Avanza Bank Holding AB (publ) (AZA) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Welcome to the Aranda Bank interim report January to September 2025 webcast and conference call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there'll be a question and answer session. To ask a question during the session, you will need to press star one and one on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press star one and one again. I would now like to hand the conference over to your first speaker today, Gustav Unger, CEO, please go ahead. Thank you and good morning and welcome everyone to the presentation of Avanza's Q3 report. My name is Gustav Unger. I'm the CEO of Avanza. And with me here in the room today, I have Carolina from HIR and Adnan, who is our interim CFO and also our chief technology officer, Fredrik Broman. Especially welcome to you, Fredrik. Thank you. Today, I will start off by summarizing the quarter and go through the financials. After that, I will hand over to Fredrik, who will give a briefing of our tech and the ongoing cloud journey. Starting with some key highlights from Q3, the business model with multiple revenue streams have been showing its best side with strong contribution from both trading and interest-related income. And we are proud to be reporting a strong operating result, actually matching our previous record for a single quarter. Our customers had a much calmer market environment to navigate, and their net buying of securities nearly doubled since Q2. It has been a productive quarter here at Avanza. On the pension side, we initiated a collaboration with LifePlant. which broadens our pension offering with a comprehensive personal and independent pension advisory service. The acquisition of Sigma stocks fi...