A decentralised approach
Handelsbanken's trust-based way of working has been widely studied. Our decentralised approach has resulted in more satisfied customers, better cost efficiency and higher profitability than our competitors. We consistently hold among the highest credit ratings of any commercial bank.
Each branch is a local bank
Throughout the six countries we call home markets, we have built extensive branch networks. Each branch operates as a local bank, fully empowered to serve customers, build relationships and take all the important decisions locally. The team determines how to develop the Bank's business, playing an active role in local life. We know just how much customers of all kinds value having access to a dedicated team who understand their needs. By combining new technologies with this local, personal touch, we are making more of these relationships.
An international network
In our six home markets of Denmark, Finland, the Netherlands, Norway, Sweden and the UK we have extensive branch networks. In addition, we are present in other markets to support customers from our home markets. Our scale, strength and reputation also make us a natural partner for large corporates and other financial institutions.