BANKINTER ASSET MANAGEMENT

Sustainable Pension Plans

Bk Premium Conservador

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 corporate's sector or sub-industry. The environmental, social and governance practices are assessed according to a scale with seven levels to identify: 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 regular 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. Moreover, these investments will 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.  

Bk Premium Moderado

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 corporate's sector or sub-industry. he environmental, social and governance practices are assessed according to a scale with seven levels to identify: 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 regular 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. Moreover, these investments will 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.  

Bk Premium Agresivo

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 corporate's sector or sub-industry. he environmental, social and governance practices are assessed according to a scale with seven levels to identify: 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 regular 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. Moreover, these investments will 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.  

Bk Premium Dinámico

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 corporate's sector or sub-industry. he environmental, social and governance practices are assessed according to a scale with seven levels to identify: 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 regular 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. Moreover, these investments will 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.  

Bk Premium Defensivo

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 corporate's sector or sub-industry. he environmental, social and governance practices are assessed according to a scale with seven levels to identify: 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 regular 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. Moreover, these investments will 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.  

Bk Variable Internacional

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 corporate's sector or sub-industry. he environmental, social and governance practices are assessed according to a scale with seven levels to identify: 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 regular 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. Moreover, these investments will 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.  

Sustainable EPSV

BK PREMIUM MODERADO PPSI

This retirement plan does not have a sustainable investment objective. 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 plan promotes a series of social and environmental characteristics by assessing the business practices of the companies in which it invests in relation to: carbon emissions, water management, impact on biodiversity and soil, waste management and toxic emissions, employee management, and health and safety measures.

The plan uses an ESG rating from a recognised provider as an indicator to analyse the achievement of 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 corporate's sector or sub-industry. The assessment of environmental, social and governance practices is carried out according to a scale of seven levels that identifies the following: 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 retirement plan 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 regular 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 be used predominantly in the pension plan portfolio, with a minimum proportion of 80% of the assets. Moreover, these investments will 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%.

BK PREMIUM DINAMICO PPSI

This retirement plan does not have a sustainable investment objective. 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 plan promotes a series of social and environmental characteristics by assessing the business practices of the companies in which it invests in relation to: carbon emissions, water management, impact on biodiversity and soil, waste management and toxic emissions, employee management, and health and safety measures.

The plan uses an ESG rating from a recognised provider as an indicator to analyse the achievement of 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 corporate's sector or sub-industry. The environmental, social and governance practices are assessed according to a scale with seven levels to identify: 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 retirement plan 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 regular 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 be used predominantly in the pension plan portfolio, with a minimum proportion of 80% of the assets. Moreover, these investments will 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. It invests at least 50% of its assets in global equity, up to a maximum of 75%. The rest of the portfolio is invested in global fixed income assets, treasury, deposits or derivatives.

BK PREMIUM CONSERVADOR PPSI

This retirement plan does not have a sustainable investment objective. 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 plan promotes a series of social and environmental characteristics by evaluating the business practices of the companies in which it invests in relation to: carbon emissions, water management, impact on biodiversity and soil, waste management and toxic emissions, employee management, and health and safety measures.

The plan uses an ESG rating from a recognised provider as an indicator to analyse the achievement of 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 corporate's sector or sub-industry. The environmental, social and governance practices are assessed according to a scale with seven levels to identify: 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 retirement plan 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 regular 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 be used predominantly in the pension plan portfolio, with a minimum proportion of 80% of the assets. Moreover, these investments will 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 Plan. It invests at least 15% of its assets, and up to a maximum of 25%, in global equity. This exposure may occasionally reach30%. The rest of the portfolio is invested in global fixed income assets, treasury, deposits or derivatives.