Avarda Bank AB Balance Sheet

Financials in millions SEK. Fiscal year is January - December.

Millions SEK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	4,744	4,743	4,259	5,744	3,528	2,366
Investment Securities	139.4	117.27	117.31	0.14	0.15	0.6
Trading Asset Securities	-	12.55	60.22	2.46	11.39	0.24
Total Investments	139.4	129.81	177.53	2.6	11.54	0.84
Gross Loans	26,419	25,232	21,064	18,925	15,262	11,358
Allowance for Loan Losses	-1,870	-1,553	-798.19	-1,055	-607.62	-485.39
Net Loans	24,549	23,678	20,265	17,871	14,654	10,872
Property, Plant & Equipment	69.41	75.18	71.37	60.02	27.62	2.7
Goodwill	20.01	20.01	20.01	12.75	12.75	10.2
Other Intangible Assets	77.59	82.7	97.57	93.09	86.78	71.37
Other Receivables	-	156.37	71.67	45.73	12.7	12.19
Other Current Assets	59.65	130.52	85.95	57.81	35.28	40.91
Long-Term Deferred Tax Assets	132.24	86.13	7.66	54.28	2.94	4.78
Other Long-Term Assets	148.81	16.05	13.3	5.74	4.1	9.42
Total Assets	29,940	29,118	25,070	23,947	18,376	13,391
Accounts Payable	-	9.06	9.54	10.97	8.42	6.78
Accrued Expenses	269.61	228.24	203.7	161.1	129.97	96.81
Interest Bearing Deposits	25,193	24,692	21,198	20,653	16,108	11,505
Total Deposits	25,193	24,692	21,198	20,653	16,108	11,505
Short-Term Borrowings	-	48.53	21.95	227.71	25.68	23.45
Current Portion of Leases	-	16.78	16.99	14.06	-	-
Current Income Taxes Payable	89.23	81.1	63.18	97.33	36.8	36.09
Accrued Interest Payable	-	175.8	251.23	115.39	27.05	24.78
Long-Term Debt	394.79	394.84	345.51	346.91	198.66	198.04
Long-Term Leases	-	52.51	50.37	40.38	23.07	-
Long-Term Deferred Tax Liabilities	0.01	-	11.72	-	-	-
Other Long-Term Liabilities	501.03	130.34	116.87	119	80.07	63.79
Total Liabilities	26,448	25,830	22,297	21,786	16,638	11,960
Common Stock	107.75	107.75	107.5	107.5	107.5	107.5
Retained Earnings	3,155	2,950	2,413	1,801	1,428	1,052
Comprehensive Income & Other	229.57	230.23	252.19	251.97	203.07	271.37
Total Common Equity	3,493	3,288	2,773	2,161	1,739	1,431
Shareholders' Equity	3,493	3,288	2,773	2,161	1,739	1,431
Total Liabilities & Equity	29,940	29,118	25,070	23,947	18,376	13,391
Total Debt	394.79	512.66	434.82	629.06	247.4	221.49
Net Cash (Debt)	4,349	4,243	3,884	5,118	3,292	2,145
Net Cash Growth	9.30%	9.24%	-24.09%	55.44%	53.50%	12.81%
Net Cash Per Share	67.28	65.65	60.10	79.34	51.04	33.25
Filing Date Shares Outstanding	64.65	64.65	64.5	64.5	64.5	64.5
Total Common Shares Outstanding	64.65	64.65	64.5	64.5	64.5	64.5
Book Value Per Share	50.16	46.99	39.11	29.63	23.85	19.08
Tangible Book Value	3,395	3,185	2,655	2,055	1,639	1,349
Tangible Book Value Per Share	48.65	45.40	37.29	27.99	22.31	17.82