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INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL)

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2INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) INTERIM REPORT THIRD QUARTER OF 2026 THIRD QUARTER OF 2026 (COMPARED WITH THE THIRD QUARTER OF 2025) • The loan portfolio amounted to SEK 151.0bn (131.5), corresponding to a growth of 15 per cent. The organic growth rate expressed in local currencies amounted to 10 per cent • Operating profit amounted to SEK 1,630m (1,161), and the adjusted operating profit from core operations¹ amounted to SEK 1,668m (1,357) • Adjusted core profit for the period attributable to shareholders¹ amounted to SEK 1,213m (1,009) • Basic earnings per share amounted to SEK 2.37 (1.71) and adjusted core basic earnings per share amounted to SEK 2.43 (2.02) • Return on equity excluding intangible assets and Tier 1 capital instruments (ROTE) was 28.5 per cent (23.7), and the adjusted return from core operations¹ (Core ROTE) was 29.6 per cent (28.2) JANUARY-SEPTEMBER 2026 (COMPARED WITH JANUARY-SEPTEMBER 2025) • The loan portfolio amounted to SEK 151.0bn (131.5), corresponding to a growth of 15 per cent. The organic growth rate expressed in local currencies amounted to 10 per cent • Operating profit amounted to SEK 4,397m (3,340), and the adjusted operating profit from core operations¹ amounted to SEK 4,500m (3,699) • Adjusted core profit for the period attributable to shareholders¹ amounted to SEK 3,261m (2,742) • Basic earnings per share amounted to SEK 6.36 (4.92) and adjusted core basic earnings per share amounted to SEK 6.52 (5.48) • Return on equity excluding intangible assets and Tier 1 capital instruments (ROTE) was 25.9 per cent (24.0), and the adjusted return from core operations¹ (Core ROTE) was 26.8 per cent (26.9) • NOBA's Board of Directors proposes, ahead of the planned Extraordinary General Meeting in 2026, an ordinary dividend of SEK 2.70 per share for the period 1 January - 30 September 2026 EVENTS DURING THE THIRD QUARTER On 4 September, NOBA issued subordinated Tier 2 notes with a nominal value of SEK 350m. On 23 September, NOBA issued senior preferred bonds of SEK 350m and NOK 350m. During the quarter, NOBA reached a total lending volume of SEK 150bn, of which the private loan volume reached SEK 100bn. INTERIM REPORT JANUARY – SEPTEMBER 2026 ¹ Adjusted for transformation costs, amortisation of transaction surplus values and the operating segment “Other” ² Adjusted for transformation costs JACOB LUNDBLAD / CEO "NOBA’S LOAN PORTFOLIO SURPASSED SEK 150 BILLION, WITH ALL SEGMENTS CONTRIBUTING TO GROWTH." 3,290 (+13%) OPERATING INCOME (SEK M) Q3 2026 22.6% 2.4% ADJUSTED C/I RATIO² (%) Q3 2026 CREDIT LOSS LEVEL (%) Q3 2026 1,668 (+23%) ADJUSTED CORE OPERATING PROFIT¹ (SEK M) Q3 2026 29.6% CORE ROTE¹ (%) Q3 2026 13.2% COMMON EQUITY TIER 1 CAPITAL RATIO (%) Q3 2026

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3INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) 3INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) THIS IS NOBA With a diversified offering through our four brands – Nordax Bank, Bank Norwe- gian, 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 specialised, customer-centric financial offerings that are sustainable for the individual, the SME, the bank and society at large, today and in the future. NOBA Bank Group AB (publ) (“NOBA”) has around 750 employees and is active in eight markets. As of September 2026, lending amounted to SEK 151bn, and our customers had entrusted us with SEK 119bn in savings. Our business is grow- ing organically with a high and stable earnings capacity, providing us with ample opportunities to be on the offense and expand further organically and potentially also through future acquisitions. As of 26 September 2025, the NOBA share is listed on Nasdaq Stockholm. Our vast expertise in responsible lending has given us a unique understanding of people’s challenges and needs, and together, we have both the knowledge and the capacity to contribute to improved financial health for more people. THE BANK FOR THE NEW NORMAL A DIGITAL FRONTRUNNER THE LEADING EQUITY RELEASE MORTGAGE PROVIDER FINANCING FOR MORE BUSINESSES

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4INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) JACOB LUNDBLAD CEO STABLE DEVELOPMENT IN LINE WITH OUR STRATEGY COMMENTS FROM THE CEO ON THE THIRD QUARTER ONE YEAR AS A LISTED COMPANY On 26 September 2025, together with NOBA’s Board of Directors, management and employees, I rang the bell at Nasdaq Stockholm. Our listing gave new investors the opportunity to take part in NOBA’s continued development, but it did not change our strategic direction. One year later, we can conclude that we have continued to execute our established strategy, which is built on profitable and responsible growth, strategic acquisitions and attractive returns to shareholders. For quite some time, specialist banks have been taking market share from larger banks across several product areas. We are convinced that this trend will continue and that NOBA, as the leading speci- alist bank in the Nordics, is well positioned to benefit from it. Our capabilities in credit risk assessment and pricing have been conti- nuously refined over the past 20 years. Combined with our recently implemented core banking platform, this creates a clear competi- tive advantage and enables scalable growth for many years to come. NOBA’s strong capital generation creates room for both high growth and attractive capital distributions to our shareholders. STABLE FINANCIAL DEVELOPMENT During the third quarter, NOBA continued to deliver stable financial results and took further steps towards our financial targets. Total lending surpassed SEK 150 billion, while personal loan volumes exceeded SEK 100 billion. Organic lending growth amounted to 10 per cent in local currencies, once again with contributions from all segments. Significant exchange rate movements affected reported volumes, income and expenses during the quarter. The C/I ratio was 23 per cent, and we continue to see a clear path towards our C/I ratio tar- get of below 20 per cent during 2027. Although the third quarter is seasonally strong and profitability can be volatile between quarters, it is pleasing to see that Core ROTE for the third quarter amounted to 30 per cent, in line with our target. In light of the results for the first nine months of the year, NOBA’s Board of Directors proposes an ordi- nary interim dividend of SEK 2.70 per share. Alongside our stable financial performance, we are pleased that MSCI awarded NOBA an ESG rating of AA in October. The rating pla- ces us in the top tier of our peer group and recognises the work we do in financial health and responsible lending. CONTINUED IMPROVEMENT IN CREDIT QUALITY The positive development in credit quality continued during the third quarter. The credit loss level was 2.4 per cent, registering an improvement for the tenth consecutive quarter. During the summer, we divested another portfolio of non-performing loans. Once again, completing this transaction at a price above book value, which fur- ther underlines the quality of NOBA’s loan book and provisions. "NOBA’S LOAN PORTFOLIO SURPASSED SEK 150 BILLION, WITH ALL SEGMENTS CONTRIBUTING TO GROWTH." In the third quarter, market expectations of future policy rate hikes rose across the Nordic economies. We stand by our previous assess- ment of how rising interest rates may affect credit quality. Even if the rate increases that the market expects were to materialise, we do not believe they would have any material impact on our credit quality. This assessment is based both on the improvements we have made to our underwriting processes in recent years and on the resilience we see among our customers. Any rate increases are also expected to occur gradually over the coming years, in contrast to the sharp rise in interest rates that Nordic households experienced during the pre- vious rate hike cycle. LOOKING AHEAD WITH CONFIDENCE With one year as a listed company behind us, and another strong quarter of growth and profitability, I´m looking ahead with great confidence. We are, of course, mindful that unexpected events and changing market conditions may affect our journey going forward. But given the strategy we have set out and the scalable platform we have built, I am confident that we have positioned ourselves in the best possible way to tackle these challenges, while deliver- ing attractive returns to our shareholders for many years to come. Finally, I would like to thank all our employees for your efforts dur- ing our first year as a listed company, and our shareholders for the trust you have shown in us.

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5INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) KEY FIGURES FOR THE GROUP In addition to the financial measures defined by IFRS, NOBA presents alternative performance measures that provide investors and management with valuable supplementary information for evaluating NOBA’s financial development and position. These alternative performance measures, which are not defined according to IFRS and which are explained on pages 67-69, are not necessarily comparable with performance meas- ures with similar names used by other companies. They should also not be regarded as substitutes for the financial reporting performance measures that are prepared according to IFRS. 1 Adjusted for transformation costs, amortisation of transaction surplus values and the operating segment “Other” 2 Adjusted for RSUs and dilution effect of potential shares in the long-term equity-based programmes 3 Adjusted for transformation costs KEY FIGURES FOR THE GROUP JUL-SEP 2026 JUL-SEP 2025 ∆ JAN-SEP 2026 JAN-SEP 2025 ∆ Income statement (SEKm) Operating income 3,290 2,913 12.9% 9,286 8,348 11.2% Operating expenses -742 -803 −7.6% -2,110 -2,062 2.3% Credit losses -883 -918 −3.9% -2,678 -2,850 −6.0% Operating profit 1,630 1,161 40.4% 4,397 3,340 31.6% Adjusted core operating profit¹ 1,668 1,357 22.9% 4,500 3,699 21.7% Adjusted core profit for the period attributable to shareholders¹ 1,213 1,009 20.2% 3,261 2,742 18.9% Net profit for the period 1,253 903 38.8% 3,366 2,606 29.2% of which attributable to shareholders 1,183 855 38.4% 3,179 2,460 29.2% of which attributable to holders of Tier 1 capital 70 48 46.8% 187 146 28.3% Basic earnings per share (SEK) 2.37 1.71 38.4% 6.36 4.92 29.2% Diluted earnings per share (SEK)² 2.36 1.71 38.2% 6.35 4.92 29.1% Statement of financial position (SEKm) Lending to the public 151,004 131,459 14.9% 151,004 131,459 14.9% Deposits from the public 118,914 111,704 6.5% 118,914 111,704 6.5% Key figures (%) Common Equity Tier 1 capital ratio 13.2% 14.1% 13.2% 14.1% Total capital ratio 16.4% 17.9% 16.4% 17.9% Net interest margin 8.3% 8.4% 8.1% 8.2% C/I-ratio 22.6% 27.6% 22.7% 24.7% Adjusted C/I-ratio³ 22.6% 22.2% 22.7% 21.9% Credit loss level 2.4% 2.8% 2.5% 3.0% Return on equity excluding intangible assets and Tier 1 capital instruments (ROTE) 28.5% 23.7% 25.9% 24.0% Adjusted core return on equity excluding intangible assets and Tier 1 capi- tal instruments (Core ROTE)¹ 29.6% 28.2% 26.8% 26.9% Return on total assets 2.7% 2.2% 2.6% 3.2% Adjusted core basic earnings per share (SEK)¹ 2.43 2.02 6.52 5.48 Average number of full-time employees (FTE) 751 682 739 670

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6INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) SIGNIFICANT EVENTS IN THE THIRD QUARTER On 1 July, NOBA issued SEK 200m of senior preferred bonds as a tap of outstanding bonds maturing in June 2029. On 4 September, NOBA issued subordinated Tier 2 notes with a nom- inal value of SEK 350m. On 23 September, NOBA issued senior preferred bonds of SEK 350m and NOK 350m. On 30 September, NOBA called for early redemption of its Additional Tier 1 notes of SEK 1,400m and subordinated Tier 2 notes of SEK 650m. During the quarter, NOBA reached a total lending volume of SEK 150bn, of which the private loan volume reached SEK 100bn. During the quarter, NOBA completed the portfolio sales of non-per- forming loans, referred to in the second-quarter report, comprising portfolios in Norway, Denmark and Finland. These amounted to a total gross volume of approximately SEK 400m, with a positive impact on earnings. SIGNIFICANT EVENTS AFTER THE END OF THE PERIOD On 1 October, NOBA issued SEK 300m and NOK 300m of senior pre- ferred bonds in a tap outstanding senior preferred bonds maturing in October 2029. After the end of the quarter, NOBA’s Chief Technology Officer, Adam Wiman, announced his decision to leave the company. He will remain in his role through the end of the first quarter of 2027, and NOBA has initiated the recruitment of his successor. HIGHLIGHTS OF RECENT YEARS AFFIRMED CREDIT RATING FROM NORDIC CREDIT RATING NOBA SIGNED THE UN PRINCIPLES FOR RESPONSIBLE BANKING LAUNCH OF EXTERNAL AI CHATBOT PUBLICATION OF THE RELATIONSHIP REPORT COMPLETED MIGRATION TO NOBA BANK'S NEW CORE BANKING PLATFORM SAVINGS PRODUCTS WERE LAUNCHED IN THE IRISH MARKET – NOBA’S EIGHTH MARKET NOBA RECEIVED THE RATING C- FROM ISS ESG NOBA CLAIMS THE TOP SPOT IN CUSTOMER SATISFACTION NOBA ACQUIRES DBT CAPITAL AB AND THEREBY ESTABLISHES AN SME VERTICAL LENDING VOLUME REACHES 150 BILLION AFFIRMED CREDIT RATING FROM NORDIC CREDIT RATING FIRST SECURITISATION OF NON-PERFORMING LOANS THE NOBA SHARE IS LISTED ON NASDAQ STOCKHOLM AFFIRMED CREDIT RATING WITH IMPROVED OUTLOOK FROM NORDIC CREDIT RATING NOBA PUBLISHES ITS FIRST CSRD REPORT H1 2024 H2 2024 H2 2025 H1 2026 H2 2026H1 2025

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7INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) 1 Reported operating profit of SEK 1,630m (1,161) adjusted by transformation costs of SEK 0m (-157), scheduled amortisation of intangible transaction surplus values of SEK -35m (-32) and the adjusted operating profit of SEK -3m (-8) from the segment ”Other”. THIRD QUARTER OF 2026 (Compared with the third quarter of 2025, unless otherwise stated) OPERATING INCOME Operating income was SEK 3,290m (2,913), corresponding to an increase of 13 per cent compared with the same period in the previous year. Net interest income grew to SEK 3,054m (2,712). The underlying net interest margin (NIM), adjusted for changes in the number of interest days and currency fluc- tuations, was 8.3 per cent (8.3), which is a slight increase compared with the previous quarter and largely unchanged compared to the corresponding quarter previous year. The reported NIM for the third quarter amounted to 8.3 per cent (8.4). Net fee and commission income was SEK 243m (234), where the increase was due to insurance-related income. OPERATING EXPENSES Operating expenses were SEK -742m (-803) over the period, corresponding to an decrease of 8 per cent compared with the same period previous year. Excluding transformation costs, the expenses amounted to SEK -742m (-646), corresponding to an increase of 15 per cent. This is due to the consolidation of DBT, increased administrative costs and increased sales costs. Of the total costs, SEK -13m are related to DBT, and excluding those the cost increase amounted to 13 per cent. Transformation costs were SEK 0m (-157). The adjusted C/I ratio amounted to 23 per cent (22). CREDIT LOSSES Credit losses were SEK -883m (-918), corresponding to 2.4 per cent (2.8) of average lending. The decrease was primarily driven by lower provisions related to loans in Stage 3. AMORTISATION OF TRANSACTION SURPLUS VALUES The amortisation of transaction surplus values was SEK -35m (-32), as scheduled. This is in all essentials related to the allo- cation of intangible surplus values from the acquisition of Bank Norwegian and does not affect cash flows or capital adequacy, as the asset has already been deducted from own funds. OPERATING PROFIT Operating profit was SEK 1,630m (1,161), corresponding to an increase of 40 per cent compared with the same period in the previous year. The increase was due to revenue growth as well as lower operating expenses and credit losses. ADJUSTED CORE OPERATING PROFIT As the bank’s profit in recent years has been affected by trans- formation costs, profit and loss related to the segment “Other”, and amortisation of intangible transaction surplus values pri- marily related to Bank Norwegian, operations are also reported based on adjusted core operating profit, which excludes the effect of these items. As of the second quarter 2025, transfor- mation costs only include costs related to the strategic review, which was finalised with the stock exchange listing in the third quarter 2025. The final transformation costs were reported in the fourth quarter 2025. During earlier periods, costs related to the integration of Bank Norwegian and the change of the core banking system were also included. Adjusted core operating profit was SEK 1,668m (1,357)¹, cor- responding to an increase of 23 per cent compared with the same period in the previous year, where the increase was due to revenue growth and lower credit losses. JANUARY-SEPTEMBER 2026 (Compared with January-September 2025, unless otherwise stated) OPERATING INCOME Operating income was SEK 9,286m (8,348), corresponding to an increase of 11 per cent compared with the same period in the previous year. Net interest income grew to SEK 8,644m (7,788) driven by an increasing portfolio volume. Net fee and commission income was SEK 669m (641), where the increase was due to insurance-related income. OPERATING PROFIT AND ADJUSTED OPERATING PROFIT Operating profit was SEK 4,397m (3,340), corresponding to an increase of 32 per cent compared with the same period in the previous year. The increase was mainly driven by revenue growth, but also by lower credit losses. The adjusted core oper- ating profit amounted to SEK 4,500m (3,699), corresponding to an increase of 22 per cent. THE GROUP'S DEVELOPMENT

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8INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) VOLUME GROWTH THIRD QUARTER OF 2026 (Compared with the third quarter of 2025, unless otherwise stated) Compared with the previous year, growth in lending was solid, and all segments grew, including the segment "Other" through the acquisition of DBT. Total lending was SEK 151.0bn (131.5). The reported growth amounted to 15 per cent. The organic growth in local currencies amounted to 10 per cent. Lending in the Private Loans segment was SEK 105.2bn (92.5). Lending in the Credit Cards segment was SEK 22.6bn (19.5). Lending in the Secured segment was SEK 21.6bn (18.8). The number of active and semi-active credit cards in the Nordic region and Germany was roughly 1.4m (1.3)1. LIQUIDITY AND FINANCIAL INVESTMENTS THIRD QUARTER OF 2026 (Compared with the third quarter of 2025, unless otherwise stated) The liquidity reserve was SEK 19,862m (20,226), primarily comprising secured bonds and balances with central and Nor- dic banks. The liquidity coverage ratio (LCR) was 144 per cent (171). The net stable funding ratio (NSFR) was 108 per cent (112). FUNDING THIRD QUARTER OF 2026 (Compared with the third quarter of 2025, unless otherwise stated) NOBA has a diversified funding structure with various sources of capital, distributed over banks, the capital market and deposits from the public. Deposits from the public is the largest source of funding at SEK 118,914m (111,704). Over the period, funding through financing against pledges with international banks and repo transactions increased to SEK 24,914m (20,943) and through corporate bonds to SEK 6,386m (4,055). In addition to existing sources of financing, NOBA, in Febru- ary 2026, established a commercial paper programme. As of 30 September 2026, SEK 1,691m (-) was funded through the programme. The Swedish National Debt Office makes regular assessments of which Swedish credit institutions should be categorised as liquidation institutions and resolution institutions respectively, based on the institutions’ impact on the financial system in the event of default. NOBA is currently categorised as a liquida- tion institution. During the third quarter of 2026, NOBA was informed that the Swedish National Debt Office had initiated an in-depth analysis to assess whether the authority should, going forward, categorise NOBA as a resolution institution. A decision is expected to be made in December 2026. 1 Refers to cards that were active in the last six months or had a performing balance. CAPITAL AND CAPITAL RATIOS THIRD QUARTER OF 2026 (Compared with the third quarter of 2025, unless otherwise stated) Common Equity Tier 1 capital increased to SEK 15,760m (14,561). Common Equity Tier 1 capital was strengthened by the profit recognised over the period. The increase was reduced by the foreseeable ordinary dividend of SEK 1,350m for the first to the third quarters of 2026, the dividend of SEK 1,550m paid in May 2026, and deductions for goodwill and intangible assets that stem from the acquisition of DBT. The total risk exposure amount increased by 15 per cent to SEK 119,334m (103,581), driven by growth in lending and the acqui- sition of DBT. Three percentage points of the increase in the risk exposure amount were attributable to the weakening of the Swedish krona against the other lending currencies during the period. As of 30 September 2026, the Common Equity Tier 1 capital ratio was 13.2 per cent (14.1), the Tier 1 capital ratio was 15.1 per cent (16.2) and the total capital ratio was 16.4 per cent (17.9). At the same point in time, the capital requirement were a Com- mon Equity Tier 1 capital ratio of 10.3 per cent (10.2), a Tier 1 capital ratio of 12.0 per cent (12.0) and a total capital ratio of 14.4 per cent (14.3). See note 5 for further information on NOBA's calculation of capital. Countercyclical buffer rates in the countries where NOBA has operations remained unchanged over the period. NOBA’s coun- tercyclical buffer requirement was 1.6 per cent. The leverage ratio was 9.6 per cent (10.1). DIVIDEND NOBA’s Board of Directors proposes, ahead of the planned Extraordinary General Meeting in 2026, an ordinary dividend of SEK 2.70 per share for the period 1 January–30 September 2026, corresponding to SEK 1,350m.

