NIB finances projects in various sectors, including, for example: investments in infrastructure, such as energy and transport; investments improving the environment; and large investments by the corporate sector such as in research and development, the improvement of manufacturing processes and the internationalisation of businesses.
NIB's four business areas are: energy and environment; infrastructure, transportation and telecom; heavy industry and mechanical engineering; consumer goods and services; financial institutions and SMEs.
The Bank has developed a set of guiding principles for lending in the energy sector:
Summary of business strategy for energy (238 KB)
NIB channels financing to projects of small and medium-sized enterprises through intermediaries.
The breakdown of NIB lending into sectors is shown in the graph below:

NIB finances investments in government property
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 and Säästöpankki Optia open loan facility for Finnish SMEs
NIB has opened a loan programme for small and medium-sized enterprises in eastern, northern and central Finland.
18 Jun 2013
NIB finances road tunnel record in northern Norway
NIB has signed a loan agreement with Helgeland Veiutvikling AS to finance a record long road tunnel in Helgeland, northern Norway.
14 Jun 2013
Senaatti-kiinteistöt (Finland) (19 Jun 2013)
Säästöpankki Optia (Finland) (18 Jun 2013)
Helgeland Veiutvikling AS (Norway) (14 Jun 2013)