As DDM Debt AB (publ) has senior secured bonds listed on Nasdaq Stockholm, DDM has the ambition to keep you updated about DDM's performance and other factors contributing to your assessment of DDM as an investment. Therefore, please do not hesitate to contact  if you are missing anything in the company’s communication.


Communication policy

DDM strives to provide balanced assessments of the Group's performance and future earnings potential, with a full and open disclosure of likely material risks. As a rule, DDM does not make detailed forecasts regarding earnings and revenue targets. Neither do reports speculate about future developments or hypothetical events.

DDM’s quiet period starts at least 20 days prior to publication of the year-end or interim report, and ends on the day of the report. During this period, DDM will not comment its financials. Exceptions from this rule can be made in order to correct obvious errors or inaccuracies. Investor Relations will respond to questions related to press releases issued during this period. Other general questions can be directed to Investor Relations via email, .


Code of Conduct

Code of Conduct

DDM is committed to carrying out its business in a sustainable way. In order to ensure responsible corporate governance in the areas of basic human rights, labour standards, environmental management and anti-corruption in the workplace, DDM has adopted this Code of Conduct (the “Code”). Each employee is expected to act responsibly and with integrity and honesty, and to comply with this Code and its underlying policies and instructions.

DDM offers a platform for economic growth by allowing banks and other financial institutions the opportunity to manage their credit exposure. DDM accepts its responsibility in society by helping businesses and consumers to restructure and optimize their lending and borrowing. The Company strives to maintain the highest legal and ethical standards in all its business practices.

DDM’s values act as a guide on how business with the Company’s clients and customers is managed. The ethical rules deal primarily with a respectful attitude towards clients and customers.


Compliance with laws

All business and other activities of DDM shall be carried out in compliance with applicable laws, and under the principles of good corporate citizenship in each country where such activities take place.

Each employee is expected to comply with the requirements of those laws and regulations that apply to DDM's operations and to his/her job, and with the DDM principles of good corporate citizenship.


Respect for human and labour rights

DDM supports and respects the protection of human rights as defined in the United Nations’ Universal Declaration on Human Rights. No employee is allowed to take any action that violates these human rights principles, either directly or indirectly.

DDM supports core labour rights as defined by the International Labour Organisation. In this respect, DDM upholds the freedom of association and the effective recognition of the right to collective bargaining. In the case that these rights are restricted by local law, DDM endeavours to offer its employees alternative means to present their views. DDM does not accept any form of forced or compulsory labour, or the use of child labour.

DDM employees have the right to equal and fair terms of employment in line with market levels. DDM promotes freedom from discrimination based on race, ethnic or national origin, colour, gender, family status, sexual orientation, creed, disability, age or political beliefs, or other characteristics protected by law. DDM fosters equal opportunity and employees are selected and treated on the basis of their abilities and merits.



No DDM company or any of its employees may, directly or indirectly, promise, offer, pay, solicit, or accept bribes or kickbacks of any kind, including money, benefits, services or anything of value. Such payments and favours may be considered bribery, which violates local legislation and internationally recognised principles for combating corruption and bribery.


Environmental sustainability

DDM is committed to taking account of environmental impacts when conducting its business. The Company combines its economic goals with environmental and social requirements, and addresses sustainability issues when managing risks and participate in discussions about sustainable business practices. DDM is continuously striving to implement new measures to improve its environmental performance.


Application of DDM’s standards

DDM takes an active approach to the application of this Code and promotes its implementation through the effective communication of its contents to its employees. DDM monitors the application of this Code internally.

Suppliers and business partners are an important and integral part of the total value chain of the services of DDM. They are expected and encouraged to conduct their businesses in compliance with the same high legal and ethical standards and business practices as DDM. DDM co-operates and conducts business with the suppliers and business partners in accordance with the applicable laws, provisions of the Outsourcing Policy and other applicable policies and guidelines.


About this document

This document is an excerpt of the complete Code of Conduct. In the case of questions regarding the interpretation of, or compliance with this Code, the DDM Compliance Officer should be contacted at .