Avanza Bank Holding AB, a leading digital bank in Sweden, focuses on serving private customers through its online platform. The bank's cost-effective strategy is driven by its emphasis on ESG principles, resulting in a medium-risk rating of 24.4. By relying on transaction fees instead of fixed charges, Avanza generates income from a variety of sources such as brokerage fees, net interest income, and fund commissions. Long-term growth for the company hinges on its ability to expand its savings capital and uphold its commitment to sustainability and governance.