Key financial health kpis

65% OF THE PERSONAL LOAN VOLUME IS USED TO REFINANCE
The basis for NOBA's personal loan business is offering flexible, transparent and sustainable loans to creditworthy households. 65% of NOBA's outstanding personal loan volumeis used to refinance costly, small loans and lines of credit. This allows customers to lower their monthly repayments.

89% OF OUR PERSONAL LOAN CUSTOMERS HAVE A RESIDUAL MONTHLY INCOME (ABOVE THE LEFT-TO-LIVE-ON REQUIREMENT) OF SEK 3,000 OR MORE
All customers must have a financial buffer in their personal finances, which we verify in several ways, such as by analyzing their levels of indebtedness and calculating their residual monthly income (what they have left to live on after paying all expenses). More than 93% of our personal loan customers have a residual monthly income of SEK 3,000 or more. We believe that loans should only be offered to creditworthy individuals and households, and customers should never be offered loans they cannot afford. We should never contribute to over-indebtedness of individuals nor society at large.

SPEAKING TO CUSTOMERS IN 20 DIFFERENT LANGUAGES
NOBA customer agents can talk with customers in more than 20 different languages, including Arabic, Tigrinya and Urdu. Naturally, we have a zero-tolerance policy towards all forms of discrimination.

100%
Is the number of mortgage customers who aren’t being accommodated by traditional banking solutions.

GREEN LOANS
NOBA offers green loans, providing incentives for customers to invest in energy-efficient homes, introducing incentives to energy efficiency measures

99.5 % OF CREDIT CARD CUSTOMERS PAY THEIR INVOICE IN DUE TIME
Our credit cards help our customers gain greater flexibility and balance their personal finances.

95%
Of NOBA's employees have been trained in the EU General Data Protection Regulation (GDPR).