Funding

Funding strategy

SpareBank 1 Nord-Norge issues senior debt, subordinated debt and hybrid capital. These are issued both as public-sector loans and private placements. The bank shall comply with the regulatory minimum requirements for prudent liquidity management at all times.
 

Lending programmes and prospectuses

A loan agreement governs the issuer’s obligations in connection with the issuance of a new loan in the market. This document regulates the conditions of the loan and the rights and responsibilities of the issuer and investor. The loan agreement may be obtained from the Trustee or the issuer.

SpareBank 1 Nord-Norge, SpareBank 1 Østlandet and SpareBank 1 SMN are part of an international loan program: Euro Medium Term Note (EMTN). This simplifies the banks’ raising of capital in international markets, as standardized agreements are used for this type of borrowing.

EMTN prospectus 2022 (pdf)
Agency Agreement 2022 (pdf) 
EMTN prospectus 2021 (pdf)
Agency Agreement 2021 (pdf)
Deed of Covenant (pdf)
EMTN prospectus 2020 (pdf)
EMTN prospectus 2019 (pdf)
EMTN prospectus 2018 (pdf)
Supplement February 2018 (pdf)
EMTN prospectus 2017 (pdf)
EMTN prospectus 2016 (pdf)
EMTN prospectus 2015 (pdf)

SpareBank 1 Boligkreditt

SpareBank 1 Boligkreditt is a a wholly owned subsidiary of the banks in the SpareBank 1 alliance, issuing both covered bonds and senior debt.