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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 CSR policy

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.

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.

At DLR, we increasingly focus on our CSR efforts and ambitions, and we remain dedicated to contributing to the sustainable development. As such, becoming a signatory to the UN PRB is a natural next step for us to make the difference we want to make.
Read more about the UN Principles for Responsible Banking


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.

CSR-report 2021

Read our latest CSR-report and learn how DLR Kredit is engaged in CSR and societal responsibility. The report gives a survey over our approach to CSR and our different activities and goals.

ESG key figures

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Environmental dataUnit20212020201920182017
Electricity consumption
Electricity consumption per employee*kWh2,3702,7133,0163,1693,431
District heating consumption
District heating consumption per employeekWh2,4112,4672,2263,6464,099
CO2e emissions calculated as scope 1 and 2tonnes287293289320323
CO2e emissions per employeetonnes1.251.391.501.711.87
Water consumption**
Water consumption
per employee*

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Social dataUnit20212020201920182017
Permanent employees, year-endnumber223213196
– of whom part-time employeesnumber141517
Hourly-paid employeesnumber171320
Employees, year-endnumber240226216
Agricultural valuation expertsnumber232626
New employeesnumber463346
New employees of total number of employees%191521
Average ageyears484849
Average seniorityyears8.28.39.5
Proportion of women%354040
Proportion of men%656060

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Governance dataUnit20212020201920182017
Board of Director members, year-endnumber91111
Proportion of women on the Board of Directors%11918
Executive Board members, year-endnumber222
Proportion of women on the Executive Board%505050
Managers with professional and/or HR responsibilities, year-endnumber302927
Proportion of women among managers with professional and/or HR responsibilities%272119
Project managers, year-endnumber985
Proportion of women among project managers%566360
*Employees are the average number of employees (FTE) over the year, see the financial statements for the year in question.
** Water consumption is measured as of mid-August. Water consumption for 2021 is thus consumption from mid-august 2020 to mid-august 2021.

ESG ratings

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Rating agencyScore
MSCIAAIn September 2021, DLR’s rating was upgraded from BBB to AA
S&PE-2, S-2, G-2E=environment, S=social issues og G=governance
1=positive, 2=neutral, 3= moderately negative, 4=negative og 5=very

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

DLR’s lending to agriculture contributes to the production of healthy food with a low climate impact seen in a global perspective. A significant part of the Danish food production is exported – including to developing countries. For example, part of the milk produced in Denmark is used for the production of infant formula milk, which ensures healthy nutrition for infants and can thus reduce hunger and malnutrition in developing countries.

DLR offers green loans for financing of renewable energy sources. DLR contributes to ensuring access to sustainable and modern energy and to increasing the share of the total energy consumption generated by renewable energy. Moreover, DLR grants loans for properties with high energy efficiency ratings (properties with energy labels A or B).

DLR offers green loans for energy improvements and energy-efficient buildings, and almost 20% of the energy-labelled urban commercial properties financed by DLR have energy labels of A or B.

DLR offers green loans for energy improvements, renewable energy sources and selected climate investments in pig barns. Thus, DLR indirectly finances the reduction of greenhouse gas emissions, contributing to Denmark reaching the goal of a 70% reduction relative to the 1990 level.

As DLR offers green funding to organic farms, DLR contributes to supporting sustainable use of ecosystems.

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.