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Corporate Social Responsibility in DLR

A natural part of our business

At DLR, we consider corporate social responsibility a natural part of our business. To us, corporate social responsibility means taking responsibility for the way in which we affect the world around us – in all aspects of developing and running our business.

We assume co-responsibility for the green transition
As a mortgage credit institution, we are aware of our role in the green transition, and we consider it part of our social responsibility, in collaboration with our loan-distributing banks, to promote the transition of the agricultural sector, trade and industry and society at large.

Green procurement policy
We are aware of the impact our organisation has on the climate and the environment, and we strive to gradually reduce our own environmental footprint. We do this by continually making small and large adjustments to business procedures, the selection of business partners, procurement, etc. We pursue a green procurement policy under which environmental considerations are assigned the same importance as other considerations.

Combating money laundering and terrorist financing
Money laundering, terrorist financing and other kinds of white-collar crime are extremely harmful to Danish society and the international community. In our view, preventing DLR from being misused for financial crime is therefore a crucial element of our responsibility.

We work continuously to strengthen the combating of white-collar crime so that our efforts reflect the risk associated with DLR’s business activities.

CSR policy
The way DLR operates a responsible business is described in our CSR policy. The policy also sets the course for specific, daily efforts which we report on in our annual CSR report among other places. These years, the CSR theme and especially the sustainable agenda are expanding quickly and the same applies to the data and metrics used for reporting. Thus, DLR’s CSR policy will be adjusted regularly over the coming years.

Read our Sustainability Policy.

Sustainability Report 2023

Read our latest sustainability report and learn how DLR Kredit is engaged in CSR and societal responsibility.

DLR has become a signatory to the UN Principles for Responsible Banking

In 2022, DLR has become a signatory to the UN Principles for Responsible Banking, joining an international community that sets the direction for the financial sector’s sustainable development initiatives. The purpose of the six Principles is to provide a common framework to ensure that the banking sector contributes to the sustainable development and makes a positive contribution to society.

The six principles of sustainable banking are consistent with DLR’s sustainable initiatives and define the framework for future efforts in the area. By becoming a signatory, we undertake to work even more systematically with corporate responsibility and sustainability, while incorporating the six Principles into the way we run our business at DLR.

As part of the commitment, DLR will report annually on the work and on progress in implementing the principles.
In February 2023, DLR published its first report.
Read DLR’s progress report in our Sustainability Fact Book

Committed to sustainable development

DLR supports Denmark’s 2030 climate goals, the reduction targets of the Paris Agreement and the UN Sustainable Development Goals, which together lay out the steps towards sustainable development.

To that end, we participate in committees, working groups and fora working with sustainable funding and ESG factors in the financial sector.


As a systemically important financial institution (SIFI), DLR has a special responsibility to society. As such, we strive in all respects to run a responsible business in accordance with statutory requirements, our values and our business objectives. In doing so, we invariably pay regard to our stakeholders, which include borrowers, shareholders, bond investors, loan distributors, authorities, employees and society at large.

ESG ratings

Swipe to the side on the table for more information.
Rating agencyScore
MSCIAAIn September 2021, DLR’s rating was upgraded from BBB to AA

DLR’s contribution to the UN’s Sustainable Development Goals

DLR’s loans to farmers contribute to the production of healthy food with a low carbon footprint by global standards. Part of Denmark’s food production is exported to developing countries, and some Danish milk is used in the production of breastmilk substitutes which ensure healthy infant nutrition and help reduce hunger and malnutrition in developing countries

DLR offers green financing for renewable energy sources. This helps ensure access to sustainable energy and increase the percentage of energy consumption that is based on renewables. DLR also issues loans for properties with high levels of energy efficiency (grade A or B energy performance certificate).

DLR offers green loans for energy improvements and energy-efficient buildings, Almost 20% of the energy-labelled urban commercial properties financed by DLR have a grade A or B energy performance certificate.

DLR offers green loans for energy improvements, renewable energy sources and selected climate investments in pig housing. In this way, we are indirectly financing greenhouse gas reductions that will help achieve Denmark’s goals for the green transition.

DLR offers green financing for more sustainable farming and organic agriculture, thus helping support sustainable use of ecosystems. DLR also offers green loans for certified forestry, thus contributing to sustainable forest management and preventing loss of biodiversity.

A helping hand to younger farmers

Both the financing opportunities and changing economic trends may be crucial to the ability of young farmers to set up or generally to transfer ownership of a farm.

DLR wants to give young farmers a helping hand by strengthening the opportunities for implementation of generational and ownership changes in the field of agriculture. We thus have a special establishement scheme, where we offer financing for establishment on more cost-effective terms.

Social and professional responsibility

DLR supports organizations that are committed to helping people in need and creating sustainable improvements in children’s and young people’s lives.

DLR supports the sustainable development of Danish agriculture and the future of life in the countryside.