Sustainability risk and impact 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 risk and impact 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.
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 in SEB AB (the bank), SEB Investment Management AB (SEB’s fund company), and in SEB Life & Pension (SEB’s life insurance company).
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 in funds managed by external parties.
- Principles for how we consider negative (adverse) sustainability impact 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).
- Remuneration policy – in the remuneration policy for the SEB Group sustainability risks have been included.
Read about how SEB integrates sustainability risk and impact in investment decisions and advice, and considers adverse sustainability impact:
For private customers
Sustainability information in Personal Banking, Private Banking and in Discretionary portfolio management (in Swedish)
Sustainability in Investment Management
Sustainability in SEB Life & Pension (in Swedish)
Sustainability in Traditional Insurance Gamla Liv (in Swedish)