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9INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) PRIVATE LOANS SEGMENT OVERVIEW, Q3 2026 (Compared with Q3 2025, unless otherwise stated) NOBA offers unsecured private loans under the Nordax Bank and Bank Nor- wegian brands. The segment has some 600k Nordic customers. The average out- standing private loan amounts to about SEK 180k. LOAN PORTFOLIO DEVELOPMENT The total loan portfolio in the Private Loans segment was SEK 105.2bn (92.5). In local currencies, the portfolio grew by 11 per cent over the year, while currency effects had a positive impact on the loan growth of 3 per cent. The increased lending volume was mainly due to new customers. Private loans in Sweden were SEK 41.3bn (36.3). In Finland, the loan portfolio was EUR 3.06bn (2.85). Lending was NOK 18.7bn (17.8) in Norway, while it reached DKK 6.4bn (5.3) in Denmark. FINANCIAL PERFORMANCE The total income in the segment amounted to SEK 2,368m (2,056), cor- responding to an increase of 15 per cent compared with the same period the previous year. Revenue growth was primarily driven by higher lending volumes and higher net commission income. The net interest margin (NIM¹) amounted to 8.9 per cent in the quar- ter (8.8). NIM, adjusted for changes in the number of interest-generating days and currency fluctuations, amounted to 8.8 per cent (8.7). During the quarter NIM experienced some headwinds from delayed pass-through of higher rates to customers. The segment's operating expenses were SEK -461m (-432), corresponding to an increase of 7 per cent. The cost increase was mainly due to higher other adminis- trative expenses. The C/I ratio was 19 per cent (21). Credit losses were SEK -651m (-744) over the quarter, corresponding to a credit loss level of 2.5 per cent (3.3). The adjusted operating profit2 in the segment increased by 43 per cent and amounted to SEK 1,256m (879). (For further segment information, see Note 8) SEGMENT CUSTOMERS On average, NOBA’s Private Loan cus- tomers are 49 years old with an average monthly income of roughly SEK 50k. Roughly 66 per cent of customers own their homes. NOBA offers private loans of up to SEK 800k. The average customer has an outstanding loan of roughly SEK 180k. LENDING (SEKbn) NIM AND CREDIT LOSSES NIM (%) Credit losses (%) Income (SEK m) C/I ratio (%) INCOME AND C/I RATIO 1 Refers to net interest margin, which is defined in the “Definitions” section. 2 Operating profit adjusted for amortisation of surplus values from transactions. 3 “Core” refers to core operations, or the total of all NOBA’s operations, excluding the “Other” segment. SHARE OF NOBA’S TOTAL LENDING WITHIN CORE OPERATIONS3 SHARE OF NOBA’S (ADJUSTED) CORE3 OPERATING PROFIT 70% 75% Q2 26 Q3 26Q3 25 Q4 25 Q1 26 93.0 96.9 92.5 99.9 105.2 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 8.8% 8.7% 8.4% 8.6% 8.9% 3.3% 3.3% 3.2% 2.9% 2.5% Q2 26 Q3 26Q3 25 Q4 25 Q1 26 2,056 2,101 2,104 2,190 2,368 21% 21% 21% 21% 19%

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10INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) CREDIT CARDS SEGMENT OVERVIEW, Q3 2026 (Compared with Q3 2025, unless otherwise stated) NOBA offers credit cards under the brand Bank Norwegian. The segment has approximately 1.6 million product customers in the Nordic countries and Germany. At the end of the quarter, the segment had roughly 1.4m active and semi-active cards. LOAN PORTFOLIO DEVELOPMENT The total loan portfolio in the Credit Card segment was SEK 22.6bn (19.5). In local currencies, the portfolio grew by 10 per cent over the year, while currency effects increased the growth rate by 6 percentage point. The increased lending volume was both due to new custom- ers and increased lending to existing customers. In Norway, credit card loans amounted to NOK 9.1bn (8.2). In Sweden, the loan portfolio amounted to SEK 4.4bn (4.2), while in Finland it amounted to EUR 0.37bn (0.35). FINANCIAL PERFORMANCE The total income in the segment was SEK 715m (662), corresponding to an increase of 8 per cent compared with the same period previous year. The reve- nue growth was primarily due to higher lending volumes. The net interest mar- gin (NIM¹) amounted to 10.3 per cent in the quarter (10.5). NIM, adjusted for changes in the number of interest-gen- erating days and currency fluctuations, amounted to 10.4 per cent (10.4). Operating expenses were SEK -218m (-170), corresponding to an increase of 28 per cent. The increase is mainly explained by higher sales and adminis- trative costs. The C/I ratio amounted to 30 per cent (26). Credit losses were SEK -176m over the quarter (-140). Thus, the credit loss level ended at 3.2 per cent (2.9). The adjusted operating profit2 decreased by 9 per cent to SEK 322m (352) during the quarter. (For further segment information, see Note 8) SEGMENT CUSTOMERS The segment has roughly 1.6m product customers in total. New customers are offered up to roughly SEK 150k in credit. Our customers appreciate our digital registration process, the possibility of an interest-free period of 45 days, the earn- ing of CashPoints and cashback and the fact that no annual fees are charged. LENDING (SEKbn) NIM AND CREDIT LOSSES NIM (%) Credit losses (%) INCOME AND C/I RATIO Income (SEK m) C/I ratio (%) 1 Refers to net interest margin, which is defined in the “Definitions” section. 2 Operating profit adjusted for amortisation of surplus values from transactions. 3 “Core” refers to core operations, or the total of all NOBA’s operations, excluding the “Other” segment. SHARE OF NOBA’S TOTAL LENDING WITHIN CORE OPERATIONS3 SHARE OF NOBA’S (ADJUSTED) CORE3 OPERATING PROFIT 15% 19% Q2 26 Q3 26Q3 25 Q4 25 Q1 26 19.5 19.6 20.5 21.1 22.6 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 10.5% 11.0% 10.5% 10.4% 10.3% 2.9% 3.8% 3.1% 3.0% 3.2% Q2 26 Q3 26Q3 25 Q4 25 Q1 26 662 636 642 659 715 26% 28% 24% 27% 30%

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11INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) SECURED SEGMENT OVERVIEW, Q3 2026 (Compared with Q3 2025, unless otherwise stated) NOBA offers residential mortgages to people who are excluded by the major banks, for example, due to non-conven- tional forms of employment. NOBA also offers equity release mortgage products to senior borrowers who wish to free up value from their homes. The segment has roughly 20k product customers in Sweden and Norway. The average outstanding mortgage amounts to approximately SEK 1.4m, and the aver- age outstanding equity release mortgage amounts to approximately SEK 0.9m. LOAN PORTFOLIO DEVELOPMENT The total loan portfolio in the Secured segment was SEK 21.6bn (18.8). In local currencies, the portfolio grew by 12 per cent over the year, while currency effects increased the growth rate by 2 percentage point. The total lending vol- ume was SEK 10.9bn (8.3) for mortgages and SEK 10.7bn (10.5) for equity release mortgages. FINANCIAL PERFORMANCE The total income in the segment was SEK 172m (181), corresponding to a decrease of 5 per cent compared with the same period in the previous year. The net interest margin (NIM¹) amounted to 3.4 per cent in the quarter (3.9) and was negatively affected by a higher share of new sales consisting of mortgages to the near-prime segment, where NIM is lower but the risk-adjusted return is considered attractive. NIM, adjusted for changes in the number of interest-gen- erating days and currency fluctuations, amounted to 3.4 per cent (3.9). Operating expenses were SEK -46m (-39), corresponding to a increase of 17 per cent compared to the same period previous year. The C/I ratio was 27 per cent (22). Credit losses in the quarter were SEK -36m (-16), corresponding to a credit loss level of 0.7 per cent (0.3). The higher credit loss level was mainly driven by higher interest rate expectations, which affected provisions within Svensk Hypotekspension. The segment's adjusted operating profit2 amounted to SEK 90m (126), a decrease of 29 per cent compared with the previ- ous year. (For further segment information, see Note 8) SEGMENT CUSTOMERS The segment has roughly 20k customers in Sweden and Norway. The average loan- to-value ratio was roughly 75 per cent for residential mortgages and roughly 43 per cent for equity release mortgages. On average, customers repay their loans in roughly 2-3 and 10 years, respectively. LENDING (SEKbn) NIM AND CREDIT LOSSES NIM (%) Credit losses (%) INCOME AND C/I RATIO Income (SEK m) C/I ratio (%) 1 Refers to net interest margin, which is defined in the “Definitions” section. 2 Operating profit adjusted for amortisation of surplus values from transactions. 3 “Core” refers to core operations, or the total of all NOBA’s operations, excluding the “Other” segment. SHARE OF NOBA’S TOTAL LENDING WITHIN CORE OPERATIONS3 SHARE OF NOBA’S (ADJUSTED) CORE3 OPERATING PROFIT 14% 5% Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 18.8 19.2 20.1 20.7 21.6 Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 3.9% 3.8% 3.4% 3.5% 3.4% 0.3% 0.4% 0.7% 0.0% 0.2% Q3 25 Q4 25 Q1 26 Q2 26 Q3 26 181 179 168 174 172 22% 26% 27% 29% 27%

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12INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) OTHER OVERVIEW NOBA is one of Europe’s leading specialist banks. NOBA provides retail customers with private loans, credit cards, mortgages, equity release mortgages and deposits under three brands: Nordax Bank, Bank Norwegian and Svensk Hypotek- spension. As of 2026, the bank also offers lending to small and medium-sized enterprises under the brand DBT. NOBA has a broad offering in four Nordic countries and offers credit cards and deposit products in Germany and deposit products in Spain, the Netherlands and Ireland. HISTORY AND DEVELOPMENT NOBA Bank Group AB (publ), formerly operating under the company names Nordax Bank AB (publ) and Nordax Finans AB (publ), was incorporated on 15 July 2003, and registered with the Swedish Companies Registration Office (Bolagsverket) on 26 August 2003, with the object of offering private loans to individuals in the Nordic region. On 27 January 2004, NOBA was granted a license by the Swedish Financial Supervisory Author- ity to conduct financing operations as a credit market company under the Swedish Financing Business Act (1992:1610) (replaced by the Swedish Banking and Financing Business Act (2004:297) on 1 July 2004) and commenced lending operations to Swedish customers in February 2004. Throughout its history, NOBA has grown both organically and through acquisitions. Under the Nordax Bank brand, NOBA commenced cross-border lending operations in Norway in 2006, Finland in 2007 and Germany in 2012. Through its mort- gage offering, NOBA began focusing on individuals whose mortgage applications are often rejected by traditional banks due to factors such as non-standard employment, short credit histories or other reasons, despite having generally strong per- sonal financial profiles. In 2018, NOBA acquired Svensk Hypotekspension, a specialist provider of equity release mortgages. These loans are secured against residential properties and are available to Swedish res- idents aged 60 and above. Following the acquisition, Svensk Hypotekspension operates as a subsidiary of NOBA, enhancing NOBA’s product offering in the equity release mortgage market. In 2021, NOBA acquired a Norwegian bank, Bank Norwegian, which operated as a subsidiary until the merger at the end of 2022. In 2024, an intra-group merger was performed between NOBA Bank Group AB (publ), NOBA Group AB (publ) and NOBA Hold- ing AB (publ), which resulted in the dissolution of the two latter entities. On 26 September 2025, the NOBA share was listed on Nasdaq Stockholm. In 2026, NOBA acquired all shares in DBT, a player in the Swed- ish market for lending to small and medium-sized enterprises and through the acquisition, an SME vertical was established. THE EXTERNAL ENVIRONMENT AND ITS IMPACT NOBA’s operations are affected by the macroeconomic sit- uation, particularly in the Nordic countries and Germany. Household and small and medium-sized business demand for loans and the ability to repay them depend on GDP develop- ment and related factors, such as unemployment rates, interest rates and property prices. During the quarter, the world was also still marked by significant concern related to the conflict in the Middle East. NOBA has not seen any material negative impact on its operations from this concern. SIGNIFICANT RISKS AND UNCERTAINTY FACTORS The group is exposed to credit risks and other financial risks, such as market risk and liquidity risk. The group is also exposed to operational risks such as IT risks, process risks and external risks, compliance risks, risks of exposure to financial crime and business risks. For further information, please see the section “Risks and risk management” on pages 27–29 of NOBA’s 2025 Annual Report.

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13INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) The maximum dilution resulting from LTIP 2026 may amount to approximately 0.26 per cent of the total number of shares and votes in the Company. Taking into account recalculation at net value and the value cap, the dilutive effect will not exceed 0.11 per cent of the total number of shares and votes. The warrant plans are implemented on market terms. For fur- ther information, please visit noba.bank/investor-relations. The number of registered and outstanding shares as of 30 Septem- ber 2026 was 500,000,000. SHARE RIGHTS (RSUS) During the third quarter, 95,518 new shares were subscribed for through the exercise of warrants and the related share issue. The shares are used to cover the first delivery of shares under the RSU programme granted to key employees in 2025. The increase in share capital of SEK 13,888 is recognised as an ongoing share issue as of 30 September 2026. The new share issue was registered with the Swedish Companies Registration Office (Bolagsverket) on 1 October 2026. Following the regis- tration, the number of shares amounts to 500,095,518 and the share capital to SEK 72,713,888. During the third quarter of 2026, the Group entered into an equity swap for to the future acquisition of shares, intended to cover the next delivery of shares under the RSU programme. SEASONAL VARIATIONS The demand for private loans exhibits some seasonal varia- tions, with an increase in demand during holiday periods, such as in the summer and before the Christmas holidays. The use of credit cards is also generally higher in the summer months due to increased travel. There are also some seasonal variations for credit losses, as tax refunds have a positive impact in the spring. When comparing quarters, the number of days in each period also has an impact on the net interest income. FINANCIAL TARGETS • An annual organic loan growth, in local currencies, of at least 10 per cent in the medium term. NOBA's total lend- ing volume shall amount to SEK 250bn by the year 2030. • The adjusted C/I ratio shall be below 20 per cent in the medium term. • Core ROTE shall be approximately 30 per cent in the medium term. • The Common Equity Tier 1 (CET1) ratio shall be 13-15 per cent. • Dividend policy: 1) Dividend corresponding to 40 per cent of the adjusted core profit attributable to shareholders1. 2) To ensure that NOBA maintains a CET1 ratio within the target range, it is NOBA's intention to distribute excess capital to the company's shareholders. BOARD OF DIRECTORS The board of directors of NOBA Bank Group AB (publ) com- prises Hans-Ole Jochumsen, Chairman, and Board Members Birgitta Hagenfeldt, Martin Tivéus, Christopher Ekdahl, Ricard Wennerklint, Ragnhild Wiborg, Patrick Lapveteläinen and the employee representative Leslie Restovic Lopez. MANAGEMENT TEAM The management team of NOBA Bank Group AB (publ) com- prises: Chief Executive Officer Jacob Lundblad, Chief Financial Officer Patrick MacArthur, Chief Operating Officer Malin Jöns- son, Chief Product Officer Private Loans Per Alinder, Chief Technology Officer Adam Wiman, Chief Legal Officer Matthias Frost, Chief Credit & Analytics Officer Markus Kirsten, Chief Risk Officer Olof Mankert (co-opted), Chief Marketing Officer & Chief Product Officer Credit Cards Fredrik Mundal, Branch Manager and Branch CFO Mats Benserud, Chief Compliance Officer Elin Öberg Shaya (co-opted), Chief People Officer Malin Frick and Chief Product Officer SME & Secured Johan Magnuson. EMPLOYEES The average number of full-time employees (FTE) in the group was 739 (670) from 1 January - 30 September 2026. At the end of the period, the group had 752 employees (FTEs). SHARE-RELATED INCENTIVE PLANS WARRANTS At an Extraordinary General Meeting held on 25 September 2025, it was resolved to issue warrants under two incentive plans. Incentive plan 1, for members of the group manage- ment team and other key individuals, divided into three series ("Series 2025/2027", "Series 2025/2028" and "Series 2025/2029"), and Incentive plan 2 ("Series 2025/2028:2") for certain members of the Board of Directors. The outstanding incentive programmes comprise a maximum of 10,699,006 warrants, each entitling the holder to subscribe for one share in NOBA. Of these, 224,268 warrants have been repurchased and cancelled. If all transferred warrants under the outstand- ing plans are exercised, the maximum dilutive effect would amount to no more than 2.05 per cent. However, as a result of repurchases, the recalculation at net value and the application of an upper value cap, the dilutive effect of the warrants is not expected to exceed 0.81 per cent. At the Annual General Meeting held on 21 May 2026, it was resolved to issue warrants as part of a long-term incentive programme. The programme comprises 1,300,000 warrants ("Series 2026/2029"), each entitling the holder to subscribe for one share in NOBA, of which 999,252 are held in treasury. 1 The dividend distributed during the fourth quarter is based on the adjusted core profit attributable to shareholders generated during the first nine months of the fiscal year and is resolved upon by an extraordinary general meeting. The dividend distributed during the second quarter is based on the adjusted core profit attributable to shareholders generated during the last quarter of the previous year and is resolved upon by the annual general meeting.

