Enity Bank Group Regulatory

Enity Bank’s results for the third quarter 2025

Delivering on targets

July – September 2025

  • Lending to the public increased by ​8,9%​ on a last twelve-month basis (“LTM”) to ​30 514​ MSEK (​28 008​ MSEK). Adjusted for currency effects, the increase was 10,2%. 
  • Net interest income increased to ​308​ MSEK (​277​ MSEK), an increase of ​11,3%​.  
  • Net credit losses amounted to ​11​ MSEK (​6​ MSEK), corresponding to a credit loss level LTM of ​0,26%​(​0,20%​). 
  • Adjusted operating profit amounted to ​159​ MSEK (​142​ MSEK), an increase of ​11,8%​.
  • Net profit amounted for the quarter to ​112​ MSEK (​102​ MSEK) and adjusted operating profit less tax amounted to ​126​ MSEK (​113​ MSEK). 
  • Adjusted C/I ratio for the quarter amounted to ​46,1%​ (​47,4%​). Excluding the impact of the consolidation of Eiendomsfinans the ratio was 43,1%.  
  • Adjusted RoTE amounted to ​19,8%​ (​18,6%​). 
Jul-Sep Jul-Sep Jan-Sep Jan-Sep Jan-Dec
MSEK 2025 2024 2025 2024 2024
Lending to the public 30 514,3 28 008,5 30 514,3 28 008,5 28 832,4
Deposits from the public 24 143,0 22 107,1 24 143,0 22 107,1 23 202,9
Net interest income 308,2 276,8 911,7 821,8 1 114,4
Net interest margin (%) 4,1% 4,0% 4,1% 4,0% 4,0%
Operating profit 136,8 137,9 405,9 319,0 399,6
Profit/loss for the period 111,7 102,4 216,0 245,7 256,2
Credit losses, % 0,26% 0,20% 0,26% 0,20% 0,16%
Adjusted C/I ratio (%)  46,1% 47,4% 45,7% 51,3% 51,4%
Adjusted RoTE (%)  19,8% 18,6% 19,0% 16,7% 16,4%
CET1 ratio, % 15,1% 16,3% 15,1% 16,3% 16,7%
Adjusted operating profit  158,7 141,9 457,0 383,2 504,6
Adjusted operating profit less tax  126,0 112,7 362,9 304,2 400,6
Total capital ratio 18,6% 18,4% 18,6% 18,4% 18,7%
Number of employees  275 252 275 252 258

This disclosure contains information that Enity Bank Group AB (publ) is obliged to make public pursuant to the EU Market Abuse Regulation (EU nr 596/2014) and the requirements pursuant to § 5 – 12 of the Norwegian Securities Trading Act. The information was submitted for publication, through the agency of the contact person, on 06-11-2025 07:00 CET.

All about the report

For further information, please contact:

Björn Lander, CEO
+46 (0)73 673 1899
bjorn.lander@enity.com

Pontus Sardal, CFO
+46 (0)70 149 9315
pontus.sardal@enity.com

Sofia Svavar, Head of Investor Relations
+46 (0)70 761 80 53
sofia.svavar@enity.com

About Enity

Enity Bank Group is a challenger in the Nordic mortgage market, with a vision to make mortgages accessible to more people – regardless of employment type, financial background or age. Through a portfolio of mortgage banks, Enity offers a modern alternative to traditional banks. Since the group was founded as Bluestep Bostadslån in Stockholm in 2005, its operations have expanded to Norway and Finland, with 60plusbanken added in Sweden and Norwegian Bank2 joining the group in April 2024.

Enity Bank Group is under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Additional information about Enity can be found on our corporate website https://enity.com

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