Avanza Bank Holding Ab · OMXSTO:AZA
Avanza Bank Holding Ab — Q3 2025 Earnings Presentation
16 slides from Avanza Bank Holding Ab's earnings presentation, Oct 17, 2025
Slide 1: Avanza's third quarter 2025 Results presentation
Avanza's third quarter 2025 Results presentation avanzaull
Slide 2: Key highlights from the third quarter
Key highlights from the third quarter Intensified work with creating Stabilised market environment Sweden's best and most and net buying of securities modern discretionary portfolio doubled compared to Q2 management Quarterly operating profit at Several new features for stock record level with stron
Slide 3: Bright outlook for savings acceleration in Sweden
Bright outlook for savings Savings capital increased by 10% so far 2025 acceleration in Sweden 1 200 1,054 1 000 • Households remain cautious to accelerate both 800 SEK bn consumption and savings – but there is reason to 600 believe that the economy will pick up 400 • Further fiscal policy reliefs a
Slide 4: Operating profit at record level
Operating profit at record level Q3 25 Q2 25 ∆% 9M 25 9M 24 ∆% Operating income, SEK m 1,142 1,062 8 3,356 2,838 18 Operating expenses, SEK m -324 -353 -8 -1,011 -944 7 Operating profit, SEK m 818 709 15 2,345 1,893 24 Adjusted operating profit, SEK m¹) 818 709 15 2,345 1,944 21 Profit for the perio
Slide 5: Strong contribution from both trading and interest-related income streams
Strong contribution from both trading and interest- related income streams 1 200 1,152 1,142 1,062 1,062 1 100 1 000 951 959 929 868 882 900 847 833 854 Income split Q3-25, % 800 740 5 Revenue, SEK m 700 27 600 35 500 18 400 15 300 NII Funds FX 200 Brokerage Other 100 0 Q3-22 Q4-22 Q1-23 Q2-23 Q3-23
Slide 6: NII resilience once again demonstrated
NII resilience once again demonstrated 431 409 398 388 Average interest rates 404 385 Q2 25 Q3 25 402 372 -8 398 Internally financed Internally financed 390 -13 lending: 3.27% lending: 3.01% Deposits: 0.91% Deposits: 0.80% 349 485 480 471 439 428 402 410 356 360 398 279 Volumes, SEK bn SEK million 1
Slide 7: Seasonally low personnel costs in Q3
Seasonally low personnel costs in Q3 353 350 326 335 333 324 306 303 289 300 289 287 273 266 Operating expenses, SEK m Cost split Q3-25, % 250 238 200 35 54 150 7 4 100 Personnel Marketing Other Depreciation 50 0 Q3-22 Q4-22 Q1-23 Q2-23 Q3-23 Q4-23 Q1-24 Q2-24 Q3-24 Q4-24 Q1-25 Q2-25 Q3-25 Total exp
Slide 8: Solid capital position
Solid capital position 30 September 2025 31 December 2024 Consolidated situation % SEK m % SEK m Total capital ratio / Own funds 32.0 5,088 23.0 3,941 Total capital requirement1) 17.5 2,789 18.2 3,114 Capital surplus 14.4 2,299 4.8 827 Leverage ratio / Tier 1 Capital 4.8 5,088 5.0 3,941 LR-requireme
Slide 9: Solid capital position
Solid capital position Leverage ratio SEK m CET1 capital SEK m Total capital SEK m 6 000 5 000 6 000 4 500 5 000 5 000 4 000 3,678 3 500 4 000 4 000 3 000 525 Capital conservation Capital conservation 3 000 2 500 3 000 2,789 5,088 P2G Countercyclical buffer Countercyclical buffer Min. P1 1,882 4,288
Slide 10: Brief introduction to Fredrik, CTO since August 2024
Brief introduction to Fredrik, CTO since August 2024 Fredrik Broman CTO since August 2024 30 years of experience from both national and international leading positions, 17 of which within fintech. Extensive experience in developing processes, working with technological architecture and driving cloud
Slide 11: Strong platform, strong team
Strong platform, strong team Homogeneous tech stack High performance Modern architechture • Few components means less • On average 450,700 daily active • Microservices overhead users on the platform in Q3 • Easy to deploy new changes • Easy to move between teams • The largest player in terms of both
Slide 12: How we operate
How we operate 10 areas and 350 employees within Tech and Product Tech (CTO) Product (CPO) Software Platform Data Platform Trade Growth & Activation Core Experience & Operation Platform Digital Workplace Credit & Cash Personalisation Cyber Security Pension QA Team characteristics Team behaviours • T
Slide 13: Going to the cloud – a strategic move to further increase focus on customer value and speed
Going to the cloud – a strategic move to further increase focus on customer value and speed More time spent Better developer Continue to attract creating customer Scalability experience talent value Why Target 2026: Move Target 2030: Moved On track within Target 2025: One service by service at every
Slide 14: Exploring the power of AI
Exploring the power of AI Improving the product Faster development Faster processes • Our extensive customer & trading • Producing code with the help of • AI agents to speed up internal data and savings expertise are generative AI processes competitive strengths that create future potential • LLM an
Slide 15: Well positioned for the future
Well positioned for the future • Strong results with healthy contributions from all income streams • Working on all cylinders and making solid progress within our strategic priorities • Further fiscal policy reliefs and lower interest rate environment makes the outlook even brighter for the Swedish
Slide 16: Opening up for questions
ECR Opening up for questions