Results strengthened by the Uno acquisition
Key take aways in the quarter
| Q1 | Q4 | Q1 | |||
| SEKm | 2026 | 2025 | ∆ | 2025 | ∆ |
| Net interest income | 288.3 | 306.5 | -6.0% | 300.2 | -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 | 11.0 | 1021.9% | 0.9 | 13327.1% |
| Other operating revenue | 3.2 | 2.6 | 26.4% | 2.7 | 21.8% |
| Total operating income | 445.7 | 324.2 | 37.5% | 301.3 | 47.9% |
| Total operating expenses | -210.9 | -202.9 | 4.0% | -189.3 | 11.4% |
| Profit before credit losses | 234.8 | 121.3 | 93.5% | 112.8 | 108.1% |
| Net credit losses | -27.1 | -18.4 | 47.2% | -31.7 | -14.5% |
| Income tax | -20.6 | -23.3 | -11.7% | -32.1 | -35.9% |
| Profit/loss for the period | 187.1 | 79.6 | 134.9% | 49.0 | 281.6% |
| 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 | 329.63 | 324.21 | 1.7% | 301.67 | 9.3% |
| Adjusted operating expenses¹ | -189.7 | -184.7 | 2.7% | -142.2 | 33.4% |
| Adjusted operating profit¹ | 112.8 | 121.2 | -6.9% | 127.8 | -11.7% |
| Adjusted operating profit less tax¹ | 89.6 | 96.2 | -6.9% | 101.5 | -11.7% |
| 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% | -10.9% |
| Credit losses, %¹ | 0.24% | 0.26% | -9.2% | 0.22% | 7.8% |
| Adjusted C/I ratio (%) | 57.6% | 57.0% | 1.1% | 47.1% | 22.1% |
| Adjusted RoTE (%) | 16.9% | 15.9% | 6.2% | 16.8% | 0.7% |
| Earnings per share, kr | 3.63 | 1.48 | 145.7% | 0.98 | 269.9% |
| Number of employees | 356 | 285 | 24.9% | 236 | 50.8% |
Investors, analysts and media are invited to participate in the following event:
Enity, Audiocast with teleconference today at 09:00 CET
Björn Lander, Enity's CEO, and Pontus Sardal, CFO, will present the results, followed by a Q&A session. The presentation and Q&A will be conducted in English.
If you wish to participate via webcast please use the link below. You can ask written questions via the webcast.
https://enity.events.inderes.com/q1-report-2026
If you wish to participate via teleconference please register on the link below. After registration you will be provided phone numbers and a conference ID to access the conference. You can ask questions verbally via the teleconference.
https://events.inderes.com/enity/q1-report-2026/dial-in
This disclosure contains information that Enity Holding AB (publ) is obliged to make public pursuant to the EU Market Abuse Regulation (EU nr 596/2014). The information was submitted for publication, through the agency of the contact person, on 2026-04-30 07:00 CEST.