 2,078 3,832 Due to credit institutions 149,881 192,810 136,300 64,525 159,777 of which repurchase agreements 577 1,208 320 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep SEK m 2026 2026 2026 2025 2025 Households 537,866 536,741 518,374 511,167 510,993 Corporates 602,738 603,315 565,794 562,484 568,674 National Debt Office 1 1 Total deposits 1,140,604 1,140,057 1,084,168 1,073,652 1,079,667 Households 122,976 121,164 118,905 121,033 124,431 Corporates 215,665 202,416 196,101 98,836 193,197 National Debt Office 263 Total borrowing 338,641 323,580 315,006 220,133 317,627 Deposits and borrowing from the public 1,479,245 1,463,636 1,399,174 1,293,784 1,397,295 of which repurchase agreements 3,812 1,735 1,006 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep SEK m 2026 2026 2026 2025 2025 Certificat of Deposit (CD) 225,730 202,482 185,510 179,446 209,208 Commercial Paper (CP) 338,367 348,195 355,248 341,827 368,284 Other Certificates 739 580 705 659 631 Covered Bonds 618,683 606,993 644,065 657,652 666,169 Senior Bonds 182,104 178,323 183,682 163,657 167,214 Senior non Preferred Bonds 82,026 90,454 86,893 85,944 79,780 Total 1,447,649 1,427,027 1,456,103 1,429,185 1,491,285 Jan-Sep Jan-Dec Jan-Sep SEK m 2026 2025 2025 Opening balance 1,429,185 1,550,027 1,550,027 Issued 684,962 935,374 743,491 Repurchased -70,033 -46,358 -33,059 Matured -647,090 -937,207 -711,125 Foreign exchange effect 56,556 -81,573 -68,728 Other -5,931 8,923 10,680 Closing balance 1,447,649 1,429,185 1,491,285

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43 Handelsbanken’s Interim Report January-September 2026 Note 17 Pledged assets and contingent liabilities Note 18 Classification of financial assets and liabilities 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep SEK m 2026 2026 2026 2025 2025 Assets pledged for own debt 1,093,937 1,054,252 1,058,822 1,069,307 1,071,297 Other pledged assets 108,629 107,754 103,252 92,082 104,677 Contingent liabilities 42,695 41,585 42,105 40,474 44,799 Commitments 511,817 505,883 476,686 466,388 438,141 30 September 2026 SEK m Fair value option Derivatives identified as hedge instruments Fair value through other comprehensive income Amortised cost Total carrying amount Fair value Assets Cash and balances with central banks 517,109 517,108 517,108 Other loans to central banks 10,269 10,269 10,269 Interest-bearing securities eligible as collateral with central banks 25,605 217,462 13 243,081 243,081 Loans to other credit institutions 32,826 32,826 37,811 Loans to the public 2,393,051 2,393,051 2,381,102 Value change of interest-hedged item in portfolio hedge -6,979 -6,979 Bonds and other interest-bearing securities 27,685 24,498 8,764 60,947 60,947 Shares 35,154 933 36,086 36,086 Assets where the customer bears the value change risk 362,898 362,898 362,898 Derivative instruments 25,711 8,107 33,817 33,817 Other financial assets 16 19,073 19,089 20,520 Total financial assets 477,070 241,960 8,107 9,696 2,965,362 3,702,193 3,703,640 Investments in associates and joint ventures 982 Non-financial assets 37,466 Total assets 3,740,642 Liabilities Due to credit institutions 149,881 149,881 149,952 Deposits and borrowing from the public 1,479,245 1,479,245 1,478,896 Liabilities where the customer bears the value change risk 363,569 363,569 363,569 Issued securities 739 1,446,911 1,447,649 1,441,295 Derivative instruments 16,714 6,415 23,129 23,129 Short positions 12,424 12,424 12,424 Other financial liabilities 8 15,450 15,459 20,181 Subordinated liabilities 35,490 35,490 36,432 Total financial liabilities 29,886 363,569 6,415 3,126,977 3,526,845 3,525,878 Non-financial liabilities 19,576 Total liabilities 3,546,421 Fair value through profit or loss Mandatory

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44 Handelsbanken’s Interim Report January-September 2026 Assets and liabilities in the table above include the disposal group in Finland, which were previously reclassified in the balance sheet to Assets held for sale and Liabilities held for sale, respectively. 31 December 2025 SEK m Fair value option Derivatives identified as hedge instruments Fair value through other comprehensive income Amortised cost Total carrying amount Fair value Assets Cash and balances with central banks 408,155 408,155 408,155 Other loans to central banks 24,526 24,526 24,526 Interest-bearing securities eligible as collateral with central banks 16,461 171,810 188,272 188,272 Loans to other credit institutions 21,711 21,711 21,704 Loans to the public 2,307,191 2,307,191 2,301,152 Value change of interest-hedged item in portfolio hedge -5,510 -5,510 Bonds and other interest-bearing securities 14,117 30,458 9,056 53,631 53,631 Shares 15,751 798 16,549 16,549 Assets where the customer bears the value change risk 312,284 312,284 312,284 Derivative instruments 7,912 13,841 21,752 21,752 Other financial assets 14 6,953 6,966 6,966 Total financial assets 366,539 202,268 13,841 9,855 2,763,026 3,355,527 3,354,991 Investments in associates and joint ventures 881 Non-financial assets 31,158 Total assets 3,387,566 Liabilities Due to credit institutions 64,524 64,525 61,409 Deposits and borrowing from the public 1,293,784 1,293,784 1,293,635 Liabilities where the customer bears the value change risk 312,714 312,714 312,714 Issued securities 659 1,428,526 1,429,185 1,431,665 Derivative instruments 20,848 5,361 26,210 26,211 Short positions 2,163 2,163 2,163 Other financial liabilities 15 10,648 10,663 10,663 Subordinated liabilities 34,062 34,061 35,173 Total financial liabilities 23,687 312,714 5,361 2,831,544 3,173,306 3,173,634 Non-financial liabilities 14,905 Total liabilities 3,188,211 Fair value through profit or loss Mandatory

