Solid operating performance and strengthened capital position
”Lending momentum and profitability improved, with credit quality remaining sound,” says Björn Lander, CEO Enity
Q3 2026 summary Y/Y
| Q3 | Q3 | Q2 | |||
| SEKm | 2026 | 2025 | ∆ | 2026 | ∆ |
| Lending to the public | 33,838 | 30,514 | 10.9% | 32,092 | 5.4% |
| Net interest income | 342 | 308 | 11.1% | 335 | 2% |
| Net commission income | 63 | 13 | 385% | 73 | -14% |
| Operating income | 404 | 323 | 25% | 421 | -3.9% |
| Operating expenses | - 227 | - 174 | 30% | - 243 | - 7% |
| Net credit losses | - 26 | - 11 | 123% | - 22 | 14% |
| Operating profit | 152 | 138 | 10% | 155 | - 2% |
| Adjusted operating profit¹ | 170 | 163 | 4.3% | 173 | -1% |
| Profit for the period | 119 | 113 | 5% | 118 | 1% |
| Earnings per share, SEK | 2.3 | 2.1 | 8.1% | 2.2 | 1.2% |
| Net interest margin (%)¹ | 4.2% | 4.1% | +0.1 pp | 4.2% | 0.0 pp |
| Adjusted C/I ratio excl brokers, %¹ | 41.6% | 45.4% | +3.8 pp | 45.7% | +4.1 pp |
| Credit loss ratio LTM, %¹ | 0.31% | 0.26% | +0.1 pp | 0.27% | 0.0 pp |
| Adjusted RoTE, (%)¹ | 25.4% | 20.9% | +4.5 pp | 24.9% | +0.5 pp |
| CET1 ratio, % | 14.2% | 15.1% | -0.9 pp | 13.9% | +0.3 pp |
| 1) See the report for definitions of alternative performance measures | |||||
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://events.inderes.com/enity/q3-report-2026
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.