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14INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) FINANCIAL STATEMENTS — GROUP GROUP SEKm NOTE JUL-SEP 2026 APR-JUN 2026 JUL-SEP 2025 JAN-SEP 2026 JAN-SEP 2025 Operating income Interest income 9 4,081 3,864 3,648 11,586 10,766 of which interest income according to the effective interest method 4,035 3,819 3,592 11,453 10,580 Interest expense 9 -1,027 -997 -936 -2,943 -2,978 Total net interest income 3,054 2,867 2,712 8,644 7,788 Commission income 10 355 317 307 968 874 Commission expenses 10 -111 -99 -73 -299 -233 Net profit from financial transactions 11 -8 -30 -32 -26 -81 Total operating income 3,290 3,055 2,913 9,286 8,348 Operating expenses General administrative expenses 12 -476 -458 -560 -1,385 -1,410 Depreciation/amortisation and impairment of property and equip - ment and other intangible assets -33 -30 -21 -87 -57 Other operating expenses 13 -233 -215 -222 -639 -595 Total operating expenses -742 -702 -803 -2,110 -2,062 Profit before credit losses 2,548 2,353 2,110 7,176 6,286 Net credit losses 14 -883 -883 -918 -2,678 -2,850 Operating profit before amortisation of transaction surplus values 1,665 1,470 1,192 4,498 3,436 Amortisation of transaction surplus values -35 -34 -32 -101 -96 Operating profit 8 1,630 1,436 1,161 4,397 3,340 Tax on profit for the period -377 -326 -257 -1,031 -733 Profit for the period 1,253 1,110 903 3,366 2,606 Attributable to: The Parent Company’s shareholders 1,183 1,050 855 3,179 2,460 Holders of Tier 1 capital 70 59 48 187 146 Basic earnings per share, SEK 2.37 2.10 1.71 6.36 4.92 Diluted earnings per share, SEK 2.36 2.10 1.71 6.35 4.92 INCOME STATEMENT, CONDENSED CONSOLIDATED

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15INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) STATEMENT OF COMPREHENSIVE INCOME, CONDENSED CONSOLIDATED GROUP SEKm JUL-SEP 2026 APR-JUN 2026 JUL-SEP 2025 JAN-SEP 2026 JAN-SEP 2025 Profit for the period 1,253 1,110 903 3,366 2,606 Items to be reclassified in the income statement Gains and losses on revaluation of cash flow hedges during the period 85 -51 34 83 5 Tax on gains and losses on revaluation of cash flow hedges during the period -18 11 -7 -17 -1 Total cash flow hedges 68 -41 27 66 4 Debt instruments at fair value through other comprehensive income -6 25 12 17 15 Tax on debt instruments at fair value through other comprehensive income 1 -5 -2 -4 -3 Total debt instruments at fair value through other comprehensive income -5 20 10 14 12 Translation of foreign operations 1,579 86 108 3,113 -563 Tax on translation of foreign operations -195 -2 -12 -350 67 Hedge accounting of net investment in foreign operations -1,229 -145 -149 -2,457 157 Tax on hedge accounting of net investment in foreign operations 253 30 31 506 -32 Total translation of foreign operations 409 -31 -22 812 -371 Items not to be reclassified in the income statement Equity instrument at fair value through other comprehensive income 2 0 - 2 -39 Total equity instrument at fair value through other comprehensive income 2 0 - 2 -39 Total other comprehensive income for the period 474 -51 14 894 -395 Total comprehensive income for the period 1,727 1,058 918 4,260 2,212 Attributable to: The Parent Company’s shareholders 1,657 999 870 4,073 2,066 Holders of Tier 1 capital 70 59 48 187 146

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16INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) STATEMENT OF FINANCIAL POSITION, CONDENSED CONSOLIDATED GROUP SEKm NOTE 30 SEP 2026 31 DEC 2025 Assets Cash and balances with central banks 6,7 346 1,146 Treasury bills eligible for repayment, etc. 6,7 1,860 1,698 Lending to credit institutions 6,7 8,726 5,339 Lending to the public 4,6,7 151,004 132,341 Bonds and other fixed-income securities 6,7 14,838 13,557 Other shares 6,7 7 7 Derivatives 6,7 1,016 452 Intangible assets 8,655 7,587 Property and equipment 151 168 Current tax assets 25 23 Deferred tax assets 317 105 Other assets 6,7 1,193 413 Prepaid expenses and accrued income 189 74 Total assets 188,328 162,909 LIABILITIES, PROVISIONS AND EQUITY Liabilities Liabilities to credit institutions 6,7 24,914 19,351 Deposits from the public 6,7 118,914 107,870 Issued securities 6,7 8,107 4,375 Derivatives 6,7 1,452 409 Current tax liabilities 899 683 Deferred tax liabilities 528 527 Other liabilities 6,7 1,099 1,151 Accrued expenses and deferred income 655 486 Subordinated liabilities 6,7 2,236 1,804 Total liabilities 158,803 136,656 Equity Share capital 73 73 Other contributed capital 4,544 4,533 Other funds -605 -1,499 Tier 1 capital instruments 3,684 2,928 Retained earnings 18,463 16,607 Profit for the year 3,366 3,611 Total equity 29,525 26,253 Total liabilities, provisions and equity 188,328 162,909

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17INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) STATEMENT OF CHANGES IN EQUITY, CONDENSED CONSOLIDATED GROUP SEKm TOTAL Opening balance 1 January 2026 73 4,533 -1,507 -53 61 20,217 23,324 2,928 26,253 Comprehensive income Net profit/loss for the period - - - - - 3,179 3,179 187 3,366 Other comprehensive income - - 812 15 66 - 894 - 894 Total Comprehensive income - - 812 15 66 3,179 4,073 187 4,260 Paid interest in Tier 1 capital instruments - - - - - - - -187 -187 Issued Tier 1 capital instruments - - - - - - - 741 741 Change in Tier 1 capital instruments - - - - - -14 -14 14 0 Warrant issue² - 11 - - - - 11 - 11 Repurchase of warrants - -0 - - - -0 -0 - -0 Dividend paid - - - - - -1,550 -1,550 - -1,550 Ongoing new share issue³ 0 - - - - -0 0 - 0 Share swap - - - - - -3 -3 - -3 Closing balance 30 September 2026 73 4,544 -694 -38 127 21,829 25,842 3,684 29,525 Opening balance 1 January 2025 73 4,476 -839 -30 32 16,803 20,516 2,163 22,678 Comprehensive Income Net profit/loss for the period - - - - - 2,460 2,460 146 2,606 Other comprehensive income - - -371 -27 4 - -395 - -395 Total Comprehensive income - - -371 -27 4 2,460 2,066 146 2,212 Paid interest in Tier 1 capital instruments - - - - - - - -148 -148 Change in Tier 1 capital instruments - - - - - -16 -16 16 - Share-based remuneration - - - - - 17 17 - 17 Warrent Issue - 58 - - - - 58 - 58 Closing balance 30 September 2025 73 4,534 -1,210 -57 36 19,264 22,640 2,177 24,817 Retained earnings incl. profit for the period Cash flow hedges¹Translation of foreign ope - rations, net¹Other contributed capitalShare capital Fair value reserve¹ Tier 1 capital instrumentsSum ¹ Other funds 2 In connection with the acquisition of DBT Capital AB, the company issued warrants under several programmes. The warrants were subscribed for by the company's employees for a total value of SEK 8m. As the participants paid fair market value at the time of subscription, no expenses have been recognised in connection with the issuance of the warrants. At NOBA Bank Group AB (publ)´s Annual General Meeting held on 21 May 2026, a resolution was passed to issue warrants under a long-term incentive programme. As the participants paid fair market value at the time of subscription, no expenses have been recognised in connection with the issuance of the warrants. As of the balance sheet date, warrants with a value of SEK 2.8m have been subscribed. 3 Relates to 95,518 shares subscribed during the third quarter of 2026 through the exercise of warrants for the delivery of shares under NOBA´s RSU programme. The increase in share capital amounts to SEK 13,888. The new share issue was registered with the Swedish Companies Registration Office (Bolagsverket) on 1 October 2026.

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18INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) STATEMENT OF CASH FLOWS, CONDENSED CONSOLIDATED GROUP SEKm NOTE 30 SEP 2026 30 SEP 2025 Operating activities Operating profit 4,397 3,340 Adjustment for non-cash items 15 4,009 3,971 Paid income tax -1,009 -589 Cash flow from operating activities before change in operating assets and liabilities 7,397 6,721 Change in operating assets and liabilities Decrease/increase in treasury bills eligible for repayment, etc. -162 -167 Decrease/increase in lending to credit institutions 54 - Decrease/increase in lending to the public -15,213 -13,442 Decrease/increase in deposits from the public 5,330 1,246 Decrease/increase in bonds and other interest-bearing securities -139 -4,586 Decrease/increase in issued securities 3,603 2,143 Decrease/increase in liabilities to credit institutions 4,452 4,557 Change in derivatives, net -999 -798 Decrease/increase in other assets -811 -312 Decrease/increase in other liabilities -49 192 Cash flow from operating assets and liabilities -3,934 -11,167 Total cashflow from operating activities 3,463 -4,446 Investing activities Business acquisition -397 - Acquisition of property and equipment and intangible assets -183 -155 Cash flow from investing activities -579 -155 Financing activities Paid shareholder contribution -1,550 - Issued subordinated loans 350 - Issued Tier 1 captial instruments¹ 741 - Paid interest Tier 1 Captial instruments -187 -148 Issued warrants 11 - Repurchase of warrants 0 - Ongoing new share issue 0 - Payment of share swap -3 - Cash flow from financing activities -638 -148 Cash flow for the period 2,245 -4,749 Cash and cash equivalents at the beginning of the period 6,265 12,077 Acquired cash and cash equivalents 199 - Exchange rate differences in cash and cash equivalents at the end of the period 198 -82 Cash and cash equivalents at the end of the period 8,907 7,246 Cash and cash equivalents are defined as cash and balances with central banks and lending to credit institutions (excluding the Riksbank's deposit requirement). Pledged lending to credit institution under Note 16 are available to NOBA in connection with monthly settlement under financing agreements and are therefore defined as cash and cash equivalents due to their being pledged for a maximum of 30 days and therefore short-term. ¹ Additional setup costs during Q3 2026 of SEK 3m.

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19INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOBA Bank Group AB (publ) (Corporate Identity Number 556647-7286), with its registered office in Stockholm, Sweden, is the parent company in the NOBA Bank Group. The group includes the parent company, where the Norwegian branch, NOBA Bank Group AB (publ) NUF is a part, a number of direct subsidiaries of NOBA Bank Group AB (publ), the subsidiary Svensk Hypotekspension AB with its subsidiaries and the sub - sidiary DBT Capital AB with its subsidiaries. The Group’s business involves lending to the public through private loans, credit cards, residential mortgage loans, equity release products, and small to medium-sized enterprise loans, as well as receiving deposits in Sweden, Norway, Denmark, Finland, Germany, Spain, the Netherlands, and Ireland. The primary business of NOBA Bank Group AB's (publ) direct subsidiaries, as well as the subsidiaries of Svensk Hypotekspension, is to acquire loan portfolios originated by NOBA Bank Group AB (publ) and Svensk Hypotekspension, respectively. This is done with the purpose of raising loan or bond financing, as well as to optimize loan portfolios within the group structure. Some of these companies are dormant and currently do not conduct any operations. NOBA's share was listed on Nasdaq Stockholm on 26 Septem - ber 2025. NOTES NOTE 1 GENERAL INFORMATION

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20INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) The interim report has been prepared according to IAS 34, Interim Financial Reporting. The consolidated accounts for the NOBA Bank Group have been prepared in accordance with International Financial Reporting Standards (IFRS Accounting Standards), as adopted by the EU, together with the Annual Accounts Act for Credit Institutions and Securities Companies (1995:1559), the Swedish Corporate Reporting Board´s recommendation RFR 1, Supplementary Accoun - ting Rules for Groups, and the Swedish Financial Supervisory Authority’s regulations and guidelines FFFS 2008:25 Annual accounts for credit institutions and securities companies . The report has been prepared in accordance with the same accounting principles and calculation methods that were applied in the annual report for 2025. No new or amended laws, accounting standards or interpretations with material effect entered into force in 2026. The financial statements are presented in Swedish kronor and all figures are rounded to millions of kronor (SEKm) unless otherwise indicated. No adjustments for rounding are made, therefore summation differences may occur. During the third quarter of 2026, the equity swap entered into by the Group is classified as an equity instrument in accordance with IAS 32, as the contract provides for physi - cal settlement through the delivery of a fixed number of own shares for a fixed amount of cash. The consideration paid under the equity swap is recognised as a reduction in equity at inception of the contract. FUTURE REGULATORY CHANGES IFRS 18 Presentation and Disclosure in Financial Statements The IASB published the new IFRS 18 Presentation and Disclosure in Financial Statements standard on 9 April 2024, which replaces IAS 1 P resentation of Financial Statements . The standard, which has been adopted by the EU, will be applied as of the 2027 financial year. IFRS 18 sets out new requirements for the presentation and disclosure of infor - mation in financial statements, with a particular focus on the income statement and enhanced transparency surrounding management-defined performance measures. The changes that IFRS 18 will bring about for NOBA are as follows: - NOBA assesses that its operations mainly comprise providing financing to customers through lending, which constitutes a “specified main business activity”. Consequently, essentially all income and expenses will be classified in the operating category. - Management-defined performance measures (MPMs), as defined by management, will be presented in the notes. The standard is not expected to entail any material effects on the presentation and disclosure for NOBA. Nor is the standard expected to have any financial impact on NOBA, as IFRS 18 focuses on presentation and disclosure in financial state - ments. Work is ongoing during 2026 at NOBA to analyse the effects of the new standard. Other changes in IFRS Accounting Standards None of the other forthcoming changes in the accounting regulations issued for application are assessed to have a material impact on NOBA's financial reports, capital adequacy, large exposures or other circumstances according to the applicable regulatory requirements. NOTE 2 ACCOUNTING AND MEASUREMENT POLICIES

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21INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 4 FINANCIAL RISK MANAGEMENT — GROUP MAXIMUM EXPOSURE TO CREDIT RISK SEKm 30 SEP 2026 31 DEC 2025 Credit risk exposures relate to the balance sheet as follows: Cash and balances with central banks 346 1,146 Treasury bills eligible for repayment, etc. 1,860 1,698 Lending to credit institutions 8,726 5,339 Lending to the public 151,004 132,341 Bonds and other fixed-income securities 14,838 13,557 Total on-balance 176,774 154,081 Unutilised loan commitments 75,109 63,009 Total off-balance 75,109 63,009 The assets above are recognised at carrying amount in accor - dance with the balance sheet. Cash and balances with central banks, treasury bills eligible for repayment, etc., lending to credit institutions, as well as bonds and other fixed-income securities refer to exposures to, among others, Swedish and Norwegian counterparties. Of the treasury bills eligible for repayment, etc., SEK 1,860m (1,698) consists of financial instruments measured at fair value through other comprehen - sive income. Bonds and other fixed-income securities amount to SEK 14,838m (13,557), of which SEK 486m (814) are finan - cial instruments measured at fair value through profit or loss, SEK 13,998m (12,340) are financial instruments measured at fair value through other comprehensive income, and SEK 355m (404) are financial instruments measured at amortised cost (relating to securitization, SRT transactions). Of lending to the public, SEK 148,260m (130,068) constitutes financial instruments measured at amortised cost and SEK 2,744m (2,274) constitutes financial instruments measured at fair value through profit or loss (for further information, see Note 6). Loans to the public that are measured at fair value through profit or loss relate to equity release credits secured by real estate. The geographical concentrations of risk for loans to the public are presented in a table on the next page. Presentation of consolidated financial statements in conformity with IFRS Accounting Standards requires the executive management to make judgments and estimates that affect the recognised amounts of assets, liabilities and disclosures of contingent assets and liabilities as of the reporting date as well as the recognised income and expenses during the reporting period. The executive management team continuously evaluates these judgments NOTE 3 SIGNIFICANT ACCOUNTING ESTIMATES and estimates, including assessing control over investment funds, the fair value of financial instruments, provisions for credit impairment, impairment testing of goodwill and deferred taxes. Beyond that, there have been no significant changes to the basis upon which the critical accounting judgments and estimates have been determined compared with 31 December 2025.

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22INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) LENDING TO THE PUBLIC MEASURED AT AMORTISED COST, BY PRODUCT SEKm 30 SEPTEMBER 2026 GROSS PROVISIONS NET Lending to the public STAGE 1 STAGE 2 STAGE 3 STAGE 1 STAGE 2 STAGE 3 Private loans 92,335 5,259 20,109 -1,514 -997 -9,540 105,651 Secured 17,741 739 598 -171 -6 -79 18,822 Credit Cards 20,870 955 2,316 -276 -175 -1,121 22,569 Corporate loans 1,060 26 205 -3 -0 -70 1,218 Total on-balance 132,006 6,979 23,228 -1,964 -1,179 -10,810 148,260 Unutilised loan commitments 75,001 78 95 -59 -5 -1 75,109 Total off-balance 75,001 78 95 -59 -5 -1 75,109 31 DECEMBER 2025 GROSS PROVISIONS NET Lending to the public STAGE 1 STAGE 2 STAGE 3 STAGE 1 STAGE 2 STAGE 3 Private loans 81,540 4,811 17,998 -1,425 -929 -8,435 93,560 Secured 16,009 601 524 -137 -5 -59 16,932 Credit Cards 17,995 926 1,910 -224 -146 -886 19,575 Total on-balance 115,545 6,339 20,431 -1,787 -1,080 -9,380 130,068 Unutilised loan commitments 62,926 67 82 −60 −3 −1 63,009 Total off-balance 62,926 67 82 −60 −3 −1 63,009 NOTE 4 FINANCIAL RISK MANAGEMENT — GROUP SEKm 30 SEPTEMBER 2026 GROSS PROVISIONS NET Lending to the public STAGE 1 STAGE 2 STAGE 3 STAGE 1 STAGE 2 STAGE 3 Sweden 55,511 2,662 7,804 -724 -469 -4,018 60,765 Finland 32,702 1,963 9,775 -730 -396 -4,419 38,896 Norway 29,981 1,745 4,121 -232 -168 -1,476 33,971 Denmark 11,304 509 944 -207 -117 -475 11,958 Germany & Spain 2,508 99 584 -71 -29 -422 2,670 Total on-balance 132,006 6,979 23,228 -1,964 -1,179 -10,810 148,260 Unutilised loan commitments 75,001 78 95 -59 -5 -1 75,109 Total off-balance 75,001 78 95 -59 -5 -1 75,109 31 DECEMBER 2025 GROSS PROVISIONS NET Lending to the public STAGE 1 STAGE 2 STAGE 3 STAGE 1 STAGE 2 STAGE 3 Sweden 50,413 2,437 7,109 -697 -434 -3,621 55,208 Finland 29,529 1,979 8,367 -629 -388 -3,661 35,198 Norway 24,184 1,413 3,689 -206 -145 -1,365 27,570 Denmark 9,184 434 821 -185 -95 -415 9,743 Germany & Spain 2,235 75 444 -69 -19 -317 2,349 Total on-balance 115,545 6,339 20,431 -1,787 -1,080 -9,380 130,068 Unutilised loan commitments 62,926 67 82 −60 −3 −1 63,009 Total off-balance 62,926 67 82 −60 −3 −1 63,009 LENDING TO THE PUBLIC MEASURED AT AMORTISED COST, BY COUNTRY