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45 Handelsbanken’s Interim Report January-September 2026 Note 19 Fair value measurement of financial instruments Assets and liabilities in the table above include the disposal group in Finland, which were previously reclassified in the balance sheet to Assets held for sale and Liabilities held for sale, respectively. Valuation process The risk control function checks that the Group’s financial instruments are correctly valued. As far as is possible, the valuations are based on external data. For financial instruments traded on an active market, the fair value is the same as the quoted market price. An active market is one where quoted prices are readily and regularly available from a regulated market, execution venue, reliable news service or equivalent, and where the price information received can be verified by means of regularly occurring transactions. The current market price corresponds to the price between the bid price and the offer price which is most representative of fair value under the circumstances. For groups of financial instruments which are managed on the basis of the Bank’s net exposure to market risk, the current market price is presumed to be the same as the price which would be received or paid if the net position were dives ted. For financial instruments where there is no reliable information about market prices, fair value is established using valuation models. These models can, for example, be based on price comparisons, present value calculations or option valuation theory depending on the nature of the instrument . Valuation hierarchy In the tables, financial instruments at fair value have been categorised in terms of how the valuations have been carried out and the degree of transparency regarding market data used in the valuation. The categorisation is shown as levels 1 -3 in the tables. Financial instruments which are valued at a direct and liquid market price are categorised as level 1. These financial instruments mainly comprise government instruments and other interest-bearing securities that are traded actively, listed shares and short-term positions in corresponding assets. Level 1 also includes the majority of shares in mutual funds and other assets which are related to unit -linked insurance contracts and similar agreements and the corresponding liabilities. Financial instruments which are valued using valuation models which substantially are based on market data are categorised as level 2. Level 2 mainly includes interest -bearing securities and interest- and currency-related derivatives. Financial instruments whose valuation to a material extent is affected by input data that cannot be verified using external market information are categorised as level 3. Level 3 includes unlisted shares, certain holdings of private equity funds and certain derivatives. The categorisation is based on the valuation method used on the balance sheet date. If the category for a specific instrument has changed since the previous balance sheet date (31 December 2025), the instrument has been moved between the levels in the table. There were no significant moves between the levels during the period. Changes in level 3 holdings during the period are shown in a separate table below. The holdings in level 3 mainly comprise unlisted shares. The Group’s holdings of unlisted shares are mainly comprised of participating interests in companies which provide supporting operations to the Bank. For example, these may be participating interests in clearing organisations and infrastructure collaboration on Handelsbanken’s home markets. Such holdings are generally valued at the Bank’s share of the company’s net asset value, or alternatively at the price of the last completed transaction. In all ma terial respects, unlisted shares are classified at fair value through other comprehensive income. Value changes for these holdings are thus reported in Other comprehensive income. 30 September 2026 SEK m Level 1 Level 2 Level 3 Total 225,099 17,968 243,067 54,162 6,785 60,947 34,880 972 234 36,086 359,652 3,244 2 362,898 80 33,725 12 33,817 673,873 62,694 248 736,815 360,323 3,244 2 363,569 739 739 127 22,989 12 23,128 12,295 129 12,424 372,745 27,101 14 399,860 31 December 2025 SEK m Level 1 Level 2 Level 3 Total 188,206 66 188,272 52,340 1,291 53,631 15,398 992 159 16,549 309,203 3,079 2 312,284 96 21,656 21,752 565,243 27,084 161 592,488 309,633 3,079 2 312,714 659 659 89 26,122 26,211 2,161 1 2,163 311,883 29,862 2 341,747 Derivative instruments Assets Interest-bearing securities eligible as collateral with central banks Bonds and other interest-bearing securities Shares Assets where the customer bears the value change risk Assets where the customer bears the value change risk Total Liabilities Liabilities where the customer bears the value change risk Issued securities Derivative instruments Short positions Total Assets Interest-bearing securities eligible as collateral with central banks Bonds and other interest-bearing securities Shares Short positions Total Derivative instruments Total Liabilities Liabilities where the customer bears the value change risk Issued securities Derivative instruments

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46 Handelsbanken’s Interim Report January-September 2026 Certain holdings of private equity funds are categorised in level 3. These are valued using valuation models mainly based on a relative valuation of comparable listed companies in the same sector. The performance measurements used in the comparison are adjusted for factors which distort the comparison between the investment and the company used for comparison. Subsequently, the valuation is based on earnings multiples, such as P/E ratios. Differences between the transaction price and the value measured by a valuation model The models use input data in the form of market prices and other variables that are deemed to affect pricing. The models and input data which form the basis of the valuations are regularly validated to ensure that they are consistent with market practice and established financial theory. In cases where there are positive differences between the value calculated with the help of a valuation model at initial recognition and the transaction price (day 1 gains/losses), the difference is accrued over the life of the financial instrument. Such differences occur when the applied valuation model does not fully capture all the components which affect the value of the instrument. Day 1 gains/losses are comprised of the Bank’s profit margin and remuneration for, for example, capital costs and administrative costs. During the period, an accrual effect of SEK 109m (95) was recognised under Net gains/losses on financial transactions. At the end of the perio d, non-recognised day 1 gains/losses totalled SEK 384m; at year -end 2025, the corresponding figure was SEK 412m. Change in level 3 holdings A change in non -observable input data is not judged to give rise to significantly higher or lower values for holdings in level 3, for which r eason no sensitivity analysis is presented . 30 September 2026 SEK m Shares Derivative assets Derivative liabilities Assets where the customer bears the value change risk Liabilities where the customer bears the value change risk Opening balance 159 2 -2 Acquisitions 45 Repurchases/sales The period's value change realised in the income statement Unrealised value change in income statement 10 Unrealised value change in other comprehensive income 20 Transfer from level 1 or 2 12 -12 Transfer to level 1 or 2 Closing balance 234 12 -12 2 -2 31 December 2025 SEK m Shares Derivative assets Derivative liabilities Assets where the customer bears the value change risk Liabilities where the customer bears the value change risk Opening balance 177 17 -17 Acquisitions Repurchases/sales -11 -9 9 The period's value change realised in the income statement Unrealised value change in income statement -7 -6 6 Unrealised value change in other comprehensive income Transfer from level 1 or 2 Transfer to level 1 or 2 Closing balance 159 2 -2

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47 Handelsbanken’s Interim Report January-September 2026 Note 20 Assets and liabilities by material currency Assets and liabilities in the table above include the disposal group in Finland, which were previously reclassified in the balance sheet to Assets held for sale and Liabilities held for sale, respectively. 30 September 2026 Other SEK m SEK EUR NOK GBP USD currencies Total Assets Cash and balances with central banks 19,881 137,808 3,042 75,796 280,582 0 517,108 Other loans to central banks 6,862 3,407 10,269 Interest-bearing securities eligible as collateral with central banks 206,427 14,354 19,273 27 3,000 243,081 Loans to other credit institutions 3,672 5,497 21,457 677 1,463 59 32,826 Loans to the public 1,603,574 185,691 326,597 267,833 5,493 3,863 2,393,051 of which corporates 615,973 120,338 187,485 197,356 5,360 3,025 1,129,538 of which households 987,269 65,353 139,112 70,476 133 838 1,263,180 Bonds and other interest-bearing securities 47,320 1,815 11,812 0 60,947 Other items not broken down by currency 483,360 483,360 Total assets 2,371,096 348,572 382,180 344,332 290,538 3,922 3,740,642 Liabilities and equity Due to credit institutions 43,720 29,350 30,428 4,978 41,315 91 149,881 Deposits and borrowing from the public 860,391 85,903 121,596 274,453 131,986 4,916 1,479,245 of which corporates 344,594 70,487 64,787 205,307 129,366 3,861 818,403 of which households 515,797 15,415 56,809 69,146 2,619 1,055 660,842 Issued securities 524,468 376,056 23,066 36,507 456,531 31,021 1,447,649 Subordinated liabilities 19,651 6,551 9,288 35,490 Other items not broken down by currency, incl. equity 628,377 628,377 Total liabilities and equity 2,056,956 510,959 175,090 322,490 639,120 36,028 3,740,642 Other assets and liabilities broken down by currency (net) 162,468 -207,095 -21,832 348,624 32,088 Net foreign currency position 81 -4 10 43 -18 112 31 December 2025 Other SEK m SEK EUR NOK GBP USD currencies Total Assets Cash and balances with central banks 31,171 163,466 4,336 96,089 113,093 0 408,155 Other loans to central banks 8,954 2,947 12,625 24,526 Interest-bearing securities eligible as collateral with central banks 169,300 9,217 66 9,689 188,272 Loans to other credit institutions 689 6,033 13,096 322 1,521 48 21,711 Loans to the public 1,588,027 188,451 291,766 231,671 4,408 2,868 2,307,191 of which corporates 597,538 126,674 167,902 168,691 4,283 2,065 1,067,153 of which households 977,067 61,776 123,864 62,980 125 802 1,226,615 Bonds and other interest-bearing securities 44,840 1,016 7,775 0 53,631 Other items not broken down by currency 384,081 384,081 Total assets 2,227,063 371,129 329,665 328,082 128,711 2,916 3,387,566 Liabilities and equity Due to credit institutions 12,308 30,767 19,836 675 537 401 64,525 Deposits and borrowing from the public 823,482 75,271 104,220 261,024 25,830 3,957 1,293,784 of which corporates 325,687 61,020 57,148 191,529 23,251 2,948 661,584 of which households 497,795 14,251 47,072 69,495 2,580 1,009 632,200 Issued securities 551,261 417,922 21,202 26,638 387,200 24,963 1,429,185 Subordinated liabilities 19,195 6,199 8,667 34,061 Other items not broken down by currency, incl. equity 566,010 566,010 Total liabilities and equity 1,953,062 543,154 145,258 294,536 422,235 29,321 3,387,566 Other assets and liabilities broken down by currency (net) 171,898 -184,369 -33,492 293,508 26,498 Net foreign currency position -128 38 54 -15 93 42

