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Avanza (AZA) investor relations material
Avanza Company Presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Company Presentation summary2 Sep, 2025
Business model and financial performance
Operates a capital-light, fee-based model with high scalability and low risk, primarily funded by customer deposits and equity.
Net interest income is the largest income source (35% of H1 2025 income), followed by brokerage and fund commissions.
Maintains a strong balance sheet with a CET1 ratio of 26.9% and leverage ratio of 4.8% as of June 2025.
Operating margin remains high at 67% in 2024, with ROE at 38%.
Credit losses are minimal, with no realized losses since 2011 and a conservative loan book.
Market position and customer base
Holds a 7.9% share of the Swedish savings market and 18% of net savings inflow over the last 12 months.
Over 2.18 million customers and SEK 1,039 billion in savings capital as of August 2025.
Largest Swedish participant in stock market transactions (19.7% share in Q2 2025).
High market penetration among ages 20-39, especially in urban areas.
Customer base is diversified, ranging from novices to professional traders.
Customer experience and innovation
Focuses on providing decision-making tools, education, and a world-class user experience rather than direct advice.
Systematic collection of customer data enables rapid product improvements and accessibility enhancements.
Product teams are cross-functional and empowered to innovate and maintain products throughout their lifecycle.
Engages customers in product development through beta testing and feedback systems.
How to capture wealth transfer to next gen?
Impact of expensing tech investments on costs?
What underpins the low credit loss record?
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Next Avanza earnings date
Q3 202517 Oct, 2025
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Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
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Frequently asked questions
Making investing accessible
Avanza is a Swedish online broker that offers a wide range of investment and savings products, including stocks, mutual funds, pension savings, and savings accounts.
The company was founded in 1999 with the mission of democratizing investments and making it easy and accessible for everyone to invest their money.
An easy to use platform
Avanza operates as an online brokerage platform, allowing customers to invest in a variety of financial products at a low cost. The company has a user-friendly platform with tools and resources that make it easy for customers to manage their investments and make informed decisions.
Avanza also offers educational resources such as webinars and articles, to help customers improve their financial literacy and make better investment decisions.
An award-winning company
Avanza is one of the leading players in the digital financial services industry in Sweden, with almost two million customers. The company has received numerous awards and recognition for its innovative platform and customer service, including being named Sweden's best online broker by several publications.
An interesting fact about Avanza is that the company is a pioneer in the sustainable investment space. In 2017, Avanza launched a sustainability rating system for its investment products, which evaluates companies based on their environmental, social, and governance (ESG) performance.
Avanza has also been vocal about the importance of sustainability and responsible investing, advocating for greater transparency and disclosure in the financial industry.
Other Nordic banks with a focus on investment and savings products are Nordnet, Nordea (Nordea Investor), and Swedbank.
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