Avarda Bank AB Ratios and Metrics

Market cap in millions SEK. Fiscal year is January - December.

Millions SEK. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May '26 May 22, 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
Debt / Equity Ratio	0.11	0.16	0.16	0.29	0.14	0.16
Net Debt / Equity Ratio	-1.25	-1.29	-1.40	-2.37	-1.89	-1.50
Net Debt / FCF Ratio	1.31	1.62	1.83	2.13	0.93	0.84
Return on Equity (ROE)	22.87%	22.01%	25.63%	20.35%	21.61%	22.05%
Return on Assets (ROA)	2.66%	2.46%	2.58%	1.88%	2.16%	2.35%
Payout Ratio	18.18%	20.03%	4.61%	5.00%	10.47%	10.40%
Buyback Yield / Dilution	0.02%	-	-0.21%	-	-	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.