Sustainability at Enity

At Enity Bank Group, we believe that authorities, businesses and individuals all share a responsibility to contribute to positive change. As a modern mortgage bank group, we work for a more inclusive, fair and sustainable society where opportunities for personal freedom are extended to more people.

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 Bank Group’s DNA. With an ambition to really differentiate Enity Bank Group 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 Bank Group is a member of and fully supports the UN Global Compact.

Environment

Enity Bank Group's objective is to measure our carbon footprint in order to set ambitious emissions targets in accordance with the Paris Agreement, as well as identifying tangible initiatives that contribute to this. In the long term, our objective is to offer customers more products that generate incentives for more sustainable choices.

Carbon footprint

Enity Bank Group'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.

Social

Enity Bank Group's social sustainability work applies to both our employees and our customers. We are firmly dedicated to diversity among our employees, and we work actively to increase their well-being. We strive to ensure that we contribute to financial inclusion, therefore our priority is to make continual improvements to the customer journey, while being an active partner with strong social engagement.

Employee well-being

At Enity Bank Group, 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 Bank Group 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 Bank Group 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 Bank Group 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 Bank Group’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 Bank Group 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 Bank Group 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 Bank Group as a bank.

Enity Bank 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 Bank Group's sustainability work.

Published policies

Sustainability policy

Remuneration policy

Code of Conduct policy

Supplier Code of Conduct

Transparency Act (Åpenhetsloven)

The Act aims to promote companies respect for basic human rights and decent working conditions and ensure the public's access to information. The Act requires enterprises to carry out due diligence assessments in order to stop, prevent and limit negative consequences on human rights and decent working conditions. Enity Bank Group AB (publ) and its established branch offices ("Enity" or the "Company") have performed an assessment in accordance with the OECD Guidelines for Multinational Enterprises. The report contains Enity Bank Group's statement including our due diligence assessments under the Transparency Act Statement 2023.

For inquiries regarding Enity Bank Group's human rights work, please contact us at transparencyact@enity.com

The polices and instructions published on this webpage have been approved by the Board of Directors of Enity Bank Group AB (publ). The aim is to publish the policies and instructions in an open, transparent and clear way. Certain information contained in the policies and instructions, which would be inappropriate to disclose publicly have, however, been redacted. Except for this, all information is presented in the same way as in the original documents.