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Capital markets

Highest rating, high responsiveness to changing demands of investors

NIB has continuously been assigned the highest possible credit rating, AAA/Aaa, by the leading international rating agencies Standard & Poor's and Moody's since it was first rated in the beginning of the 1980s. NIB's credit rating emanates from its high asset quality, strong balance sheet and its ownership.

Based on this solid platform, NIB finances its lending activities by borrowing funds and issuing bonds on capital markets around the globe. NIB aims at being a reliable partner responding flexibly to investors' needs.

NIB puts emphasis on Asset Liability Management. This is to ensure that the Bank has sufficient liquidity to serve lending and borrowing activities and is able to manage its market risk within the balance sheet.

The treasury portfolios contribute to earnings and function as a liquidity reserve.

Treasury objectives

Funding
- to raise competitive funds with costs in line with the peer group, while assessing the risks involved in the structure and complexity of the individual transactions and potential mismatches between assets and liabilities.
Asset Liability Management
- to manage liquidity and ensure sufficient liquidity;
- to handle market risk within the balance sheet.
Own capital management
- to optimise risk and earnings against benchmarks and absolute earnings.