Data source: 2025-Q2 figures ingested from the EBA Transparency Exercise. European figures update as filings are published — semi-annually for EBA, per-results for 6-K — not via a real-time API like US banks (FDIC).

Svenska Handelsbanken

SHB

Sweden · EuropeRegulated by FinansinspektionenLatest: 2025-Q2

47MED

CET1 Ratio

18.36%-0.64pp QoQ

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$72.5B

+1.10% QoQ growth

Total Loan Book

$303.6B

+1.8% YoY growth

Leverage Ratio

4.30%

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2025-Q2

Comm. Real Estate38.0%

Consumer29.0%

SME / C&I21.0%

Other12.0%

Metric History

1 quarters · EBA Transparency Exercise

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q2latest	18.36%	4.30%	$72.5B	$303.6B	+1.8%	+1.10%	38.0%	29.0%	21.0%	47

AI Investment Memo

Llama will analyze Svenska Handelsbanken across 4 data dimensions and write a structured memo

Score: 47/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

47/100 —MEDIUM

First-time candidate · scored on fundamentals (0–54 band)

Capital Pressure13/40

CET1 18.36% — well above management threshold

-6.36pp headroom above 8% regulatory floor

CET1 declined 1 quarter (19.00% → 18.36%)

Leverage ratio 4.30% — approaching minimum, strong SRT incentive

Loan Book Growth7/30

Loan book grew 1.8% YoY

RWA grew 1.1% QoQ

CRE: 38%, Lev.Loans: 0%, max(Consumer/SME): 29%

Historical SRT4/25

No prior SRT deals on record

No prior SRT but capital pressure score 13/40 — high-probability first-time issuer

Macro Context7/10

Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts

Mid-Size Bank

$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha

+10

Europe regional bonus+8

Macro environment · FAVORABLE+2

Sentiment +6/20 · global +2 pts

Overall SRT likelihood47/100