Debt Investors

Enity Bank Group values strong, transparent relationships with its debt investors, built on trust and open communication. As a committed and responsible issuer, we provide reliable insights into our financial performance and strategic goals, aligning with our dedication to long-term stability and sustainable growth.

Reliable funding for sustainable growth

Enity Bank Group aims for a diversified funding structure, mainly consisting of retail deposits from the public, covered bonds, and senior unsecured bonds. The funding structure is considered well suited for Enity Bank Group’s assets, which primarily comprise mortgage loans (with a somewhat shorter average life on book compared to those of traditional banks).

Enity Bank Group has a conservative approach to liquidity risk and places excess liquidity in high quality liquid assets. A diversified funding structure reduces risk, promotes cost efficiency and enables flexibility.

Enity Bank Group has obtained a credit rating from Moody’s to provide investors with an external opinion of the bank’s financial and credit position. Enity Bank Group’s covered bond programme is also rated by Moody's.

Issues

MTN-Programme

MTCN-Programme

Other bonds

Ratings

By Moody's

Investor Relations Contact

ir@enity.com

Completion of the cross-border merger with Bank2

On October 31, 2023, Bluestep Bank AB (publ) announced the acquisition of Bank2 ASA. The Boards of Directors of Bluestep and Bank2 resolved on December 7, 2023, to sign a joint merger plan for an intra-group cross-border merger between the two banks.

The Norwegian Financial Supervisory Authority approved the Merger on February 20, 2024, and the Swedish Financial Supervisory Authority announced, on March 7, 2024, its permission to Bluestep Bank to execute the merger plan. On April 2, 2024, the Swedish Companies Registration Office registered the application for registration of the Merger. The Merger is therefore effective as of April 2 and Bank2 has been dissolved.

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