Third quarter 2025 compared to third quarter 2024

• Operating income increased by 19 per cent to SEK 1,142 million, mainly as a result of higher net brokerage income and net currency-related income. Net fund commissions, other income and net interest income also increased
• Operating expenses increased by 8 per cent to SEK 324 million, mainly due to higher other expenses. The cost increase for the full year is estimated at 11 per cent as previously communicated
• Operating profit amounted to SEK 818 million, an increase of 24 per cent
• Profit for the period was SEK 699 million, an increase of 23 per cent
• Earnings per share before dilution amounted to SEK 4.37, an increase of 21 per cent

Events during the quarter

• Jacob Smith was recruited and started as Head of Private & Investment Banking and member of Group Management
• The acquisition of Sigmastocks was finalised and the companies became part of the Avanza Group
• The pension offering was expanded to include digital pension advice through a new collaboration with Lifeplan
• The London Stock Exchange was added to digital trading, which thereby expanded to 15 markets

Quote from Gustaf Unger, CEO Avanza
“Our business model with multiple income streams is showing its best side with strong contributions from both trading and interest-related income. Trading activity has held steady, with foreign trading back at a high level as a share of turnover. This, combined with resilient net interest income, and seasonally low costs, has enabled us today to report an operating profit as high as our previous record for a single quarter. Looking ahead, there is good reason to be hopeful about the Swedish economy, and with that increased savings. We at Avanza stand ready to help our customers achieve great savings”.

A webcast presentation will be held in English by Gustaf Unger, CEO, on 17 October 2025 at 10.00 (CEST). 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/interim-report-january-september-2025/

This Interim report 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
gustaf.unger@avanza.se

Karolina Johansson, Head of IR
+46 (0)8 409 422 08
ir@avanza.se

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 7.9 per cent of the Swedish savings market. Avanza is largest in terms of number of transactions among Swedish banks on the Stockholm Stock Exchange. During the last 15 years Avanza has won SKI’s (Swedish Quality Index) award, “Year’s Most Satisfied Savings Customers”. For more information visit: avanza.se/ir