Kommunalbanken (KBN) is a Norwegian state-owned funding agency providing low-cost loans to local governments, counties, and inter-municipal companies. It finances welfare services and infrastructure projects, promoting public service efficiency. KBN's unique selling proposition is its ability to offer favorable financing terms due to its AAA/Aaa credit rating and public policy mandate. The target audience includes all Norwegian municipalities and counties, with 100% of municipalities being customers. Services include refinancing and regular lending, supporting climate-friendly projects and local welfare initiatives[2][3][4][5].