Swedbank Försäkring works to influence and support the companies we invest in to become more sustainable. This is done through a chosen asset manager, Swedbank Robur, to whom we set specific requirements regarding their sustainability work. In this way, we live up to the purpose of the pension assets: to invest them in the way that is in the best long-term interest of the policyholder. Swedbank Försäkring works with four overall methods for managing the principal adverse impacts on sustainability factors: include, exclude, enable and engage. 100 % of the fund capital is invested in funds that promote environmental or social characteristics (Article 8 SFDR) or have sustainable investment as their objective (Article 9 SFDR). Swedbank Försäkring has chosen not to present our traditional pension insurance as a financial product under Article 8 or Article 9 SFDR, as the insurance is not open to new business.

• Swedbank Robur Access Edge Emerging Markets
• Swedbank Robur Climate Bond
• Swedbank Robur Climate Impact
• Swedbank Robur Interest Fund Short
• Swedbank Robur Bond
• Swedbank Robur Global Systematic
• Swedbank Robur Sweden
• Swedbank Robur Bond Long Inst

In our unit-linked insurance policies, it is our ambition that all eligible funds should promote environmental or social characteristics (Article 8 SFDR) or have sustainable investment as their objective (Article 9 SFDR). We regularly review and check that all funds offered under our insurance policies comply with our requirements.

All of the default investment solutions we offer, which apply when a customer does not make their own fund selection, consist of funds that promote environmental or social characteristics (Article 8 SFDR) or have sustainable investment as their objective (Article 9 SFDR).

When the fund was launched in September 2023, Swedbank Försäkring acted as an anchor investor.

Climate Bond is an actively managed bond fund that invests mainly in sustainable bonds with a focus on climate, such as sustainable energy, environmental conservation and climate change mitigation. The focus is on bonds issued with the aim of achieving a sustainable society in line with the UN’s Sustainable Development Goals with a focus on climate. The fund continuously analyses how the investments affect emissions, water and biodiversity, among other things. The fund also ensures that the holdings do not seriously and systematically violate international norms or conventions. The Fund has sustainable investment as its objective and is an Article 9 fund under the SFDR.

When the fund was launched in September 2021, Swedbank Försäkring acted as an anchor investor.

Climate Impact is an actively managed equity fund with a quantitative management approach that invests globally in companies that, through their products, services and activities, according to the fund management company’s assessment, contribute to meeting the UN’s global development goals regarding sustainable energy (7) and addressing climate change (13). The goals aim to ensure that everyone has access to reliable, sustainable and modern energy at an affordable cost and to take action to address climate change and its consequences. The fund has sustainable investment as its objective and falls within Article 9 SFDR.

When the fund was launched in November 2019, Swedbank Försäkring acted as an anchor investor.

The Fund is an index-linked equity fund that provides exposure to companies in a variety of sectors across emerging markets globally and is managed using a quantitative approach. The fund chooses companies with relevant sustainability work, considering the risks in their sector. The fund rewards companies with low climate risk, such as companies with low carbon intensity. The fund also rewards companies with climate-promoting activities, for example in energy efficiency.

When the fund was launched in October 2020, Swedbank Försäkring acted as an anchor investor.

The fund is a special fund that invests mainly in covered bonds and bonds issued by governments, municipalities and supranational organisations. Sustainability and climate work is an integral part of the investment strategy, to manage sustainability and climate risks and to promote environmental and social characteristics. The sustainable investments in the fund aim to contribute to the achievement of the UN’s Sustainable Development Goals. The Fund aims to have at least 50% of the Fund’s assets in investments aligned with environmental or social characteristics, of which at least 5% qualify as sustainable investments. The Fund is an Article 8 fund under the SFDR.

All unit-linked insurance policies offered by Swedbank Försäkring promote environmental or social characteristics and fall within Article 8 SFDR. A unit-linked insurance policy is an insurance policy where paid-in capital is invested in investment funds. As our unit-linked insurance policies have underlying funds as investment options, we work to set sustainability requirements for fund management companies and fund managers and to offer our customers a wide range of funds with sustainability-related characteristics or objectives so that customers can make investment choices reflecting their sustainability preferences.

Swedbank Försäkring’s unit-linked insurance products promote environmental or social characteristics, but do not have as their objective sustainable investment. However, within our unit-linked insurance policies, customers can choose funds that make sustainable investments.

In our unit-linked insurance policies, at least 80 per cent of the eligible funds promote environmental or social characteristics (Article 8 SFDR) or have sustainable investment as their objective (Article 9 SFDR). All initial investment solutions we offer consist of funds in these categories.

As an insurance company, we set sustainability requirements for fund managers through our due diligence process. Once a fund has been approved in the due diligence process, we will regularly check the fund and the fund management company to ensure that the established requirements are met.

