The Nordic Investment Bank (NIB) is an international financial institution owned by the eight Nordic and Baltic countries. NIB provides long-term loans and guarantees on competitive market terms to clients in the public and private sector. The Bank finances sustainable projects that strengthen competitiveness and the environment. NIB focuses in particular on ftheirsectors: energy and environment, financial institutions and SMEs, industries and services, infrastructure, transportation and technology. NIB has lending operations both in and outside its member countries.