Avarda Bank AB (publ) (STO:TFBANK)

Revenue by Segment

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Consumer Lending	613.95M	609.26M	606.66M	587.93M	500.49M
Consumer Lending Growth	0.77%	0.43%	3.18%	17.47%	15.69%
Ecommerce Solutions (Excl. Credit Cards)	389.55M	393.34M	319.72M	244.72M	215.16M
Ecommerce Solutions (Excl. Credit Cards) Growth	-0.96%	23.03%	30.65%	13.74%	45.10%
Credit Cards	905.20M	616.31M	414.90M	212.10M	79.08M
Credit Cards Growth	46.87%	48.54%	95.61%	168.23%	251.43%
Total	1.91B	1.62B	1.34B	1.04B	794.72M
Total Growth	17.90%	20.70%	28.38%	31.46%	31.71%

Revenue by Geography

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Germany	1.71B	1.22B	729.43M	334.93M	-
Germany Growth	39.69%	67.77%	117.79%	-	-
Norway	728.84M	686.13M	551.11M	449.75M	-
Norway Growth	6.22%	24.50%	22.54%	-	-
Finland	420.97M	520.46M	475.37M	329.99M	-
Finland Growth	-19.12%	9.49%	44.05%	-	-
Sweden	341.02M	341.70M	279.50M	189.00M	-
Sweden Growth	-0.20%	22.26%	47.88%	-	-
Latvia	199.88M	182.10M	160.18M	124.38M	-
Latvia Growth	9.77%	13.68%	28.79%	-	-
Lithuania	131.66M	120.99M	110.75M	62.73M	-
Lithuania Growth	8.83%	9.24%	76.57%	-	-
Estonia	169.27M	187.89M	172.30M	132.61M	-
Estonia Growth	-9.91%	9.05%	29.93%	-	-
Austria	108.48M	70.14M	40.35M	5.15M	-
Austria Growth	54.66%	73.85%	684.05%	-	-
Denmark	56.04M	34.25M	23.21M	9.73M	-
Denmark Growth	63.64%	47.53%	138.52%	-	-
Poland	20.38M	27.54M	43.27M	38.24M	-
Poland Growth	-26.01%	-36.34%	13.14%	-	-
Spain	15.11M	14.75M	14.05M	795.00K	-
Spain Growth	2.46%	4.98%	1666.67%	-	-
Italy	2.39M	82.00K	-	-	-
Italy Growth	2817.07%	-	-	-	-
Netherlands	2.89M	8.64M	3.90M	-	-
Netherlands Growth	-66.57%	121.49%	-	-	-
United Kingdom	35.00K	-	-	-	-
The Rest of Europe	23.14M	45.51M	45.76M	-	-
The Rest of Europe Growth	-49.16%	-0.54%	-	-	-
Total	3.93B	3.46B	2.65B	1.68B	-
Total Growth	13.44%	30.76%	57.94%	-	-

Source: S&P Global Market Intelligence.