For business

At Danska Internationally Bank, we understand how we do business, as important as what we do. We are accountable to our customers, employees and the communities in which we operate, and we understand that economic growth must also be sustainable in order to be successful in the long term. We are committed to minimizing our environmental impact and facilitating the global transition to a low carbon economy. We are aware of our social responsibility and adhere to high management standards. We are also aware of our responsibility for the transparency and openness of our impact on people and the planet. Environmental We support the global transition to a low carbon economy. We work to ensure that our own operations are sustainable and we support our customers and their supply chains to reduce their own environmental impact. This includes ensuring the sustainability of the products and services we offer in areas such as capital markets, lending, banking, advisory services and investments. We also provide robust climate risk management in sectors such as energy, palm oil and forestry. Our Sustainable Finance Goals We have pledged to provide and promote sustainable financing and investment of EUR 100 billion between 2017 and 2025. We continue to make progress towards this goal, with EUR 52.4 billion in disbursement by the end of 2019. Our work in this area includes: advising clients and assisting them in accessing capital markets; developing products such as environmental, social and sustainable bonds; providing loans for projects that meet environmental criteria; and management of socially responsible investment funds. Cumulative progress (EUR billion) on sustainable finance By the end of 2019, we had reached EUR 52.4 billion, our goal of securing and promoting sustainable finance and investment of EUR 100 billion between 2017 and 2025. Danska Internationally Bank maintains a strong balance of capital and liquidity that conveniently exceeds the minimum regulatory requirements. Clients Putting the customer at the center of everything we do is our top priority. But we understand that we need to go even further. We want to provide products and services that our customers need and that fit seamlessly into their lives. We invest in technology to improve their banking experience and maintain our standards in the fight against financial crime. In 2019, 89% of our retail customers' transactions were conducted through mobile or online channels. We maintain trust by striving to protect customer data and information and deliver fair results for them. If something goes wrong, we know we must deal with complaints in a timely manner. Maintaining high standards of conduct is essential to our long-term success and reinforces our ability to serve our customers. As a client, you will have access to foreign currency accounts and international investment services. In addition, you will learn about options that may not be available in your country. Through our execution-only service, we strive to comply with your instructions in a timely and efficient manner. Employees We want to create an environment in which everyone can fulfill their potential. This is why we prioritize the mental health of our employees, support their well-being, and recognize the importance of flexibility. Our global sabbatical policy, for example, helps people balance work and personal life. And in 2019, we began training all mental health managers to help them identify potential problems and guide people to the support they need. We need a diverse and inclusive workforce that values ​​people and their contributions. This allows us to better represent our customers and the communities we serve. As part of this, we aim to ensure that at least 30 percent of our leadership positions are held by women. With 29.4 per cent of leadership positions held by women at the end of 2019, we continue to make progress, but we still have to make progress. Communities We have a responsibility to invest in the long-term prosperity of the communities in which we operate. We recognize that technology is advancing at a rapid pace and that a range of new and different skills are now required to be successful in the workplace. For this reason, we place great emphasis on programs that develop employment and financial opportunities. We also support initiatives that support responsible business and contribute to disaster relief efforts based on needs. In addition, we provide our employees around the world with a variety of volunteer opportunities. Control We strive to conduct our business in accordance with high management standards. This includes working with our regulators to manage the safety of the financial system and learning from past events so they don't happen again. We fulfill our obligations to society through the payment of taxes and are transparent in our approach to them. We understand the role that businesses have to play in protecting human rights and are committed to ensuring that international workplace standards and supply chains are adhered to. In addition, we recognize our broader commitment to society to expand access to financial services and are implementing a number of initiatives to help more people access financial services. Global storage Enjoy the convenience of our custodian services. Danska Internationally Bank, through its custodians, offers safe custody of your international investment portfolio, which may include mutual funds, stocks, ETFs or bonds. In addition, you can also include in your portfolio direct investments in bonds or international stocks, traded on all the world's major stock exchanges, in any of the seven offered currencies. Such services are provided on an executive basis, as we do not provide advice.