SEB Sustainability SEB aims to be an indisputable

SEB Sustainability

SEB aims to be an indisputable leader in sustainable finance

We aim to be in the forefront of transforming capital into sustainable capital. We support our corporate customers in the transition towards more sustainable business models by offering advisory and innovative sustainable products and services.

Changes in demand Sustainability as a changing force in society New legislation Investor and employee perspective Technological advancement

Sustainability advisory & innovation Financing and Investment advisory We advise on how to raise capital to sustainable investments. We advise on how to invest capital in a sustainable way. Innovation We develop and invest in sustainable innovations. Two examples: Impact Metric Tool, developed to measure and structure sustainable portfolios. SEB Greentech – investment of venture capital in green technology. Investor’s perspective Energy sector advisory We evaluate how investors rate a company from a sustainability perspective and advise on actions. We have a specific advisory team supporting transition in the challenging energy sector. Sustainability. business program Customer sustainability classification We offer sustainability advisory in workshop form. We provide competence and tools on how to operate a business sustainably In-depth analysis of sector-specific environmental impact with the purpose to support the transition towards more sustainable business models.

Impact in two dimensions Companies impact the environment and society e. g. via Co 2 emissions and other pollution, working conditions, energy consumption, deforestation. The environment and society impact companies e. g. change in climate If we as a bank can help conditions, disrupted companies to decrease their technology, changed demand, new legislation. negative impact and increase the positive – the planet and society will provide more stable and predictable conditions for our common future.

Customer sustainability classification In-depth analysis of sectorspecific environmental impact The classification uses the Paris agreement goals and EU Taxonomy as references to define sector relevant metrics and support the transition trajectory assessment of our customers. Owners & Investors — The classification together with legislation will contribute to a re-orientation of capital flows and increased transparency to owners and investors. Customers — In SEB, we drive this initiative to better understand our customers’ sustainability impact and ambitions and to support them towards a low-carbon economy. Bank — The classification initiative also ensures a more complete view of the total climate risk of SEB’s credit portfolio which enables us to develop our goals and measure progress on a bank level.

Financing solutions Sustainable bonds Sustainable loans Sustainable commercial papers Green mortgages Green leasing

White Peak Green Bond |– 9

Investment solutions Investment process Impact investments Inclusion, Exclusion, Engagement Funds, Securities, Mandates Sustainable saving and pension products

Impact investments – Microfinance funds Impact investment product that offers loans to people with lower income in developing countries. Chinamati Behera is a 35 year old widow living with her parents-in-law and son in Odisha in India. A loan made it possible for her to become a goat raiser. As the only earning person in her family, access to this financing makes it possible for her to afford to send her son to school.

Internally in SEB Business ethics Inclusion and diversity Innovation Competence Sustainability integrated in business goals CO 2 reduction Supplier evaluation

Community engagement – focusing on sustainable entrepreneurship Entrepreneurial competence & innovation SEB Entrepreneur Camp Diversity, inclusion and equality Climate impact

SEB’s sustainability milestones SEB launches its first Microfinance fund. SEB named as one of the world's 100 most sustainable companies by Corporate Knights. SEB assisted issuing the first green bond by a municipality. Start of co-operation with Mentor. 1997 SEB signs the Equator Principles 2007 1995 And the first corporate green bond. 2013 2008 First Environmental Manager appointed at SEB. Employee engagement through training. 2004 SEB signed the UN Global Compact. SEB starts working towards the SEB launches green mortgages for retail UN Sustainable Development clients. Goals. SEB signs PRI, Principles for Responsible Investment, supported by the UN. 2020 2018 2015 2014 The Green Bond Principles (GBP) are launched by SEB together with 12 other banks. SEB forms the Greentech Venture Capital for investments in green technology. SEB is sole structure advisor to the Swedish government in the inaugural Swedish sovereign green bond. 2019 2017 SEB signs the UN Principles for Responsible Banking. The World Bank together with SEB issues the first World Bank Green Bond. SEB issues its first own green bond. In collaboration with the UN, SEB launches a public e-learning platform for sustainable finance.