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.
- 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.
NIB and Finland’s state property management agency Senaatti-kiinteistöt have signed loan agreement to finance investments in governmental offices and a research centre.
19 Jun 2013
NIB has opened a loan programme for small and medium-sized enterprises in eastern, northern and central Finland.
18 Jun 2013
The financial information on the period of January-April 2013 is now available.
17 Jun 2013
Halfway through 2013, the Bank has accomplished 66% of the funding requirements for the year, having issued a milestone USD 2 billion benchmark
12 Jun 2013
Environmental bonds have become a well-established asset for a growing number of investors in recent years. Pursuant to its mandate, NIB offers investments targeted at environmental improvements.
26 Apr 2013
NIB has revised its method for collective impairments. They are in the 2012 income statement in addition to the allowances for specific impairments. Head of Funding and Investor Relations, Mr Jens Hellerup gives his thoughts on the subject.
12 Mar 2013