With Reykjavík Energy Group's strengthened finances, loans for investments or refinancing, without owners' guarantees, have become more readily available to the Group. This reduces the risk from ownership to the municipalities that own Reykjavik Energy Group - the City of Reykjavík, and the municipalities of Akranes and Borgarbyggð.

From the end of 2010 to the end of 2020, the ratio of Reykjavik Energy Group's outstanding loan obligations, with owners' guarantee, has decreased from 93% to 46%, and the amount from ISK 209 billion to ISK 80 billion, which is a 61% drop.