Swedbank Försäkring believes that fund management companies should have a climate strategy with clear goals to help reduce climate-related risks and/or enable the transition to low-fossil solutions. Fund managers should also refrain from investing in companies that systematically violate international norms and sustainability conventions.

Swedbank Försäkring works to ensure that funds/fund management companies within unit-linked insurance undertake the following:

PRI: Fund management companies must have signed PRI (Principles for Responsible Investment). In line with PRI, the fund manager will work to integrate sustainability (ESG) issues into investment and decision-making processes.

Swedbank Försäkring regularly reviews and checks that fund managers and fund management companies comply with our requirements. If a fund/fund management company does not comply with Swedbank Försäkring’s sustainability requirements, the fund/fund management company may still be approved. However, Swedbank Försäkring will monitor how the fund/fund management company handles the requirement and if no changes occur and there is no intention to implement a change, the fund will be removed/replaced within two years.

Swedbank Försäkring reports regularly to internal and external stakeholders on sustainability-related issues.

For information on the methodologies used by a specific fund to measure how its environmental or social characteristics are met or its sustainable investment objective is attained, the data sources used and any limitations to the methodologies or data, see the information under the respective fund’s link at swedbank.se/fondlista. If an index has been designated as a reference benchmark for a fund, that information is also available under the respective fund’s link.

This information was published on 09/10/2026 and applies to all unit-linked insurance policies offered by Swedbank Försäkring for new business.

This financial product promotes environmental or social characteristics, but does not have as its objective sustainable investment.

In our unit-linked insurance policies, we do not commit to a minimum proportion of sustainable investments. However, customers can choose underlying funds that make sustainable investments. For more information on how a specific fund’s sustainable investments do not significantly harm any of the sustainable investment objectives, see the information under the respective fund’s link at swedbank.se/fondlista.

All of our unit-linked insurance products promote environmental or social characteristics. At least 80 per cent of the eligible funds promote environmental or social characteristics (Article 8 SFDR) or have sustainable investment as their objective (Article 9 SFDR).

It is through active fund selection that our customers can influence how their pension capital is invested for a sustainable future. The range of Article 8 and Article 9 funds may change over time, but current information can be found in the fund list at swedbank.se/fondlista. There is also a description of the environmental or social characteristics promoted by the funds or their sustainable investment objectives in the respective fund’s information brochure.

As an insurance company, we can have a positive impact by setting sustainability requirements for fund management companies and fund managers and by creating the conditions for our customers to make sustainable choices.

We believe that fund management companies should have a climate strategy with clear goals to help reduce climate-related risks and/or enable the transition to low-fossil solutions. Fund managers should also refrain from investing in companies that systematically violate international norms and sustainability conventions.

Once a fund has been approved in the due diligence process, the fund and the fund management company must be checked regularly to ensure that the established requirements are met.

If a fund/fund management company does not meet Swedbank Försäkring’s sustainability requirements, the fund/fund management company may still be approved and dialogue is initiated to ensure that the company meets the sustainability requirements. If there are no changes and there is no intention to implement a change, the fund should be removed/replaced within two years.

Swedbank Försäkring works to ensure that funds/fund management companies within unit-linked insurance follow good governance practices. Therefore, funds/fund management companies must commit to the following:

PRI: Fund management companies must have signed PRI (Principles for Responsible Investment). In line with PRI, the fund manager will work to integrate environmental, social and governance (ESG) issues into investment and decision-making processes.

Active ownership: Fund managers should act as active owners. Within the equity asset class, this can primarily be done by exercising active ownership both before and during annual general meetings via ongoing dialogues with the company’s Board of Directors and management and cooperation with other shareholders. In the ownership process, engagement and dialogue should take place with companies where a lack of sustainability and/or corporate governance has been identified.

For a description of each fund’s investment strategy and its policy to assess the good governance practices of investee companies, see the information under the respective fund’s link at swedbank.se/fondlista.

For information about a specific fund, see the information under the respective fund’s link at swedbank.se/fondlista.

In our unit-linked insurance policies, customers invest in underlying funds. We work continuously to set sustainability requirements for fund management companies and fund managers and to offer our customers a wide range of funds with sustainability-related characteristics or objectives so that customers can make investment choices reflecting their sustainability preferences. We have an ongoing and transparent dialogue with our stakeholders to ensure they understand our ambitions. We regularly review and check that fund managers and fund management companies comply with our requirements.

For a description of the environmental or social characteristics promoted by each fund, or its sustainable investment objective, and how these are monitored, see the information under the respective fund’s link at swedbank.se/fondlista.

For information on the methodologies used by a specific fund to measure how its environmental or social characteristics are met or its sustainable investment objective is attained, see the information under the respective fund’s link at swedbank.se/fondlista. The fund’s annual reports are also available there, no later than four months after the end of the financial year.

For information on the data sources used by a specific fund in relation to the environmental or social characteristics it promotes or its sustainable investment objective, the measures taken to ensure data quality, how data are processed and the proportion of data that are estimated, see the information under the respective fund’s link at swedbank.se/fondlista.

