Strong Q2 results with strengthened net interest income and improved returns.
Q2 2026 summary Y/Y
- Net interest income strengthened by 10%
- Lending grew by 8%, or 6.2% in local currencies, and the net interest margin was stable at 4.2%
- Stable LTM credit loss ratio of 0.27%
- Return on tangible equity improved to 21% LTM
- Balance sheet strengthened with CET1 ratio at 13.9%
| Q2 | Q2 | Q1 | |||
| SEKm | 2026 | 2025 | ∆ | 2026 | ∆ |
| Lending to the public | 32 092 | 29 633 | 8.3% | 32 090 | 0.0% |
| Net interest income | 335 | 305 | 9.7% | 288 | 16% |
| Net commission income | 73 | 4 | 1 573% | 35 | 110% |
| Operating income | 421 | 337 | 25% | 446 | -5.6% |
| Operating expenses | - 243 | - 217 | 12% | - 211 | 15% |
| Net credit losses | - 22 | - 11 | 102% | - 27 | - 18% |
| Operating profit | 155 | 109 | 42% | 208 | - 25% |
| Adjusted operating profit 1) | 173 | 181 | -4.6% | 113 | 53% |
| Profit for the period | 118 | 77 | 52% | 187 | - 37% |
| Net interest margin (%) 1) | 4.2% | 4.1% | 3.7% | ||
| Adjusted C/I ratio excl brokers, % 1) | 45.6% | 41.4% | 52.6% | ||
| Credit loss ratio LTM, % 1) | 0.27% | 0.24% | 0.24% | ||
| Adjusted RoTE, (%) 1) | 28.5% | 24.3% | 16.9% | ||
| CET1 ratio, % | 13.9% | 14.7% | 13.0% | ||
| Earnings per share, SEK | 2.23 | 2.87 | -22% | 3.61 | -38% |
| 1) Alternative performance measures, see page 44 in the Q2 report. | |||||
Investors, analysts and media are invited to participate in the following event:
Enity, Audiocast with teleconference today at 09:00 CET
Björn Lander, CEO, and Pontus Sardal, CFO, will present the results, followed by a Q&A session. The presentation and Q&A will be held in English.
If you wish to follow the presentation via webcast, please use the link below. There will be an opportunity to submit written questions.
https://enity.events.inderes.com/q2-report-2026/register
If you wish to participate via the teleconference, please register via the link below. After registration, you will be provided with phone numbers and a conference ID to access the conference. You will be able to ask questions verbally via the teleconference.
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 can be found on www.enity.com
This information is information that Enity Holding is obliged to make public pursuant to the EU Market Abuse Regulation and the Securities Markets Act. The information was submitted for publication, through the agency of the contact persons set out above, at 2026-07-24 07:00 CEST.