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48 Handelsbanken’s Interim Report January-September 2026 Note 21 Own funds and capital requirements in the consolidated situation The requirements for the calculation of own funds and capital requirements are regulated in Regulation (EU) No 575/2013 (CRR) and Directive 2013/36/EU, which comprise the EU’s implementation of the international Basel III regulations. All references to CR R in this report refer to these regulations in their entirety, regardless of legislative form (regulation, directive, executive decree or nati onal implementation). Figures reported in this section refer to the minimum capital requirements under Pillar 1 and meet the requirements for publication of information relating to capital adequacy in CRR Part Eight, as well as in the Swedish Financial Supervisory Authority’s regul ation FFFS 2014:12. Information regarding the total capital requirement and common equity tier 1 capital requirements in Pillar 2 is provided in the Group performance section. They fulfil the requirements set out in the regulations and general guidelines issued by the Swedish Fin ancial Supervisory Authority, FFFS 2008:25 Annual reports in cred it institutions and securities companies. Information in this section relates to Handelsbanken’s material risks and capital requirement as of the publication date of this report. A full description of the B ank’s risks and capital management can be found in Handelsbanken’s Annual Report and in Handelsbanken’s Risk and Capital – Information according to Pillar 3. Key metrics 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep SEK m 2026 2026 2026 2025 2025 Available own funds Common equity tier 1 (CET1) capital 140,696 140,045 138,336 137,084 146,041 Tier 1 capital 156,662 155,740 147,791 146,233 155,427 Total capital 183,080 181,481 173,136 171,268 181,003 Risk-weighted exposure amounts Total risk-weighted exposure amount 829,576 812,327 802,413 779,729 801,540 Total risk exposure pre-floor 829,576 812,327 802,413 779,729 801,540 Capital ratios Common equity tier 1 ratio 17.0% 17.2% 17.2% 17.6% 18.2% Common Equity Tier 1 ratio considering unfloored TREA 17.0% 17.2% 17.2% 17.6% 18.2% Tier 1 ratio 18.9% 19.2% 18.4% 18.8% 19.4% Tier 1 ratio considering unfloored TREA 18.9% 19.2% 18.4% 18.8% 19.4% Total capital ratio 22.1% 22.3% 21.6% 22.0% 22.6% Total capital ratio considering unfloored TREA 22.1% 22.3% 21.6% 22.0% 22.6% Additional own funds requirements to address risks other than the risk of excessive leverage Additional own funds requirements to address risks other than the risk of excessive leverage (%) 1.1% 1.6% 1.6% 1.6% 1.6% of which: to be made up of CET1 capital 0.8% 1.0% 1.0% 1.0% 1.0% of which: to be made up of Tier 1 capital 0.9% 1.2% 1.2% 1.2% 1.2% Total SREP own funds requirements 9.1% 9.6% 9.6% 9.6% 9.6% Combined buffer requirement ) Capital conservation buffer 2.5% 2.5% 2.5% 2.5% 2.5% Conservation buffer due to macro-prudential or systemic risk identified at the level of a Member State Institution specific countercyclical capital buffer 2.0% 2.0% 2.0% 2.0% 2.0% Systemic risk buffer 3.2% 3.2% 3.2% 3.2% 3.2% Global Systemically Important Institution buffer Other Systemically Important Institution buffer 1.0% 1.0% 1.0% 1.0% 1.0% Combined buffer requirement 8.7% 8.7% 8.7% 8.7% 8.7% Overall capital requirements 17.8% 18.3% 18.3% 18.3% 18.2% CET1 available after meeting the total SREP own funds requirements 11.7% 11.7% 11.7% 12.0% 12.7% Leverage ratio Leverage ratio total exposure measure 3,515,341 3,664,705 3,552,499 3,193,942 3,623,144 Leverage ratio 4.5% 4.3% 4.2% 4.6% 4.3% Additional own funds requirements to address the risk of excessive leverage Additional own funds requirements to address the risk of excessive leverage (%) 0.15% 0.15% 0.15% 0.15% 0.15% of which: to be made up of CET1 capital 0.15% 0.15% 0.15% 0.15% 0.15% Total SREP leverage ratio requirements 3.0% 3.0% 3.0% 3.0% 3.0% Leverage buffer and combined levereage buffer requirement Leverage ratio requirement Combined leverage ratio requirement 3.0% 3.0% 3.0% 3.0% 3.0% Liquidity coverage ratio (LCR)* Total high-quality liquid assets (HQLA) (Weighted value-average) 828,483 855,010 880,387 928,004 968,680 Cash outflows - Total weighted value 526,190 530,452 524,385 552,923 582,199 Cash inflows - Total weighted value 68,400 68,458 64,808 62,809 63,430 Total net cash outflows (adjusted value) 457,790 461,994 459,577 490,114 518,769 Liquidity coverage ratio 183% 186% 192% 191% 188% Net stable funding ratio (NSFR) Total available stable funding 2,130,675 2,132,761 2,049,893 2,025,068 2,105,728 Total required stable funding 1,786,530 1,748,845 1,723,248 1,700,566 1,726,294 NSFR ratio 119% 122% 119% 119% 122% * High quality liquid assets and cashflows refer to the average of the values at each month-end during the last 12 months. The ratio is calculated based on these averages.

