Enity Bank's results for the third quarter 2025

06 Nov 2025 07:00 CET

Delivering on targets

July - September 2025

· Lending to the public increased by 8,9% on a last twelve-month basis ("LTM")
to 30 514 MSEK (28 008 MSEK). Adjusted for currency effects, the increase was
10,2%.
· Net interest income increased to 308 MSEK (277 MSEK), an increase of
11,3%.
· Net credit losses amounted to 11 MSEK (6 MSEK), corresponding to a credit
loss level LTM of 0,26%(0,20%).
· Adjusted operating profit amounted to 159 MSEK (142 MSEK), an increase of
11,8%.
· Net profit amounted for the quarter to 112 MSEK (102 MSEK) and adjusted
operating profit less tax amounted to 126 MSEK (113 MSEK).
· Adjusted C/I ratio for the quarter amounted to 46,1% (47,4%). Excluding the
impact of the consolidation of Eiendomsfinans the ratio was 43,1%.
· Adjusted RoTE amounted to 19,8% (18,6%).

Jul-Sep Jul-Sep Jan-Sep Jan-Sep Jan-Dec
MSEK 2025 2024 2025 2024 2024
Lending to the 30 514,3 28 008,5 30 514,3 28 008,5 28 832,4
public
Deposits from the 24 143,0 22 107,1 24 143,0 22 107,1 23 202,9
public
Net interest 308,2 276,8 911,7 821,8 1 114,4
income
Net interest 4,1% 4,0% 4,1% 4,0% 4,0%
margin (%)
Operating profit 136,8 137,9 405,9 319,0 399,6
Profit/loss for 111,7 102,4 216,0 245,7 256,2
the period
Credit losses, % 0,26% 0,20% 0,26% 0,20% 0,16%
Adjusted C/I 46,1% 47,4% 45,7% 51,3% 51,4%
ratio (%)
Adjusted RoTE 19,8% 18,6% 19,0% 16,7% 16,4%
(%)
CET1 ratio, % 15,1% 16,3% 15,1% 16,3% 16,7%
Adjusted 158,7 141,9 457,0 383,2 504,6
operating profit
Adjusted 126,0 112,7 362,9 304,2 400,6
operating profit
less tax
Total capital 18,6% 18,4% 18,6% 18,4% 18,7%
ratio
Number of 275 252 275 252 258
employees

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 06-11-2025 07:00 CET.

All about the report (https://www.enity.com/sv/investerare/rapporter-och
-presentationer/enity-bank-group-ab/)

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 Bank Group 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 our corporate website https://enity.com

More information:
Access the news on Oslo Bors NewsWeb site

658871_Enity_Bank_Group_Interim_report_Q3_2025.pdf