The Rules of Procedure for the Board of Directors, the Instruction for the President and Chief Executive Offi cer, the Instruction for the Activities, the Group’s Credit Instruction, Instruction for handling of Confl icts of Interest, Ethics Policy, Risk Policy, Instruction for procedures against Money Laundering and Financing of Terrorism, Remuneration Policy, Code of Business Conduct and the csr (Corporate Social Responsibility) Policy are of special importance.