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23INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) The information in this note is disclosed in accordance with Chapter 8, Section 4 of the Swedish FSA’s regulations and general guidelines regarding annual reports at credit insti - tutions and securities companies (FFFS 2008:25), Chapter 8, Section 1 of the Swedish FSA’s regulations and general gui - delines regarding prudential requirements and capital buffers (FFFS 2014:12), Regulation (EU) No 575/2013 Article 447, as well as the disclosure requirements in part eight of the same regulation. The liquidity and funding information is disclosed in accordance with Chapter 5, Section 2 of the Swedish FSA’s regulations regarding management and disclosure of liquidity risks in credit institutions and investment firms (FFFS 2010:7). INFORMATION ON THE CONSOLIDATED SITUATION The top company in the Consolidated Situation is NOBA Bank Group AB (publ). The following companies are included in the Consolidated Situation when calculating capital requirements: NOBA Bank Group AB (publ), NOBA Finland 1 AB (publ), NOBA Sverige AB, Nordax Sverige 5 AB (publ), Nordax Sweden Mort - gages 1 AB (publ), Norrvidd Finance AB (publ), NOBA Funding Management AB (publ), NOBA Asuntorahoitus Oy, Finsol Oy, DBT Capital AB with its subsidiaries DBT Capital HY AB and DBT Capital Inv AB, and Svensk Hypotekspension AB with its subsidiaries Svensk Hypotekspension Fond 2 AB, Svensk Hypo - tekspension Fond 3 AB (publ), Svensk Hypotekspension Fond 4 AB (publ) and Svensk Hypotekspension 5 AB (publ). On 16 June 2026 Norrvidd Finance AB (publ) was granted a license by the Swedish FSA to conduct financing operations. COMMON EQUITY TIER 1 CAPITAL The Common Equity Tier 1 (CET1) capital consists of equ - ity excluding Additional Tier 1 (AT1) capital instruments and warrants issued, and with regulatory adjustments for, among other things, intangible assets. NOBA may, with prior approval from the Swedish FSA and in accordance with Article 26(2) of the Capital Requirements Regulation, include in the CET1 capi - tal the profit for the period after deduction for foreseeable and proposed dividends. NOBA has established a dividend policy where 40 per cent of adjusted core profit attributable to shareholders is paid as dividend semi-annually. The dividend paid in the fourth quarter should be resolved upon by an extraordinary gene - ral meeting and relate to the profit generated during the nine months period ended on 30 September. NOBA's Board of Directors proposes, ahead of the planned Extraordinary General Meeting in 2026, an ordinary dividend of SEK 2.70 per share for the period 1 January - 30 September 2026, corres - ponding to SEK 1,350m, deducted from the CET1 capital. NOTE 5 CAPITAL ADEQUACY ANALYSIS — CONSOLIDATED SITUATION TIER 1 CAPITAL AND CAPITAL BASE The Tier 1 capital consists of CET1 capital plus SEK 2,284m AT1 capital instruments. In addition to Tier 1 capital, the Conso - lidated Situation’s Total capital also includes Tier 2 capital of SEK 1,579m. On 30 September 2026, NOBA gave notice to the holders of AT1 bond of SEK 1,400m and T2 of SEK 650m that the bonds would be redeemed on 29 October 2026. These two instruments are therefore not included in the Tier 1 capital and Total capital as of 30 September 2026. DBT CAPITAL AB On 2 February 2026 NOBA Bank acquired DBT Capital AB, a lender to Swedish small and medium-sized enterprises. The acquisition increased NOBA’s total risk exposure amount, mainly through DBT’s lending portfolio. The acquisition also reduced NOBA’s CET1 capital mainly due to the increase in deductions of goodwill and intangible assets. In total the acquisition reduced the CET1 ratio and the Total capital ratio by 0.3 percentage points. EXEMPTION AS PER ARTICLE 352(2) On 18 March 2022, the Swedish FSA granted NOBA an exemp - tion for the Consolidated Situation according to article 352.2 of Regulation (EU) No 575/2013, to include goodwill and intan - gible assets resulting from the acquisition of Bank Norwegian, when calculating open FX positions. On 30 August 2024, the Swedish FSA renewed the exemption granted to NOBA for the new Consolidated Situation that arose in connection with the merger between NOBA Holding, NOBA Group and NOBA Bank Group. On 30 December 2022, a similar exemption was granted for NOBA Bank Group AB regarding goodwill and intangible assets which, after the merger of Bank Norwegian, became part of NOBA Bank Group’s balance sheet. The Swedish FSA decision means a corresponding reduction in NOBA Bank Group’s risk exposure amount for market risk LIQUIDITY RESERVE AND OWN FUNDS Except for Riksbank certificates, all of NOBA’s securities holdings in the liquidity reserve are measured at fair value. Changes in fair value are either recognised through profit or loss or through other comprehensive income. In either case the changes in fair value affect CET1. Thus, sales of holdings in the liquidity reserve have no impact on Total capital.

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24INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) COMBINED BUFFER REQUIREMENT The combined buffer requirement for the Consolidated Situa - tion consists of the capital conservation buffer requirement, the countercyclical capital buffer requirement and the sys - temic risk buffer requirement for Norwegian exposures. The capital conservation buffer requirement amounts to 2.5 per cent of the total risk exposure amount. The countercyclical capital buffer is weighted based on geographical require - ments. For Finland the requirement amounted to 0 per cent, for Spain the requirement amounted to 0.5 per cent, for Ger - many the requirement amounted to 0.75 per cent, for Norway and Denmark the requirement amounted to 2.5 per cent, while the requirement was 2 per cent for Sweden. NOBA is also subject to the systemic risk buffer requirement for Norwegian exposures, since its total risk exposure amount for those exposures exceeds NOK 5bn. The systemic risk buf - fer requirement amounts to 4.5 per cent of the risk exposure amount in Norway, which for NOBA's Consolidated Situa - tion corresponds to 0.94 per cent of the total risk exposure amount. INTERNALLY ASSESSED CAPITAL REQUIREMENT, PILLAR 2 REQUIREMENTS AND PILLAR 2 GUIDANCE On 29 April 2025 the Swedish FSA communicated the outcome of their Supervisory Review and Evaluation Process (SREP) for NOBA. The Swedish FSA decided that NOBA should be subject to a risk-based Pillar 2 requirement of 1.40 per cent and a risk-based Pillar 2 guidance of 0 per cent of NOBA’s total risk exposure amount. As of 30 September 2026, the internally assessed capital requirement, in addition to the Pillar 1 requirement, for the Consolidated Situation amounted to SEK 1,773m (1,384), which corresponds to 1.49 per cent (1.33) of the total risk exposure amount. Unlike the Pillar 2 requirement decided by the Swedish FSA, which is based on NOBA’s risk exposure as of 31 December 2024, the internally assessed capital require - ment takes into account the current risk exposure not covered by the Pillar 1 requirements. NOBA’s capital and risk manage - ment is always based on the higher of the Pillar 2 requirement and the internally assessed capital requirement for each risk type. The total internally assessed capital requirement for NOBA’s Consolidated Situation, including Pillar 1 requirements, combi - ned buffer requirements, Pillar 2 requirements and internally assessed capital requirement in excess of Pillar 2 require - ments for the period amounts to SEK 17,285m (14,917). NOTE 5 CAPITAL ADEQUACY ANALYSIS — CONSOLIDATED SITUATION LEVERAGE RATIO Leverage ratio is a non-risk-based capital measure where Tier 1 capital is set in relation to the total assets with adjusted derivative exposures as well as off-balance sheet com - mitments recalculated with conversion factors. As of 30 September 2026, the Consolidated Situation’s leverage ratio was 9.64 per cent (10.15), which is well in excess of the 3 per cent requirement and the Pillar 2 guidance for leverage ratio decided by the Swedish FSA, amounting to an additional 1 per cent of the exposure amount for leverage ratio.

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25INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) CAPITAL ADEQUACY — PART 1 SEKm 30 SEP 2026 31 DEC 2025 Own funds Common Equity Tier 1 (CET1) capital before deduction of regulatory adjustments 24,704 21,988 Total deduction of regulatory adjustment to CET1 capital -8,944 -7,742 Common Equity Tier 1 (CET1) capital after deduction of regulatory adjustments 15,760 14,246 Additional Tier 1 capital 2,284 2,182 Sum Tier 1 Capital 18,044 16,428 Tier 2 Capital 1,579 1,804 Total capital 19,624 18,232 Risk exposure amount, credit risk 110,792 95,786 Risk exposure amount, market risk - - Risk exposure amount, operational risk 8,314 8,244 Risk exposure amount, credit value adjustment (CVA) 229 206 Total risk exposure amount (risk weighted assets) 119,334 104,237 Capital ratios and buffers Common Equity Tier 1 capital ratio 13.21% 13.67% Tier 1 capital ratio 15.12% 15.76% Total capital ratio 16.44% 17.49% Total Common Equity Tier 1 capital requirement including buffer requirement 9.50% 9.41% - of which capital conservation buffer requirement 2.50% 2.50% - of which countercyclical capital buffers 1.56% 1.53% -of which systemic risk buffer 0.94% 0.88% SPECIFICATION OWN FUNDS Common Equity Tier 1 capital: Capital instruments and related share premium 4,548 4,548 - of which share capital 73 73 - of which other contributed capital 4,476 4,476 - of which other funds - - Retained earnings 18,463 16,607 Accumulated other comprehensive income -605 -1,499 Deferred tax liabilities attributable to other intangible assets 288 271 Independently audited interim results 3,360 3,611 Foreseeable dividends -1,350 -1,550 Common Equity Tier 1 capital before regulatory adjustments 24,704 21,988 NOTE 5 CAPITAL ADEQUACY ANALYSIS — CONSOLIDATED SITUATION

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26INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) CAPITAL ADEQUACY — PART 2 SEKm 30 SEP 2026 31 DEC 2025 Regulatory adjustments: (-) Intangible assets -8,655 -7,587 Additional value adjustments -289 -155 Total regulatory adjustment to Common Equity Tier 1 capital -8,944 -7,742 Common Equity Tier 1 capital 15,760 14,246 Tier 1 capital - Additional Tier 1 capital 2,284 2,182 Tier 1 capital, total 18,044 16,428 Tier 2 capital - Tier 2 1,579 1,804 Total capital 19,624 18,232 Specification of risk exposure amount Exposures to national governments and central banks 793 262 Exposures to regional governments and local authorities - - Exposures to institutions 1,950 1,184 Exposures in the form of covered bonds 1,148 866 Retail exposures 86,202 75,913 Exposures secured by mortgages on immovable property 6,106 5,218 Equity exposures 33 23 Exposures in default 12,655 11,259 Securitisation exposure 564 637 Exposures to corporates 757 - Other items 585 425 Total risk exposure amount for credit risk, standardised approach 110,792 95,786 Foreign exchange risk - - Total risk exposure amount for foreign exchange risk - - Operational risk 8,314 8,244 Total risk exposure amount for operational risks 8,314 8,244 Credit valuation adjustment risk (CVA) 229 206 Total risk exposure amount for credit valuation adjustment risk 229 206 Total risk exposure amount 119,334 104,237 NOTE 5 CAPITAL ADEQUACY ANALYSIS — CONSOLIDATED SITUATION

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27INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) CAPITAL ADEQUACY — PART 3 SEKm 30 SEP 2026 31 DEC 2025 Specification own funds requirements (8 percent of REA) Credit risk Exposures to national governments and central banks 63 21 Exposures to regional governments and local authorities - - Exposures to institutions 156 95 Exposures in the form of covered bonds 92 69 Retail exposures 6,896 6,073 Exposures secured by mortgages on immovable property 489 417 Equity exposures 3 2 Exposures in default 1,012 901 Securitisation exposure 45 51 Exposures to corporates 61 - Other items 47 34 Total capital requirement for credit risk 8,863 7,663 Market risk Foreign exchange risk - - Total risk exposure amount for market risk - - Operational risk Operational risk 665 660 Total risk exposure amount for operational risk 665 660 Credit valuation adjustment risk (CVA) Credit valuation adjustment risk (CVA) 18 17 Total capital requirement for CVA risk 18 17 Total Capital Requirement 9,547 8,339 Capital Requirement, % of REA Pillar 1 8.00% 8.00% Pillar 2, SREP 1.40% 1.40% Capital conservation buffer 2.50% 2.50% Institution-specific countercyclical buffer 1.56% 1.53% Systemic risk buffer — Norway 0.94% 0.88% Total Capital Requirement 14.40% 14.31% Capital Requirement Pillar 1 9,547 8,339 Pillar 2, SREP 1,671 1,459 Capital conservation buffer 2,983 2,606 Institution-specific countercyclical buffer 1,863 1,594 Systemic risk buffer — Norway 1,119 916 Total Capital Requirement 17,183 14,914 NOTE 5 CAPITAL ADEQUACY ANALYSIS — CONSOLIDATED SITUATION

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28INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) CAPITAL ADEQUACY — PART 3 CONTINUED SEK m 30 SEP 2026 31 DEC 2025 LEVERAGE RATIO Total exposure measure for calculating leverage ratio 187,086 161,846 Tier 1 capital 18,044 16,428 Leverage ratio 9.64% 10.15% Leverage ratio requirement, as a percentage of exposure for leverage ratio Leverage ratio requirement 3.00% 3.00% Leverage ratio requirement Pillar 2 - - Pillar 2 guidance for leverage ratio¹ 1.00% 1.00% Total leverage ratio requirement, including pillar 2 guidance 4.00% 4.00% Leverage ratio requirement, SEK m Leverage ratio requirement 5,613 4,855 Pillar 2 guidance for leverage ratio¹ 1,871 1,618 Total leverage ratio requirement, including pillar 2 guidance 7,483 6,474 NOTE 5 CAPITAL ADEQUACY ANALYSIS — CONSOLIDATED SITUATION 1 The pillar 2 guidance is fulfilled with CET1 capital.

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29INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) PART 1 SEKm A 20260930 B 20260630 C 20260331 D 20251231 E 20250930 Available own funds (amounts) 1 Common Equity Tier 1 (CET1) capital 15,760 15,139 14,616 14,246 14,561 2 Tier 1 capital 18,044 18,821 16,803 16,428 16,738 3 Total capital 19,624 20,666 18,639 18,232 18,560 Risk-weighted exposure amounts 4 Total risk exposure amount 119,334 112,782 109,709 104,237 103,581 Capital ratios (% of risk-weighted exposure amount) 5 Common Equity Tier 1 ratio (%) 13.21% 13.42% 13.32% 13.67% 14.06% 6 Tier 1 capital (%) 15.12% 16.69% 15.32% 15.76% 16.16% 7 Total capital ratio (%) 16.44% 18.32% 16.99% 17.49% 17.92% Additional own funds requirements to address risks other than the risk of excessive leverage (% of risk-weighted exposure amount) EU 7a Additional own funds requirements to address risks other than the risk of excessive leverage (%) 1.40% 1.40% 1.40% 1.40% 1.40% EU 7b of which: to be made up of the CET 1 capital (%) 0.79% 0.79% 0.79% 0.79% 0.79% EU 7c of which: to be made up of Tier 1 capital (%) 1.05% 1.05% 1.05% 1.05% 1.05% EU 7d Total SREP own funds requirements (%) 9.40% 9.40% 9.40% 9.40% 9.40% Combined buffer and overall capital requirements (% of risk-weighted exposure amount) 8 Capital conservation buffer (%) 2.50% 2.50% 2.50% 2.50% 2.50% EU 8a Conservation buffer due to macro-prudential or syste - matic risk identified at the level of a Member State (%) - - - - - 9 Institution-specific countercyclical capital buffer (%) 1.56% 1.55% 1.55% 1.53% 1.53% EU 9a Systemic risk buffer (%) 0.94% 0.90% 0.91% 0.88% 0.91% 10 Global Systemically Important Institution buffer (%) - - - - - EU 10a Other Systemically Important Institution buffer (%) - - - - - 11 Combined buffer requirements (%) 5.00% 4.95% 4.96% 4.91% 4.93% EU 11a Overall capital requirements (%) 14.40% 14.35% 14.36% 14.31% 14.33% 12 CET 1 available after meeting the total SREP own funds requirements (%) 7.04% 8.14% 7.59% 8.09% 8.52% Leverage ratio 13 Leverage ratio total exposure measure (amounts) 187,086 175,196 169,926 161,846 166,019 14 Leverage ratio (%) 9.64% 10.74% 9.89% 10.15% 10.08% Table “Template EU KM1 — Key metrics template in accor - dance with Article 447 Regulation EU No 575/2013” NOTE 5 CAPITAL ADEQUACY ANALYSIS — CONSOLIDATED SITUATION

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30INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) PART 2 SEKm A 20260930 B 20260630 C 20260331 D 20251231 E 20250930 Additional own funds requirements to address the risk of excessive leverage (% of total exposure measure) EU 14a Additional own funds requirements to address the risk of excessive leverage (%) - - - - - EU 14b of which: to be made up of CET 1 capital (%) - - - - - EU 14c Total SREP leverage ratio requirements (%) 3.00% 3.00% 3.00% 3.00% 3.00% Leverage ratio buffer and overall leverage ratio requi - rement (% of total exposure measure) EU 14d Leverage ratio buffer and overall leverage ratio requi - rement (%) - - - - - EU 14e Overall leverage ratio requirements (%) 3.00% 3.00% 3.00% 3.00% 3.00% Liquidity Coverage Ratio¹ 15 Total high-quality liquid assets (HQLA) (Weighted aver - age value) 14,466 15,600 16,426 18,051 18,381 EU 16a Cash outflows - Total weighted value 15,388 15,655 16,477 17,194 18,069 EU 16b Cash inflows - Total weighted value 6,157 5,745 5,894 5,593 6,373 16 Total net cash outflows (adjusted value) 9,230 9,910 10,583 11,601 11,695 17 Liquidity coverage ratio 157.54% 158.50% 155.34% 155.93% 157.17% Net Stable Funding Ratio 18 Total available stable funding 151,418 146,247 142,868 136,692 137,675 19 Total required stable funding 140,057 133,018 129,564 122,872 122,664 20 NSFR ratio (%) 108.11% 109.95% 110.27% 111.25% 112.24% Template EU KM1 — Key metrics template in accordance with Regulation EU No 575/2013 1 Expressed as simple averages of the observations at the end of the month during the twelve months before the end of the quarter. NOTE 5 CAPITAL ADEQUACY ANALYSIS — CONSOLIDATED SITUATION

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31INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) INFORMATION ON LIQUIDITY RISK NOBA defines liquidity risk as the risk of failing to fulfil pay - ment obligations at maturity without a significant increase in the cost of obtaining means of payment. NOBA uses asset- backed borrowing in which parts of the asset portfolios are pledged as collateral for the funding. The long-term strategy is to match the maturities of lending assets with the maturi - ties of liabilities. The strategy strives to achieve a diversified funding platform comprising equity, subordinated debt, secu - ritisations (“ABS”), credit facilities provided by banks, deposits from the public, senior unsecured bonds and commercial paper. The goal is to use funding sources that meet the following criteria: - Provide a high degree of matching of currencies and interest periods as well as maturities between assets and liabilities. - Offer diversification in terms of markets, investors, instru - ments, maturities, currencies, counterparties, and geography. - Give a low liquidity risk and offer a strong possibility of refi - nancing at maturity, as evidenced by price stability, regularity of issuance and a broad investor base. - Provide access to relatively large volumes, to meet the fun - ding requirements of a growing balance sheet. The Treasury function is responsible for managing liquidity risk, including daily measurement and reporting to the compa - ny's management. Stressed cash flows and items both on and off-balance sheet are used to determine values for regula - tory metrics and internal risk indicators such as the liquidity coverage ratio (LCR), net stable funding ratio (NSFR), survival horizon, and deposit usage. The risk indicators are limited and monitored over time to highlight changes in the financial structure and the group's liquidity risk. The Risk Control function is responsible for the independent control of liquidity risk and reports risk indicators to the Board of Directors and the CEO on a monthly basis. This function analyses and reports the impact on the liquidity situation in various scenarios, such as changes in exchange rates, deposit and lending volumes, credit losses, and market values. The liquidity contingency plan contains a clear division of responsibilities and instructions on how NOBA should respond in a liquidity crisis. The plan specifies appropriate actions to manage the consequences of various types of crises and contains definitions of events that trigger and escalate the contingency plan. NOTE 5 CAPITAL ADEQUACY ANALYSIS — CONSOLIDATED SITUATION As of 30 September 2026, NOBA's Consolidated Situation’s Liquidity Coverage Ratio (LCR) was 144 per cent (151) and for NOBA Bank Group AB it amounted to 140 per cent (147). The net stable funding ratio (NSFR) was 108 per cent (111) and for NOBA Bank Group AB it amounted to 110 per cent (112), cal - culated in accordance with the definition in Regulation (EU) No 575/2013. The Consolidated Situation’s liquidity reserve as of 30 Sep - tember 2026 amounts to SEK 19,862m (19,485), of which 37 per cent (44) are invested in covered bonds, 37 per cent (21) in cash balances with credit institutions and 2 per cent (6) in cash balances with central banks. The remaining 24 per cent (29) of the balances are mainly invested in interest-bearing securities issued by central governments, municipalities, supranationals and international development banks. The credit assessments of these investments are generally high and therefore have high credit ratings, between AAA and AA+, from leading credit rating agencies. Of these investments 87 per cent (83) were AAA and 13 per cent (17) were AA+. The average maturity amounts to 2.7 years (2.9) and the interest duration is 0,13 years (0.17). As of 30 September 2026, NOBA Consolidated Situation’s fun - ding sources comprise SEK 8,077m (4,345) in senior unsecured bonds and commercial paper, SEK 24,914m (19,351) financing against pledges with international banks and repo transac - tions, and SEK 118,914m (107,870) of deposits from the public. The Swedish National Debt Office makes assessments of which Swedish credit institutions should be categorised as liquidation institutions and resolution institutions respecti - vely, based on the institutions’ impact on the financial system in the event of default. NOBA is currently categorised as a liquidation institution. During the third quarter of 2026, NOBA was informed that the Swedish National Debt Office had ini - tiated an in-depth analysis to assess whether the authority should, going forward, categorise NOBA as a resolution insti - tution. A decision is expected to be made in December 2026.

