Enity Bank's year-end and Q4 results 2025

05 Feb 2026 07:00 CET

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.

Q4  Q3  Q4  Jan-dec  Jan-dec
SEKm 2025 2025 2024 2025 2024
Lending to the 30,611.2 30,514.3 28,832.4 30,611.2 28,832.4
public
Deposits from the 24,517.2 24,143.0 23,202.9 24,517.2 23,202.9
public
Net interest 306.2 308.2 292.6 1,218.0 1,114.4
income
Net interest 4.0% 4.1% 4.1% 4.1% 4.0%
margin (%)
Operating expense -196.1 -167.1 -189.1 -678.2 -685.8
Operating profit 104.9 136.8 80.3 510.8 399.6
Profit/loss for 113.9 111.7 10.2 330.0 256.2
the period
Credit losses, % 0.26% 0.26% 0.16% 0.26% 0.16%
Adjusted C/I 56.6% 46.1% 51.7% 48.5% 51.4%
ratio (%)
Adjusted RoTE (%) 14.6% 19.8% 15.3% 17.6% 16.4%
CET1 ratio, % 14.1% 15.1% 16.7% 14.1% 16.7%
Adjusted 180.8 145.3 148.3 611.7 580.6
operating
expenses
Adjusted 120.2 158.7 121.5 577.2 504.6
operating profit
Adjusted 95.4 126.0 96.5 458.3 400.6
operating profit
less tax
Total capital 17.4% 18.6% 18.7% 17.4% 18.7%
ratio
Number of 285 275 258 285 258
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 2026-02-05 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 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 the corporate website https://enity.com

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664881_ENG_FINAL_Enity_Bank_Group_AB_publ_Year_end_and_Q4_report_January_December.pdf