Avarda Bank AB (publ) (STO:AVARDA)

Avarda Bank AB Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	5,792	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	28,238	25,232	21,064	18,925	15,262	11,358
Allowance for Loan Losses	-1,941	-1,553	-798.19	-1,055	-607.62	-485.39
Net Loans	26,297	23,678	20,265	17,871	14,654	10,872
Property, Plant & Equipment	102.36	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	74.36	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	67.63	130.52	85.95	57.81	35.28	40.91
Long-Term Deferred Tax Assets	95.23	86.13	7.66	54.28	2.94	4.78
Other Long-Term Assets	149.03	16.05	13.3	5.74	4.1	9.42
Total Assets	32,737	29,118	25,070	23,947	18,376	13,391

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	-	9.06	9.54	10.97	8.42	6.78
Accrued Expenses	292.45	228.24	203.7	161.1	129.97	96.81
Interest Bearing Deposits	28,342	24,692	21,198	20,653	16,108	11,505
Total Deposits	28,342	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	33.29	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	395.2	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	310.38	130.34	116.87	119	80.07	63.79
Total Liabilities	29,374	25,830	22,297	21,786	16,638	11,960

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	107.75	107.75	107.5	107.5	107.5	107.5
Retained Earnings	3,024	2,950	2,413	1,801	1,428	1,052
Comprehensive Income & Other	232.35	230.23	252.19	251.97	203.07	271.37
Total Common Equity	3,364	3,288	2,773	2,161	1,739	1,431
Shareholders' Equity	3,364	3,288	2,773	2,161	1,739	1,431
Total Liabilities & Equity	32,737	29,118	25,070	23,947	18,376	13,391

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	395.2	512.66	434.82	629.06	247.4	221.49
Net Cash (Debt)	5,397	4,243	3,884	5,118	3,292	2,145
Net Cash Growth	53.14%	9.24%	-24.09%	55.44%	53.50%	12.81%
Net Cash Per Share	83.50	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	48.16	46.99	39.11	29.63	23.85	19.08
Tangible Book Value	3,269	3,185	2,655	2,055	1,639	1,349
Tangible Book Value Per Share	46.70	45.40	37.29	27.99	22.31	17.82

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 31, 2026

Data Sources Report a data error