BANKINTER ASSET MANAGEMENT

This pension fund does not have a sustainable investment goal. Although it does not have a sustainable investment goal, it promotes environmental or social characteristics and at least 20% of the investments will be sustainable. The pension fund promotes a series of social and environmental characteristics by assessing certain business practices of the corporates in which it invests. These practices relate to carbon emissions, water management, impact on biodiversity and soil, waste management and toxic emissions, employee management, and health and safety measures.

The fund uses an ESG rating from a provider of recognised standing as an indicator for analysing progress related to the promoted environmental and social characteristics. This indicator offers an overall assessment of the environmental and social characteristics described above. Specifically, the ESG rating identifies the most relevant environmental, social and governance variables based on the sector or sub-industry to which the corporate belongs. The assessment of environmental, social and governance practices is carried out according to a seven-level scale and identifies: corporates with high exposure to extra-financial risks without the capacity to manage them, corporates with mixed historical management in relation to their extra-financial risks, and corporates that lead their industry in terms of risk management and sustainability opportunities.

The pension fund takes into account the principal adverse impacts throughout the investment process, with the aim of managing the most significant indicators for the portfolio as a whole. Information on adverse impacts is obtained through the preparation of periodic sustainability reports for the portfolio. This report is proposed in EU Regulation 2019/2088 for products classified as Art. 8.

Investments that promote sustainable characteristics will make up at least 80% of the assets in the pension fund portfolio. These investments will in turn represent at least 20% of the assets in sustainable investments with a social and/or environmental goal in accordance with the definition of the applicable Regulation (EU) 2019/88, together with the parameters indicated previously in this document. However, the investments with an environmental goal do not conform to the EU taxonomy.

MIXED FIXED INCOME fund that invests at least 15% of its assets and up to a maximum of 25% of its assets in global equity, with this exposure occasionally reaching 30%.

See the pre-contractual information for this pension plan.

This pension fund does not have a sustainable investment goal. Although it does not have a sustainable investment goal, it promotes environmental or social characteristics and at least 20% of the investments will be sustainable. The pension fund promotes a series of social and environmental characteristics by assessing certain business practices of the corporates in which it invests. These practices relate to carbon emissions, water management, impact on biodiversity and soil, waste management and toxic emissions, employee management, and health and safety measures.

The fund uses an ESG rating from a provider of recognised standing as an indicator for analysing progress related to the promoted environmental and social characteristics. This indicator offers an overall assessment of the environmental and social characteristics described above. Specifically, the ESG rating identifies the most relevant environmental, social and governance variables based on the sector or sub-industry to which the corporate belongs. The assessment of environmental, social and governance practices is carried out according to a seven-level scale and identifies: corporates with high exposure to extra-financial risks without the capacity to manage them, corporates with mixed historical management in relation to their extra-financial risks, and corporates that lead their industry in terms of risk management and sustainability opportunities.

The pension fund takes into account the principal adverse impacts throughout the investment process, with the aim of managing the most significant indicators for the portfolio as a whole. Information on adverse impacts is obtained through the preparation of periodic sustainability reports for the portfolio. This report is proposed in EU Regulation 2019/2088 for products classified as Art. 8.

Investments that promote sustainable characteristics will make up at least 80% of the assets in the pension fund portfolio. These investments will in turn represent at least 20% of the assets in sustainable investments with a social and/or environmental goal in accordance with the definition of the applicable Regulation (EU) 2019/88, together with the parameters indicated previously in this document. However, the investments with an environmental goal do not conform to the EU taxonomy.

MIXED EQUITY fund that invests in global equity as follows: at least 25% of its assets and up to a maximum of 50% of its assets, with this exposure occasionally reaching 60%.

See the pre-contractual information for this pension plan.

This pension fund does not have a sustainable investment goal. Although it does not have a sustainable investment goal, it promotes environmental or social characteristics and at least 20% of the investments will be sustainable. The pension fund promotes a series of social and environmental characteristics by assessing certain business practices of the corporates in which it invests. These practices relate to carbon emissions, water management, impact on biodiversity and soil, waste management and toxic emissions, employee management, and health and safety measures.

The fund uses an ESG rating from a provider of recognised standing as an indicator for analysing progress related to the promoted environmental and social characteristics. This indicator offers an overall assessment of the environmental and social characteristics described above. Specifically, the ESG rating identifies the most relevant environmental, social and governance variables based on the sector or sub-industry to which the corporate belongs. The assessment of environmental, social and governance practices is carried out according to a seven-level scale and identifies: corporates with high exposure to extra-financial risks without the capacity to manage them, corporates with mixed historical management in relation to their extra-financial risks, and corporates that lead their industry in terms of risk management and sustainability opportunities.

