Enity Bank Group AB (publ)_2026Q1_Interim report_FINAL 2026-04-29
Enity Bank's Q1 results 2026
2026-04-30 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.
| Q1 | Q4 | Q1 | |||
| SEKm | 2026 | 2025 | ∆ | 2025 | ∆ |
| Net interest income | 288.1 | 306.2 | -5.9% | 300.3 | -4.0% |
| Net commission income | 34.8 | 14.1 | 146.8% | - | 100.0% |
| Net gains/losses on financial transactions | -4.5 | -10.0 | -55.2% | -2.1 | 114.5% |
| Share of associate and joint ventures results | 123.8 | 6.6 | 1787.8% | -1.6 | -7672.5% |
| Other operating revenue | 3.2 | 2.6 | 26.4% | 2.7 | 21.8% |
| Total operating income | 445.5 | 319.4 | 39.5% | 299.2 | 48.9% |
| Total operating expenses | -205.7 | -196.1 | 4.9% | -156.3 | 31.6% |
| Profit before credit losses | 239.7 | 123.3 | 94.5% | 142.9 | 67.8% |
| Net credit losses | -27.1 | -18.4 | 47.2% | -31.7 | -14.5% |
| Income tax | -21.1 | -23.8 | -11.5% | -38.8 | -45.7% |
| Profit/loss for the period | 191.6 | 81.1 | 136.3% | 72.5 | 164.4% |
| Lending to the public | 32,090.3 | 30,611.2 | 4.8% | 29,310.0 | 9.5% |
| Deposits from the public | 28,394.7 | 24,517.2 | 15.8% | 22,377.3 | 26.9% |
| Adjusted operating income¹ | 329.5 | 319.4 | 3.1% | 299.2 | 10.1% |
| Adjusted operating expenses¹ | -186.7 | -180.8 | 3.3% | -142.1 | 31.4% |
| Adjusted operating profit¹ | 115.6 | 120.2 | -3.8% | 125.4 | -7.8% |
| Adjusted operating profit less tax¹ | 91.8 | 95.4 | -3.8% | 99.6 | -7.8% |
| Total capital ratio | 16.8% | 17.2% | -2.7% | 19.2% | -12.8% |
| CET1 ratio, % | 13.0% | 13.9% | -6.3% | 17.3% | -24.7% |
| Net interest margin (%)¹ | 3.7% | 4.0% | -8.3% | 4.1% | -11.0% |
| Credit losses, %¹ | 0.24% | 0.26% | -9.2% | 0.23% | 2.5% |
| Adjusted C/I ratio (%)¹ | 56.7% | 56.6% | 0.1% | 47.5% | 19.3% |
| Adjusted RoTE (%)¹ | 16.8% | 14.5% | 16.3% | 15.3% | 9.8% |
| Number of employees | 356 | 285 | 24.9% | 236 | 50.8% |