Strategy 2029

With Strategy 2029, we will strive to strength en KommuneKredit’s position as the best funding partner for municipalities and regions in Denmark and Greenland – through knowledge, efficiency and the courage to develop. Being a customer of KommuneKredit must be simple.

Transformation will create the KommuneKredit of the future

Every single day we help facilitate the investments necessary for welfare and the development of society in Denmark.

Our new strategy will improve our foundation for being able to accomplish this
task even better. That will require that we take responsibility and have the
courage to create progress.

With the new strategy, we take the next important steps in our development. We must shift our focus even more towards our customers and members and their needs, while

at the same time fuelling the development we have already started: creating a well-managed, accessible and sustainable credit institution with public ownership. In other words, we are exploring new paths, and our vision is to excel at funding the investments to be made by municipalities and regions in the future.

Explore our new strategy

Strategy 2029 is structured around three strategic objectives, each with three underlying focus areas – which you can read more about below.

1: Good funding decisions

We contribute to good funding decisions by being a credible financial knowledge partner.

Customers

We have knowledge of how to fund public tasks, about lending rules, about state subsidy rules and about the financial situation in general. We want to share that knowledge with our customers in a relevant, uniform and structured way to ensure that they choose the right funding that fits their needs.

Members

Being a knowledge partner, we focus on supporting the financial interests of our members in respect of loans and leases – also as regards their ownership of and provision of guarantees to municipal companies. Ultimately, we are here for the sake of our members.

Social value

We make our knowledge available to relevant stakeholders to provide them with the best possible decision basis. We seek out collaboration and communicate with decisions-makers, authorities and interest groups.

2: Efficient and responsible

Our operations are efficient, based on digital systems and decent – with structured use of artificial intelligence in a controlled environment.

Operations

We have well-functioning operations and interact with our customers. We want to continue to develop our external and internal portals, and we eant to strengthen our back office, accounting and IT functions. We give priority to data quality, integration and AI to ensure efficiency and smooth processes.

Decency

Decency is part of our identity. Internally, we make efforts to ensure a high degree of employee satisfaction and a good working environment. Externally, we respond as a responsible and transparent business. It builds on our 125+ years of experience where CSR has been a natural part of our DNA.

Compliance

We work systematically with risk management, state subsidies and other regulatory requirements. We set high standards and regularly develop our processes to ensure that they are solid and relevant in the future.

3: Progress

We take responsibility and show courage to create progress.

Management

We take the lead and encourage a culture in which learning takes precedence over a zero-defects culture. It is better to complete and celebrate than to focus on flaws. We set the direction, communicate clearly and create credibility.

Skills

We are an attractive workplace for skilled and committed employees. We invest in skills and employee satisfaction to enable our employees to unfold their potential and contribute to the development of the organisation.

Work method

We collaborate across the business and create results. We deliver high quality without making things complicated.

In 2029 ...

... we will be the preferred choice as a credible financial knowledge partner. Our expertise will be translated into better decisions and measurable social value, our role will be well-known and recognised, and our funding will form a natural part of decisions regarding investments in society.

... all operating standard processes in the value chain will have been made efficient from front to back. We will have solid customer friendly portals with high data quality, and our risk management and compliance standards will be outstanding. We will generally be recognised for our accessibility, knowledge and decency.

... our management and collaboration culture will be characterised by progress, learning and closing abilities. We will embrace new technological opportunities, deliver on time, celebrate completion and will not be considered to foster a zero-defects culture. Thanks to collaborating teams and targeted skills development, our employees will thrive and underpin the organisation’s ability to renew.