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49 Handelsbanken’s Interim Report January-September 2026 Overview of risk exposure amounts Capital requirement credit risk The capital requirement for credit risk is calculated according to the standardised approach and the IRB Approach in accordance with CRR. There are two different IRB approaches: the IRB approach without own estimates of LGD and CCF, and the IRB approach wi th own estimates of LGD and CCF. In the IRB approach without own estimates of LGD and CCF, the Bank uses its own models to determine the probability of the customer defaulting within one year (PD), while the other parameters are set out in CRR rules. In the IRB approach with own estimates of LGD and CCF, the Bank also uses, in addition to its own PD models, its own models to calculate the loss given default (LGD) and the exposure amount for those exposures for which the CRR permits the use of internal CCF models. Handelsbanken uses the IRB approach without own estimates of LGD and CCF for exposures to institutions, for certain product and collateral types for corporate exposures in the parent company and in the subsidiary Stadshypotek AB. The IRB approach with own estimates of LGD and CCF is applied to the majority of exposures to corporates and housing co -operative associations in the parent company, as well as in the subsidiaries Stadshypotek AB and Handelsbanken Finans AB. The IRB approach with own estimates of LGD and CCF is also applied to retail exposures in the parent company in Sweden and Norway, and in the subsidiary Stadshypotek AB. Risk weight floors are applied in Sweden and Norway for mortgage loans and corporate exposures secured by real estate. The standardised approach is applied to exposures to sovereigns and municipalities and to exposures in Handelsbanken plc and Ecster AB. The standardised approach is also applied to the majority of the parent company’s retail exposures and exposures to corporates outside Sweden and Norway. At the end of the quarter, the IRB approach was applied to 69% of the total risk -weighted exposure amount for credit risk, including the effect of the risk weight floor. For the remaining credit risk exposures, the capital requirements are calculated using the standardised approach. Of Handelsbanken’s corporate exposures, 99% were to customers with a repayment capacity assessed as normal or better than normal, i.e. with a rating grade between 1 and 5 on the Bank’s nine- point risk rating scale. The IRB approach is based on historical l osses, including the Swedish banking crisis in the early 1990s. The risk weights, excluding regulatory risk weight floors, applied when calculating risk - weighted exposure amounts reflect Handelsbanken’s credit loss history. The risk assessment includes mar gins of conservatism to ensure that the risk is not underestimated . 30 Sep 30 Jun 30 Sep 30 Jun 2026 2026 2026 2026 Credit risk (excluding CCR) 690,380 673,380 55,230 53,870 of which standardised approach 212,338 180,728 16,987 14,458 of which foundation IRB (FIRB) approach 45,195 69,925 3,616 5,594 of which slotting approach of which equities under simple risk-weighted approach of which advanced IRB (AIRB) approach 169,994 163,333 13,600 13,067 Counterparty credit risk - CCR 5,955 6,593 476 527 of which standardised approach 5,148 5,241 412 419 of which internal model method (IMM) of which exposures to a CCP 311 275 25 22 of which other CCR 497 1,077 40 86 Credit valuation adjustment - CVA 3,162 2,754 253 220 of which the standardised approach (SA) of which the basic approach (F-BA and R-BA) 3,162 2,754 253 220 of which the simplified approach Settlement risk 0 0 0 0 Securitisation exposures in the non-trading book (after the cap) of which SEC-IRBA approach of which SEC-ERBA (including IAA) of which SEC-SA approach of which 1,250%/ deduction Position, FX and commodities risks (market risk) 20,907 20,427 1,673 1,634 of which standardised approach 20,907 20,427 1,673 1,634 of which IMA Large exposures Operational risk 109,172 109,172 8,734 8,734 Exposures to crypto-assets Amounts below the thresholds for deduction (subject to 250% risk weight) Output floor applied (%) 55% 55% Floor adjustment (before application of transitional cap) Floor adjustment (after application of transitional cap) Total 829,576 812,327 66,366 64,986 RWEA Own funds requirements

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50 Handelsbanken’s Interim Report January-September 2026 Capital requirement market risk The capital requirement for market risks is calculated for the Bank’s consolidated situation. The capital requirements for interest rate risk and equity price risk are, however, only calculated for positions in the trading book. When calculating the capita l requirement for market risks, the standardised approach is applied. Capital requirement operational risk The capital requirement for operational risk is calculated on the basis of the Bank’s size, measured using various components in the income statement, in accordance with the CRR regulations .

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51 Handelsbanken’s Interim Report January-September 2026 Note 22 Risk and liquidity Figures reported in this section meet the requirements for publication of information relating to risk and capital management in CRR Part Eight. Risk and uncertainty factors Handelsbanken provides credit through its branch operations, exercising a low risk tolerance. The credit process is based on the conviction that a decentralised organisation with local presence ensures high quality in credit decisions. Essentially, market risks in the Bank’s business operations are only taken as part of meeting customers’ investment and risk management needs. Handelsbanken’s exposure to market risks is low. The Bank’s low tolerance of risk means that it is also well -equipped to operate unde r difficult market conditions. This starting point has been important in recent years due to high geopolitical risks. Ongoing global trade conflicts and the conflict in the Middle East gave rise to macroeconomic risks and uncertainty in the financial markets. The Bank’s credit exposures are largely linked to property. This means that the Bank is, to a lesser extent, directly affected by disruptions in trade flows. The rise in geopolitica l instability has heightened the risk of different types of attacks on critical infrastructure in society. The Bank is monitoring developments and assesses the risk of various scenarios on an ongoing basis. Liquidity and funding Handelsbanken has a low tolerance of liquidity risks, at aggregate level and also in each individual currency. The aim is to have good access to liquidity and a considerable capacity to meet customers’ funding needs, even in difficult times. This is achieved through a good matching of incoming and outgoing cash flows in all currencies essential to the Bank and by maintaining large liquidity reserves of good quality. The Bank thereby manages the economic risks in funding and can thereby maintain stable and long-term funding for the business-operating units. Furthermore, the Bank aims for breadth in its funding programmes and their use. This ensures that the Bank can keep its core business intact for a long period of time, even in the event of disruption in the financial markets. To ensure sufficient liquidity to support its core operations in stressed financial conditions, the Bank holds large liquidity reserves in all currencies of importance to the Bank. The liquidity reserve comprises several different parts. Cash, balances and other lending to central banks are components which can provide the Bank with immediate liquidity. The reserve also comprises liquid securities, such as government bonds, covered bonds and other securities of very high credit quality. These can also provi de the Bank with immediate liquidity. These parts of the liquidity reserve are illustrated in the table and amounted to SEK 849bn at 30 September 2026. The remainder of the liquidity reserve comprises an unutilised issue amount for covered bonds and other liquidity -creating measures.

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52 Handelsbanken’s Interim Report January-September 2026 Balances with central banks and banks, and securities holdings in the liquidity reserve 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep Market value, SEK m 2026 2026 2026 2025 2025 Level 1 assets 844 048 894 775 836 276 673 783 897 657 Cash and balances with central banks 517 418 591 183 560 941 419 542 623 912 Securities issued or guaranteed by sovereigns, central banks, MDBs and international organisations 241 902 214 443 196 401 191 794 203 006 Securities issued by municipalites and PSEs 431 321 1 300 191 1 197 Extremely high quality covered bonds 84 298 88 828 77 634 62 256 69 543 Level 2 assets 4 932 2 288 4 841 890 4 855 Level 2A assets 4 376 2 044 4 620 668 4 458 Securities issued or guaranteed by sovereigns, central banks, municipalities and PSEs 3 149 1 062 3 035 36 2 920 High quality covered bonds 1 225 940 1 584 632 1 537 Corporate debt securities (lowest rating AA-) 2 42 Level 2B assets 556 244 221 222 397 Asset-backed securities High quality covered bonds Corporate debt securities (rated A+ to BBB-) 556 244 221 222 397 Shares (major stock index) Total liquid assets 848 980 897 063 841 117 674 673 902 512 of which in SEK 278 764 274 659 256 318 245 964 270 707 of which in EUR 151 580 179 181 189 492 169 571 195 726 of which in USD 285 692 301 970 254 317 119 711 269 615 of which in other currencies 132 944 141 253 140 990 139 428 166 464 30 September 2026 Market value, SEK m SEK EUR USD Other Total Level 1 assets 277,304 151,257 285,692 129,795 844,048 Cash and balances with central banks 19,880 139,315 280,147 78,076 517,418 Securities issued or guaranteed by sovereigns, central banks, MDBs and international organisations 201,159 11,748 5,545 23,451 241,902 Securities issued by municipalites and PSEs 431 431 Extremely high quality covered bonds 55,835 194 28,269 84,298 Level 2 assets 1,460 323 3,149 4,932 Level 2A assets 1,225 2 3,149 4,376 Securities issued or guaranteed by sovereigns, central banks, municipalities and PSEs 3,149 3,149 High quality covered bonds 1,225 1,225 Corporate debt securities (lowest rating AA-) 2 2 Level 2B assets 235 321 556 Asset-backed securities High quality covered bonds Corporate debt securities (rated A+ to BBB-) 235 321 556 Shares (major stock index) Total liquid assets 278,764 151,580 285,692 132,944 848,980

