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Beskrivning

LandSverige
ListaLarge Cap Stockholm
SektorFinans
IndustriNischbank
Avanza Bank Holding bedriver bankverksamhet. Tjänsterna som levereras inkluderar bland annat sparande i aktier, fonder, sparkonton samt diverse pensionserbjudanden. Kunderna består av både privata aktörer samt företagskunder, med störst närvaro inom den nordiska marknaden. Tjänsterna nås huvudsakligen digitalt. Banken startade sin verksamhet 1999 och har sitt huvudkontor i Stockholm.
2023-01-20 07:45:00

Fourth quarter 2022 compared to fourth quarter 2021

  • Operating income increased by 3 per cent to SEK 847 million. Net interest income increased due to higher market interest rates. Net brokerage income and net currency-related income decreased as a result of lower trading activity. Fund commissions were lower as well
  • Operating expenses increased by 8 per cent to SEK 273 million, mainly due to higher other expenses and personnel costs
  • Costs for the full year amounted to SEK 1,031 million, which was lower than the previous guidance of between SEK 1,050 million and SEK 1,070 million. Costs for 2023 are estimated at a maximum of SEK 1,160 million
  • Operating profit amounted to SEK 573 million, in line with the fourth quarter last year
  • Profit for the period was SEK 494 million, an increase of 2 per cent
  • Earnings per share before dilution amounted to SEK 3.16, an increase of 2 per cent
  • The Board of Directors proposes a dividend of SEK 7.50 per share (9.20), corresponding to 70 per cent of the profit for 2022

Events during the quarter

  • Avanza was awarded Sweden’s most satisfied customers in the savings category for the thirteenth consecutive year by the Swedish Quality Index
  • The Pension Chase was named Transfer Service of the Year by the business magazine Privata Affärer
  • Placera Forum was relaunched. A popular service for people who want to discuss stocks
  • A total of SEK 53 million is paid to customers regarding stock lending for 2022, of which SEK 27.5 million pertains to the fourth quarter. With the Start offering for funds, SEK 20 million will be refunded to customers for the full-year 2022

Quote from Rikard Josefson, CEO Avanza
“Avanza is reporting a strong profit and good performance on targets despite tough times and a drop in customer activity. Profit was the second highest in Avanza’s history. Net interest income benefited from rising market interest rates, although the effect of additional policy rate hikes diminishes when we share more with our customers. Costs came in lower than expected and we have set a cap for 2023. Without a weaker krona and inflation, this cap would be lower.”


Q4Q3ChangeQ4ChangeJan-DecJan-DecChange
 20222022%2021%20222021%
Operating income, SEK m8477401482432,9733,301–10
Operating expenses, SEK m–273–23815–2538–1,031–86419
Operating profit, SEK m5735021457101,9402,437–20
Profit for the period, SEK m4944331448321,6662,047–19
Earnings per share before dilution, SEK3.162.78143.11210.6913.19–19
Operating margin, %6868069–26574–9
Return on shareholders’ equity, %424214113650–14

        
Net inflow, SEK m–7,4506,03017,90023,60089,800–74
No. of new customers (net)12,70024,100–4771,800–82116,600379,800–69
No. of customers at the end of the period1,776,7001,764,00011,660,10071,776,7001,660,1007
Savings capital at the end of the period, SEK m663,900639,9004809,600–18663,900809,600–18
Income to savings capital ratio, %0.520.460.060.430.090.420.47–0.05
Costs to savings capital ratio, %0.170.150.020.130.040.150.120.02

A webcast presentation will be held by Rikard Josefson, CEO, and Anna Casselblad, CFO, on 20 January 2023 at 10.00 (CEST). The presentation will be held in English and there will be opportunities to ask questions. The presentation can be followed at avanza.se/ir. Further information and registration for participation is available at investors.avanza.se/en/ir/calendar/upcoming-events.

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:
Rikard Josefson, CEO
+46 (0)70 206 69 55
rikard.josefson@avanza.se

Anna Casselblad, CFO
+46 (0)8 409 420 11
anna.casselblad@avanza.se

Sofia Svavar, Chief Communications & IR Officer
+46 (0)8 409 420 17
sofia.svavar@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 more than 1.7 million customers with over SEK 600 billion in total savings capital. This is equivalent to over 6 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 thirteen years Avanza has won SKI’s (Swedish Quality Index) award, “Year’s Most Satisfied Savings Customers”. For more information visit: avanza.se/ir