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	2020 - 2016
Period Ending	Apr '26 Apr 9, 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	2020 - 2016
Debt / Equity Ratio	0.11	0.16	0.16	0.29	0.14	0.16	Upgrade
Net Debt / Equity Ratio	-1.25	-1.29	-1.40	-2.37	-1.89	-1.50	Upgrade
Net Debt / FCF Ratio	1.31	1.62	1.83	2.13	0.93	0.84	Upgrade
Return on Equity (ROE)	22.87%	22.01%	25.63%	20.35%	21.61%	22.05%	Upgrade
Return on Assets (ROA)	2.66%	2.46%	2.58%	1.88%	2.16%	2.35%	Upgrade
Payout Ratio	18.18%	20.03%	4.61%	5.00%	10.47%	10.40%	Upgrade
Buyback Yield / Dilution	0.02%	-	-0.21%	-	-	-	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.