The pension fund takes into account the principal adverse impacts throughout the investment process, with the aim of managing the most significant indicators for the portfolio as a whole. Information on adverse impacts is obtained through the preparation of periodic sustainability reports for the portfolio. This report is proposed in EU Regulation 2019/2088 for products classified as Art. 8.

Investments that promote sustainable characteristics will make up at least 80% of the assets in the pension fund portfolio. These investments will in turn represent at least 20% of the assets in sustainable investments with a social and/or environmental goal in accordance with the definition of the applicable Regulation (EU) 2019/88, together with the parameters indicated previously in this document. However, the investments with an environmental goal do not conform to the EU taxonomy.

EQUITY fund that invests more than 75% of its assets in global equity.

See the pre-contractual information for this pension plan.

This pension fund does not have a sustainable investment goal. Although it does not have a sustainable investment goal, it promotes environmental or social characteristics and at least 20% of the investments will be sustainable. The pension fund promotes a series of social and environmental characteristics by assessing certain business practices of the corporates in which it invests. These practices relate to carbon emissions, water management, impact on biodiversity and soil, waste management and toxic emissions, employee management, and health and safety measures.

The fund uses an ESG rating from a provider of recognised standing as an indicator for analysing progress related to the promoted environmental and social characteristics. This indicator offers an overall assessment of the environmental and social characteristics described above. Specifically, the ESG rating identifies the most relevant environmental, social and governance variables based on the sector or sub-industry to which the corporate belongs. The assessment of environmental, social and governance practices is carried out according to a seven-level scale and identifies: corporates with high exposure to extra-financial risks without the capacity to manage them, corporates with mixed historical management in relation to their extra-financial risks, and corporates that lead their industry in terms of risk management and sustainability opportunities.

The pension fund takes into account the principal adverse impacts throughout the investment process, with the aim of managing the most significant indicators for the portfolio as a whole. Information on adverse impacts is obtained through the preparation of periodic sustainability reports for the portfolio. This report is proposed in EU Regulation 2019/2088 for products classified as Art. 8.

Investments that promote sustainable characteristics will make up at least 80% of the assets in the pension fund portfolio. These investments will in turn represent at least 20% of the assets in sustainable investments with a social and/or environmental goal in accordance with the definition of the applicable Regulation (EU) 2019/88, together with the parameters indicated previously in this document. However, the investments with an environmental goal do not conform to the EU taxonomy.

MIXED EQUITY fund that invests in global equity as follows: at least 50% of its assets and up to a maximum of 75% of its assets.

See the pre-contractual information for this pension plan.

This pension fund does not have a sustainable investment goal. Although it does not have a sustainable investment goal, it promotes environmental or social characteristics and at least 20% of the investments will be sustainable. The pension fund promotes a series of social and environmental characteristics by assessing certain business practices of the corporates in which it invests. These practices relate to carbon emissions, water management, impact on biodiversity and soil, waste management and toxic emissions, employee management, and health and safety measures.

The fund uses an ESG rating from a provider of recognised standing as an indicator for analysing progress related to the promoted environmental and social characteristics. This indicator offers an overall assessment of the environmental and social characteristics described above. Specifically, the ESG rating identifies the most relevant environmental, social and governance variables based on the sector or sub-industry to which the corporate belongs. The assessment of environmental, social and governance practices is carried out according to a seven-level scale and identifies: corporates with high exposure to extra-financial risks without the capacity to manage them, corporates with mixed historical management in relation to their extra-financial risks, and corporates that lead their industry in terms of risk management and sustainability opportunities.

The pension fund takes into account the principal adverse impacts throughout the investment process, with the aim of managing the most significant indicators for the portfolio as a whole. Information on adverse impacts is obtained through the preparation of periodic sustainability reports for the portfolio. This report is proposed in EU Regulation 2019/2088 for products classified as Art. 8.

Investments that promote sustainable characteristics will make up at least 80% of the assets in the pension fund portfolio. These investments will in turn represent at least 20% of the assets in sustainable investments with a social and/or environmental goal in accordance with the definition of the applicable Regulation (EU) 2019/88, together with the parameters indicated previously in this document. However, the investments with an environmental goal do not conform to the EU taxonomy.