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32INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 6 CLASSIFICATION OF FINANCIAL ASSETS AND LIABILITIES — GROUP VALUATION SEKm 30 SEPTEMBER 2026 FAIR VALUE THROUGH PROFIT OR LOSS TOTAL Assets Cash and balances with central banks - - - - 346 346 Treasury bills eligible for repayment, etc. - - - 1,860 - 1,860 Lending to credit institutions¹ - - - - 8,726 8,726 Lending to the public 2,744 - - - 148,260 151,004 Bonds and other fixed-income securities 486 - - 13,998 355 14,838 Other shares 7 - - - - 7 Derivatives 811 - 205 - - 1,016 Other assets - - - 18 914 931 Total assets 4,048 - 205 15,875 158,601 178,729 Liabilities Liabilities to credit institutions - - - - 24,914 24,914 Deposits from the public - - - - 118,914 118,914 Issued securities - - - - 8,107 8,107 Derivatives 193 - 1,260 - - 1,452 Other liabilities - - - - 766 766 Subordinated liabilities - - - - 2,236 2,236 Total liabilities 193 - 1,260 - 154,937 156,389 31 DECEMBER 2025 Assets Cash and balances with central banks - - - - 1,146 1,146 Treasury bills eligible for repayment, etc. - - - 1,698 - 1,698 Lending to credit institutions - - - - 5,339 5,339 Lending to the public 2,274 - - - 130,068 132,341 Bonds and other fixed-income securities 814 - - 12,340 404 13,557 Other shares 7 - - - - 7 Derivatives 93 - 359 - - 452 Other assets - - - 16 206 222 Total assets 3,187 - 359 14,053 137,162 154,762 Liabilities Liabilities to credit institutions - - - - 19,351 19,351 Deposits from the public - - - - 107,870 107,870 Issued securities - - - - 4,375 4,375 Derivatives 384 - 25 - - 409 Other liabilities - - - - 352 352 Subordinated liabilities - - - - 1,804 1,804 Total liabilities 384 - 25 - 133,752 134,160 Derivatives identified as hedge instrumentsFair value optionMandatory Fair value through other comprehensive incomeAmortised cost 1 The Riksbank has previously decided that all banks and other Swedish credit institutions must deposit a portion of their deposit base as interest- free deposits. The deposit requirement is set in a recurring process each year. For NOBA, this means that SEK 167m (221) has been deposited with the Riksbank at 0 percent interest until a new amount is set next year.

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33INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 7 FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES — GROUP VALUE SEKm CARRYING FAIR OVERVALUE (+) 30 SEPTEMBER 2026 AMOUNT VALUE UNDERVALUE (-) Assets Cash and balances with central banks 346 346 - Treasury bills eligible for repayment, etc.¹ 1,860 1,860 - Lending to credit institutions¹ 8,726 8,726 - Lending to the public 151,004 172,316 21,312 Bonds and other fixed-income securities 14,838 14,838 - Other shares 7 7 - Derivatives 1,016 1,016 - Other assets 931 931 - Total assets 178,729 200,041 21,312 Liabilities Liabilities to credit institutions² 24,914 24,914 - Deposits from the public¹ 118,914 118,914 - Issued securities 8,107 8,141 35 Derivatives 1,452 1,452 - Other liabilities 766 766 - Subordinated liabilities 2,236 2,342 105 Total liabilities 156,389 156,529 140 31 DECEMBER 2025 Assets Cash and balances with central banks 1,146 1,146 - Treasury bills eligible for repayment, etc.¹ 1,698 1,698 - Lending to credit institutions ¹ 5,339 5,339 - Lending to the public 132,341 152,152 19,811 Bonds and other fixed-income securities 13,557 13,557 - Other shares 7 7 - Derivatives 452 452 - Other assets 222 222 - Total assets 154,762 174,573 19,811 Liabilities Liabilities to credit institutions ² 19,351 19,351 - Deposits from the public ¹ 107,870 107,870 - Issued securities 4,375 4,380 5 Derivatives 409 409 - Other liabilities 352 352 - Subordinated liabilities 1,804 1,915 111 Total liabilities 134,160 134,277 116 1 Fair value is deemed to be consistent with the carrying amount, since these are of a short-term nature. 2 Fair value is deemed to be consistent with the carrying amount, since these carry a variable interest rate.

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34INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 7 FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES — GROUP CALCULATION OF FAIR VALUE VALUATION TECHNIQUE FOR MEASURING FAIR VALUE – LEVEL 1 The fair value of financial instruments traded in an active market is based on quoted market prices on the balance sheet date. A market is considered active if quoted prices from a stock exchange, broker, industry group, pricing service or monitoring authority are readily and regularly available and these prices represent real and regularly occurring arm’s length market transactions. The quoted market price used for the Group’s financial assets is the current purchase price. VALUATION TECHNIQUE FOR MEASURING FAIR VALUE – LEVEL 2 Fair value of bonds is measured, as in level 1, from market prices, with the difference that the prices are not considered from an active market. The market price is derived in this case from buy and sell position prices, but regular trading does not take place in the bond. If market prices are missing, the value is calculated by discounting expected cash flows. For discounting, the current market interest rate on securities iss - ued by similar issuers is used. The fair value of derivatives is measured as the present value of future cash flows based on observable market prices. FAIR VALUE MEASUREMENT USING MATERIAL, UNOBSERVABLE INPUTS — LEVEL 3 If one or more essential inputs are not based on observable market information, the instrument is classified as level 3. The table below shows the financial instruments measured at fair value, based on their classification in the fair value hierarchy. As of 30 September 2026, NOBA holds two investments in unlisted shares: Vipps AS and VN Norge AS. These holdings are measured at fair value based on unobservable inputs. The fair value of the shares in VN Norge AS as of the balance sheet date were calculated based on the share price for Visa Inc, the USD/NOK foreign exchange rate, a liquidity discount and a conversion rate. The part of NOBA's lending to the public that is measured at fair value through profit or loss is calculated based on assumptions of lifetime, reference rates and collateral value, and is classified in its entirety at Level 3. INFORMATION ABOUT FAIR VALUE The value of lending to the public has been measured based on unobservable market data by discounting the expected future cash flows of the assets to present value using a discount factor. The expected future cash flows have been based on the size of the portfolio at the end of the balance sheet date and an expected future cash flow on the maximum maturity of the portfolio. For determining the fair value of issued securities and subordinated liabilities, level 1 is applied if the criteria are met, followed by level 2. TRANSFERS BETWEEN THE LEVELS There have been no transfers of financial instruments between the different levels. SENSITIVITY ANALYSIS FOR LENDING TO THE PUBLIC MEASURED AT FAIR VALUE WITHIN LEVEL 3 A sensitivity analysis of lending to the public measured at fair value within level 3 has been made by changing the assumptions of non-observable data in the valuation model. The sensitivity analysis is made in two parts, one parallel shift of the interest rate curve with 1 percentage point and a decrease in the housing price index of 10 percentage points. An upwards parallel shift of the interest rate curve with +1 percentage point would result in a negative change in the fair value of SEK 36m (24) and a downwards parallel shift of the interest rate curve with 1 percentage point would result in a positive change in the fair value of SEK 7m (4). An immediate positive change in the housing price index of +10 percentage points would result in a positive change in the fair value of SEK 10m (6) and a negative change in the housing price index of -10 percentage points would result in a negative change in the fair value of SEK 33m (21). The table below shows the changes that have occurred in relation to level 3 instruments:

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35INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 7 FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES — GROUP FINANCIAL INSTRUMENTS AT FAIR VALUE SEKm 30 SEPTEMBER 2026 LEVEL 1 LEVEL 2 LEVEL 3 TOTAL Assets Treasury bills eligible for repayment, etc. 408 1,451 - 1,860 Lending to the public - - 2,744 2,744 Bonds and other fixed-income securities 7,757 6,727 - 14,483 Other shares - - 7 7 Derivatives - 1,016 - 1,016 Other assets - - 18 18 Total assets 8,165 9,194 2,769 20,128 Liabilities Derivatives - 1,452 - 1,452 Total Liabilities - 1,452 - 1,452 31 DECEMBER 2025 Assets Treasury bills eligible for repayment, etc. 1,349 349 - 1,698 Lending to the public - - 2,274 2,274 Bonds and other fixed income securities 10,252 2,901 - 13,153 Other shares - - 7 7 Derivatives - 452 - 452 Other assets - - 16 16 Total assets 11,601 3,702 2,296 17,599 Liabilities Derivatives - 409 - 409 Total Liabilities - 409 - 409 CHANGE IN FINANCIAL INSTRUMENTS IN LEVEL 3 SEKm LENDING TO THE PUBLIC OTHER SHARES OTHER ASSETS TOTAL Opening balance 1 January 2026 2,274 7 16 2,296 Acquisitions 482 - - 482 Currency change - 1 - 1 Recognised in income statement -12 -0 - -12 Sales - - - - Reclass¹ - - - - Losses (-)recognised in other comprehensive income - - - - Profits (+) recognised in other comprehensive income - - 2 2 Closing balance 30 September 2026 2,744 7 18 2,769 Opening balance 1 January 2025 1,623 102 - 1,725 Acquisitions 657 - - 657 Currency change - -1 - -1 Recognised in income statement -6 -7 - -14 Sales - -33 - -33 Reclass¹ - -16 16 - Losses (-)recognised in other comprehensive income - -39 - -39 Profits (+) recognised in other comprehensive income - - - - Closing balance 31 December 2025 2,274 7 16 2,296 1 Refers to the reclassification of a possible future earn-out following the divestment of shares in the mortgage credit institution Stabelo.

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36INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 8 OPERATING SEGMENTS Segment information is presented based on the chief operating decision maker’s (CODM) perspective, and the segments are identified based on internal reporting to the CEO, who is identified as the chief operating decision maker. Several profit/loss measurements are included, as they are presented to the CODM to make decisions to allocate resources and assess segment performance, where adjusted operating profit for Core operations and Total are viewed as the main measurements. Profit/loss that cannot be attributed to a single segment is allocated using a distribution matrix according to internal principles that management believes to provide a fair allocation to the segments. Transformation costs are not allocated by segment. The business model is to offer the general public the products Private Loans, Credit Cards and Secured (which includes both Mortgages and Equity Release) along with small to medium- sized enterprise loans conducted through cross-border banking activities in Sweden, Norway, Denmark, Finland, Germany, and Spain. In addition, deposit operations are also carried out in the same way in the corresponding countries, in addition to the Netherlands and Ireland, which form part of the financing for the mentioned products. In the Private loans segment NOBA offers unsecured private loans under both the Nordax Bank and Bank Norwegian brands. While in the Credit cards segment NOBA offers credit cards under the Bank Norwegian brand. In the Secured segment, NOBA offers residential mortgages to people who are excluded by major banks, for example due to non-conventional employment forms, under the Nordax Bank brand. In addition, NOBA offers equity release mortgage products to elderly borrowers who wish to free up value from their home under the Svensk Hypotekspension brand. The Other segment includes small to medium-sized enterprise loans offered through the DBT brand, acquired during Q1 2026. The segment also includes the markets and products where new sales do not take place, which refers to private loans in Germany and Spain and credit cards in Spain. During the last quarter, there have been no changes from prior periods in the measurement methods used to determine operating segments and reported segment profit or loss. Segment information is presented according to a set arrangement to further emphasise the underlying operational business. Transformation costs and amortisation of transaction surplus values are excluded from the operating expenses and shown on separate rows to reconcile adjusted operating profit and operating profit. In addition, Alternative Performance Measures (APMs) are included to show the segments' performance and an additional total column separating the Other segment. To facilitate the calculation of these APMs, rows are included in the segment note for tax on adjusted operating profit, profit for the period of which attributable to holders of Tier 1 capital, and adjusted profit for the period to shareholders.

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37INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 8 OPERATING SEGMENTS JUL-SEP 2026 SEKm PRIVATE LOANS CREDIT CARDS SECURED CORE OPERATIONS OTHER TOTAL Income statement Interest income 2,961 726 348 4,035 46 4,081 Interest expenses -685 -163 -169 -1,017 -11 -1,027 Total net interest income 2,276 563 180 3,019 35 3,054 Commission income 97 257 1 355 0 355 Commission expenses -6 -105 -0 -111 -0 -111 Net profit from financial transactions 1 -0 -9 -8 0 -8 Total operating income 2,368 715 172 3,255 35 3,290 General administrative expenses -348 -77 -36 -461 -16 -476 Depreciation/amortisation and impairment of property and equipment and other intangible assets -23 -6 -3 -31 -1 -33 Other operating expenses -91 -134 -8 -232 -1 -233 Total operating expenses excl. transformation costs¹ -461 -218 -46 -724 -18 -742 Adjusted operating profit before credit losses 1,907 498 126 2,531 17 2,548 Net credit losses -651 -176 -36 -863 -20 -883 Adjusted operating profit 1,256 322 90 1,668 -3 1,665 Tax on adjusted operating profit² -290 -74 -21 -386 1 -385 Profit for the period of which attributable to holders of Tier 1 capital³ -54 -11 -4 -70 -1 -70 Adjusted profit for the period to shareholders 911 237 65 1,213 -3 1,210 Reconciliation to reported operating profit Adjusted operating profit 1,256 322 90 1,668 -3 1,665 Amortisation of transaction surplus values -15 -19 -0 -34 -0 -35 Transformation costs⁴ - Operating profit 1,241 303 89 1,633 -3 1,630 Balance sheet Lending to the public 105,200 22,553 21,566 149,319 1,685 151,004 Tangible equity 13,293 2,667 1,025 16,985 201 17,186 Net Interest Margin (%) 8.9% 10.3% 3.4% 8.3% 8.4% 8.3% Adjusted Cost Income Ratio⁵ (%) 19.5% 30.4% 26.7% 22.2% 51.1% 22.6% Cost of Risk (%) 2.5% 3.2% 0.7% 2.4% 4.7% 2.4% Adjusted Return on Tangible Equity⁶ (%) 28.4% 37.0% 26.3% 29.6% −5.5% 29.2% ¹ Transformation costs have been excluded 2 Group effective tax rate applied on adjusted operating profit 3 Tier 1 cost allocated to segments based on share of Risk Weighted Assets 4 Transformation costs are not allocated by segment 5 Calculation based on total operating expenses excluding transformation costs in relation to total operating income 6 Calculation based on adjusted operating profit

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38INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 8 OPERATING SEGMENTS APR-JUN 2026 SEKm PRIVATE LOANS CREDIT CARDS SECURED CORE OPERATIONS OTHER TOTAL Income statement Interest income 2,784 700 338 3,821 43 3,864 Interest expenses -668 -157 -161 -986 -11 -997 Total net interest income 2,116 542 177 2,835 32 2,867 Commission income 103 213 1 317 -0 317 Commission expenses -7 -91 -0 -98 -0 -99 Net profit from financial transactions -22 -5 -3 -30 -0 -30 Total operating income 2,190 659 174 3,023 32 3,055 General administrative expenses -335 -67 -39 -441 -17 -458 Depreciation/amortisation and impairment of property and equipment and other intangible assets -20 -6 -2 -28 -2 -30 Other operating expenses -98 -106 -9 -213 -1 -215 Total operating expenses excl. transformation costs ¹ -453 -179 -50 -682 -20 -702 Adjusted operating profit before credit losses 1,737 480 124 2,341 12 2,353 Net credit losses -703 -155 -12 -870 -13 -883 Adjusted operating profit 1,034 325 112 1,471 -1 1,470 Tax on adjusted operating profit² -235 -74 -25 -334 0 -334 Profit for the period of which attributable to holders of Tier 1 capital³ -46 -9 -4 -59 -1 -59 Adjusted profit for the period to shareholders 753 242 83 1,078 -2 1,077 Reconciliation to reported operating profit Adjusted operating profit 1,034 325 112 1,471 -1 1,470 Amortisation of transaction surplus values -15 -18 -0 -34 -0 -34 Transformation costs⁴ - Operating profit 1,019 307 112 1,438 -2 1,436 Balance sheet Lending to the public 99,946 21,051 20,703 141,700 1,648 143,348 Tangible equity 12,380 2,451 946 15,777 204 15,981 Net Interest Margin (%) 8.6% 10.4% 3.5% 8.1% 7.8% 8.1% Adjusted Cost Income Ratio⁵ (%) 20.7% 27.2% 28.8% 22.6% 62.7% 23.0% Cost of Risk (%) 2.9% 3.0% 0.2% 2.5% 3.1% 2.5% Adjusted Return on Tangible Equity⁶ (%) 23.9% 38.8% 34.3% 26.9% −3.1% 26.5% ¹ Transformation costs have been excluded 2 Group effective tax rate applied on adjusted operating profit 3 Tier 1 cost allocated to segments based on share of Risk Weighted Assets 4 Transformation costs are not allocated by segment 5 Calculation based on total operating expenses excluding transformation costs in relation to total operating income 6 Calculation based on adjusted operating profit

