Sustainability

Commitment to inclusive and responsible banking

Our aim is to enable economic empowerment for more people and set an example for responsible banking. Our vision is an inclusive society, where everyone can reach their financial potential with the support of responsible and transparent banking services.

Financial inclusion and responsible lending are at the core of Enity’s DNA. With an ambition to really differentiate Enity as the inclusive and responsible mortgage lender in the Nordic region, it is natural to be a member of UNEP FI and a signatory of the Principles for Responsible Banking.

Responsibly increase financial inclusion in society

All of our customers have different needs and preconditions, but what unites them is the exclusion they experience from traditional banks. Exclusion because of credit history, a non-traditional employment type or aging and retirement.

By allowing more people to gain entrance to the housing market or to consolidate debts in a mortgage loan, we believe that we make an important contribution towards increasing individual freedom and financial empowerment, reducing inequalities and segregation in society.

Enity is a member of and fully supports the UN Global Compact.

Carbon footprint

Enity’s carbon footprint is measured in accordance with the requirements of the Greenhouse Gas Protocol. This enables us to set ambitious targets for our internal activities that are consistent with the provisions of the Paris Agreement. We have set clear targets related to the reduction of our carbon footprint. We have identified and implemented several specific initiatives that will contribute to reduced impact, such as the opportunity to sign mortgage agreements digitally, using electronic ID and “green mortgages” in Sweden.

Managing climate risk

To ensure that we assess all climate risks based on their potential impact, we have integrated these into our framework for risk management. Since 2021, we formally support the TCFD recommendations and aims for gradual implementation. This means that, in addition to analyzing the climate impact of our operations, we expand our understanding of how climate change affects our operations.

Employee well-being

At Enity, we are driven by our conviction that our employees constitute our best resource to make a difference. In order to increase our employees’ well-being, we have put in place a range of initiatives that reinforce our employees’ influence, responsibility and general health. We offer flexibility, a comprehensive insurance package and we invest significantly in joint social activities to foster well being and a healthy work-life balance.

To increase our employees’ influence, we strive to increase their engagement in selected strategic decisions, such as to increase diversity, develop new social initiatives, and to promote a sustainable, goal-driven culture. Enity shall be one of the most attractive, inspiring and sustainable workplaces, within financial services. Our objective is to receive a steady Engagement Radar of +80 and continuously keep our eNPS score above 20.

Diversity

We are an inclusive workplace where diversity is, and always has been, a core part of our culture. Our employees come from very diverse backgrounds, with an equal gender distribution. Among other things, we aim to increase gender equality in leading positions, including within senior management. Part of this work also involves the development of diversity in recruitment and potential succession planning for leading positions.

To ensure equal opportunities and career development, we analyse our salary distribution in order to ensure equal salaries. We also place great importance on sharing information about our clear policies for whistleblowing and to combat harassment. Enity is a member of Diversity Charter Sweden.

*Diversity Charter Sweden is a non-profit organisation that works to promote diversity in working life, and that aims to demonstrate the benefits of an inclusive approach to working life and society.

Societal engagement

We strive to be an inclusive bank that demonstrates a strong sense of societal engagement. To take greater responsibility and further expand our social impact, we at Enity are committed to advancing the financial, mental, and physical well-being of the communities we serve. Our approach to social engagement is grounded in impactful partnerships, educational initiatives, and a deep commitment to inclusivity. Recognizing the vital link between financial stability and mental health, we actively work to support vulnerable groups.

In 2024, we strengthened this commitment by partnering with Riksförbundet Hjärnkoll, a leading mental health advocacy organization in Sweden, to help raise awareness about the connection between financial and mental well-being. Inspired by successful programs in Norway, we are also expanding our reach in Finland, collaborating with local organizations to build resilience and stability.

Our commitment extends beyond partnerships. To strengthen Enity’s social engagement, we analyze and continually develop both our current and future digital structures, such as our website, potential budget tools and apps, and webinars.

Improving the customer journey

Enity wants to contribute to financial inclusion, and we constantly strive to improve our customers’ financial well-being, at every step along the journey.

We are always working to simplify and improve our customer experience by offering digital tools that support the customer throughout the entire customer journey, and by measuring which solutions provide the best results for the customer. Another objective is to standardise the material used in the development of our customer understanding, and to minimise the number of documents.

Our customers’ financial knowledge is another important aspect of our work to ensure greater financial inclusion. Enity therefore places great emphasis on this. We do this by, for example, making loan documents and other material easier to understand. The provision of services, such as budgeting tools and digital financial tips, also contributes to increasing customers’ knowledge.

In this regard, we have set the target of reaching 90 percent customer satisfaction in the NKI customer satisfaction index.

Ensuring operational excellence and compliance

For us, governance comprises a broad range of elements, such as our organisation, the responsibilities, roles and targets of management and employees, to the conducting of our business, risk management and our control environment. By ensuring proper internal management and controls, we can operationalise our business model, take care of our customers, and ensure regulatory compliance.

It is of the utmost importance that our management and employees understand and embrace the shared approach to governance, and we therefore review and clarify what governance actually means to Enity as a bank.

The Group´s governance is clarified by means of a number of policies and instructions that cover diverse areas, such as sustainability, conflicts of interest, ethics, remuneration, complaints management, the granting of credit, outsourcing, risk management, capital management, regulatory compliance, processing of personal data, money laundering, information security and reporting.

A transparent bank

We strive to ensure we are a transparent bank, and we therefore make relevant policies, targets and results available to both our customers and to the market. We regard transparency in our approach to governance as an important part of Enity’s sustainability work.