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Sustainability risks and impacts in investment decisions and advice

SEB's ambition is to have well-informed customers regarding how SEB as a financial institution works to integrate sustainability risks and impacts in investment decisions and advice, in line with the European Union's Sustainable Finance Disclosure Regulation.

As a major institutional investor in the Nordic region for private, corporate and institutional customers, SEB has an ambition and a responsibility to create sustainable value for our customers while considering our investment business's potential negative impact on the environment and society.

SEB Group provides investment products and services targeted towards private customers and corporate companies and institutions. SEB also provides traditional insurance and unit-linked insurance that promotes environmental and social characteristics.

In support of our customers and other stakeholders we aim to give a comprehensive view of our way of working, in line with the EU's Sustainable Finance Disclosure Regulation which entered into force on 10 March 2021.

Sustainability risks in relation to investment decisions

As an overarching document, SEB has adopted the Policy on the Integration of Sustainability Risk and Impact in Investment Decisions and Investment Advice for SEB Group (pdf). The policy describes the framework on how sustainability risks and adverse sustainability impacts are addressed in relation to investment decisions and investment and insurance advice provided by SEB AB (the bank) and its subsidiaries.

Highlighted areas are:

  • Principles for how we integrate sustainability risks in investment decision‐making and investment and insurance advice. The principles cover discretionary mandates, funds managed within the SEB Group, and funds managed by external parties.
  • Principles for how we consider principal adverse sustainability impacts in investment decisions, investment and insurance advice:
    • For discretionary mandates and SEB funds, SEB Group has a sustainability policy framework to identify adverse impact and guide credit and investment-decision making. The policies are revised on a continuous basis, integrated in the different divisions, and subsidiaries, and adjusted for their specific areas of activity.
    • For external funds that SEB offers, we have several requirements on the external management company, such as being a signatory of the PRI (Principles of Responsible Investments).
  • In the remuneration policy for the SEB Group sustainability risks have been included. The Remuneration policy is described on p. 76–78 in Annual and Sustainability Report 2023

Read more about how SEB AB (the bank) consider principal adverse impacts of our investment decisions and advice: