Investor relations
Advanzia Bank is a high-growth, fully digital bank headquartered in Luxembourg since 2005. With a proven track record of strong profitability and market leadership, we are a recognised player in Europe’s evolving digital banking landscape. Our scalable, branchless business model combines attractive interest margins, cost-efficient operations and disciplined risk management.
Key highlights for investors
European footprint
Products and services available in multiple EU/EEA markets via passporting rules.
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Largest issuer of revolving Mastercard credit cards in Germany with ~23% market share.
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Consistently high returns on equity, supported by strong risk-adjusted net margins and cost-efficient operations.Œ
Asset quality
Granular exposures across geographies and demographics; dynamic in-house developed credit scoring models; active NPL management.
Diversified funding
Increasing participation of institutional investors in the funding mix through hybrid capital, senior debt and securitisation.
Comfortable capital position
Consistent generation of core equity through earnings; total capital improved by hybrid instruments.
Stable ownership
Majority shareholder Kistefos Group since 2006 (currently 61.3%).
Key figures
As of 31 December 2024
Advanzia Bank's Board of Directors
![Bengt Arve Rem](data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" width="422" height="289"><rect fill-opacity="0"/></svg>)
Bengt Arve Rem
![Eirik Holtedahl](data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" width="422" height="281"><rect fill-opacity="0"/></svg>)
Eirik Holtedahl
Kristian Huseby
![Tor Erland Fyksen](data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" width="422" height="351"><rect fill-opacity="0"/></svg>)
Tor Erland Fyksen
![Wiljar Nesse](data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" width="422" height="336"><rect fill-opacity="0"/></svg>)
Wiljar Nesse
Bengt Arve Rem
Eirik Holtedahl
Kristian Huseby
Tor Erland Fyksen
Wiljar Nesse
Bengt Arve Rem
Eirik Holtedahl
Kristian Huseby
Tor Erland Fyksen
Wiljar Nesse
Bengt Arve Rem
Eirik Holtedahl
Kristian Huseby
Tor Erland Fyksen
Wiljar Nesse
Debt Instruments
In 2024, Advanzia performed its inaugural issuance of senior unsecured notes to diversify its funding mix:
Further information (including prospectus) is available on the LuxSE website.
Advanzia issues Tier 2 bonds both as an additional source of funding and to strengthen its capital base.
Advanzia has issued the following instruments:
Advanzia issues Additional Tier 1 (AT1) bonds both as an additional source of funding and to strengthen its capital base.
Advanzia has issued the following instruments:
Ratings assigned to Advanzia by Moody’s Investors Service:
*Long-term rating, applicable to domestic and foreign currencies
For further information, please consult:
Note: A credit rating does not constitute an investment recommendation and can be revised any time.