Environmental and sustainability perspectives in credit granting to companies

Finansinspektionen (FI) has been commissioned by the Government to report on the bank's internal rules regarding credit granting to companies from the perspective of the environment and sustainability. If necessary, FI shall present proposals for measures that can be included in the banks' credit granting process to promote such a perspective.

FI has therefore surveyed the bank's internal rules regarding credit granting to companies from the perspective of the environment and sustainability. The survey covers nine banks that together account for the majority of total corporate lending in Sweden. FI has also reviewed the legal conditions applicable in this context.

FI's survey shows that the banks' internal rules take environmental risk into account, as part of the credit risk, in their credit assessments when lending to companies. It is thus a question of an assessment from a financial aspect, where a higher environmental risk can lead to a poor deal for the bank.

The banks' internal rules also show that environmental risk should be taken into account with respect to their own ethical guidelines, prestige and reputational risk.

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