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S-Bank Plc.

PRI reporting framework 2020

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Asset class implementation not reported in other modules

SG 16. ESG issues for internally managed assets not reported in framework

Describe how you address ESG issues for internally managed assets for which a specific PRI asset class module has yet to be developed or for which you are not required to report because your assets are below the minimum threshold.

Asset Class

Describe what processes are in place and the outputs or outcomes achieved

Forestry

Sustainability is an integral part of forest management at FIM. Certification plays an important role in sustainability practices and all of the forestst owned are FSC and PEFC certified. In addition to this, we prefer avoiding clearcutting when that's possible.

Money market instruments

When using money market instruments we use the same exclusion list as in all other investments. For the short nature of these instruments, no additional ESG analysis is necessarily done.

16.2. Additional information [Optional].


SG 17. ESG issues for externally managed assets not reported in framework

17.1. Describe how you address ESG issues for externally managed assets for which a specific PRI asset class module has yet to be developed or for which you are not required to report because your assets are below the minimum threshold.

Asset Class

Describe what processes are in place and the outputs or outcomes achieved

Listed equities - ESG incorporation

As a prerequisite, we require extenal managers to be UNPRI signatories. People who choose and make investments into funds managed by external managers, will do the check from public sources or directly from the external managers and proceed accordingly.

Listed equities - engagement

We don't currently engage with external managers on their egagement efforts.

Listed equities - (proxy) voting

We do not require external managers to vote, although we know most of them do vote according to their policies. 

Fixed income - SSA

As a prerequisite, we require extenal managers to be UNPRI signatories. People who choose and make investments into funds managed by external managers, will do the check from public sources or directly from the external managers and proceed accordingly.

Fixed income - Corporate (non-financial)

As a prerequisite, we require extenal managers to be UNPRI signatories. People who choose and make investments into funds managed by external managers, will do the check from public sources or directly from the external managers and proceed accordingly.

Other (1) [as defined in Organisational Overview module]


In alternative investments, like private debt, we prefer funds that already have integrated ESG criteria as a part of their investment process. By integrating ESG factors we help to enhance risk-adjusted returns and aim to avoid risks. When selecting alternative funds, we consider particularly four ESG areas:
1. Climate change and environmental issues
2. Violation of human rights, child labor and labor standards
3.The quality of the operational management and the board of directors and their incentives, as well as accounting practices, corruption, minority shareholder's rights and political connections
4.When possible, the same exclusion strategy as used for our equity and fixed income funds. Particularly in infrastructure investments we analyze thoroughly political aspects, regulatory impacts and unpopular industries. In private equity funds we aim to understand the corporate governance. We emphasize transparency of investments, clear benchmarks and clear reporting. We monitor how the ESG criterion are met through the life-cycle of the funds.

17.2. Additional information.


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