Sustainable financing

As a large lender and facilitator, DNB has real influence on our customers. By setting accountability requirements, we can influence positive social development and also reduce our customers’ and our own risk.

DNB’s long-term profitability is dependent on customers making choices that reduce risk while also seizing opportunities to contribute to the sustainable transition.

Sustainability in DNB’s credit processes

ESG factors (environment and climate, social relationships and corporate governance) are an integral part of our customer dialogue and risk management. Through customer dialogue, we contribute to higher awareness of risks and opportunities related to sustainability. We are also a constructive conversation partner for our customers around topics such as ESG strategy and sustainability reporting.

For all customers with an overall credit commitment of over NOK 8 million, ESG risk must be assessed in the credit process. For credit commitments of over NOK 50 million, we use a separate ESG risk assessment tool.

The aim of the risk assessments is to find out whether our customers

• are prepared for the ESG risk scenario they are facing, and have set themselves goals and plans for reducing risk and exploiting opportunities.
• comply with relevant laws and regulations, adapting to new ones that come, and satisfy the ESG guidelines for DNB.
• have the competence and capacity to follow up on their own sustainability-related goals.
• have established relevant measurement parameters, and shows a positive development in these.

Sustainable products

DNB has a major indirect impact on the climate and the environment through the companies we finance.

We have set ourselves the goal of financing the climate transition and will be a driving force for sustainable value creation. To be successful with this, we need good sustainable products to offer our customers.

We offer sustainable financing on favourable terms for both private customers and corporate customers, such as green car and home mortgages, green business loans and sustainability-linked corporate loans. In addition, we facilitate various sustainable bonds.