Nykredit

The Nykredit Group is the second largest lender and the largest mortgage provider in Denmark as well as one of the largest private bond issuers in Europe. Nykredit has activities ranging from mortgage lending, banking and insurance to pension, investment and estate agency business. The Nykredit Group has contact with more than 1 million retail customers and 80,000 commercial customers. The Group's lending totals DKK 1,000bn.

Financial sustainability
Nykredit focuses on sustainability in the financial area through our business concept Financial sustainability.

Long-term environment and climate response
Financial sustainability promises balance and long-term relations. The impact on the environment and climate poses a serious challenge to society. Being one of Denmark's largest financial businesses, we share the responsibility for the longterm environment and climate initiatives.

Nykredit is working to improve the environment and climate:

• Through dialogue to motivate staff, suppliers and customers to care about the environment and climate
• By containing Nykredit's own impact on the environment and climate on a current basis
• By including the environment and climate aspect in the development of products, con-cepts and advisory services, whenever relevant.