"Today we are reporting the strongest annual result in Avanza's history. I want to again highlight the strength of our business model, which performs well in different types of markets. 2025 turned out different than many of us had imagined. High expectations for the future quickly turned in light of geopolitical turmoil and tariff chaos. I am entering the new year optimistic about the future, where I believe and hope that 2026 will be the year when households actually have more money left in their pockets - both to treat themselves to what they previously had to forgo and to accelerate their long-term saving".
| 2025 | 2025 | % | 2024 | % | 2025 | 2024 | % | |
| Operating income, SEK m | 1,139 | 1,142 | 0 | 1,062 | 7 | 4,495 | 3,900 | 15 |
| Operating expenses, SEK m | -402 | -324 | 24 | -335 | 20 | -1,413 | -1,280 | 10 |
| Operating profit, SEK m | 733 | 818 | -10 | 728 | 1 | 3,078 | 2,621 | 17 |
| Profit for the period, SEK m | 626 | 699 | -10 | 625 | 0 | 2,631 | 2,254 | 17 |
| Earnings per share before dilution, SEK | 3.90 | 4.37 | -11 | 3.98 | -2 | 16.57 | 14.33 | 16 |
| Operating margin, % | 64 | 72 | -7 | 69 | -4 | 68 | 67 | 1 |
| Return on shareholders' equity, % | 36 | 45 | -9 | 42 | -6 | 40 | 38 | 1 |
| Net inflow, SEK m | 6,340 | 14,400 | -56 | 24,600 | -74 | 54,000 | 85,800 | -37 |
| No. of new customers (net) | 38,700 | 40,700 | -5 | 46,700 | -17 | 171,000 | 170,700 | 0 |
| No. of customers at the end of the period | 2,242,700 | 2,204,000 | 2 | 2,071,700 | 8 | 2,242,700 | 2,071,700 | 8 |
| Savings capital at the end of the period, SEK m | 1,079,200 | 1,053,600 | 2 | 955,000 | 13 | 1,079,200 | 955,000 | 13 |
| Income to savings capital ratio, % | 0.43 | 0.45 | -0.02 | 0.45 | -0.02 | 0.45 | 0.44 | 0.01 |
| Costs to savings capital ratio, % | 0.15 | 0.13 | 0.02 | 0.14 | 0.01 | 0.14 | 0.14 | 0.00 |
A webcast presentation will be held in English by Gustaf Unger, CEO, and Jonas Svärling, CFO, on 21 January 2026 at 10.00 (CET). There will be an opportunity to ask questions. Further information and registration for participation is available at:
Gustaf Unger, CEO
gustaf.unger@avanza.se
Jonas Svärling, CFO
jonas.svarling@avanza.se
Karolina Johansson, Head of IR
ir@avanza.se
Avanza is a digital platform for savings and investments, founded in 1999. The Parent Company Avanza Bank Holding AB (publ) is listed on the Stockholm Stock Exchange. Avanza's customer promise is that you as a customer will have more left in your own pockets than with any other bank or pension company. Services include saving in shares, funds, savings accounts, mortgages, and a strong pension offering. Avanza has over 2.2 million customers with more than SEK 1,000 billion in total savings capital. This is equivalent to 8.0 per cent of the Swedish savings market. Avanza is the largest Swedish player in terms of number of transactions and turnover on the Stockholm Stock Exchange, including First North. Avanza has won the Swedish Quality Index's (SQI) award for Sweden's most satisfied savings customers for 16 consecutive years. For more information visit avanza.se/ir
This information is information that Avanza Bank Holding AB is obliged to make public pursuant to the EU Market Abuse Regulation. The information was submitted for publication, through the agency of the contact persons set out above, at 2026-01-21 07:45 CET.
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Gustaf Unger, CEO
