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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Avarda Bank
Avarda Bank (AVARDA) investor relations material
Avarda Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary14 Oct, 2026
Executive summary
Q3 operating profit rose 29% YoY to SEK 297.6m; 9M operating profit increased 30% to SEK 798.2m, supported by loan growth and improved risk-adjusted margins.
Loans to the public reached SEK 28.38bn, up 20% YoY in local currencies; customer numbers rose 22% to 3.9m.
Everyday Finance represented 66% of loans and 77% of operating income as capital and customer-acquisition resources shifted from Consumer Lending.
Financial highlights
Q3 operating income rose 29% YoY to SEK 963.6m; 9M operating income increased 28% to SEK 2,686.8m.
Q3 profit was SEK 233.3m, up 29%; EPS rose 30% to SEK 3.51, while adjusted EPS was SEK 3.51 versus SEK 2.70.
9M profit increased 34% to SEK 642.4m; EPS rose 36% to SEK 9.65 and adjusted EPS increased 32% to SEK 9.38.
9M operating expenses rose 19% to SEK 922.7m and net loan losses increased 34% to SEK 965.9m; Q3 expenses rose 21% to SEK 320m and loan losses rose 37% to SEK 346m.
Outlook and guidance
Targets remain a SEK 35bn loan portfolio by H2 2027 at the latest, return on equity well above 20%, and capital ratios at least 2.5 percentage points above requirements.
Everyday Finance is expected to remain the growth engine, with credit cards, app engagement and transaction volumes supporting profitable growth.
Capital structure options, including bond-market financing, were under review after the total capital ratio ended Q3 just below target.
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Latest events from Avarda Bank
- Loan book reached SEK 3,519m as earnings rose; IFRS 9 provisions and capital needs increased.AVARDA
Q1 2018 - Record Q3 earnings and 33% loan growth, with improving credit-loss ratios.AVARDAQ3 2018
- Portfolio growth lifted H1 profit, while higher costs and IFRS 9 provisions weighed on results.AVARDAQ2 2018
- Loans grew 41% as adjusted FY operating profit rose 19.1%.AVARDAQ4 2018
- Loans topped SEK 5bn as operating profit rose 35% and credit-loss ratios improved.AVARDAQ1 2019
- Operating profit rose 32.3% in Q2 as lending growth was led by Norway and the Baltics.AVARDAQ2 2019
- Operating profit rose 30% as loans grew 37%, backed by a SEK 100m Tier 2 issue.AVARDAQ3 2019
- 46% loan growth and 30.6% ROE underpinned continued expansion in 2020.AVARDAQ4 2019
- Loan growth continued, but pandemic uncertainty and higher provisions cut Q1 profit.AVARDAQ1 2020
- Revenue grew, but higher credit losses pressured profit as digital segments expanded.AVARDAQ2 2020
Next Avarda Bank earnings date
Q4 202620 Jan, 2027
Avarda Bank
Next Avarda Bank earnings date
Q4 202620 Jan, 2027
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Frequently asked questions
TF Bank AB provides consumer banking services and e-commerce solutions through its proprietary Information Technology platform for both private individuals and businesses. The platform has enabled TF to provide its customers a wide range of traditional banking products, together with various e-commerce related offerings such as account-, saving-, credit/debit card-, loan- and invoice management services, on a cost-effective multi-channel platform through a single online entry point. TF Bank is based in Borås, Sweden.