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Responsible credit granting

Responsible credit granting means running checks when credit granting in order to combat money laundering and other financial crime. We set requirements for our exporters and borrowers to ensure that the financed transactions comply with international sustainability guidelines.

Money laundering and the financing of terrorism

SEK is obliged to take measures to prevent the company being used to launder money or finance terrorism. A basic requirement of any business transaction is that SEK obtains a level of KYC that meets the requirements in the applicable laws and regulations pertaining to money laundering and the financing of terror.

Anti-corruption and business ethics

SEK takes a stand against all kinds of corrupt behavior and complies with Swedish bribery legislation and international initiatives that are in place to fight corruption and other financial crime. We also follow anti-corruption legislation in the countries that we conduct lending in.

SEK does not tolerate corruption in any form in the transactions that the company finances. If credible evidence presents itself that corruption, bribery or any other abuse of one’s position has occurred in connection with a transaction, SEK will not take part in that transaction. Suppliers and clients are expected to comply with SEK’s expectations in this area.

Environment and climate

Large infrastructure projects can entail risks for the environment, people and the climate. It is important that the project follows international guidelines in respect of the environment and the climate. With export credits and project financing, SEK is financing Swedish deliveries for many large international projects. We are members of the Equator Principles, which includes guidelines for financiers on setting requirements for their international project owners.

Labor conditions and human rights

Large projects and businesses in countries with a high risk of human rights violations can come with risks for people who work in, or are effected by, operations. As a financier, SEK identifies risks associated with lending and places requirements on companies to follow international guidelines.

International sustainable business guidelines

SEK follows UN guidelines for companies and human rights, the OECD Guidelines for Multinational Enterprises, OECD’s Principles and Guidelines to Promote Sustainable Lending in the Provision of Official Export Credits to Low Income Countries, OECD’s Common Approaches for Officially Supported Export Credits and Environmental and Social Due Diligence and the Equator Principles on projects.

Read more on how we govern our work on sustainability and report outcomes.


  1. Anti-corruption policy

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  2. Sustainability Finance Policy

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  3. Summary - An export finance system that contributes to the climate transition

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