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AVANZA III Interim Report January - September 2021 Third quarter 2021 compared to third quarter 2020 Operating income increased by 33 per cent to SEK 767 million . All revenue lines improved , notably fund commissions . Net brokerage income increased as a result of more brokerage - generating customers . Other income increased mainly due to higher income from Avanza Markets and Corporate Finance Operating expenses increased by 9 per cent to SEK 192 million , a result of more staff and consequently higher personnel expenses . Excluding extraordinary relocation costs in the third quarter 2020 , expenses increased by 17 per cent ● ● The cost increase for the full year is estimated at about 15 per cent , as previously announced , excluding extraordinary relocation and rental costs for 2020 and 2021 Operating profit amounted to SEK 574 million , an increase of 45 per cent Profit for the period was SEK 481 million , an increase of 45 per cent The recruitment rate is accelerated as a result of the strong growth , at the same time that the investments in growth continue . The cost increase for 2022 is therefore estimated at around 20 per cent Today Avanza Bank Holding AB ( publ ) is calling an Extraordinary General Meeting on 16 November 2021 to vote on an additional dividend of SEK 2.95 per share for the financial year 2020 Events during the quarter The range of funds was broadened to include Avanza Sverige , a Swedish equity index - tracking fund with exposure to the entire Swedish market at a low fee Ranked as the most recommended financial brand in Sweden by YouGov BrandIndex Awarded as an attractive employer among young people in surveys by Academic Work and Universum No. of customers + 33 % Total 1,588,400 Savings capital + 43 % Total SEK 735 bn Operating income , SEK m Operating expenses , SEK m Operating profit , SEK m Profit for the period , SEK m Earnings per share before dilution , SEK Operating margin , % Return on shareholders ' equity , % Net inflow , SEK m No. of new customers ( net ) No. of customers at the end of the period Savings capital at the end of the period , SEK m Income to savings capital ratio , % Costs to savings capital ratio , % " During the quarter , which was the second best in Avanza's history , we exceeded last year's record level regarding new customers . Customer satisfaction is extremely important to us . Which is why we need to invest further in customer - supporting functions , and also maintain our development agenda . Our goal is a company where we ourselves want to work and be customers , " says CEO Rikard Josefson . Q3 2021 767 -192 574 481 3.10 75 44 Q2 2021 754 -216 536 451 2.91 71 46 18,400 22,900 70,100 85,100 1,588,400 1,518,200 735,000 713,600 0.42 0.44 0.11 0.13 Change % 2 -11 7 7 7 4 -3 -20 -18 5 3 -0.02 -0.02 Q3 Change 2020 575 -177 396 331 2.15 69 55 16,300 79,200 1,194,700 514,200 0.48 0.15 % 33 9 45 45 44 6 -12 13 -11 33 43 -0.06 -0.04 Jan - Sep Jan - Sep Change 2021 2020 2,477 -611 1,643 -541 1,091 1,866 1,563 10.09 917 5.96 66 57 75 53 71,900 57,600 308,000 218,300 1,588,400 1,194,700 735,000 514,200 0.49 0.51 0.12 0.17 % 51 Numbers in the parentheses refer to the corresponding period or date in previous year unless otherwise is stated . For definitions see page 26 . 271694 13 -4 25 41 33 43 -0.01 -0.04