MIXED FIXED INCOME fund that invests in global equity as follows: at least 5% of its assets and up to a maximum of 10% of its assets.

See the pre-contractual information for this pension plan.

This pension fund does not have a sustainable investment goal. Although it does not have a sustainable investment goal, it promotes environmental or social characteristics and at least 20% of the investments will be sustainable. The pension fund promotes a series of social and environmental characteristics by assessing certain business practices of the corporates in which it invests. These practices relate to carbon emissions, water management, impact on biodiversity and soil, waste management and toxic emissions, employee management, and health and safety measures.

The fund uses an ESG rating from a provider of recognised standing as an indicator for analysing progress related to the promoted environmental and social characteristics. This indicator offers an overall assessment of the environmental and social characteristics described above. Specifically, the ESG rating identifies the most relevant environmental, social and governance variables based on the sector or sub-industry to which the corporate belongs. The assessment of environmental, social and governance practices is carried out according to a seven-level scale and identifies: corporates with high exposure to extra-financial risks without the capacity to manage them, corporates with mixed historical management in relation to their extra-financial risks, and corporates that lead their industry in terms of risk management and sustainability opportunities.

The pension fund takes into account the principal adverse impacts throughout the investment process, with the aim of managing the most significant indicators for the portfolio as a whole. Information on adverse impacts is obtained through the preparation of periodic sustainability reports for the portfolio. This report is proposed in EU Regulation 2019/2088 for products classified as Art. 8.

Investments that promote sustainable characteristics will make up at least 80% of the assets in the pension fund portfolio. These investments will in turn represent at least 20% of the assets in sustainable investments with a social and/or environmental goal in accordance with the definition of the applicable Regulation (EU) 2019/88, together with the parameters indicated previously in this document. However, the investments with an environmental goal do not conform to the EU taxonomy.

EQUITY fund that invests at least 75% of its assets in global equity.

See the pre-contractual information for this pension plan.

This pension fund does not have a sustainable investment goal. Although it does not have a sustainable investment goal, it promotes environmental or social characteristics and at least 20% of the investments will be sustainable. The pension fund promotes a series of social and environmental characteristics by assessing certain business practices of the corporates in which it invests. These practices relate to carbon emissions, water management, impact on biodiversity and soil, waste management and toxic emissions, employee management, and health and safety measures.

The fund uses an ESG rating from a provider of recognised standing as an indicator for analysing progress related to the promoted environmental and social characteristics. This indicator offers an overall assessment of the environmental and social characteristics described above. Specifically, the ESG rating identifies the most relevant environmental, social and governance variables based on the sector or sub-industry to which the corporate belongs. The assessment of environmental, social and governance practices is carried out according to a seven-level scale and identifies: corporates with high exposure to extra-financial risks without the capacity to manage them, corporates with mixed historical management in relation to their extra-financial risks, and corporates that lead their industry in terms of risk management and sustainability opportunities.

The pension fund takes into account the principal adverse impacts throughout the investment process, with the aim of managing the most significant indicators for the portfolio as a whole. Information on adverse impacts is obtained through the preparation of periodic sustainability reports for the portfolio. This report is proposed in EU Regulation 2019/2088 for products classified as Art. 8.

Investments that promote sustainable characteristics will make up at least 80% of the assets in the pension fund portfolio. These investments will in turn represent at least 20% of the assets in sustainable investments with a social and/or environmental goal in accordance with the definition of the applicable Regulation (EU) 2019/88, together with the parameters indicated previously in this document. However, the investments with an environmental goal do not conform to the EU taxonomy.

MIXED EQUITY plan that invests between 25% and 50% of its assets in global equity, with this exposure occasionally reaching 60%.

See the pre-contractual information for this pension plan.

• Merger information:
  Absorbed investment fund: Bankinter Renta Fija Coral Garantizado, FI
  Absorbing investment fund: Bankinter Premium Renta Fija, FI, clase R
  Material fact PDF
  Merger details PDF

• Merger information:
  Absorbed investment fund: Bankinter Ibex 2023 Garantizado, FI
  Absorbing investment fund: Bankinter Mixto Renta Fija, FI, clase R
  Material fact PDF
  Merger details PDF

• Merger information:
  Absorbed investment fund: Bankinter Mercado Español II, FI
  Absorbing investment fund: Bankinter Objetivo Europa 2027, FI
  Material fact PDF
  Merger details PDF

This is the policy of Bankinter Gestión de Activos, SGIIC regarding the exercising of voting rights vested in the portfolio of the investment funds managed.