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39INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 8 OPERATING SEGMENTS JUL-SEP 2025 SEKm PRIVATE LOANS CREDIT CARDS SECURED CORE OPERATIONS OTHER TOTAL Income statement Interest income 2,651 652 326 3,629 19 3,648 Interest expenses -639 -148 -144 -932 -4 -936 Total net interest income 2,011 504 182 2,697 15 2,712 Commission income 75 230 1 307 0 307 Commission expenses -6 -67 0 -73 0 -73 Net profit from financial transactions -25 -5 -2 -32 0 -32 Total operating income 2,056 662 181 2,899 14 2,913 General administrative expenses¹ -313 -54 -31 -398 -4 -403 Depreciation/amortisation and impairment of property and equipment and other intangible assets -15 -5 -1 -21 0 -21 Other operating expenses -104 -111 -7 -222 0 -222 Total operating expenses excl. transformation costs ¹ -432 -170 -39 -641 -5 -646 Adjusted operating profit before credit losses 1,623 493 142 2,258 10 2,267 Net credit losses -744 -140 -16 -901 -18 -918 Adjusted operating profit 879 352 126 1,357 -8 1,349 Tax on adjusted operating profit² -195 -78 -28 -301 2 -299 Profit for the period of which attributable to holders of Tier 1 capital ³ -37 -8 -3 -48 0 -48 Adjusted profit for the period to shareholders 647 266 95 1,009 -7 1,002 Reconciliation to reported operating profit Adjusted operating profit 879 352 125 1,357 -8 1,349 Amortisation of transaction surplus values -14 -17 0 -32 0 -32 Transformation costs⁴ -157 Operating profit 865 335 125 1,325 -8 1,161 Balance sheet Lending to the public 92,483 19,510 18,815 130,808 650 131,459 Tangible equity 11,531 2,393 853 14,777 82 14,859 Net Interest Margin (%) 8.8% 10.5% 3.9% 8.4% 8.5% 8.4% Adjusted Cost Income Ratio⁵ (%) 21.0% 25.6% 21.6% 22.1% 31.7% 22.2% Cost of Risk (%) 3.3% 2.9% 0.3% 2.8% 10.5% 2.8% Adjusted Return on Tangible Equity⁶ (%) 23.2% 46.1% 45.7% 28.2% −31.3% 27.8% ¹ Transformation costs have been excluded 2 Group effective tax rate applied on adjusted operating profit 3 Tier 1 cost allocated to segments based on share of Risk Weighted Assets 4 Transformation costs are not allocated by segment 5 Calculation based on total operating expenses excluding transformation costs in relation to total operating income 6 Calculation based on adjusted operating profit

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40INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 8 OPERATING SEGMENTS JAN-SEP 2026 SEKm PRIVATE LOANS CREDIT CARDS SECURED CORE OPERATIONS OTHER TOTAL Income statement Interest income 8,368 2,095 998 11,462 125 11,586 Interest expenses -1,974 -464 -475 -2,913 -30 -2,943 Total net interest income 6,395 1,631 523 8,549 95 8,644 Commission income 296 669 3 968 0 968 Commission expenses -18 -280 -1 -299 -1 -299 Net profit from financial transactions -12 -3 -12 -26 -0 -26 Total operating income 6,661 2,017 514 9,192 95 9,286 General administrative expenses -1,020 -205 -110 -1,336 -49 -1,385 Depreciation/amortisation and impairment of property and equipment and other intangible assets -60 -17 -6 -83 -3 -87 Other operating expenses -285 -326 -25 -635 -3 -639 Total operating expenses excl. transformation costs¹ -1,364 -549 -142 -2,054 -56 -2,110 Adjusted operating profit before credit losses 5,297 1,468 372 7,137 39 7,176 Net credit losses -2,102 -485 -50 -2,637 -41 -2,678 Adjusted operating profit 3,195 983 322 4,500 -2 4,498 Tax on adjusted operating profit² -748 -231 -76 -1,055 1 -1,054 Profit for the period of which attributable to holders of Tier 1 capital³ -145 -29 -11 -185 -2 -187 Adjusted profit for the period to shareholders 2,302 723 235 3,261 -4 3,256 Reconciliation to reported operating profit Adjusted operating profit 3,195 983 322 4,500 -2 4,498 Amortisation of transaction surplus values -45 -54 -1 -100 -1 -101 Transformation costs⁴ - Operating profit 3,150 929 321 4,400 -4 4,397 Balance sheet Lending to the public 105,200 22,553 21,566 149,319 1,685 151,004 Tangible equity 13,293 2,667 1,025 16,985 201 17,186 Net Interest Margin (%) 8.6% 10.4% 3.4% 8.1% 9.0% 8.1% Adjusted Cost Income Ratio⁵ (%) 20.5% 27.2% 27.6% 22.4% 59.0% 22.7% Cost of Risk (%) 2.8% 3.1% 0.3% 2.5% 3.9% 2.5% Adjusted Return on Tangible Equity⁶ (%) 24.2% 37.9% 32.3% 26.8% −3.2% 26.5% ¹ Transformation costs have been excluded 2 Group effective tax rate applied on adjusted operating profit 3 Tier 1 cost allocated to segments based on share of Risk Weighted Assets 4 Transformation costs are not allocated by segment 5 Calculation based on total operating expenses excluding transformation costs in relation to total operating income 6 Calculation based on adjusted operating profit

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41INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 8 OPERATING SEGMENTS JAN-SEP 2025 SEKm PRIVATE LOANS CREDIT CARDS SECURED CORE OPERATIONS OTHER TOTAL Income statement Interest income 7,804 1,918 982 10,704 61 10,766 Interest expenses -2,054 -458 -451 -2,963 -15 -2,978 Total net interest income 5,751 1,460 531 7,742 46 7,788 Commission income 232 639 3 873 0 874 Commission expenses -20 -212 -1 -233 -1 -233 Net profit from financial transactions -63 -13 -5 -80 -1 -81 Total operating income 5,900 1,874 529 8,302 45 8,348 General administrative expenses¹ -887 -178 -96 -1,162 -15 -1,177 Depreciation/amortisation and impairment of property and equipment and other intangible assets -41 -13 -2 -56 0 -57 Other operating expenses -297 -278 -20 -595 0 -595 Total operating expenses excl. transformation costs ¹ -1,225 -469 -119 -1,813 -15 -1,829 Adjusted operating profit before credit losses 4,675 1,404 410 6,489 30 6,519 Net credit losses -2,336 -410 -44 -2,790 -60 -2,850 Adjusted operating profit 2,339 995 366 3,699 -30 3,669 Tax on adjusted operating profit² -514 -218 -80 -813 6 -806 Profit for the period of which attributable to holders of Tier 1 capital ³ -112 -23 -8 -144 -1 -146 Adjusted profit for the period to shareholders 1,713 753 277 2,742 -24 2,718 Reconciliation to reported operating profit Adjusted operating profit 2,339 995 366 3,699 -30 3,669 Amortisation of transaction surplus values -43 -52 -1 -96 0 -96 Transformation costs⁴ -233 Operating profit 2,296 942 365 3,603 -30 3,340 Balance sheet Lending to the public 92,483 19,510 18,815 130,808 650 131,459 Tangible equity 11,531 2,393 853 14,777 82 14,859 Net Interest Margin (%) 8.6% 10.4% 3.9% 8.2% 8.0% 8.2% Adjusted Cost Income Ratio⁵ (%) 20.8% 25.0% 22.5% 21.8% 33.0% 21.9% Cost of Risk (%) 3.5% 2.9% 0.3% 3.0% 10.5% 3.0% Adjusted Return on Tangible Equity⁶ (%) 21.7% 46.1% 43.6% 26.9% −35.4% 26.5% ¹ Transformation costs have been excluded 2 Group effective tax rate applied on adjusted operating profit 3 Tier 1 cost allocated to segments based on share of Risk Weighted Assets 4 Transformation costs are not allocated by segment 5 Calculation based on total operating expenses excluding transformation costs in relation to total operating income 6 Calculation based on adjusted operating profit

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42INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 9 NET INTEREST INCOME — GROUP SEKm JUL-SEP 2026 APR-JUN 2026 JUL-SEP 2025 JAN-SEP 2026 JAN-SEP 2025 Interest income from credit institutions and central banks 35 28 31 91 112 Interest income from Treasury bill eligible for repayment, etc. 14 15 11 42 57 Interest income from lending to the public 3,884 3,688 3,464 11,060 10,184 Interest income from bonds and fixed-income securities 145 129 140 384 409 Other 3 4 0 9 4 Total interest income 4,081 3,864 3,648 11,586 10,766 of which interest income according to the effective interest method 4,035 3,819 3,592 11,453 10,580 Interest expenses from deposits from the public -771 -740 -714 -2,202 -2,326 Interest expenses to credit institutions -173 -164 -148 -480 -444 Interest expenses from issued securities -69 -50 -27 -163 -74 Interest expenses from subordinated debt -42 -40 -41 -121 -125 Interest expenses leasing -2 -2 -2 -5 -4 Other 30 -0 -4 28 -6 Total interest expenses -1,027 -997 -936 -2,943 -2,978 of which interest income according to the effective interest method and interest on derivatives in hedge accounting -1,027 -997 -936 -2,943 -2,978 Net interest income 3,054 2,867 2,712 8,644 7,788 NOTE 10 COMMISSION INCOME AND COMMISSION EXPENSES — GROUP SEKm JUL-SEP 2026 APR-JUN 2026 JUL-SEP 2025 JAN-SEP 2026 JAN-SEP 2025 Income Administrative fees 261 217 231 672 666 Insurance mediation and other insurance 85 91 65 267 176 Other 9 10 11 29 32 Total commission income 355 317 307 968 874 Expenses Administrative fees -111 -99 -73 -299 -233 Other 0 0 0 - 0 Total commission expenses -111 -99 -73 -299 -233 Total commission income, net 243 219 234 669 641

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43INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) SEKm JUL-SEP 2026 APR-JUN 2026 JUL-SEP 2025 JAN-SEP 2026 JAN-SEP 2025 FX effect¹ 2 -29 -30 -21 -85 Financial assets measured at amortised cost - - - - - Financial assets through other comprehensive income 2 0 -0 6 7 Hedge accounting 0 -0 0 0 -1 of which cash flow hedge ineffectiveness 0 -0 0 0 -1 of which fair value hedge ineffectiveness 0 -0 - -0 - Fair value through profit or loss -12 -1 -2 -12 -2 of which derivatives -1 1 -0 -0 0 of which lending to the public -10 -1 -2 -12 -5 of which interest-bearing securities -0 -1 0 -0 3 of which shares -1 -0 0 -0 -0 Net profit from financial transactions -8 -30 -32 -26 -81 NOTE 11 NET PROFIT FROM FINANCIAL TRANSACTIONS — GROUP 1 The line item FX effect includes the effect of FX derivatives used in hedge accounting. NOTE 12 GENERAL ADMINISTRATIVE EXPENSES — GROUP SEKm JUL-SEP 2026 APR-JUN 2026 JUL-SEP 2025 JAN-SEP 2026 JAN-SEP 2025 Staff costs Salaries and fees -128 -153 -110 -414 -354 Pension costs -19 -18 -16 -52 -43 Social security contributions -41 -34 -33 -109 -92 Other staff costs -8 -8 -5 -23 -18 Transformation costs in staff costs - - -57 - -82 Total staff costs -196 -212 -221 -598 -588 Other administrative expenses IT costs -107 -94 -79 -291 -261 External services -120 -111 -137 -369 -320 Costs for premises -6 -2 -3 -14 -10 Telephone and postage fees -16 -13 -16 -43 -46 Other -31 -26 -4 -70 -32 Transformation costs in other administrative expenses - - -100 - -151 Total other administrative expenses -281 -246 -339 -787 -821 Total general administrative expenses -476 -458 -560 -1,385 -1,410

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44INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 14 NET CREDIT LOSSES — GROUP SEKm JUL-SEP 2026 APR-JUN 2026 JUL-SEP 2025 JAN-SEP 2026 JAN-SEP 2025 On-balance sheet items Provision Stage 1 -53 -71 11 -105 -60 Provision Stage 2 -78 33 11 -59 61 Provision Stage 3 -673 -796 -870 -2,306 -2,639 Total on-balance -804 -833 -848 -2,470 -2,638 Off-balance sheet items Provision Stage 1 -7 14 1 1 -5 Provision Stage 2 -0 -1 -1 −1 -1 Provision Stage 3 0 -0 0 0 0 Total off-balance -7 12 0 -0 -6 Write-offs -94 -87 -85 -273 -254 Recoveries 23 25 15 65 48 Sum -71 -62 -70 -208 -206 Total net credit losses -883 -883 -918 -2,678 -2,850 NOTE 13 OTHER OPERATING EXPENSES — GROUP SEKm JUL-SEP 2026 APR-JUN 2026 JUL-SEP 2025 JAN-SEP 2026 JAN-SEP 2025 Marketing -126 -121 -131 -364 -357 External costs related to credit cards/sales costs -107 -94 -90 -275 -238 Total other operating expenses -233 -215 -222 -639 -595

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45INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 14 NET CREDIT LOSSES — GROUP COLLATERAL RECEIVED Part of NOBA’s loan portfolio includes residential mortgages and equity release products (via the subsidiary Svensk Hypotekspension AB), and this lending is secured by mortgages on real property or rights in co-op apartments. The valuation of collateral is part of NOBA’s credit origination process and collateral values are continuously monitored through updated valuations. NOBA’s policies for received collateral have not significantly changed during the period and there has been no significant change in the quality of collateral. As of the balance sheet date the average value of the received collateral on mortgage exceeds the carrying amount. The received collateral is thus assessed as mitigating the credit risk and limiting the financial effect at default. As of the balance sheet date, NOBA has not taken over any collateral as protection for a claim. SENSITIVITY ANALYSIS MACRO As a general rule, deteriorating macroeconomic factors in a society lead to higher credit losses. Similarly, improvements in the macroeconomic situation result in lower credit losses. In calculating the future need for credit loss reserves, an assessment is made of the probability of various future scenarios occurring. This probability-weighted outcome is the amount recognised as the credit loss reserve. The table below shows how the credit loss reserve would be affected based on a negative or positive scenario. The sensitivity analysis is based on analysis of the combined sensitivity of the ECL models applied within the Group. For loans on the Nordax platform the Negative scenario entails increasing the likelihood of the Negative macro scenario from a base assumption of 5 per cent to 30 per cent. Currently 5 percent (5) is applied. For loans on the Bank Norwegian platform the Negative scenario is based on applying 100 per cent weighting of the pessimistic scenario. Current weighting is 32.5 per cent base, 30 per cent optimistic and 37.5 per cent pessimistic, which is the same as per 31 December 2025. For loans on the Nordax platform the positive scenario entails reducing the likelihood of the negative macro scenario to 1 per cent and for Bank Norwegian applying 100 per cent weighting of the optimistic scenario. The negative scenario entails a negative impact on the loan loss reserves of SEK 273m (275), of which SEK 197m (196) relates to loans on the Nordax platform and SEK 76m (79) relates to loans on the Bank Norwegian platform. While the Positive scenario entails a positive impact on the loan loss reserves of SEK 108m (112), of which SEK 31m (31) relates to loans on the Nordax platform and SEK 77m (81) relates to loans on the Bank Norwegian platform. SIGNIFICANT INCREASE IN CREDIT RISK SINCE INITIAL CREDIT ASSESSMENT ("SICR") As of the reporting date, the bank had 50,676 (48,071) accounts in Stage 2 with a total exposure of SEK 6,979m (6,339). An increase of 25 per cent in the number of accounts in Stage 2 would lead to an increase in ECL of SEK 76m (63), and a decrease of 25 per cent would lead to a decrease in ECL of SEK 93m (73). SENSITIVITY ANALYSIS - MACRO SEKm PROBABILITY- NEGATIVE POSITIVE NEGATIVE POSITIVE 30 SEPTEMBER 2026 WEIGHTED SCENARIO SCENARIO SCENARIO SCENARIO LOAN LOSS RESERVE DIFFERENCE COMPARED WITH PROBABILITY - WEIGHTED % Group 13,953 273 -108 2.0% −0.8% 31 DECEMBER 2025 Group 12,247 275 -112 2.2% −0.9%

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46INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) CHANGE ANALYSIS SEKm 30 SEPTEMBER 2026 GROSS PROVISIONS NETTO STAGE 1 STAGE 2 STAGE 3 STAGE 1 STAGE 2 STAGE 3 Closing balance 31 December 2025 115,545 6,339 20,431 -1,787 -1,080 -9,380 130,068 Stage transfers Transfer to/from Stage 1 -4,308 - - 183 - - -4,125 Transfer to/from Stage 2 - 321 - - 24 - 345 Transfer to/from Stage 3 - - 3,987 - - -1,543 2,444 Originated and purchased loans 30,102 935 461 -366 -136 -159 30,836 Derecognition -13,662 -886 -2,657 126 66 853 -16,160 Changes in risk components - - - -43 -11 -200 -255 FX effects, etc. 4,329 270 1,006 -76 -42 -380 5,106 Closing balance 30 September 2026 132,006 6,979 23,228 -1,964 -1,179 -10,810 148,260 31 DECEMBER 2025 GROSS PROVISIONS NETTO STAGE 1 STAGE 2 STAGE 3 STAGE 1 STAGE 2 STAGE 3 Closing balance 31 December 2024 108,313 6,839 19,310 -1,824 -1,168 -8,646 122,825 Stage transfers Transfer to/from Stage 1 -6,374 - - 266 - - -6,109 Transfer to/from Stage 2 - -259 - - 151 - -108 Transfer to/from Stage 3 - - 6,634 - - -2,517 4,117 Origination of new loans 30,798 1,047 510 -397 -177 -187 31,594 Derecognition -14,135 -818 -3,277 139 95 1,627 -16,369 Changes in risk components - - - 16 12 -24 5 FX effects, etc. -3,057 -470 -2,746 12 7 367 -5,886 Closing balance 31 December 2025 115,545 6,339 20,431 -1,787 -1,080 -9,380 130,068 NOTE 14 NET CREDIT LOSSES — GROUP

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47INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 15 DISCLOSURES ON THE CASH FLOW STATEMENT — GROUP SEKm JAN-SEP 2026 JAN-SEP 2025 Adjustment for non-cash items in profit: Unrealised FX effects 933 -1,006 Depreciation/amortisation and impairment of property and equipment and other intangible assets 87 57 Amortisation of transaction surplus values 101 96 Periodisation of financing costs 11 10 Periodisation of acquired surplus value lending to the public 148 143 Unrealised value changes on bonds and other interest-bearing securities 1 -1 Change in value shares and participations 0 0 Unrealised value changes on derivatives -894 1,057 Change in fair value lending to the public 12 5 Net credit losses 3,611 3,593 Share-based remuneration - 17 Total 4,009 3,971 INTEREST RECEIVED AND PAID SEKm JAN-SEP 2026 JAN-SEP 2025 The cash flow from current operations includes interest received and paid in the following amounts Interest received 10,127 9,659 Interest paid 1,428 1,757 NOTE 16 PLEDGED ASSETS AND OTHER COMMITMENTS — GROUP PLEDGED ASSETS FOR OWN LIABILITIES SEKm 30 SEP 2026 31 DEC 2025 Lending to the public 27,096 24,010 Lending to credit institutions 1,275 936 Bonds and other fixed-income securities 4,116 695 Provided cash collateral for derivatives 888 206 Total 33,375 25,847 OTHER COMMITMENTS SEKm (nominal amounts) 30 SEP 2026 31 DEC 2025 Granted but unpaid loans 228 392 Granted but unutilised credits 74,880 62,618 Total 75,109 63,009 of which subject to impairment test 75,109 63,009 NOBA grants security over its assets in connection with the Group’s asset-related funding operations: securitisation and secured funding with international banks, in repo transactions, and derivative contracts. The collateral in the asset-related funding operations consists of pledges over, among other things, shares issued in subsidiaries, accounts receivable and contractual rights, which may be enforced by financiers or counterparties if the Group companies do not fulfil their obligations or manage their commitments as borrowers. Repo transactions are conducted with bonds as collateral. For derivative transactions, cash collateral and bonds are provided in accordance with ISDA and CSA agreements entered with the counterparty. As of the balance sheet date, NOBA has no contingent liabilities.

