Handelsbanken had a good result 2023Q3 with net earnings of 4.02 SEK/share, slightly up from Q2. My best guess is that we will remain on these profit levels, a small decline in 24/25 when interest rates are lowered, but the bank's growth will compensate for this in a year or two. My approximation is 15 SEK/year net profit, PE23=6.5.The bank normally has a P/E of 10, which gives an upside of about 50%. I think we will see dividends of around 70%*15=10,5SEK, i.e. 10%, dividend yield.