Regulatory Compliance
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Offering ESG Wealth Solutions
We integrate ESG considerations into our research, selection and investment processes as part of managing risks and optimising returns for our wealth customers.
Facilitating sustainable investments
Our Sustainable Investment Framework ensures the integration of ESG considerations into how we select and classify investment products across asset classes, such as bond and equity unit trusts, structured notes and bonds. These considerations include the fund managers' ESG portfolio expertise, incorporation of ESG factors and performance against benchmarks and peers. The products are then categorised based on the materiality of ESG factors within the instruments or portfolios.
What we offer
Ensuring sustainable investing practices is part of our fiduciary duty to our customers. We integrate considerations into our research, selection and investment processes as part of managing risks and optimising returns for the long term. This extends to our investment product offering for our customers so that we can help steer consumer wealth to support sustainable companies.
To this end, product providers must have operationalised policies and processes in place and/or adopt or align to globally-recognised standards such as the UN-supported Principles for Responsible Investment (PRI).
Unit trusts
We offer professionally-managed ESG-focused unit trusts to our customers, enabling them to invest in companies that are committed to achieving financial and ESG performance. When selecting ESG funds, we take into consideration:
- the fund manager’s expertise in managing ESG portfolios;
- the incorporation of ESG factors in the fund’s investment process; and
- the ability of the fund manager to perform well against its benchmark and peers.
Bonds
We offer green bonds selected from the Bloomberg Barclays MSCI Global Green Bond Index. The index ensures proper screening and monitoring of the use of proceeds, as well as adherence to industry-standard Green Bond Principles. Index constituents are rigorously assessed on the ongoing environmental impact of the projects, among other factors, for which the green bond proceeds are used.
We also screen green bonds using our internal risk assessment framework to assess their financial fundamentals, including probability of default, fair value and technical analysis indicators. The additional layer of screening ensures that we only offer our customers the highest-quality green bonds for the best risk-adjusted rewards and stable cash flow outcomes.
Structured product and equities
We offer structured notes linked to the equities of companies with strong ESG ratings, focusing on themes that may impact the global economy and which are often environmental or social in nature. These also include companies that aim to help protect the environment by supporting clean energy and resource conservation projects.
Related
Financing for individuals
We encourage individuals to create positive impact through their everyday choices by offering them a range of sustainable banking products.
Creating sustainable funds
Through UOB Asset Management (UOBAM), we develop, manage and offer ESG-focused unit trusts across Asia.
Investing for impact
Through UOB Venture Management (UOBVM), we drive positive impact through investments in privately-held companies in Southeast Asia and Greater China.
Related
Financing for individuals
We encourage individuals to create positive impact through their everyday choices by offering them a range of sustainable banking products.
Creating sustainable funds
Through UOB Asset Management (UOBAM), we develop, manage and offer ESG-focused unit trusts across Asia.
Investing for impact
Through UOB Venture Management (UOBVM), we drive positive impact through investments in privately-held companies in Southeast Asia and Greater China.
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