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53 Handelsbanken’s Interim Report January-September 2026 Maturities for financial assets and liabilities 30 September 2026 Up to 30 31 days - Unspec. SEK m days 6 mths 6 - 12 mths 1 - 2 yrs 2 - 5 yrs 5 yrs - maturity Total Assets Cash and balances with central banks 517,108 517,108 Interest-bearing securities eligible as collateral with central banks * 243,081 243,081 Bonds and other interest-bearing securities * 60,947 60,947 Loans to credit institutions ** 41,981 66 263 40 121 623 43,095 of which reverse repurchase agreements 24,506 24,506 Loans to the public 92,100 294,407 204,461 217,702 396,775 1,187,604 2,393,051 of which reverse repurchase agreements 31,945 31,945 Other *** 53,248 430,112 483,360 of which shares and participating interests 36,086 36,086 of which assets from unsettled trades 17,162 17,162 Total 1,008,466 294,474 204,725 217,742 396,896 1,188,227 430,112 3,740,642 Liabilities Due to credit institutions **** 70,305 70,315 40 83 1,189 7,949 149,881 of which repurchase agreements 577 577 of which deposits from central banks 16,014 40,807 1 56,822 Deposits and borrowing from the public **** 199,341 149,739 11,452 2,583 1,705 156 1,114,268 1,479,244 of which repurchase agreements 3,812 3,812 Issued securities 83,223 380,248 211,525 306,174 404,202 62,277 1,447,649 of which covered bonds 5,692 42,113 13,163 227,883 316,679 13,154 618,684 of which bank certificates (CDs) with original maturity of less than one year 26,971 133,920 58,713 219,604 of which corporate certificates (CPs) with original maturity of less than one year 50,432 183,708 104,226 338,366 of which bank certificates (CDs) and corporate certificates (CPs) with orginal maturity above one year 2,000 4,126 6,126 of which senior non-preferred bonds 15,519 29,343 37,165 82,027 of which senior bonds and other securities with original maturity of more than one year 18,211 31,128 62,934 58,370 12,200 182,843 Subordinated liabilities 5,043 6,551 5,642 12,779 5,475 35,490 Other *** 24,471 603,906 628,377 of which short positions 12,424 12,424 of which liabilities from unsettled trades 12,047 12,047 Total 377,340 605,345 229,568 314,482 419,875 67,908 1,726,123 3,740,642 * The table shows holdings of bonds and other interest-bearing securities in the time intervals in which they can be converted to liquidity if they are pledged as collateral or sold. This means that the table does not reflect the actual maturities for the securities included . In “Other”, assets and liabilities are reported as maturing in the time intervals that correspond to the contractual maturity dates, taking into account contractual amortisation plans. ** Term loans to central banks stand for SEK 10,269m of the volume. *** “Other” includes market values in derivative transactions. **** Sight deposits are reported under “ Unspecified maturity”.

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54 Handelsbanken’s Interim Report January-September 2026 Liquidity coverage ratio (LCR) Net stable funding ratio (NSFR) The liquidity coverage ratio (LCR) has been a binding requirement for banks in the EU since the European Commission introduced its Delegated Regulation. The figure states the ratio between the Bank’s liquidity buffer and net cash flows in a very stressed scenario during a 30 -day period. The requirement applies to LCR at aggregate level and the ratio must be at least 100%. The Swedish Financial Supervisory Authority also stipulates LCR in individual currencies within the framework of the supervisory review a nd evaluation process in Pillar 2. The minimum requirement for the structural liquidity measure, the net stable funding ratio (NSFR) – the ratio between available stable funding and required stable funding – requires the Bank to have sufficient stable funding to cover its funding needs under both normal and stressed circumstances from the perspective of a one-year horizon. The mi nimum requirement applies to NSFR at aggregate level, and the ratio must be at least 100%. At the end of the quarter, the Group’s aggregated LCR was 172%, which shows that the Bank has substantial resistance to short-term disruptions in the funding markets. At the same date, the Group’s NSFR amounted to 119%. Stress test with liquidity-creating measures The governance of the Bank’s liquidity situation is based on stress tests, which are performed at an aggregate level and also individually for the currencies that are essential to the Bank. The stress tests are designed to ensure that the Bank has sufficie nt liquidity in various stressed scenarios and with the implementation of different measures, which are also included in the Bank’s recovery plan. The stress tests are carried out with both general and idiosyncratic stress on a regular basis, as well as on an ad hoc basis. These are also supplemented with scenario analyses which take substantial falls in housing prices into account. Resistance to more long -term disruptions in the market is measured on a daily basis through stress testing of cash flows based on certain assumptions. For example, it is assumed that the Bank cannot obtain funding in the financial markets, at the same time as 5-20% of non-fixed-term deposits from households and companies disappears gradually in the first month. It is further assumed that the Bank will continue to conduct its core activities, i.e. that fixed -term deposits from and loans to households and com panies will be renewed at maturity and that issued commitments and credit facilities will be partly utilised by customers. Simultaneously, consideration is given to the fact that cash, balances and other lending to central banks are components which can pr ovide the Bank with immediate liquidity. Consideration is also given to liquid securities, such as government bonds, covered bonds and other securities of very high credit quality which can provide the Bank with immediate liquidity. In addition, the Bank c an create liquidity through utilising the unutilised issue amount for covered bonds and by implementing other liquidity -creating measures to gradually provide the Bank with liquidity. With these conditions, the Bank will be liquid for more than three years . Liquidity coverage ratio (LCR) - sub components 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep SEK m 2026 2026 2026 2025 2025 High quality liquidity assets 842,145 890,416 834,879 670,104 896,777 Cash outflows Retail deposits and deposits from small business customers 62,828 62,129 60,139 61,235 57,114 Unsecured wholesale funding 410,334 416,608 372,811 235,605 394,180 Secured wholesale funding 3,863 6,278 3,352 1,900 3,875 Other cash outflows 78,557 77,105 98,916 74,446 78,943 Total cash outflows 555,582 562,120 535,218 373,186 534,112 Cash inflows Inflows from fully performing exposures 37,579 25,889 35,475 38,236 31,827 Other cash inflows 29,476 28,914 30,444 8,124 29,114 Total cash inflows 67,055 54,803 65,919 46,360 60,941 Liquidity coverage ratio (LCR) 172% 176% 178% 205% 190% Net stable funding ratio (NSFR) - sub components 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep SEK m 2026 2026 2026 2025 2025 Available stable funding (ASF) Capital items and instruments 197 187 200 083 191 377 193 962 204 128 Retail deposits 771 451 767 608 744 014 744 937 706 888 Wholesale funding 1 157 642 1 161 170 1 110 562 1 082 156 1 193 122 Other liabilities 4 396 3 900 3 941 4 013 1 590 Total Available stable funding (ASF) 2 130 675 2 132 760 2 049 893 2 025 068 2 105 728 Required stable funding (RSF) Total high-quality liquid assets (HQLA) 14 940 13 767 15 776 7 687 13 559 Assets encumbered for more than 12 months in cover pool 485 236 469 420 436 848 486 171 481 062 Performing loans and securities 1 181 905 1 164 538 1 171 799 1 111 099 1 136 167 Other assets 79 516 76 546 75 578 72 952 73 669 Off-balance sheet items 24 933 24 574 23 247 22 657 21 837 Total Required stable funding (RSF) 1 786 530 1 748 845 1 723 248 1 700 566 1 726 294 Net stable funding ratio (NSFR) 119% 122% 119% 119% 122%

