Avanza Bank Holding AB (publ): Preliminary Financial Statement 2025

About this update from Avanza Bank Holding Ab

Fourth quarter 2025 compared to fourth quarter 2024 Operating income increased by 7 per cent to SEK 1,139 million , mainly as a result of higher net brokerage income and net currency-related income. Net fund commissions and net interest income also increased, while other income was lower Operating expenses increased by 20 per cent to SEK 402 million due to higher other expenses, personnel costs and marketing costs. The cost increase for the full year was 10.4 per cent, slightly below the cost guidance of 11 per cent Operating profit amounted to SEK 733 million , an increase of 1 per cent Profit for the period amounted to SEK 626 million , in line with previous year Earnings per share before dilution amounted to SEK 3.90 , a decrease of 2 per cent The Board of Directors proposes a dividend of SEK 12.75 per share (11.75), corresponding to 76 per cent of the profit for 2025 The cost increase 2026 is estimated at 9 per cent, primarily connected to the cloud migration and investments in Private Banking and occupational pensions Events during the quarter Received the Swedish Quality Index’s award for most satisfied customers in the savings category for the 16th consecutive year and ranked number one in every subcategory Was named one of Sweden’s most attractive employers by both Karriärföretagen and Universum Avanza’s savings economist, Felicia Schön, was named “Savings Profile of the Year” by Lannebo and Privata Affärer as well as “Digital Rising Star of the Year” by Consid The first cloud-based service went live – an important milestone in the cloud migration Karin Åge left her position as COO and a member of Group Management. The recruitment of a replacement is ongoing. Following the end of the quarter, Jonas Svärling assumed his role as CFO Quote from Gustaf Unger , CEO Avanza “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”. Q4 Q3 Change Q4 Change Jan-Dec Jan-Dec Change 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: https://investors.avanza.se/en/ir/calendar/upcoming-events/preliminary-financial-statement-2025/ This Preliminary Financial Statement is published in Swedish and English. In the event of any difference between the English version and the Swedish original, the Swedish version shall prevail. For further information please contact: Gustaf Unger , CEO +46 (0)72 142 96 53 [email protected] Jonas Svärling, CFO +46 (0)8 409 420 11 [email protected] Karolina Johansson , Head of IR +46 (0)8 409 422 08 [email protected] 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 . Image Attachments Gustaf Unger , CEO Attachments Avanza Bank Holding AB (publ): Preliminary Financial Statement 2025 © Modular Finance, source Nordic Press Releases

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