Investor Relations

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​Advanzia Bank S.A. has been based in Luxembourg since its foundation in 2005. As such, we opted for a location that offers a stable political and social environment. In geographical terms, the financial hub of Luxembourg lies at the very heart of Europe, offering easy access to all of the markets of the European Union and the European Economic Area.

The quality of our banking products and services is guaranteed by the legal framework conditions, comprising both Luxembourg and EU regulations.
  • We are subject to Luxembourg banking laws, which are based on the CRD/CRR (Basel) regulations of the EU.
  • Advanzia is checked and regulated by the Luxembourgish Commission de Surveillance du Secteur Financier (CSSF).
  • EU passporting rules enable us to offer our products and services in any country that belongs to the EU and the European Economic Area.
  • As a Luxembourg-based bank, Advanzia is a member of the Fonds de garantie des dépôts Luxembourg (FGDL) deposit protection system, which guarantees customer deposits of up to 100,000 euros.
  • ​Advanzia is an independent bank with a limited number of shareholders. At present the Kistefos Group, which is headquartered in Oslo (Norway), holds 60.3% of the issued shares. Kistefos has been the majority shareholder since 2006. ​

Advanzia in figures


Annual growth rate​
(customer growth)


Cost-income ratio


Return on equity

Annual and quarterly reports

    • 2023

      • Financial Report First Quarter 2023
    • 2022

      • Annual Report 2022
      • Financial Report 2022
      • Financial Report Fourth Quarter 2022
      • Financial Report Third Quarter 2022
      • Financial Report Second Quarter 2022
      • Financial Report First Quarter 2022
    • 2021

      • Annual Report 2021
      • Advanzia Bank Pillar III Report 2021
      • Financial Report 2021
      • Financial Report Fourth Quarter 2021
      • Financial Report Third Quarter 2021
      • Financial Report Second Quarter 2021
      • Financial Report First Quarter 2021
    • 2020

      • Advanzia Bank Pillar III Report 2020
      • Annual Report 2020
      • Financial Report 2020
      • Financial Report Fourth Quarter 2020
      • Financial Report Third Quarter 2020
      • Financial Report Second Quarter 2020
      • Financial Report First Quarter 2020
    • 2019

      • Advanzia Bank Pillar III Report 2019
      • Annual Report 2019
      • Financial Report 2019
      • Financial Report Fourth Quarter 2019
      • Financial Report Third Quarter 2019
      • Financial Report Second Quarter 2019
      • Financial Report First Quarter 2019
    • 2018

Direct contact

We are happy to help with any additional questions that you may have about our company’s key figures.

Sara Nobels

Head of Communication & PR
Telephone: +352 26 38 75 1
Contact us
Sara Nobels – Advanzia Bank

Advanzia Bank’s Board of Directors

  • Bengt Arve Rem, Norway, Chairperson

  • Eirik Holtedahl, Norway

  • ​​​Nishant ​Fafalia, Norway

  • ​​​T​​o​r Erland Fyksen, Luxembourg

  • ​​​Wiljar Nesse, Norway

  • ​​

Media Relations

You can access all Advanzia news, press releases and media downloads here. You can also get in touch with us if you need a spokesperson for your media coverage.

Investor Relations - Media Relations
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