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.
瑞典商業銀行(Handelsbanken)是審慎的典范，2008年的金融危機幾乎對它毫發未傷。它如同一家小型社區銀行一樣在全球開展業務，剛剛炒掉了它的首席執行官，據報道原因是他試圖將權力集中。分支行可以自行貸款，但必須審查借款者信譽并規避高風險借款者。貸款損失率目標為零；低貸款損失進而使該銀行能夠向信譽好的客戶提供定價有競爭力的貸款以及個性化服務。
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