We offer sustainable long-term financing that improves productivity and benefits the environment
- NIB lends to both the public and private sectors on competitive market terms.
- Our financing complements other available funding sources and crowds-in additional investments.
- We carefully assess the impact of our loans, providing a quality stamp for your projects.
Our offering
NIB tailors its financing to match your business needs. We work closely with our clients to tackle complex issues and provide guidance on sustainability matters. Our sectoral expertise, combined with triple-A credit ratings, allows NIB to keep the lending process simple and the terms competitive.

WHAT WE FINANCE
We work towards a prosperous and sustainable Nordic–Baltic region, so the majority of our financing is located within the membership area. Outside the Nordic–Baltic region, we may also finance projects that involve member country interests.
Sectors we work with

Connectivity & Consumer
Transport & communication infrastructure or services, R&D and capital investments or acquisitions.
Anna Kajander
anna.kajander@nib.int
+358 10 618 0324

Industry &
Real Estate
Clean technologies, capacity improvements, efficient use of raw materials, as well as green buildings.
Tony Mäkynen
tony.makynen@nib.int
+358 10 618 0523

Project & Structured Finance
Loans that involve complex risks or financial structures, including the public–private partnership model.
Patrik Marckert
patrik.marckert@nib.int
+358 10 618 0266

Public Sector &
Utilities
Urban & social infrastructure, as well as investments in energy efficiency and utility services.
Dmitri Kouznetsov
dmitri.kouznetsov@nib.int
+358 10 618 0128

Financial
Institutions
On-lending through financial intermediaries to reach SMEs and small midcaps, as well as MREL lending.
Akvilė Skiparė
akvile.skipare@nib.int
+358 10 618 0485
Client voices
How it works
Financed projects
See the list of loans signed since 2007. Read their project summaries to learn more about the financed investments and their impact on productivity and the environment.

Latest loans
Explore more
Environmental bonds
The proceeds of NIB Environmental Bonds are used for the Bank’s environmental lending
Integrity & Compliance
Good governance, transparency and accountability are essential for sustainable finance
Frequently asked questions
What kind of financing NIB offers?
NIB offers long-term financing that improves productivity and benefits the environment. Financing is provided on competitive market terms and complements other available funding sources. NIB works towards a prosperous and sustainable Nordic–Baltic region, so most of NIB’s financing is located within the region.
Who can get a loan from NIB?
NIB provides long-term loans to public and private sectors in and outside the Bank’s member countries. Financing can be provided directly to companies and public entities or indirectly through financial institutions (on-lending to SMEs and small mid-caps).
What kinds of projects does NIB finance?
NIB finances projects that improve productivity and benefit the environment of the Nordic and Baltic countries. This includes, for example, investments in infrastructure such as energy and transport, R&D, business expansion, and investments by small and medium-sized enterprises.
What types of financing products does NIB provide?
NIB’s lending products include corporate and sovereign loans, loans to municipalities, loan programmes to financial institutions, sustainability-linked lending as well as investments in labelled and MREL-eligible bonds (minimum requirement for own funds and eligible liabilities).
Do you finance SMEs and small midcaps?
NIB directs financing to SMEs and small midcap companies through financial intermediaries, such as commercial banks, leasing companies and other financial organisations. In addition, NIB invest in MREL (minimum requirement for own funds and eligible liabilities) eligible bonds offered by Nordic-Baltic financial institutions to further support them in SME lending.
How are loan decisions made at NIB?
A decision to grant a loan is made by the Bank’s Board of Directors, after preliminary approval by the Mandate, Credit and Compliance Committee. NIB’s President is authorised by the Board to make certain lending decisions.
































