Sweden’s Handelsbanken is an exemplar of prudence, barely touched by the 2008 financial crisis. It operates globally like a small community bank, to the point that it has just fired the chief executive, reportedly for attempting to centralise power. Branches lend as they see fit but are required to scrutinise creditworthiness and shun dodgy borrowers. The target loan loss ratio is zero; low loan losses, in turn, allow the bank to offer competitively priced loans and personalised service to creditworthy customers.
瑞典商业银行(Handelsbanken)是审慎的典范，2008年的金融危机几乎对它毫发未伤。它如同一家小型社区银行一样在manbetx app苹果 开展业务，刚刚炒掉了它的首席执行官，据报道原因是他试图将权力集中。分支行可以自行贷款，但必须审查借款者信誉并规避高风险借款者。贷款损失率目标为零；低贷款损失进而使该银行能够向信誉好的客户提供定价有竞争力的贷款以及个性化服务。
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