Financial Health and Responsible Lending

Financial Health and Responsible lending

Financial Health and Responsible lending are NOBA´s key ESG topics, underpinned by robust risk management, business ethics, and corporate governance. Our approach to considering a broad range of ESG topics guides our thinking and decision-making, ensuring we remain focused on the right issues and build long-term value in our business. We will continue to engage with our stakeholders to re-evaluate our key ESG topics regularly.

An important step was taken during 2025, as targets for financial health and responsible lending were set:

Customer satisfaction: >88% (2025: 93,2%)
Refinancing of new private loan volumes: >55% (2025: 70%)
Pre-collection reach: 100% (2025: 100%)

Financial Health

We enable financial health for more people, by offering mortgage loans regardless of the applicant’s type of employment, consolidate smaller loans into one to lower monthly payments, and provide flexibility and balance through one of the most popular credit cards in the Nordics. Additionally, we ensure that people over 60 can stay in their homes longer.

Responsible lending

Responsible lending is at the core of our business and a prerequisite for delivering on our promise. We provide tailored financial solutions supported by robust credit assessments, ensuring customers can afford their loans and to avoid contributing to over-indebtedness. Each application is assessed through a well-established process that combines internal models, clear policies, and affordability checks, aligned with regulatory requirements and good lending practices.

Responsible marketing policy

The Healthonomics Report

Banks often discuss financial health in terms of debt and credit losses, and while these aspects are undoubtedly crucial, at NOBA, we look beyond the numbers. We recognize that financial health is far more complex than a mere figure. It reflects the realities of life, with its uncertainties, changes, and long-term financial needs.

By deepening our understanding and promoting collaboration and knowledge sharing, we aim to help reverse the negative effects of financial stress and enable more people to improve their financial health.

Healthonomics Report

The Relationship Report

The Nordax Bank brand publishes the Relationship Report annually, examining people’s relationships with money, their homes and each other. Produced with Linnéa Bruno and included expert comments from the Swedish Gender Equality Agency, the report is part of a broader initiative to work proactively with various aspects of financial health.

The latest Relationship Report

Economista Podcast

The podcast where money and finances are discussed in a fun and easy-going way. Hanna Belander from NOBA and Pingis Hadenius alternate their own conversations with guests and experts where they talk about everything from the global economy, saving, health, relationships to smart everyday finances. In each episode, personal finance issues are discussed from the Economista community.