Enity Bank's Q2 results 2026

2026-07-24 07:00:00

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.

	Q2	Q2		Q1
SEKm	2026	2025	∆	2026	∆
Net interest income	334	303	10.3%	288	16%
Net commission income	73	4	1573%	35	110%
Total operating income	421	328	28%	445	-5.6%
Total operating expenses	-238	-159	50%	-206	16%
Profit before credit losses	182	169	8.0%	240	-24%
Net credit losses	-22	-11	102%	-27	-18%
Income tax	-38	-26	46%	-21	80%
Profit/loss for the period	122	32	282%	192	-36%

Lending to the public	32,092	29,633	8.3%	32,090	0.0%
Deposits from the public	26,168	23,769	10.1%	28,395	-7.8%

Adjusted operating profit less tax¹⁾	139	137	1.4%	92	52%
Total capital ratio	17.5%	18.2%		16.8%
CET1 ratio, %	13.9%	14.7%		13.0%
Net interest margin (%) ¹⁾	4.2%	4.2%		3.7%
Credit loss ratio LTM, % ¹⁾	0.27%	0.24%		0.24%
Adjusted C/I ratio (%) ¹⁾	53.0%	43.8%		56.7%
Adjusted RoTE (%) ¹⁾	25.1%	21.7%		16.8%
¹⁾ Alternative performance measures, see page 37 in the Q2 report.

All about the report

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 can be found on www.enity.com

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