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 16th consecutive year | |
Employee engagement |
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| Employee Net Promoter Score of at least 50 | 57 | Very strong ambassadorship |
Long-term value growth |
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| Grow the savings capital in Sweden by an annual average of 15 per cent |
13% | During 2025, the savings capital at Avanza grew by 13 per cent, negatively affected by the closing of external savings accounts |
| Average annual cost increase of 8 per cent | 10.4% | The target is excluding geographical expansion and costs are estimated to be higher at the beginning of the period due to an accelerated cloud migration and strategic priorities within Private Bankingand occupational pension |
| Lower costs to savings capital ratio over time | 14.1 bps | The target was set knowing that individual years it could be adversely impacted by market conditions, which has occured the past two years |
| Return on shareholders' equity of at least 35% (Annual target) |
40% | 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) |
76% | The proposal for 2025 is a dividend of 12.75 (11.75) SEK per share, corresponding to a ratio of 76% with leverage ratio requirement, including Pillar 2 guidance taken into consideration |
Sustainable investments |
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| Strengthen the sustainability score of our customers' investments (redefined in 2025) |
During the year, Morningstar's sustainability rating for fund investments improved from 18.6 to 17.9 among Avanza's customers. The goal is as low a score as possible. In 2025, the target was redefined and theclimate impact of the savings capital is thus included in the target for climate impact linked to sustainable investments. |
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| Climate impact linked to sustainable investments (redefined in 2025) |
During the year, the measurements of greenhouse gas emissions in the value chain were expanded, with a focus on the Group’s so-called financed emissions. We have established interim targets which mean that the carbon intensity (tonnes CO2e per mUSD) for both Avanza Fonder and the savings capital on the platform shall decrease by 50 per cent by 2035, with 2025 as the base year. Furthermore, Avanza Fonder has set a target that 65 per cent of the capital in funds that invest directly in equities shall consist of companies with climate targets validated by the Science Based Targets initiative (SBTi) by 2027 at the latest. This target was achieved in 2025 |
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Savings for millions |
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| Increase gender equality in savings | At year-end, the share of female customers was 40 per cent, slightly higher than at the end of the previous year. The proportion of women among new customers was 45 per cent, and the share of savings capital held by women remained low at 27 per cent |
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| Contribute to financial literacy in society | Contributing to higher financial literacy among the population is part of our daily work. Our content is free, open to everyone, and adapted for all knowledge levels and audiences. In this way, more people can gain access to insights that strengthen their financial independence. Avanza’s social channels have the highest number of followers in the banking industry – a trust we have built through a continuous presence and relevant content that creates added value |
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Responsible organisation |
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| Gender-equal workplace | We believe that diversity enriches our work, and equality is actively promoted in recruitment, development programmes and appointments to senior positions. Our goal is to achieve a gender balance among both managers and employees. Women are underrepresented within IT/Tech, which is affecting the share of women among all employees. We are working actively to broaden the range of candidates in our recruitment processes |
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| Minimise the climate impact of our own operations | Avanza has a low direct environmental impact, and our goal is to reduce emissions from our own operations and our supply chain by 50 per cent by 2035, with 2025 as the base year. Avanza’s emissions are linked to the operation of offices and data centres, as well as the procurement of goods and services |
