KfS is a licenced credit institution providing medium- and long-term senior loans to Norwegian savings banks. Established in 2004 by Eiendomskreditt AS and 49 savings banks, it serves as a vehicle for small savings banks with limited access to the bond market. Through a green bond initiative, KfS also allows banks to offer green loans and attract new investors. The company is organised as a credit association and is operated according to cooperative principles.
SpareBank 1 Østfold Akershus is a medium-sized Norwegian regional savings bank with origins dating back to 1835. The bank has operations in Østfold county and the southern part of Akershus county in south-eastern Norway, along the E6 highway and within commuting distance to Oslo.