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 pesonal loan volume – is used to refinance costly, small loans and lines of credit. This allows the customer to minimize their monthly repayments.
89% OF OUR PERSONAL LOAN CUSTOMERS HAVE AN ADDITIONAL MARGIN IN THEIR LEFT-TO-LIVE-ON CALCULATION OF SEK 3,000
All customers must have a financial buffer in their personal finances, which we verify by a number of means such as analysis of their levels of indebtedness and through a left to-live-on calculation. More than 93% of our personal loan customers have an additional margin in their left-to-live-on calculation of SEK 3,000. 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, either of individuals or society at large.
20 DIFFERENT LANGUAGES THAT CUSTOMER SERVICES CAN CONDUCT DIALOGUE IN
NOBA customer operations can conduct a dialogue 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 mortage customers not being accommodated by traditional banking solutions
GREEN LOANS
NOBA's offers green loans, providing incentives for customers to invest in energy-efficient homes, introducing incentives to energy efficiency measures in customers’ existing homes, as well as financing electric cars and electric scooters.
99,5 % OF CREDIT CARD CUSTOMERS PAY THEIR INVOICE IN DUE TIME
With our credit cards, we help our customers gain greater flexibility and balance their personal finances. Through thorough assessments, personalized contact when needed and various knowledge-promoting initiatives targeted at customers and society at large, we help more people achieve healthy finances.
95%
Of NOBA's employees has performed training in GDPR