Enity Bank’s year-end and Q4 results 2025
This report is published by Enity Bank Group AB (publ), which has issued listed debt instruments. It should not be mistaken for the report for Enity Bank Holding AB (publ), whose shares are listed on Nasdaq Stockholm.
| Q4 | Q3 | Q4 | Jan-dec | Jan-dec | |
| SEKm | 2025 | 2025 | 2024 | 2025 | 2024 |
| Lending to the public | 30,611.2 | 30,514.3 | 28,832.4 | 30,611.2 | 28,832.4 |
| Deposits from the public | 24,517.2 | 24,143.0 | 23,202.9 | 24,517.2 | 23,202.9 |
| Net interest income | 306.2 | 308.2 | 292.6 | 1,218.0 | 1,114.4 |
| Net interest margin (%) | 4.0% | 4.1% | 4.1% | 4.1% | 4.0% |
| Operating expense | -196.1 | -167.1 | -189.1 | -678.2 | -685.8 |
| Operating profit | 104.9 | 136.8 | 80.3 | 510.8 | 399.6 |
| Profit/loss for the period | 113.9 | 111.7 | 10.2 | 330.0 | 256.2 |
| Credit losses, % | 0.26% | 0.26% | 0.16% | 0.26% | 0.16% |
| Adjusted C/I ratio (%) | 56.6% | 46.1% | 51.7% | 48.5% | 51.4% |
| Adjusted RoTE (%) | 14.6% | 19.8% | 15.3% | 17.6% | 16.4% |
| CET1 ratio, % | 14.1% | 15.1% | 16.7% | 14.1% | 16.7% |
| Adjusted operating expenses | 180.8 | 145.3 | 148.3 | 611.7 | 580.6 |
| Adjusted operating profit | 120.2 | 158.7 | 121.5 | 577.2 | 504.6 |
| Adjusted operating profit less tax | 95.4 | 126.0 | 96.5 | 458.3 | 400.6 |
| Total capital ratio | 17.4% | 18.6% | 18.7% | 17.4% | 18.7% |
| Number of employees | 285 | 275 | 258 | 285 | 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 2026-02-05 07:00 CET.
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 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 the corporate website https://enity.com