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48INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 17 TRANSACTIONS WITH RELATED PARTIES ASSETS LIABILITIES INCOME EXPENSES SEKm 30 SEP 2026 31 DEC 2025 30 SEP 2026 31 DEC 2025 JAN-SEP 2026 JAN-SEP 2025 JAN-SEP 2026 JAN-SEP 2025 Svensk Hypotekspension AB 3,798 3,798 -15 -15 108 110 - - NOBA Sverige AB 10 7 -7 -7 0 0 - - Nordax Sverige 5 AB (publ) 8 7 -342 -267 90 67 - - Nordax Sweden Mortgages 1 AB (publ) 0 1 -54 -56 2 2 - - NOBA Finland 1 AB (publ) 4 4 -124 -96 9 22 - - Norrvidd Finance AB (publ)¹ 291 328 - -15 13 - - - Lilienthal Finance Ltd² - - - - - - - - Kredinor Fund Compartment 1 195 216 - - 4 2 - - DBT Capital AB 1,053 - - - 24 - - - Finsol Oy - - -0 - - - -4 - NOBA Asuntorahoitus Oy - - - - - - - - NOBA Funding Management AB (publ) - - - - - - - - Other related parties - - -4 -3 - - -45 -48 Total 5,359 4,361 -547 -459 250 202 -49 -48 During the first quarter, NOBA Bank Group AB (publ) provided new intragroup financing to the recently acquired subsidiary DBT Capital AB in the amount of SEK 951.8m. The financing was primarily utilised to repay DBT Capital AB’s existing funding, thereby fully settling and closing DBT Capital AB’s previous financing arrangements. Other related parties, from a group perspective, consist partly of Nordic Capital Fund VIII and Nordic Capital IX, as well as entities controlled by them. Transactions with these entities are part of NOBA's ordinary course of business, and for the period expenses amount to SEK 45m (88). Transactions with related parties were made on market terms. In connection with the IPO in September 2025, the CEO and board of directors subscribed for a total of 2,138,052 warrants of different series for a total amount of SEK 14.3m. The table below shows group transactions with related par - ties from NOBA Bank Group AB’s (publ) perspective. NOTE 18 NOBA'S SHARE JUL-SEP 2026 APR-JUN 2026 JUL-SEP 2025 JAN-SEP 2026 JAN-SEP 2025 Number of shares Basic number of shares 500,000,000 500,000,000 500,000,000 500,000,000 500,000,000 Average basic number of shares 499,999,783 500,000,000 500,000,000 499,969,842 500,000,000 Diluted number of shares¹ 500,300,188 500,624,751 500,430,339 500,291,591 500,430,339 Average diluted number of shares¹ 500,501,264 500,842,275 500,183,855 500,288,661 500,112,620 Profit for the period, attributable to shareholders, SEKm 1,183 1,050 855 3,179 2,460 Basic earnings per share, SEK 2.37 2.10 1.71 6.36 4.92 Diluted earnings per share, SEK 2.36 2.10 1.71 6.35 4.92 Share price, end of period, SEK 87.90 78.00 94.00 87.90 94.00 Market capitalisation, end of period, SEKbn 44.0 39.0 47.0 44.0 47.0 1 Including RSUs and dilution effect of potential shares in the long-term equity-based programmes. 1 Formerly known as NOBA Nordic 1 AB. 2 Lilienthal Finance Limited has been dissolved with an effective date of 20 May, 2026.

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49INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 19 ACQUISITION OF DBT CAPITAL AB On December 18, 2025, NOBA announced that the company had entered into an agreement with the owners of DBT Capital AB to acquire all shares in the company. After all conditions for the transaction were fulfilled, the transaction was completed on February 2, 2026. The purchase price was paid in cash and amounted to a total of SEK 397m. Goodwill primarily relates to future customers, market posi- tion, workforce and know-how. Goodwill is not expected to be deductible for tax purposes. Since the acquisition, DBT Capital AB has contributed to the Group's operating income with SEK 55m (for the period of Feb- ruary 2 to September 30) and to profit before tax, before costs related to the acquisition process, with SEK 2m. If the acquisition had been completed on January 1, 2026, the NOBA group's operating income and profit before tax as of September 30, would have amounted to SEK 9,290m and SEK 4,388m, respectively. These amounts have been calculated using the subsidary's results as well as the additional group adjustments specified below. In connection with the acquisition, loans to the public were val- ued at their fair value which results in an adjustment of interest income to reflect the group's effective interest rate on the acquired loan portfolio. In addition, on a group level adjustment has been made for amortisation of identified intangible assets in the acquisition. SEKm 2026-02-02 Assets Lending to credit institutions 199 Lending to the public 1,027 Intangible assets 27 Other assets 27 Deferred tax asset 35 Prepaid expenses & accrued income 1 Total acquired assets 1,315 Liabilities Liabilities to credit institutions -947 Other liabilities -100 Total acquired liabilities -1,047 Total acquired net assets 269 Goodwill 128 Cash impact from acquisition Consideration paid in cash -397 Less: Acquired cash and cash equivalents 199 Net cash flow -198

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50INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) NOTE 20 SIGNIFICANT EVENTS AFTER THE BALANCE SHEET DATE On 1 October, NOBA issued SEK 300m and NOK 300m of senior preferred bonds in a tap of outstanding senior preferred bonds maturing in October 2029. Subsequent to the end of the quarter, Chief Technology Officer Adam Wiman announced his resignation. He will remain in his role until the end of the first quarter of 2027, and NOBA has ini- tiated the recruitment of his successor.

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51INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) PARENT COMPANY SEKm JUL-SEP 2026 APR-JUN 2026 JUL-SEP 2025 JAN-SEP 2026 JAN-SEP 2025 Operating income Interest income 3,905 3,691 3,500 11,077 10,326 of which interest income according to the effective interest method 3,898 3,687 3,453 11,059 10,179 Interest expense -974 -940 -880 -2,780 -2,809 Total net interest income 2,932 2,750 2,621 8,297 7,518 Commission income 317 282 278 866 788 Commission expenses -111 -98 -73 -298 -232 Net profit from financial transactions 6 -26 -31 -7 -77 Other operating income¹ 41 32 30 102 90 Total operating income 3,184 2,941 2,825 8,960 8,086 Operating expenses General administrative expenses -464 -442 -560 -1,346 -1,408 Depreciation/amortisation and impairment of property and equipment and other intangible assets -24 -21 -14 -62 -38 Amortisation of transaction surplus values -152 -148 -141 -441 -425 Other operating expenses -225 -204 -215 -611 -575 Total operating expenses -865 -816 -929 -2,460 -2,446 Profit before credit losses 2,319 2,125 1,895 6,500 5,640 Net credit losses -836 -866 -902 -2,611 -2,802 Operating profit 1,483 1,259 994 3,889 2,838 Tax on profit for the period -371 -314 -245 -998 -698 Profit for the period 1,111 946 748 2,890 2,140 Attributable to: The Parent Company’s shareholders 1,041 886 700 2,703 1,994 Holders of Tier 1 capital 70 59 48 187 146 1 Other operating income includes income from securitised lending to the public, among other things. FINANCIAL STATEMENTS — PARENT COMPANY INCOME STATEMENT, CONDENSED

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52INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) STATEMENT OF COMPREHENSIVE INCOME, CONDENSED PARENT COMPANY SEKm JUL-SEP 2026 APR-JUN 2026 JUL-SEP 2025 JAN-SEP 2026 JAN-SEP 2025 Profit for the period 1,111 946 748 2,890 2,140 Items to be reclassified in the income statement Gains and losses on revaluation of cash flow hedges during the period 85 -51 34 83 5 Tax on gains and losses on revaluation of cash flow hedges during the period -17 10 -7 -17 -1 Total cash flow hedges 68 -41 27 66 4 Debt instruments at fair value through other comprehensive income -6 25 12 17 15 Tax on debt instruments at fair value through other comprehensive income 1 -5 -2 -4 -3 Total debt instruments at fair value through other comprehensive income -4 20 10 14 12 Translation of foreign operations 1,457 80 100 2,883 -531 Tax on translation of foreign operations -194 -2 -12 -350 67 Hedge accounting of net investment in foreign operations -1,229 -145 -149 -2,457 157 Tax on hedge accounting of net investment in foreign operations 253 30 31 506 -32 Total translation of foreign operations 287 -37 -29 582 -339 Items not to be reclassified in the income statement Equity instrument at fair value through other comprehensive income 2 0 0 2 -39 Total equity instrument at fair value through other comprehensive income 2 0 0 2 -39 Total other comprehensive income for the period 351 -58 7 663 -362 Total comprehensive income for the period 1,463 888 755 3,554 1,778 Attributable to: The Parent Company’s shareholders 1,393 829 708 3,367 1,632 Holders of Tier 1 capital 70 59 48 187 146

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53INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) STATEMENT OF FINANCIAL POSITION, CONDENSED PARENT COMPANY SEKm 30 SEP 2026 31 DEC 2025 Assets Cash and balances with central banks 346 1,146 Treasury bills eligible for repayment, etc. 1,860 1,698 Lending to credit institutions 7,268 4,240 Lending to the public 138,462 121,163 Bonds and other fixed-income securities 15,032 13,774 Other shares 7 7 Shares in group companies 1,583 1,173 Derivatives 1,018 452 Intangible assets 5,472 5,128 Property and equipment 7 9 Current tax assets 24 23 Deferred tax assets 261 97 Other assets 6,325 4,544 Prepaid expenses and accrued income 179 66 Total assets 177,844 153,519 LIABILITIES, PROVISIONS AND EQUITY Liabilities Liabilities to credit institutions 4,086 687 Deposits from the public 118,914 107,870 Issued securities 8,077 4,345 Deemed loan liability¹ 12,827 11,068 Derivatives 1,452 409 Current tax liabilities 901 718 Deferred tax liability 522 527 Other liabilities 1,486 1,424 Accrued expenses and deferred income 546 429 Subordinated liabilities 2,236 1,804 Total liabilities 151,049 129,281 Equity Share capital 73 73 Development expenditure fund 313 205 Share premium fund 4,476 4,476 Warrants reserve 60 57 Fair value fund -782 -1,445 Tier 1 capital instruments 3,684 2,928 Retained earnings 16,081 14,793 Profit for the year 2,890 3,151 Total equity 26,795 24,238 Total liabilities, provisions and equity 177,844 153,519 1 Liabilities to securitisation firms refer mainly to liabilities to subsidiaries for securitised lending to the public.

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54INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) STATEMENT OF CHANGES IN EQUITY, CONDENSED PARENT COMPANY SEKm TOTAL RESTRICTED EQUITY NON-RESTRICTED EQUITY Opening balance 1 January 2026 73 205 4,476 57 -53 -1,453 61 17,944 21,310 2,928 24,238 Comprehensive income Net profit/loss for the period - - - - - - - 2,703 2,703 187 2,890 Other comprehensive income - - - - 15 582 66 - 663 0 663 Total comprehensive income - - - - 15 582 66 2,703 3,366 187 3,554 Paid interest in Tier 1 capital instruments - - - - - - - - - -187 -187 Issued capital instruments - - - - - - - - - 741 741 Change in Tier 1 capital instruments - - - - - - - -14 -14 14 0 Dividend paid - - - - - - - -1,550 -1,550 - -1,550 Ongoing new share issue³ 0 - - - - - - -0 0 - 0 Warrant issue⁴ - - - 3 - - - - 3 - 3 Repurchase of warrants - - - -0 - - - -0 -0 - -0 Share swap - - - - - - - -3 -3 - -3 Development expenditure fund Capitalisation - 157 - - - - - -157 0 - 0 Amortisation - -48 - - - - - 48 0 - 0 Total development expenditure fund - 109 - - - - - -109 0 - 0 Closing balance 30 September 2026 73 313 4,476 60 -38 -871 127 18,971 23,111 3,684 26,795 Retained earnings incl. profit for the period Cash flow hedges²Development expenditure fund Warrants issueShare capital Fair value reserve² Tier 1 capital instrumentsSumTranslation of foreign ope - rations, net² Registered share capital as at 30 September 2026 comprised 500,000,000 shares of the same class, with a quota value of SEK 0.1454 par share. During the third quarter of 2026, 95,518 new shares were subscribed for through the exercise of warrants for the delivery of shares under the company´s RSU programme. Following the registration of the new share issue with the Swedish Companies Registration Office (Bolagsverket) on 1 October 2026, the share capital amounts to SEK 72,713,888.3172 and the number of shares to 500,095,518. ¹ Of which SEK 7m is restricted ² Fair value fund 3 Relates to 95,518 shares subscribed during the third quarter of 2026 through the exercise of warrants for the delivery of shares under NOBA´s RSU programme. The increase in share capital amounts to SEK 13,888. The new share issue was registered with the Swedish Companies Registration Office (Bolagsverket) on 1 October 2026. 4 At NOBA Bank Group AB (publ)´s Annual General Meeting held on 21 May 2026, a resolution was passed to issue warrants under a long-term incentive programme. As the participants paid fair market value at the time of subscription, no expenses have been recognised in connection with the issuance of the warrants. As of the balance sheet date, warrants with a value of SEK 2.8m have been subscribed. Share premium fund¹

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55INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) STATEMENT OF CHANGES IN EQUITY, CONDENSED PARENT COMPANY SEKm T OTAL RESTRICTED EQUITY NON-RESTRICTED EQUITY Opening balance 1 January 2025 73 96 4,476 - -30 -863 32 15,099 18,882 2,163 21,045 Comprehensive Income Net profit/loss for the period - - - - - - - 1,994 1,994 146 2,140 Other comprehensive income - - - - -27 -339 4 - -362 - -362 Total comprehensive income - - - - -27 -339 4 1,994 1,632 146 1,778 Paid interest in Tier 1 capital instruments - - - - - - - - - −148 -148 Change in Tier 1 capital instruments - - - - - - - -16 -16 16 0 Share-based remuneration - - - - - - - 17 17 - 17 Warrant issue - - - 58 - - - - 58 - 58 Development expenditure fund CapitalisatIon - 100 - - - - - -100 0 - 0 Amortisation - -23 - - - - - 23 0 - 0 Total development expenditure fund - 77 - - - - - -77 0 - 0 Closing balance 30 September 2025 73 173 4,476 58 -57 -1,202 36 17,017 20,573 2,177 22,750 Retained earnings incl. profit for the period Cash flow hedges²Development expenditure fund Share premium fund¹Share capital Fair value reserve² Tier 1 capital instrumentsSumTranslation of foreign ope - rations, net² ¹ Of which SEK 7m is restricted. ² Fair value fund Warrants issue

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56INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) STATEMENT OF CASH FLOWS, CONDENSED PARENT COMPANY SEKm NOTE JAN-SEP 2026 JAN-SEP 2025 Operating activities Operating profit 3,889 2,838 Adjustment for non-cash items PC3 4,150 4,199 Paid income tax -1,001 -534 Cash flow from operating activities before change in operating assets and liabilities 7,038 6,504 Change in operating assets and liabilities Decrease/increase in treasury bills eligible for repayment, etc. -162 -167 Decrease/increase in lending to credit institutions 54 - Decrease/increase in lending to the public -14,705 -13,123 Decrease/increase in deposits from the public 5,330 1,246 Decrease/increase in bonds and other interest-bearing securities -116 -4,574 Decrease/increase in issued securities 3,604 2,155 Decrease/increase in liabilities to credit institutions 3,400 3,052 Decrease/increase in liabilities to securitisation firms 1,595 819 Change in derivatives, net -1,001 -798 Decrease/increase in other assets -1,839 75 Decrease/increase in other liabilities 113 296 Cash flow from operating assets and liabilities -3,727 -11,019 Total cash flow from operating activities 3,311 -4,515 Investing activities Purchase of shares and participations -410 - Acquisition of property and equipment and intangible assets -169 -144 Cash flow from investing activities -579 -144 Financing activities Paid shareholder contribution -1,550 - Issued subordinated loans 350 - Issued Tier 1 captial instruments¹ 741 - Paid interest Tier 1 Captial instruments -187 -148 Warrants issue 2 - Repurchase of warrants 0 - Ongoing new share issue 0 - Payment of share swap -3 Cash flow from financing activities -647 -148 Cash flow for the period 2,085 -4,807 Cash and cash equivalents at the beginning of the period 5,167 11,115 Acquired cash and cash equivalents - - Exchange rate differences in cash and cash equivalents at the end of the period 198 -84 Cash and cash equivalents at the end of the period 7,450 6,224 Cash and cash equivalents are defined as cash and balances with central banks and lending to credit institutions (excluding the Riksbank's deposit requireme nt). Pledged lending to credit institutions are available to NOBA in connection with monthly settlements under financing agreements, and are therefore defined as cash and cash equivalents, due to being pledged for a maximum of 30 days and therefore short-term. ¹ Additional setup costs during Q3 2026 of SEK 3m.

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57INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) PARENT COMPANY NOTE 1 ACCOUNTING AND MEASUREMENT POLICIES The parent company's interim report was prepared in accordance with the Swedish Annual Accounts Act for Cre - dit Institutions and Securities Companies (1995:1559), the Swedish Corporate Reporting Board’s recommendation RFR 2 – Accounting for legal entities and the Swedish Financial Supervisory Authority’s Regulations FFFS 2008:25 Annual accounts for credit institutions and securities companies . The accounting policies have not been changed compared to the 2025 Annual Report. No new or amended laws, accounting standards or interpretations with material effect entered into force in 2026.

