Strong Q2 results with strengthened net interest income and improved returns.
Q2 2026 summary Y/Y
| Q2 | Q2 | Q1 | |||
| SEKm | 2026 | 2025 | ∆ | 2026 | ∆ |
| Lending to the public | 32 092 | 29 633 | 8.3% | 32 090 | 0.0% |
| Net interest income | 335 | 305 | 9.7% | 288 | 16% |
| Net commission income | 73 | 4 | 1 573% | 35 | 110% |
| Operating income | 421 | 337 | 25% | 446 | -5.6% |
| Operating expenses | - 243 | - 217 | 12% | - 211 | 15% |
| Net credit losses | - 22 | - 11 | 102% | - 27 | - 18% |
| Operating profit | 155 | 109 | 42% | 208 | - 25% |
| Adjusted operating profit 1) | 173 | 181 | -4.6% | 113 | 53% |
| Profit for the period | 118 | 77 | 52% | 187 | - 37% |
| Net interest margin (%) 1) | 4.2% | 4.1% | 3.7% | ||
| Adjusted C/I ratio excl brokers, % 1) | 45.6% | 41.4% | 52.6% | ||
| Credit loss ratio LTM, % 1) | 0.27% | 0.24% | 0.24% | ||
| Adjusted RoTE, (%) 1) | 28.5% | 24.3% | 16.9% | ||
| CET1 ratio, % | 13.9% | 14.7% | 13.0% | ||
| Earnings per share, SEK | 2.23 | 2.87 | -22% | 3.61 | -38% |
| 1) Alternative performance measures, see page 44 in the Q2 report. | |||||
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://enity.events.inderes.com/q2-report-2026/register
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.