NOBA Bank Group AB (publ) Interim Report January – June 2026

SECOND QUARTER OF 2026
(COMPARED WITH THE SECOND QUARTER OF 2025)

• The loan portfolio amounted to SEK 143.3bn (127.6), corresponding to a growth of 12 per cent. The organic growth rate expressed in local currencies amounted to 11 per cent
• Operating profit amounted to SEK 1,436m (1,131), and the adjusted operating profit from core operations^¹ amounted to SEK 1,471m (1,218)
• Adjusted core profit for the period attributable to shareholders^¹ amounted to SEK 1,078m (903)
• Return on equity excluding intangible assets and Tier 1 capital instruments (ROTE) was 25.8 per cent (24.5), and the adjusted return from core operations^¹ (Core ROTE) was 26.9 per cent (26.7)

JANUARY-JUNE 2026
(COMPARED WITH JANUARY-JUNE 2025)

• The loan portfolio amounted to SEK 143.3bn (127.6), corresponding to a growth of 12 per cent. The organic growth rate expressed in local currencies amounted to 11 per cent
• Operating profit amounted to SEK 2,766m (2,179), and the adjusted operating profit from core operations^¹ amounted to SEK 2,832m (2,342)
• Adjusted core profit for the period attributable to shareholders^¹ amounted to SEK 2,048m (1,734)
• Return on equity excluding intangible assets and Tier 1 capital instruments (ROTE) was 24.8 per cent (24.2), and the adjusted return from core operations^¹ (Core ROTE) was 25.7 per cent (26.3)

"WE ARE DELIVERING A LOAN GROWTH OF MORE THAN TEN PER CENT, A STABLE NET INTEREST MARGIN, AND THE NINTH CONSECUTIVE QUARTER OF DECLINING CREDIT LOSS LEVELS."

JACOB LUNDBLAD / CEO

EVENTS DURING THE SECOND QUARTER

On 17 June, NOBA issued Additional Tier 1 bonds with a nomi-nal value of SEK 750m.

On 23 June, NOBA issued senior preferred bonds of SEK 500m and NOK 500m.

During the quarter, NOBA signed a number of portfolio sales involving non-performing loans consisting of portfolios in Norway, Denmark and Finland. These comprised a total gross volume of approximately SEK 400m, with an expected positive impact on earnings in the third quarter.

¹ Adjusted for transformation costs, amortisation of transaction surplus values and the operating segment “Other”

For further information, please contact:

Patrick MacArthur, CFO
E-post: patrick.macarthur@noba.bank

Rickard Strand, Head of Investor Relations
E-post: ir@noba.bank

Oliver Hofmann, Head of Communications & ESG
E-post: press@noba.bank

About NOBA Bank Group

With a diversified offering through our four brands – Nordax Bank, Bank Norwegian, Svensk Hypotekspension and DBT – and over two million customers, we have the size, knowledge and scalability required to enable financial health for more people. NOBA provides specialized, customer-centric financial offerings that are sustainable for the individual, the SME, the bank and society at large, today and in the future. The NOBA group has around 750 full-time employees and is active in eight markets. As of 26 September 2025, the NOBA share is listed on Nasdaq Stockholm.

Read more about NOBA and our brands at www.noba.bank.