For information on any limitations to a specific fund’s methodologies or data sources and how those limitations affect or do not affect how its environmental or social characteristics are met or its sustainable investment objective is attained, see the information under the respective fund’s link at swedbank.se/fondlista.

As an insurance company, we set sustainability requirements for fund managers through our due diligence process. Once a fund has been approved in the due diligence process, we will regularly check the fund and the fund management company to ensure that the established requirements are met.

Analysis of the underlying funds’ sustainability work in our products is carried out by Swedbank Försäkring’s fund analysts and sustainability team together with Swedbank’s fund analysis team. A number of data points are collected annually in order to be able to analyse the fund management companies and their funds’ sustainability work in order to assess whether the funds meet the sustainability requirements that we set for funds in our fund range.

The analysis scores sustainability parameters in several analysis areas. The level of sustainability in the funds and companies thus affects the score for the different areas analysed (e.g. team, process, philosophy, fund management company, etc.) and becomes part of the overall rating of the analysed fund.

We regularly review and check that fund managers and fund management companies comply with our requirements. If a fund/fund management company does not comply with Swedbank Försäkring’s sustainability requirements, the fund/fund management company may still be approved. However, Swedbank Försäkring will monitor how the fund/fund management company handles the requirement and if no changes occur and there is no intention to implement a change, the fund will be removed/replaced within two years.

Swedbank Försäkring reports regularly to internal and external stakeholders on sustainability-related issues.

For a description of the due diligence carried out on the funds’ underlying assets, see information under the respective fund’s link at swedbank.se/fondlista.

As our unit-linked insurance policies have underlying funds as investment options, our engagement is directed at fund management companies and fund managers, which in turn set sustainability requirements for individual investee companies.

We have an ongoing and transparent dialogue with our stakeholders to ensure that they understand Swedbank Försäkring’s efforts, challenges and ambitions. The dialogues are also important for us to understand our stakeholders’ expectations of us. We advocate active ownership and require fund managers to act as active owners. Within the equity asset class, this can primarily be done by exercising active ownership both before and during annual general meetings via ongoing dialogues with the company’s Board of Directors and management and cooperation with other shareholders. In the ownership process, engagement and dialogue should take place with companies where a lack of sustainability and/or corporate governance has been identified.

For a description of the engagement policies relating to the funds’ underlying assets, see the information under the respective fund’s link at swedbank.se/fondlista.

If an index has been designated as a reference benchmark to meet the environmental or social characteristics promoted by a fund, information is available under the respective fund’s link at swedbank.se/fondlista.

Remuneration components

Swedbank Försäkring’s employees have fixed remuneration, which includes pension benefits and other benefits that together constitute their total remuneration. In addition, there is the possibility of a smaller amount of variable remuneration.

Fixed remuneration

Fixed remuneration constitutes the main remuneration in Swedbank Försäkring. It is based on the nature and responsibility of the employee’s role, individual performance and market conditions. Pension benefits are offered in accordance with collective agreements.

Variable remuneration

Variable remuneration is based on relevant, predetermined and measurable criteria established with the aim of increasing Swedbank Försäkring’s long-term value. Remuneration is primarily based on a common risk-adjusted profit measure in the Swedbank Group. Both current and future risks are taken into account, as are actual costs of capital and liquidity. A multi-year perspective is applied to ensure long-term sustainable profit taking into account underlying business cycles and risks at the time of disbursement.

As Swedbank strives for a values-based corporate culture, the individual performance criteria include a performance part with desired results as well as a behavioural part to ensure that individual behaviours are in line with Swedbank’s values (Open, Simple and Caring).

Risk management and sustainability

Healthy risk-taking is part of our business strategy. Remuneration should counteract excessive risk-taking and encourage employees to deliver sustainable results in line with strategic objectives and to manage risks in a healthy and effective manner.

We integrate ethical, social, environmental and economic considerations into all our business decisions, operations and business development. Within Swedbank Försäkring’s Performance Development process, individual performance criteria are set with the aim of contributing to and supporting Swedbank Försäkring’s overall strategic direction, where sustainability is an important part.

Furthermore, sustainability risks are integrated into our remuneration practices by including qualitative individual performance criteria as the basis for allocating variable remuneration to all employees, such as compliance with our values and the application of deferral periods and variable remuneration disbursement in the form of financial instruments. Non-compliance with external or internal rules and regulations or deficiencies in risk management are such circumstances that are considered inconsistent with Swedbank Försäkring’s values.

Governance

Our remuneration policy sets out the basis and principles for remuneration within Swedbank Försäkring. Swedbank Försäkring’s Board of Directors’ decision to adopt the remuneration policy is preceded by and based on an analysis of the risks associated with our remuneration system and policy. Remuneration to the CEO and other senior executives is paid in accordance with the Board’s decision.