Banking and finance law

SANDS specialises in all key areas of banking and finance law. Our customers in the banking and finance sector include national and foreign banks, financial institutions, investment firms and business enterprises that need financing.

Our lawyers can assist you in all financing processes from preliminary work to implementation and they have a significant amount of experience in national and international projects. We also cooperate with other practices in our firm in order to provide effective and practical advice during structuring, negotiating and establishing and implementing financing solutions.

We have a large international network of professional contacts. We are an associate member of the Loan Market Association (LMA).

Our areas of expertise include these, among others:

  • Regulatory issues
  • Preparing loan agreements; syndicated and bilateral
  • Preparing and setting up sureties (securities/collateral/guarantees)
  • Acquisition financing; private companies and companies listed in the stock exchange
  • Financing for real property, ships etc. (asset financing)
  • Project financing
  • Bond loans
  • Derivatives
  • Leasing

In cooperation with our Restructuring and Insolvency Practice we have also established a team of experts who can assist in business restructuring and refinancing and deal with bad and doubtful debt. 

The lawyers in this team have solid expertise in banking, financing, insurance, company law, contract law, mortgage law, guarantee law and bankruptcy and insolvency.


New proposal to liberalise the strict Norwegian financial assistance regulations

The Norwegian Limited Companies Act (the “Act”) severely limits the possibility a target company has to provide financial assistance in connection wit…

Proposed changes to the taxation of unit linked capital insurance - but the product’s fundamental attractiveness remains intact

On 27 October 2016 the Norwegian Ministry of Finance issued a hearing note in which it proposes changes to the tax rules for “fund accounts”. “Fund ac…

The Norwegian regulator suggests implementation of PRIIPs in Norwegian law

The Financial Supervisory Authority of Norway (FSAN) suggested by letter to the Ministry of Finance (MoF) on 31 October 2016 the implementation of the…

Contact us


Ylva  Cornelia Axelsen
Ylva Cornelia Axelsen
T: +47 22 81 45 56
M: +47 915 14 644
Stein Hegdal
Stein Hegdal
T: +47 22 81 45 95
M: +47 900 96 980
Hillevi  Torngren Myhre
Hillevi Torngren Myhre
T: +47 22 81 46 68
M: +47 484 08 932
Jørn Snorre  Øvstedal
Jørn Snorre Øvstedal
T: +47 70 10 75 75
M: +47 920 94 739



Harald Ellefsen
Harald Ellefsen
T: +47 73 99 27 02
M: +47 480 16 502


Stephanie  Brungot
Stephanie Brungot
T: +47 70 10 75 60
M: +47 478 38 250
Cecilie  Hjorth
Cecilie Hjorth
Senior Associate (Leave of absence)
T: +47 70 10 75 50
M: +47 922 52 609


Sonja  Lorentzen
Sonja Lorentzen
T: +47 22 81 45 89
M: +47 458 85 527