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55 Handelsbanken’s Interim Report January-September 2026 Non-encumbered assets, NEA Information in this section relates to Handelsbanken’s material risks and risk management at the time that this interim repor t is published. A full description of the Bank’s risks and capital management can be found in Handelsbanken’s Annual Report and in Handelsban ken’s Risk and Capital – Information according to Pillar 3 . Note 23 Related-party transactions Normal business transactions took place between Group companies, including associates, joint ventures and other related parti es, during the period. Note 24 Segment reporting Information about the Bank’s segment reporting is provided on pages 9- 19. Note 25 Events after the end of the period Information about significant events after the end of the period is presented on page 8. 30 September 2026 SEK bn NEA Holdings with central banks and securities in the liquidity portfolio 849 87% Mortgage loans 876 176% Other household lending 140 191% Property company lending lowest risk class (1-3) 282 219% Other corporate lending lowest risk class (1-3) 79 227% Loans to credit institutions lowest risk class (1-3) 2 228% Other corporate lending 291 257% Other assets 19 259% Total non-encumbered assets (NEA) 2,538 259% Encumbered assets without underlying liabilities** 70 Encumbered assets with underlying liabilities 1,133 Total assets, Group 3,741 31 December 2025 SEK bn NEA Holdings with central banks and securities in the liquidity portfolio 675 81% Mortgage loans 827 180% Other household lending 125 194% Property company lending lowest risk class (1-3) 254 225% Other corporate lending lowest risk class (1-3) 80 234% Loans to credit institutions lowest risk class (1-3) 1 234% Other corporate lending 264 266% Other assets 0 266% Total non-encumbered assets (NEA) 2,226 266% Encumbered assets without underlying liabilities** 66 Encumbered assets with underlying liabilities 1,095 Total assets, Group 3,388 * Issued short and long non-secured funding and liabilities to credit institutions. ** Over-collateralisation in cover pool (OC) and assets to cover Operational Continuity in Resolution requirement in the UK Accumulated coverage ratio in % of unsecured funding* Accumulated coverage ratio in % of unsecured funding*

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56 Handelsbanken’s Interim Report January-September 2026 Condensed set of financial statements – Parent company Income statement – Parent company Statement of comprehensive income – Parent company Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Net interest income 5,637 5,492 3% 5,754 -2% 16,498 17,577 -6% 23,084 Dividends received 236 266 -11% 230 3% 3,935 7,326 -46% 15,673 Net fee and commission income 1,599 1,502 6% 1,419 13% 4,635 4,212 10% 5,735 Net gains/losses on financial transactions 485 448 8% 662 -27% 949 826 15% 1,142 Other income 1,116 1,564 -29% 839 33% 4,616 2,673 73% 3,749 Total income 9,072 9,271 -2% 8,905 2% 30,632 32,614 -6% 49,383 Staff costs -3,165 -3,129 1% -3,185 -1% -9,319 -9,555 -2% -11,799 Other administrative expenses -1,493 -1,661 -10% -1,511 -1% -4,757 -4,929 -3% -6,677 Depreciation, amortisation and impairment of tangible and intangible assets -578 -538 7% -530 9% -1,655 -1,627 2% -2,153 Total expenses before credit losses -5,237 -5,327 -2% -5,226 0% -15,731 -16,111 -2% -20,628 Profit before credit losses and regulatory fees 3,835 3,945 -3% 3,679 4% 14,901 16,503 -10% 28,755 Net credit losses 7 -21 16 -56% -42 144 63 Impairment of financial fixed assets -10 -100% -1,374 Regluatory fees -441 -397 11% -456 -3% -1,291 -1,236 4% -1,645 Operating profit 3,401 3,526 -4% 3,239 5% 13,568 15,401 -12% 25,800 Appropriations 166 Profit before tax 3,401 3,526 -4% 3,239 5% 13,568 15,401 -12% 25,965 Taxes -776 -789 -2% -730 6% -2,381 -2,010 18% -4,326 Profit for the period 2,626 2,736 -4% 2,509 5% 11,187 13,391 -16% 21,639 Q3 Q2 Q3 Jan-Sep Jan-Sep Full year SEK m 2026 2026 Change 2025 Change 2026 2025 Change 2025 Profit for the period 2,626 2,736 -4% 2,509 5% 11,187 13,391 -16% 21,639 Other comprehensive income 45 80 19 137% 79 7 -4 -9 -15 -4 -125% -12 -1 -1 36 65 15 140% 67 6 -5 Cash flow hedges 124 -132 -6 -70 -835 92% -899 -8 7 -1 1 12 -92% -8 Translation differences for the period 1,214 300 305% -49 2,526 -1,316 -2,035 Tax on items that may subsequently be reclassified to the income statement -266 -30 9 -489 428 576 of which cash flow hedges -26 27 1 14 172 -92% 185 2 -2 0 0 -3 -2 -242 -55 -340% 7 -503 258 392 1,064 145 -48 1,968 -1,712 -2,367 1,101 211 422% -32 2,036 -1,705 -2,372 Total comprehensive income for the period 3,727 2,947 26% 2,477 50% 13,223 11,686 13% 19,267 Total other comprehensive income for the period Items that will not be reclassified to the income statement Total Tax on items that will not be reclassified to income statement Equity instruments measured at fair value through other comprehensive income Items that may subsequently be reclassified to the income statement of which tax on translation difference Total Debt instruments measured at fair value through other comprehensive income of which debt instruments measured at fair value through other comprehensive income

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57 Handelsbanken’s Interim Report January-September 2026 Balance sheet – Parent company 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep SEK m 2026 2026 2026 2025 2025 Assets Cash and balances with central banks 441,312 489,086 448,735 312,066 500,401 Interest-bearing securities eligible as collateral with central banks 243,067 369,376 305,846 188,272 330,416 Loans to credit institutions 1,020,348 1,026,138 1,002,020 979,785 1,013,110 Loans to the public 533,873 515,340 504,688 495,790 519,798 Value change of interest hedged item in portfolio hedge -6,979 -5,330 -6,066 -5,510 -5,401 Bonds and other interest-bearing securities 65,440 72,851 74,310 56,480 64,246 Shares 30,696 29,138 29,724 11,122 26,104 Shares in subsidiaries and investments in associates and joint ventures 66,157 65,935 65,653 65,545 67,047 Assets where the customer bears the value change risk 2,466 2,417 2,372 2,316 2,322 Derivatives 41,316 37,284 31,961 25,903 26,048 Intangible assets 2,588 2,639 2,719 2,792 2,823 Tangible assets 5,721 5,675 5,615 5,567 5,707 Current tax assets 505 401 2,009 Deferred tax assets 519 524 494 558 335 Other assets 18,581 14,445 31,797 14,557 25,555 Prepaid expenses and accrued income 2,168 2,323 2,572 1,612 1,859 Total assets 2,467,780 2,628,239 2,502,440 2,156,856 2,582,379 Liabilities and equity Due to credit institutions 214,743 243,721 192,997 125,274 239,644 Deposits and borrowing from the public 1,218,028 1,210,373 1,152,013 1,045,994 1,147,111 Liabilities where the customer bears the value change risk 2,466 2,417 2,372 2,316 2,322 Issued securities, etc. 802,660 794,053 786,836 749,777 800,911 Derivatives 28,779 25,304 29,816 37,540 36,364 Short positions 12,424 12,433 11,539 2,163 13,248 Current tax liabilities 246 721 Deferred tax liabilities Provisions 532 487 520 543 384 Other liabilities 16,377 171,642 168,028 6,824 162,883 Accrued expenses and deferred income 1,668 1,661 1,809 1,511 2,172 Subordinated liabilities 35,490 35,207 34,233 34,062 34,631 Total liabilities 2,333,168 2,497,300 2,380,409 2,006,724 2,439,672 Untaxed reserves 365 365 365 365 531 Share capital 3,069 3,069 3,069 3,069 3,069 Share premium 8,758 8,758 8,758 8,758 8,758 Additional tier 1 capital 6,000 6,000 Other funds 7,418 6,367 6,234 5,582 6,277 Retained earnings 97,815 97,819 97,779 110,718 110,680 Profit for the period 11,187 8,561 5,825 21,639 13,391 Total equity 134,247 130,575 121,665 149,766 142,176 Total liabilities and equity 2,467,780 2,628,239 2,502,440 2,156,856 2,582,379

