Avarda Bank Restates 2025 Consumer Lending Figures as Loan Growth and Volumes Surge

TF Bank AB ( (SE:TFBANK) ) has provided an announcement.

Avarda Bank AB has restated its 2025 segment reporting for the Everyday Finance Consumer Lending business, showing total operating income of SEK 2.05 billion and operating profit of SEK 517.7 million, driven by rising net interest income and strong growth in loans to the public. Household lending expanded from SEK 10.99 billion at the end of 2024 to SEK 14.33 billion by year-end 2025, while transaction volumes reached SEK 40.2 billion and active app users climbed to 466,282, underscoring expanding customer activity despite a relatively high net loan loss ratio of 5.8%.

Across the Everyday Finance segment, the cost/income ratio improved over the year, reflecting operating leverage as volumes grew, although credit risk remains a key factor as Stage 3 household loans increased and loan losses stayed elevated. The bank continues to manage part of its credit exposure by selling past due receivables to corporate counterparties, a strategy aimed at balancing profitability and risk and which shapes the composition of its corporate lending within the consumer finance portfolio.

The most recent analyst rating on (SE:TFBANK) stock is a Buy with a SEK182.00 price target. To see the full list of analyst forecasts on TF Bank AB stock, see the SE:TFBANK Stock Forecast page.

More about TF Bank AB

Avarda Bank AB is a consumer finance bank focused on everyday financial services, including consumer lending and credit card-based products delivered via its app. The bank’s portfolio is concentrated in household lending, with a smaller exposure to corporate customers through the purchase of past due receivables, primarily in markets where such sales support its risk and return profile.

Average Trading Volume: 71,614

Technical Sentiment Signal: Strong Buy

Current Market Cap: SEK11.25B

Learn more about TFBANK stock on TipRanks’ Stock Analysis page.