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58INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) CAPITAL ADEQUACY — PART 1 SEKm 30 SEP 2026 31 DEC 2025 Own funds Common Equity Tier 1 (CET1) capital before deduction of regulatory adjustments 21,984 19,974 Total deduction of regulatory adjustment to CET1 capital -5,750 -5,281 Common Equity Tier 1 (CET1) capital after deduction of regulatory adjustments 16,234 14,693 Additional Tier 1 capital 2,284 2,182 Sum Tier 1 Capital 18,519 16,875 Tier 2 Capital 1,579 1,804 Total capital 20,098 18,679 Risk exposure amount, credit risk 108,297 94,185 Risk exposure amount, market risk - - Risk exposure amount, operational risk 7,641 7,641 Risk exposure amount, credit value adjustment (CVA) 229 206 Total risk exposure amount (risk weighted assets) 116,166 102,032 Capital ratios and buffers Common Equity Tier 1 capital ratio 13.97% 14.40% Tier 1 capital ratio 15.94% 16.54% Total capital ratio 17.30% 18.31% Total Common Equity Tier 1 capital requirement including buffer requirement 9.51% 9.42% - of which capital conservation buffer requirement 2.50% 2.50% - of which countercyclical capital buffers 1.55% 1.52% -of which systemic risk buffer 0.96% 0.89% SPECIFICATION OWN FUNDS Common Equity Tier 1 capital: Capital instruments and related share premium 4,862 4,753 - of which share capital 73 73 - of which other contributed capital 4,476 4,476 - of which other funds 313 205 Retained earnings 16,081 14,793 Accumulated other comprehensive income -782 -1,445 Deferred tax liabilities attributable to other intangible assets 283 271 Independently audited interim results 2,890 3,151 Foreseeable dividends -1,350 -1,550 Common Equity Tier 1 capital before regulatory adjustments 21,984 19,974 PARENT COMPANY NOTE 2 CAPITAL ADEQUACY ANALYSIS

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59INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) CAPITAL ADEQUACY — PART 2 SEKm 30 SEP 2026 31 DEC 2025 Regulatory adjustments: (-) Intangible assets -5,472 -5,128 Additional value adjustments -278 -153 Total regulatory adjustment to Common Equity Tier 1 capital -5,750 -5,281 Common Equity Tier 1 capital 16,234 14,693 Tier 1 capital - Additional Tier 1 capital 2,284 2,182 Tier 1 capital, total 18,519 16,875 Tier 2 capital - Tier 2 1,579 1,804 Total capital exposure amount 20,098 18,679 Specification of risk exposure amount Exposures to national governments and central banks 653 243 Exposures to regional governments and local authorities - - Exposures to institutions 1,660 967 Exposures in the form of covered bonds 1,148 866 Retail exposures 86,102 75,913 Exposures secured by mortgages on immovable property 3,747 2,966 Equity exposures 1,617 1,196 Exposures in default 12,090 10,805 Securitisation exposure 564 637 Exposures to corporates 290 328 Other items 425 266 Total risk exposure amount for credit risk, standardised approach 108,297 94,185 Foreign exchange risk - - Total risk exposure amount for foreign exchange risk - - Operational risk 7,641 7,641 Total risk exposure amount for operational risks 7,641 7,641 Credit valuation adjustment risk (CVA) 229 206 Total risk exposure amount for credit valuation adjustment risk 229 206 Total risk exposure amount 116,166 102,032 PARENT COMPANY NOTE 2 CAPITAL ADEQUACY ANALYSIS

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60INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) CAPITAL ADEQUACY — PART 3 SEKm 30 SEP 2026 31 DEC 2025 Specification own funds requirements (8 percent of REA) Credit risk Exposures to national governments and central banks 52 19 Exposures to regional governments and local authorities - - Exposures to institutions 133 77 Exposures in the form of covered bonds 92 69 Retail exposures 6,888 6,073 Exposures secured by mortgages on immovable property 300 237 Equity exposures 129 96 Exposures in default 967 864 Securitisation exposure 45 51 Exposures to corporates 23 26 Other items 34 21 Total capital requirement for credit risk 8,664 7,535 Market risk Foreign exchange risk - - Total risk exposure amount for market risk - - Operational risk Operational risk 611 611 Total risk exposure amount for operational risk 611 611 Credit valuation adjustment risk (CVA) Credit valuation adjustment risk (CVA) 18 17 Total capital requirement for CVA risk 18 17 Total Capital Requirement 9,293 8,163 Capital Requirement, % of REA Pillar 1 8.00% 8.00% Pillar 2, SREP 1.41% 1.41% Capital conservation buffer 2.50% 2.50% Institution-specific countercyclical buffer 1.55% 1.52% Systemic risk buffer — Norway 0.96% 0.89% Total Capital Requirement 14.42% 14.33% Capital Requirement, SEKm Pillar 1 9,293 8,163 Pillar 2 1,638 1,439 Capital conservation buffer 2,904 2,551 Institution-specific countercyclical buffer 1,804 1,554 Systemic risk buffer — Norway 1,116 913 Total Capital Requirement 16,755 14,618 PARENT COMPANY NOTE 2 CAPITAL ADEQUACY ANALYSIS

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61INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) CAPITAL ADEQUACY — PART 3 CONTINUED SEK m 30 SEP 2026 31 DEC 2025 LEVERAGE RATIO Total exposure measure for calculating leverage ratio 174,793 151,044 Tier 1 capital 18,519 16,875 Leverage ratio 10.59% 11.17% Leverage ratio requirement, as a percentage of exposure for leverage ratio Leverage ratio requirement 3.00% 3.00% Leverage ratio requirement Pillar 2 - - Pillar 2 guidance for leverage ratio - - Total leverage ratio requirement, including pillar 2 guidance 3.00% 3.00% Leverage ratio requirement, SEK m Leverage ratio requirement 5,244 4,531 Pillar 2 guidance for leverage ratio - - Total leverage ratio requirement, including pillar 2 guidance 5,244 4,531 PARENT COMPANY NOTE 2 CAPITAL ADEQUACY ANALYSIS

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62INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) PART1 SEKm A 20260930 B 20260630 C 20260331 D 20251231 E 20250930 Available own funds (amounts) 1 Common Equity Tier 1 (CET1) capital 16,234 15,637 15,159 14,693 14,894 2 Tier 1 capital 18,519 19,319 17,345 16,875 17,071 3 Total capital 20,098 21,164 19,181 18,679 18,893 Risk-weighted exposure amounts 4 Total risk exposure amount 116,166 109,731 107,694 102,032 101,530 Capital ratios (% of risk-weighted exposure amount) 5 Common Equity Tier 1 ratio (%) 13.97% 14.25% 14.08% 14.40% 14.67% 6 Tier 1 capital (%) 15.94% 17.61% 16.11% 16.54% 16.81% 7 Total capital ratio (%) 17.30% 19.29% 17.81% 18.31% 18.61% Additional own funds requirements to address risks other than the risk of excessive leverage (% of risk-weighted exposure amount) EU 7a Additional own funds requirements to address risks other than the risk of excessive leverage (%) 1.41% 1.41% 1.41% 1.41% 1.41% EU 7b of which: to be made up of the CET 1 capital (%) 0.79% 0.79% 0.79% 0.79% 0.79% EU 7c of which: to be made up of Tier 1 capital (%) 1.06% 1.06% 1.06% 1.06% 1.06% EU 7d Total SREP own funds requirements (%) 9.41% 9.41% 9.41% 9.41% 9.41% Combined buffer and overall capital requirements (% of risk-weighted exposure amount) 8 Capital conservation buffer (%) 2.50% 2.50% 2.50% 2.50% 2.50% EU 8a Conservation buffer due to macro-prudential or syste - matic risk identified at the level of a Member State (%) - - - - - 9 Institution-specific countercyclical capital buffer (%) 1.55% 1.54% 1.54% 1.52% 1.52% EU 9a Systemic risk buffer (%) 0.96% 0.93% 0.92% 0.89% 0.92% 10 Global Systemically Important Institution buffer (%) - - - - - EU 10a Other Systemically Important Institution buffer (%) - - - - - 11 Combined buffer requirements (%) 5.01% 4.96% 4.97% 4.92% 4.94% EU 11a Overall capital requirements (%) 14.42% 14.37% 14.38% 14.33% 14.35% 12 CET 1 available after meeting the total SREP own funds requirements (%) 7.89% 8.96% 8.40% 8.90% 9.20% Leverage ratio 13 Leverage ratio total exposure measure (amounts) 174,793 163,062 158,933 151,044 155,321 14 Leverage ratio (%) 10.59% 11.85% 10.91% 11.17% 10.99% Table “Template EU KM1 — Key metrics template in accor - dance with Article 447 Regulation EU No 575/2013” PARENT COMPANY NOTE 2 CAPITAL ADEQUACY ANALYSIS

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63INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) PART 2 SEKm A 20260930 B 20260630 C 20260331 D 20251231 E 20250930 Additional own funds requirements to address the risk of excessive leverage (% of total exposure measure) EU 14a Additional own funds requirements to address the risk of excessive leverage (%) - - - - - EU 14b of which: to be made up of CET 1 capital (%) - - - - - EU 14c Total SREP leverage ratio requirements (%) 3.00% 3.00% 3.00% 3.00% 3.00% Leverage ratio buffer and overall leverage ratio requi - rement (% of total exposure measure) EU 14d Leverage ratio buffer and overall leverage ratio requi - rement (%) - - - - - EU 14e Overall leverage ratio requirements (%) 3.00% 3.00% 3.00% 3.00% 3.00% Liquidity Coverage Ratio¹ 15 Total high-quality liquid assets (HQLA) (Weighted aver - age value) 14,466 15,600 16,426 18,051 18,381 EU 16a Cash outflows - Total weighted value 15,289 15,564 16,394 17,110 17,988 EU 16b Cash inflows - Total weighted value 5,760 5,403 5,595 5,333 5,746 16 Total net cash outflows (adjusted value) 9,528 10,161 10,799 11,777 12,242 17 Liquidity coverage ratio 152.55% 154.51% 152.19% 153.54% 150.14% Net Stable Funding Ratio 18 Total available stable funding 140,704 135,894 132,855 127,099 127,950 19 Total required stable funding 128,407 121,596 117,520 113,336 113,076 20 NSFR ratio (%) 109.58% 111.76% 113.05% 112.14% 113.15% Template EU KM1 — Key metrics template in accordance with Regulation EU No 575/2013 1 Expressed as simple averages of the observations at the end of the month during the twelve months before the end of the quarter. PARENT COMPANY NOTE 2 CAPITAL ADEQUACY ANALYSIS

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64INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) PARENT COMPANY NOTE 3 DISCLOSURES ON THE CASH FLOW STATEMENT SEKm JAN-SEP 2026 JAN-SEP 2025 Adjustment for non-cash items in profit: Unrealised FX effects 930 -1,007 Depreciation/amortisation and impairment of property and equipment and other intangible assets 62 134 Amortisation of transaction surplus values 441 330 Periodisation of financing costs 11 10 Periodisation of acquired surplus value lending to the public 140 140 Unrealised value changes on bonds and other interest-bearing securities 1 -1 Change in value shares and participations 0 0 Unrealised value changes on derivatives -894 1,057 Net credit losses 3,459 3,520 Share-based remuneration - 17 Total 4,150 4,199 INTEREST RECEIVED AND PAID SEKm JAN-SEP 2026 JAN-SEP 2025 The cash flow from current operations includes interest received and paid in the following amounts Interest received 10,249 9,755 Interest paid 1,282 1,591

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65INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) ASSURANCE OF THE CHIEF EXECUTIVE OFFICER The Chief Executive Officer assures that this financial report for the period 1 January 2026 through 30 September 2026 provides a fair overview of the parent company’s and the group’s operations, their financial position and results, and describes material risks and uncertainties facing the parent company and the group. Stockholm, 2 November, 2026 JACOB LUNDBLAD CHIEF EXECUTIVE OFFICER This interim report has been reviewed by the company's auditors.

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66INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) AUDITOR'S REVIEW REPORT INTRODUCTION We have reviewed the condensed interim financial informa - tion (interim report) for NOBA Bank Group AB (publ) as of 30 September 2026 and for the nine-month period then ended. The Board of Directors and the CEO are responsible for the preparation and presentation of this interim report in accor - dance with IAS 34 and the Annual Accounts Act for Credit Institutions and Securities Companies. Our responsibility is to express a conclusion on this interim report based on our review. SCOPE OF REVIEW We conducted our review in accordance with the International Standard on Review Engagements ISRE 2410 Review of Interim Financial Information performed by the company’s auditors. A review consists of making inquiries, primarily with persons responsible for financial and accounting matters, and applying analytical and other review procedures. A review is substan - tially less in scope than an audit conducted in accordance with ISA and other generally accepted auditing practices. The procedures performed in a review do not enable us to obtain a level of assurance that would make us aware of all signifi - cant matters that might be identified in an audit. Therefore, the conclusion expressed based on a review does not give the same level of assurance as a conclusion expressed based on an audit. CONCLUSION Based on our review, nothing has come to our attention that causes us to believe that the interim report is not, in all mate - rial aspects, prepared for the Group in accordance with IAS 34 and the Annual Accounts Act for Credit Institutions and Secu - rities Companies, and for the Parent Company in accordance with the Annual Accounts Act for Credit Institutions and Secu - rities Companies. Stockholm, 2 November, 2026 Deloitte AB Signature on Swedish original JOHAN STENBÄCK AUTHORISED PUBLIC ACCOUNTANT

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67INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) DEFINITIONS THE GROUP CONSIDERS THE KEY FIGURES TO BE RELEVANT TO USERS OF THE FINANCIAL REPORT AS A COMPLEMENT IN ASSESSING THE FINANCIAL PERFORMANCE OF THE GROUP Additional Tier 1 capital Capital instruments that are perpetual and meet certain other conditions in order to be counted as Tier 1 capital under Regu - lation (EU) No 575/2013. Adjusted cost/income ratio (C/I ratio) Operating expenses excluding transformation costs in relation to total operating income. Adjusted earnings per share from core operations before dilution Adjusted profit for the period, see adjustments under "adjusted core profit for the period", attributable to shareholders in relation to the weighted average number of shares outstanding before dilution. Adjusted core profit for the period Profit for the period adjusted for transformation costs, amortisation of transaction surplus values and operating profit from portfolios included in operating segment "Other". Adjusted core operating profit Operating profit adjusted for transformation costs, amortisation of transaction surplus values and operating profit from portfolios included in operating segment "Other". Adjusted core return on equity excl. intangible assets and Tier 1 capital (Core ROTE) Adjusted profit for the period, see adjustments under "adjusted core profit for the period", after deduction of profit attributable to holders of Tier 1 capital in relation to total equity after deduction of intangible assets and Tier 1 capital. The denominator is calculated as an average where quarterly figures consist of a two-point average and YTD figu - res consist of a two- to five-point average depending on the number of quarters elapsed. Average loan portfolio Average lending to the public, where quarterly figures consist of a two-point average, while YTD figures consist of a two- to five-point average depending on the number of quarters elapsed. Average number of employees The average number of hours worked during the period, con - verted to full -time equivalents (FTE). Excluding employees on long-term sick leave and parental leave. Cost/income ratio (C/I ratio) Total operating expenses in relation to total operating income. Common Equity Tier 1 capital Equity excluding foreseeable dividend, deferred tax assets, intangible assets and certain other adjustments as defined in Regulation (EU) No 575/2013. Common Equity Tier 1 capital ratio Common Equity Tier 1 capital in relation to Total risk exposure amount. Core ROTE See "Adjusted core return on equity excl. intangible assets and Tier 1 capital". Credit loss level (%) Net credit losses in relation to the average loan portfolio. Basic earnings per share Profit for the period attributable to shareholders in relation to the weighted average number of shares outstanding before dilution. Diluted earnings per share Profit for the period attributable to shareholders in relation to the weighted average number of shares, adjusted for the dilu - tion effect of potential shares. Leverage ratio Tier 1 capital in relation to the total exposure measure in accordance with Regulation (EU) No 575/2013 (CRR), calcula - ted as the sum of exposure values for assets and off-balance sheet items. The exposure value for off-balance sheet items and certain assets, such as derivatives, is calculated in accor - dance with specific rules in the Regulation . Liquidity Coverage Ratio (LCR) High-quality liquid assets in relation to the estimated net cash outflows over the next 30 calendar days, as defined in Com - mission Delegated Regulation (EU) 2015/61 and Regulation (EU) No 575/2013. Liquidity reserve A ring-fenced reserve of high-quality liquid assets that can be used to secure short -term payment capacity in the event of loss of, or deteriorated access to, normally available funding sources, in accordance with the regulations of the Swedish Financial Supervisory Authority (FFFS 2010:7, Chapter 4, Sec - tion 5).

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68INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) DEFINITIONS Net interest margin (%) Net interest income in relation to average loan portfolio. Net Stable Funding Ratio (NSFR) Available stable funding in relation to required stable funding in a 1-year perspective, calculated according to Regulation (EU) No 575/2013. Own funds The sum of Tier 1 and Tier 2 capital. Return on equity excluding intangible assets and Tier 1 capi - tal (ROTE) Profit for the period after deduction of profit attributable to holders of Tier 1 capital in relation to total equity after deduction of intangible assets and Tier 1 capital. The deno - minator is calculated as an average where quarterly figures consist of a two-point average and YTD figures consist of a two- to five-point average depending on the number of quar - ters elapsed. Return on total assets Profit for the period in relation to total assets. The denomina - tor is calculated as an average where quarterly figures consist of a two-point average and YTD figures consist of a two- to five-point average depending on the number of quarters elapsed. Risk exposure amount Total assets and off-balance sheet items, weighted in accor - dance with capital adequacy regulation for credit and market risks. Operational risks are measured and added as risk expo - sure amount. ROTE See "Return on equity excluding intangible assets and Tier 1 capital". Tier 1 capital Common Equity Tier 1 capital plus Additional Tier 1 capital. Tier 1 capital ratio Tier 1 capital in relation to the Total risk exposure amount. Tier 2 capital Subordinated liabilities that fulfills the requirements in Regu - lation (EU) No 575/2013 to be included in total capital. Total capital ratio Total own funds in relation to the Total risk exposure amount. Total risk-weighted exposure amount The sum of risk exposure amounts for credit, market and ope - rational risk, as well as credit valuation adjustment risk (CVA) for derivatives, calculated in accordance with Regulation (EU) No 575/2013. Transformation costs Costs incurred over a limited period with the clear purpose of transforming the bank.

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69INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) RECONCILIATION ALTERNATIVE PERFORMANCE MEASURES SEKm (if not otherwise stated) JUL-SEP 2026 JUL-SEP 2025 JAN-SEP 2026 JAN-SEP 2025 Total net interest income 3,054 2,712 8,644 7,788 Lending to the public, end of period 151,004 131,459 151,004 131,459 Average lending to the public 147,176 129,512 141,468 126,839 Net interest margin (%) 8.3% 8.4% 8.1% 8.2% Total operating expenses -742 -803 -2,110 -2,062 Transformation costs - -157 - -233 Total operating expenses excl. transformation costs -742 -646 -2,110 -1,829 Total operating income 3,290 2,913 9,286 8,348 C/I-ratio (%) 22.6% 27.6% 22.7% 24.7% Adjusted C/I-ratio (%) 22.6% 22.2% 22.7% 21.9% Net credit losses -883 -918 -2,678 -2,850 Lending to the public, end of period 151,004 131,459 151,004 131,459 Average lending to the public 147,176 129,512 141,468 126,839 Credit loss level (%) 2.4% 2.8% 2.5% 3.0% Operating profit 1,630 1,161 4,397 3,340 Transformation costs - -157 - -233 Amortisation of transaction surplus values -35 -32 -101 -96 Operating profit from segment "Other" -3 -8 -4 -30 Adjusted core operating profit 1,668 1,357 4,500 3,699 Profit for the period, attributable to shareholders 1,183 855 3,179 2,460 Adjusted core profit for the period, attributable to shareholders 1,213 1,009 3,261 2,742 Total equity, end of period 29,525 24,817 29,525 24,817 Intangible assets, end of period 8,655 7,781 8,655 7,781 Tier 1 capital instruments, end of period 3,684 2,177 3,684 2,177 Average total equity 28,700 24,349 27,833 23,666 Average intangible assets 8,434 7,767 8,159 7,837 Average Tier 1 capital instruments 3,683 2,175 3,307 2,170 Average net of total equity, intangible assets and Tier 1 capital instruments att - ributable to segment "Other" 202 85 173 92 Return on equity excl. intangible assets and Tier 1 capital (ROTE) (%) 28.5% 23.7% 25.9% 24.0% Adjusted core return on equity excl. intangible assets and Tier 1 capital (Core ROTE) (%) 29.6% 28.2% 26.8% 26.9% Profit for the period, attributable to shareholders 1,183 855 3,179 2,460 Adjusted core profit for the period, attributable to shareholders 1,213 1,009 3,261 2,742 Average basic number of shares 500 500 500 500 Basic earnings per share (SEK) 2.4 1.7 6.4 4.9 Adjusted core basic earnings per share (SEK) 2.4 2.0 6.5 5.5

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70INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL) 1 NOBA Bank Group AB (publ) Gävlegatan 22 113 30 Stockholm, Sweden Corporate Identity No. 556647-7286 Registered office: Stockholm CONTACT Patrick MacArthur / CFO Rickard Strand / Head of IR Oliver Hofmann / Head of Communications & ESG This information is information that NOBA Bank Group AB (publ) is obliged to make public pursuant to the EU Market Abuse Regulation. The information was submitted for publication through the contact persons listed above at 7:30 am CET on 3 Novem - ber 2026. patrick.macarthur@noba.bank ir@noba.bank press@noba.bank 70INTERIM REPORT JANUARY–SEPTEMBER 2026 NOBA BANK GROUP AB (PUBL)

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