With a business model based on growth, customer satisfaction is our number one ultimate target.
Our recipe for success is a customer focused corporate culture that encourages our employees to create innovative products and offers – that create shareholder value long term. The corporate culture derives its energy from a willingness to change and create a better future for millions of people.
Customer satisfaction | Outcome | Comment |
|---|---|---|
| Sweden's most satisfied savers according to the Swedish Quality Index (SQI) | Achieved for the 15th consecutive year | |
Employee engagement | ||
| Employee Net Promoter Score of at least 50 | 59 | Very strong ambassadorship |
Long-term value growth | ||
| Return on shareholders' equity of at least 35% (Annual target) | 38% | The target ensures a continued focus on profitability and demonstrates the low risk and capital efficient balance sheet |
| Dividend of 70% of the year's profit (Annual target) | 82% | The proposal for 2024 is a dividend of 11.75 (11.50) SEK per share, corresponding to a ratio of 82% with leverage ratio requirement, including Pillar 2 guidance taken into consideration |
| Lower costs to savings capital ratio over time (adjusted from 12 bps by 2025) | 14 bps | The target was set knowing that individual years it could be adversely impacted by market conditions, which has occured the past two years |
Sustainability targets | ||
| Net zero emissions | Emissions for 2024 amounted to 397 ton CO2e and climate offsets of the total emissions were purchased. During 2023, our climate targets were validated by the Science Based Target initiative and Business ambition for 1.5 °C. | |
| Increase gender equality in savings | The share of women on Avanza's platform by yhe end of 2024 was 39%. The share of women among new customers was 45% and the share of savings capital held by women was 26% | |
| Strengthen the sustainability score of our customers' investments | 18.6 | During the year, Morningstar's sustainability rating for fund investments improved from 19.6 to 18.6 among Avanza's customers. The goal is as low a score as possible |