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58 Handelsbanken’s Interim Report January-September 2026 Statement in changes of equity – Parent company * Reserves in fair value fund . January - September 2026 SEK m Share capital Statutory reserve Fund for internally developed software Share premium Cash flow hedges* Fair value through other compre- hensive income* Translation of foreign operations* Retained earnings incl. profit for the year Additional tier1 capital Total Opening balance 3,069 2,682 2,764 8,758 961 346 -1,170 132,357 149,766 Profit for the period 11,187 11,187 Other comprehensive income -56 68 2,023 2,036 Total comprehensive income for the period -56 68 2,023 11,187 13,223 Issued other tier1 capital -40 6,000 5,960 Dividend to holders of other Tier1 capital -52 -52 Dividend -34,650 -34,650 Fund for internally developed software -200 200 Closing balance 3,069 2,682 2,564 8,758 905 414 854 109,001 6,000 134,247 January – December 2025 SEK m Share capital Statutory reserve Fund for internally developed software Share premium Cash flow hedges* Fair value through other compre- hensive income* Translation of foreign operations* Retained earnings incl. profit for the year Total Opening balance 3,069 2,682 2,984 8,758 1,675 361 473 140,187 160,189 Profit for the period 21,639 21,639 Other comprehensive income -714 -15 -1,643 -2,372 of which reclassified within equity -10 -10 Total comprehensive income for the period -714 -15 -1,643 21,639 19,267 Reclassified to retained earnings 10 10 Dividend -29,700 -29,700 Fund for internally developed software -221 221 Closing balance 3,069 2,682 2,764 8,758 961 346 -1,170 132,357 149,766 January – September 2025 SEK m Share capital Statutory reserve Fund for internally developed software Share premium Cash flow hedges* Fair value through other compre- hensive income* Translation of foreign operations* Retained earnings incl. profit for the year Total Opening balance 3,069 2,682 2,984 8,758 1,675 361 473 140,187 160,189 Profit for the period 13,391 13,391 Other comprehensive income -663 17 -1,058 0 -1,705 Total comprehensive income for the period -663 17 -1,058 13,391 11,686 Dividend -29,700 -29,700 Fund for internally developed software -193 193 Closing balance 3,069 2,682 2,791 8,758 1,011 378 -585 124,071 142,176 Restricted equity Unrestricted equity Restricted equity Restricted equity Unrestricted equity Unrestricted equity

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59 Handelsbanken’s Interim Report January-September 2026 Condensed statement of cash flows – Parent company *Cash and cash equivalents are defined as Cash and balances with central banks. Jan-Sep Jan-Dec Jan-Sep SEK m 2026 2025 2025 Operating profit 13,568 25,800 15,401 Adjustment from operating activities to investment activities -4 -43 -43 Adjustment for non-cash items in Operating profit 2,373 -2,775 2,372 Paid income tax -3,616 -4,085 -4,322 Changes in the assets and liabilities of operating activities 112,428 -55,075 140,035 Cash flow from operating activities 124,748 -36,178 153,444 Disposal of operations and subsidiaries 0 0 Acquisitions of and contributions to subsidiaries -20 0 Disposal of loan portfolio 118 119 Change in shares -175 -20 -20 Change in tangible assets -1,305 -1,329 -1,058 Change in intangible assets -143 -373 -247 Cash flow from investing activities -1,643 -1,603 -1,206 Issued other Tier1 capital 6,000 Dividend to holders of other Tier1 capital -52 Dividend paid -34,650 -29,700 -29,700 Received Group contributions 8,080 8,944 8,944 Cash flow from financing activities -20,622 -20,756 -20,756 Cash and cash equivalents at beginning of the period* 312,066 404,238 404,238 Cash flow for the period 102,483 -58,538 131,482 Exchange rate difference on cash and cash equivalents 26,763 -33,634 -35,319 Cash and cash equivalents at end of the period* 441,312 312,066 500,401

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60 Handelsbanken’s Interim Report January-September 2026 Own funds and capital requirements – Parent company Key metrics 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep SEK m 2026 2026 2026 2025 2025 Available own funds Common equity tier 1 (CET1) capital 106,613 109,474 110,075 109,198 115,207 Tier 1 capital 122,579 125,170 119,529 118,346 124,593 Total capital 148,997 150,911 144,874 143,381 150,169 Risk-weighted exposure amounts Total risk-weighted exposure amount 411,427 391,228 384,733 366,417 383,168 Total risk exposure pre-floor Capital ratios Common equity tier 1 ratio 25.9% 28.0% 28.6% 29.8% 30.1% Common Equity Tier 1 ratio considering unfloored TREA Tier 1 ratio 29.8% 32.0% 31.1% 32.3% 32.5% Tier 1 ratio considering unfloored TREA Total capital ratio 36.2% 38.6% 37.7% 39.1% 39.2% Total capital ratio considering unfloored TREA Additional own funds requirements to address risks other than the risk of excessive leverage Additional own funds requirements to address risks other than the risk of excessive leverage (%) 0.8% 1.0% 1.0% 1.0% 1.0% of which: to be made up of CET1 capital 0.5% 0.6% 0.6% 0.6% 0.6% of which: to be made up of Tier 1 capital 0.6% 0.8% 0.8% 0.8% 0.8% Total SREP own funds requirements 8.8% 9.0% 9.0% 9.0% 9.0% Combined buffer requirement ) Capital conservation buffer 2.5% 2.5% 2.5% 2.5% 2.5% Conservation buffer due to macro-prudential or systemic risk identified at the level of a Member State Institution specific countercyclical capital buffer 2.1% 2.1% 2.1% 2.0% 2.0% Systemic risk buffer 0.7% 0.7% 0.7% 0.7% 0.7% Global Systemically Important Institution buffer Other Systemically Important Institution buffer Combined buffer requirement 5.2% 5.2% 5.2% 5.2% 5.2% Overall capital requirements 14.1% 14.2% 14.3% 14.2% 14.2% CET1 available after meeting the total SREP own funds requirements 20.9% 22.9% 23.5% 24.7% 25.0% Leverage ratio Leverage ratio total exposure measure 1,784,220 1,862,502 1,758,548 1,407,255 1,843,841 Leverage ratio 6.9% 6.7% 6.8% 8.4% 6.8% Additional own funds requirements to address the risk of excessive leverage Additional own funds requirements to address the risk of excessive leverage (%) of which: to be made up of CET1 capital Total SREP leverage ratio requirements 3.0% 3.0% 3.0% 3.0% 3.0% Bruttosoliditetsbuffert och samlat bruttosoliditetskrav (som en procentandel av det totala exponeringsmåttet) Krav på bruttosoliditetsbuffert Samlat bruttosoliditetskrav 3.0% 3.0% 3.0% 3.0% 3.0% Liquidity coverage ratio (LCR)* Total high-quality liquid assets (HQLA) (Weighted value-average) 742,193 763,770 784,244 824,280 856,828 Cash outflows - Total weighted value 517,678 519,258 518,208 548,614 573,087 Cash inflows - Total weighted value 139,588 133,971 130,933 132,267 128,507 Total net cash outflows (adjusted value) 378,090 385,287 387,275 416,348 444,579 Liquidity coverage ratio 199% 201% 205% 201% 195% Net stable funding ratio (NSFR) Total available stable funding 1,347,397 1,351,885 1,305,740 1,262,845 1,321,057 Total required stable funding 1,130,703 1,120,907 1,137,122 1,109,286 1,149,775 NSFR ratio 119% 121% 115% 114% 115% * High quality liquid assets and cashflows refer to the average of the values at each month-end during the last 12 months. The ratio is calculated based on these averages.