• When deemed apt in the interest of the unit holders, Bankinter Gestión de Activos, SGIIC will ask the directors of the companies to submit information or clarifications it deems appropriate regarding the points included in the agenda of the Meetings, within the periods set forth for this purpose by the current Public Limited Companies Act.
• In the cases in which Bankinter Gestión de Activos, SGIIC attends the General Meetings, it may also exercise its right to information if appropriate, during the Meetings, in the form legally determined.

In accordance with the provisions of Regulation (EU) 2016/1011 of the European Parliament and of the Council, of June 8, 2016, on indices used as benchmarks in financial instruments and financial contracts or to measure the performance of investment funds, detailed information is attached about the contingency plan which Bankinter Gestión de Activos, SGIIC, S.A. has implemented to address changes or the cessation of a particular benchmark index.

PDF (266KB) See contingency plan for changes or cessation of a benchmark index

As provided for under article and 23.1 bis 1.d) of the Regulations for Collective Investment Undertakings (CIUs), approved by Royal Decree 1082/2012, of 13 July, the detailed information attached concerns the remuneration policy of Bankinter Gestión de Activos, SGIIC, S.A.

PDF (54KB)See remuneration policy of the fund manager

As provided for under article 23.1 t) and 23 bis 1.d) of the Regulations for Collective Investment Undertakings (CIUs), approved by Royal Decree 1082/2012, of 13 July, the information attached is about Bankinter, S.A. as depositary of the CIUs managed by Bankinter Gestión de Activos, SGIIC, S.A.

• Bankinter, S.A. is a credit institution whose corporate purpose is the development of banking activity. It is supervised by the Bank of Spain under code 0128 and registered in the administrative register of the National Securities Market Commission under number 27.
• Bankinter, S.A. with Tax Identification Number A-28/157360, has its registered office at Paseo de la Castellana, nº 29, 28046, Madrid, and is duly registered in the Companies’ Registry of Madrid, Volume 1857, Folio 220, Page number 9643.
• As the depositary entity of all collective investment undertakings (hereinafter, “CIU”) managed by Bankinter Gestión de Activos, SGIIC, SA (hereinafter, the “Fund Manager”), Bankinter, S.A. carries out the following functions:
• Deposit and asset management function, ensuring total separation between the proprietary trading account and that of the CIUs under custody, ensuring that all assets owned by a CIU are correctly recorded in accounts opened in the CIU's name.
• Cash control function,ensuring that the cash flows of the managed CIUs are properly controlled, that all payments made by or on behalf of investors are processed correctly and that all the cash of the CIU is deposited in treasury accounts opened in the name of the CIU.
• Settlement of subscription and redemption of units:Bankinter, S.A. must ensure that all income or payments arising from subscriptions or redemptions are actually effected, credited or debited to the CIU's accounts and that subscriptions and redemptions are carried out pursuant to the procedures laid down in the regulations in force and in the CIU prospectus
• Surveillance and supervision function:Bankinter, S.A. is entrusted with the task of overseeing the Fund Manager, ensuring that the operations and payments of the CIUs entrusted to its custody are carried out correctly, as well as supervising the Manager's compliance with the applicable regulations.
• Under prevailing regulations, the depositary’s may be held liable by the unit holders either directly or through the Manager. Bankinter, S.A. shall be liable for the loss of the instruments it holds, unless it can prove that the loss occurred as a result of an external event beyond its reasonable control, which would have had unavoidable consequences.
• To carry out the investment in foreign securities Bankinter, S.A. delegates custody to the following entities:
  • Equities: Citibank
  • Fixed income: Euroclear
• Allfunds Bank SA acts as an intermediary and depositary in the trading of shares and participations of foreign CIUs in which the managed CIUs invest.
• The delegation made to these entities does not give rise to conflicts of interest.

Yes, whenever you want. You can contribute cash, investment funds or pension plans.

Through the website you can:

• View and accept recommendations.
• Consult your monthly investment report.
• Carry out partial redemptions.

Yes, there is no problem—you can make partial redemptions whenever you want, and make use of your money. Customised Investment will check that these transactions do not significantly vary the risk of your investment, and if so, we will advise you to adjust the risk you have declared to us for this investment.

Yes, but in these cases you'll have to go to your branch.