The material areas are where our daily activities have a positive or negative impact of a magnitude. We divide those into the environmental, social and governance area. Read about our approach and how we work.

Our customers, investors and analysts show interest in how we develop our sustainability work and how we perform. We aim to meet our stakeholders' expectations on transparency and we here disclose our enviromental, social and governance ratings based on the monitoring from major external assessors.

In our annual sustainability reporting we disclose our performance and progress year-by-year. We report according to international frameworks such as Global Reporting Initiative (GRI), Principles for Responsible Banking and Task Force on Climate-related Financial Disclosures (TCFD). We are a founding member of the Net-Zero Banking Alliance and will report accordingly.

How can a microfinance fund promote entrepreneurship and change the lives of people in developing countries? How can a green bond contribute to the development of zero-emission vehicles? Our case studies highlight some of the practical effects our sustainability work has had, out in the field.