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61 Handelsbanken’s Interim Report January-September 2026 Overview of risk exposure amounts 30 Sep 30 Jun 30 Sep 30 Jun 2026 2026 2026 2026 Credit risk (excluding CCR) 331,854 311,294 26,548 24,904 of which standardised approach 188,474 155,654 15,078 12,452 of which foundation IRB (FIRB) approach 40,264 58,767 3,221 4,701 of which slotting approach of which equities under simple risk-weighted approach of which advanced IRB (AIRB) approach 61,001 56,520 4,880 4,522 Counterparty credit risk - CCR 5,955 6,593 476 527 of which standardised approach 5,148 5,241 412 419 of which internal model method (IMM) of which exposures to a CCP 311 275 25 22 of which other CCR 497 1,077 40 86 of which credit valuation adjustment - CVA 3,162 2,754 253 220 of which the standardised approach (SA) of which the basic approach (F-BA and R-BA) 3,162 2,754 253 220 of which the simplified approach Settlement risk 0 0 0 0 Securitisation exposures in the non-trading book (after the cap) of which SEC-IRBA approach of which SEC-ERBA (including IAA) of which SEC-SA approach of which 1,250%/ deduction Position, foreign exchange and commodities risks (market risk) 11,288 11,418 903 913 of which standardised approach 11,288 11,418 903 913 of which IMA Large exposures Operational risk 59,168 59,168 4,733 4,733 Exposures to crypto-assets Amounts below the thresholds for deduction (subject to 250% risk weight) Output floor applied (%) Floor adjustment (before application of transitional cap) Floor adjustment (after application of transitional cap) Total 411,427 391,228 32,914 31,298 RWEA Own funds requirements

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62 Handelsbanken’s Interim Report January-September 2026 The Chief Executive Officer’s submission of the report I hereby submit this report. Stockholm, 21 October 2026 Michael Green President and Chief Executive Officer

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63 Handelsbanken’s Interim Report January-September 2026 Information regarding the press conference A press conference will be held on 21 October 2026 at 8.15 a.m. CEST. Press releases, presentations, a fact book and a recording of the press conference will be available at handelsbanken.se/ir. The highlights of the annual report for January – December 2026 will be published on 3 February 2027. For further information, please contact: Michael Green, President and Chief Executive Officer Tel: +46 (0)8 22 92 20 Mårten Bjurman, CFO Tel: +46 (0)8 22 92 20 Peter Grabe, Head of Investor Relations Tel: +46 (0)70 559 11 67, peter.grabe@handelsbanken.se

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64 Handelsbanken’s Interim Report January-September 2026 Auditors’ review report Svenska Handelsbanken AB (publ), corporate identity number 502007-7862 Introduction We have reviewed the condensed interim financial information (interim report) for Svenska Handelsbanken AB (publ) as at 30 Sepetmber 2026 and for the nine-month period ending as at this date. The Board of Directors and the Chief Executive are responsible for the preparation and presentation of the interim financial information in accordance with IAS 34 and the Swedish Annual Accounts Act for Credit Institut ions and Securities Companies. Our responsibility is to express a conclusion on this interim report based on our review . Focus and scope of the review We have conducted our review in accordance with the International Standard on Review Engagements ISRE 2410. Review of Interim Financial Information Performed by the Independent Auditor of the Entity. A review consists of making inquiries, primarily to persons responsible for financial and accounting matters, and applying analytical and other review procedures. A review differs from and is substantially less in scope than an audit conducted in accordance with International Standards on Auditing and other generally accepted auditing standards in Sweden. The procedures performed in a re view do not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion. Conclusion Based on our review, nothing has come to our attention that causes us to believe that the accompanying interim report is not, in all material respects, in accordance with IAS 34 and the Annual Accounts Act for Credit Institutions and Securities Companies for the Group and in accordance with the Annual Accounts Act for Credit Institutions and Securities Companies for the parent company. Stockholm, 21 October 2026 Öhrlings PricewaterhouseCoopers AB Deloitte AB Magnus Svensson Henryson Malin Lüning Authorised Public Accountant Authorised Public Accountant

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65 Handelsbanken’s Interim Report January-September 2026 Share price performance and other information The Swedish stock market (OMX Stockholm 30 index) grew by 13% during the first nine months of the year. The Stockholm stock exchange’s bank index was up – following the change to ex-dividend trading – by 17%. Handelsbanken’s class A shares closed at SEK 154.55 at the end of the period, an increase of 15% since year-end. Including the distributed dividend of SEK 17.50 per share, the total return was 28%. Over the last five years, the Swedish stock market (OMX Stockholm 30) has risen by 45%, and the bank index (OMX Stockholm Banks PI) has risen by 85%. During the same period, the price of Handelsbanken’s class A share has risen by 57%. Share price performance previous 5 years Analysts who cover the bank 60 80 100 120 140 160 180 200 Sep-21 Sep-22 Sep-23 Sep-24 Sep-25 Sep-26 Index 100 = September 30, 2021 SHB A OMX Stockholm 30 OMX Stockholm Banks PI Company Analyst Email address ABG SUNDAL COLLIER Magnus Andersson magnus.andersson@abgsc.se ARCTIC SECURITIES Roy Tilley roy.tilley@arcticsec.no AUTONOMOUS Isobel Hettrick ihettrick@autonomous.com BANK OF AMERICA MERRILL LYNCH Rebecca Qin rebecca.qin@bofa.com BARCLAYS Namita Samtani namita.samtani@barclays.com BNP PARIBAS Ilija Novosselsky ilija.novosselsky@uk.bnpparibas.com CITIGROUP Shrey Srivastava shrey.srivastava@citi.com DANSKE BANK Kristin Dahlberg kristin.dahlberg@danskebank.se DEUTSCHE BANK Marlene Eibensteiner marlene.eibensteiner@db.com DNB Carnegie Nicholas McBeath nicholas.mcbeath@dnb.se Goldman Sachs Sofie Peterzens sofie.peterzens@gs.com JEFFERIES INTERNATIONAL Joseph Dickerson jdickerson@jefferies.com J.P. MORGAN Marta Sanchez Romero marta.sanchezromero@jpmorgan.com KEEFE, BRUYETTE & WOODS Hari Sivakumaran sivakumaranh@kbw.com MEDIOBANCA Riccardo Rovere riccardo.rovere@mediobanca.it MORGAN STANLEY Gulnara Saitkulova Gulnara.Saitkulova@morganstanley.com NORDEA Andreas Håkansson andreas.hakansson@nordea.com SB1 Markets Martin Schei Nilsen martin.nilsen@sb1markets.com SEB Jacob Hesslevik jacob.hesslevik@seb.se

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